PH12015500498B1 - System for unsecured funding to credit card member store via purchase of undetermined future credit obligation - Google Patents

System for unsecured funding to credit card member store via purchase of undetermined future credit obligation

Info

Publication number
PH12015500498B1
PH12015500498B1 PH12015500498A PH12015500498A PH12015500498B1 PH 12015500498 B1 PH12015500498 B1 PH 12015500498B1 PH 12015500498 A PH12015500498 A PH 12015500498A PH 12015500498 A PH12015500498 A PH 12015500498A PH 12015500498 B1 PH12015500498 B1 PH 12015500498B1
Authority
PH
Philippines
Prior art keywords
credit
purchased
obligation
merchant
card
Prior art date
Application number
PH12015500498A
Other versions
PH12015500498A1 (en
Inventor
Gabriel Scion
Original Assignee
Gabriel Scion
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Gabriel Scion filed Critical Gabriel Scion
Publication of PH12015500498B1 publication Critical patent/PH12015500498B1/en
Publication of PH12015500498A1 publication Critical patent/PH12015500498A1/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

This invention provides a system for providing unsecured funding to a merchant so that yet-to-be-determined future credit receivables based on the sales results for a specified period are converted to a purchased obligation without being affected by fluctuations in the merchant's sales. The system (1) uses credit-card-settlement transaction-based sales data from the merchant's credit-card-settlement transactions to calculate credit-card-settlement-transaction sales results for a specified period, (2)specifies the desired period during which the merchant's credit card receivables expected to be generated by the merchant in the future are converted to a purchased obligation, (3) multiplies the credit-card-settlement-transactions sales results for the previous year's period, if any, corresponding to the desired period of conversion by a purchased-obligation-conversion percentage so as to set the face value of the purchased purchased obligation, (4) sets the current month's redemption value for each credit card company whose credit card the merchant accepts, (5) instructs the credit card company's information-processing server to end the redemption of the purchased purchased obligation when the cumulative redemption value equals the amount of said face value, and (6) instructs the credit card company's information-processing server to extend the redemption period if the cumulative redemption value does not equal the amount of said face value even after the specified period of conversion has elapsed.
PH12015500498A 2012-08-10 2015-03-06 System for unsecured funding to credit card member store via purchase of undetermined future credit obligation PH12015500498A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
JP2012178072 2012-08-10
PCT/JP2013/060875 WO2014024520A1 (en) 2012-08-10 2013-04-10 System for unsecured funding to credit card member store via purchase of undetermined future credit obligation

Publications (2)

Publication Number Publication Date
PH12015500498B1 true PH12015500498B1 (en) 2015-04-27
PH12015500498A1 PH12015500498A1 (en) 2015-04-27

Family

ID=50067767

Family Applications (1)

Application Number Title Priority Date Filing Date
PH12015500498A PH12015500498A1 (en) 2012-08-10 2015-03-06 System for unsecured funding to credit card member store via purchase of undetermined future credit obligation

Country Status (5)

Country Link
JP (1) JP5785272B2 (en)
KR (1) KR102129495B1 (en)
CN (1) CN104718554A (en)
PH (1) PH12015500498A1 (en)
WO (1) WO2014024520A1 (en)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP5785343B1 (en) * 2015-03-06 2015-09-30 ガブリエル サイオンＧａｂｒｉｅｌ Ｓｃｉｏｎ Unsecured funding system to support stores that purchase unconfirmed future sales receivables, cash register with sales confirmation function and ticket vending machine used therefor
JP6362740B1 (en) * 2017-07-12 2018-07-25 株式会社Ｗａｒｒａｎｔｅｅ Settlement management server, program, and settlement method
JP6413110B1 (en) * 2018-02-08 2018-10-31 ガブリエル サイオンＧａｂｒｉｅｌ Ｓｃｉｏｎ Unsecured funding system
JP6650990B1 (en) * 2018-11-29 2020-02-19 Ｂａｓｅ株式会社 Computer system, method, and program for funding a store in e-commerce
JP7349703B2 (en) 2019-06-18 2023-09-25 ガブリエル サイオン Unsecured funding system
JP6836255B2 (en) * 2019-10-24 2021-02-24 Ｂａｓｅ株式会社 Computer systems, methods, and programs for funding retailers in e-commerce
JP2021114113A (en) * 2020-01-17 2021-08-05 株式会社メルカリ Information processing method, information processing device, program, and information processing terminal
JP7133698B1 (en) 2021-11-19 2022-09-08 ヤフー株式会社 Information processing device, information processing method, and information processing program

Family Cites Families (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20000054166A (en) * 2000-05-24 2000-09-05 박은일 The factoring service method of credit cards and the factoring service system
KR20020026766A (en) * 2000-10-02 2002-04-12 표민수 a system for deciding the purchase price for a bond and driving method thereof
JP2003006541A (en) 2001-06-25 2003-01-10 It Gem:Kk Credit settlement server and method for enabling credit card member shop to recover account receivable in early stage utilizing factoring
JP2003016363A (en) * 2001-06-29 2003-01-17 It Gem:Kk System and method for shortening payment period of credit dealing having been approved
KR20030069489A (en) 2002-02-20 2003-08-27 (주)드림데이타 An Instant-Loan System for Providing a Loan Secured on an Obligation for a Credit-Sale, and a Method thereof
JP2006011502A (en) * 2004-06-22 2006-01-12 Sogo Hosho Service Kk Member's store account receivable rating system
US20070185793A1 (en) * 2006-02-09 2007-08-09 George Christopher R Method and computer network for coordinating a financial, insurance, investment, business service over the Internet
KR100778944B1 (en) * 2007-04-25 2007-11-22 이은복 System and method for financial transaction
CN101377844A (en) * 2007-08-30 2009-03-04 乔美国际网络股份有限公司 System and method for discharge of debt
KR100851945B1 (en) * 2007-11-23 2008-08-12 에이엠씨인베스트(주) Electronic financial system for collecting loans using trade receivables and administration method thereof
KR101089183B1 (en) * 2008-08-22 2011-12-02 최호식 Service Method for Loan using of Trade Receivables Collateral by Online Shopping mall
JP2010055178A (en) * 2008-08-26 2010-03-11 Chuo Joho System:Kk Factoring server device in early reduction system to credit card member store by purchase of credit card credit using factoring
KR20110041929A (en) * 2009-10-16 2011-04-22 (주)현대스위스상호저축은행 Method and apparatus for providing financial loan and collection service
WO2011139834A2 (en) * 2010-04-28 2011-11-10 Om Telligence, Llc System and method for managing mortgage lifecycles
CN102542447A (en) * 2011-12-19 2012-07-04 姜晓越 Electronic debt payment, customer relationship and bond management system based on NFC (Near Field Communication) and recording method

Also Published As

Publication number Publication date
WO2014024520A1 (en) 2014-02-13
KR20150062161A (en) 2015-06-05
KR102129495B1 (en) 2020-07-03
JP5785272B2 (en) 2015-09-24
CN104718554A (en) 2015-06-17
JPWO2014024520A1 (en) 2016-07-25
PH12015500498A1 (en) 2015-04-27

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