GB2568402A - System for providing loan service on basis of sales and advertisement data - Google Patents

System for providing loan service on basis of sales and advertisement data Download PDF

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GB2568402A
GB2568402A GB1820810.8A GB201820810A GB2568402A GB 2568402 A GB2568402 A GB 2568402A GB 201820810 A GB201820810 A GB 201820810A GB 2568402 A GB2568402 A GB 2568402A
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Wook Kim Sung
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    • 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
    • G06Q40/03—Credit; Loans; Processing thereof
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    • 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
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    • G06—COMPUTING; CALCULATING OR COUNTING
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    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0201—Market modelling; Market analysis; Collecting market data
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    • 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
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    • G06Q30/0241—Advertisements
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    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241—Advertisements
    • G06Q30/0273—Determination of fees for advertising
    • 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
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Abstract

The present invention relates to a system for providing a loan service on the basis of sales and advertisement data, the system: performing loan appraisal, loan execution, and loan redemption through a loan system on the basis of advertisement data obtained from a sales/advertisement management system and sales data obtained from a shopping mall system; allowing the loan to be used only for predictable advertising expense execution of a sales conversion rate with respect to an advertising expense execution, thereby allowing future sales to be more accurately predicted and further adjusted, and the load to be available for an expenditure of an additional advertising expense; When advertising a loan product based on sales data, displaying an advertisement on a manager information terminal, without transmitting sensitive sales data of a business operator, thereby allowing a loan advertisement to proceed without a user's prior consent in a sales/advertisement data management server or in a client, and a plurality of customers to be quickly ensured through an alliance with the sales/advertisement data management server.

Description

[DESCRIPTION] [0001] [Invention Title] [0002] LOAN SERVICE PROVIDING SYSTEM BASED ON SALES AND ADVERTISEMENT DATA [0003] [Technical Field] [0004] The present invention relates to a loan service providing system based on sales and advertisement data that may perform a loan examination, a loan execution, and a loan repayment through a loan system based on advertisement data obtained from a sales/advertisement management system and sales data from a shopping mall system; that may accurately predict future sales, adjust the future sales, and execute a loan for additional spending on advertising by making use of the loan only for predictable execution of return on advertisement spending (ROAS); that may display a loan advertisement on a sales/advertisement data management server or a client without user's consent in advance and may quickly secure a large number of customers through cooperation with the sales/advertisement data management server, by displaying an advertisement on a manager information terminal without transmitting sensitive sales data of an business owner when advertising a loan product based on sales data; that may display availability of the loan, an interest rate, and a limit calculated by the sales/advertisement management system on the information terminal of the manager (provisional debtor) without transmitting the sales/advertisement data of the business owner to the loan system; that may request data from a loan company server to a debtor terminal when transmitting the sales/advertisement data to the loan company server of the loan system, and may selectively perform one of a method of directly transmitting the data from the debtor terminal, a method of extracting data using scraping by accessing the sales/advertisement data management server from the loan company server or an agent of the debtor terminal, and a method of extracting data through cooperation, thereby conveniently providing convenience to an applicant of the loan; and that may conveniently select one of payment to the debtor in the advertisement loan product, confirmation to the advertisement company, the direct remittance, and partial payment when the advertisement cost is exhausted.
[0005] [Background Art] [0006] As disclosed in the Korean patent application publication No. 20090115088 (2009.11.4.), according to the development of the financial industry, many modern people use various financial transaction services, and utilize convenient financial services.
[0007] In this situation, most financial institutions providing the financial transaction services are providing mobile financial services using mobile phones.
[0008] However, since the mobile services using the mobile phones are focused on providing a transfer service, an inquiry service, etc. rather than providing a way to withdraw cash when real cash is needed, it is uncomfortable for people who actually need cash quickly.
[0009] On the other hand, in order to receive a loan based on sales/advertisement data, a corresponding data must be generally transmitted to a loan system, but disclosing the data to the outside from a viewpoint of a business owner is a very sensitive issue, and furthermore, it is more burdensome to disclose it without knowing availability of the loan.
[0010] However, there is yet a system may perform loan review, loan execution, and loan repayment through a loan system based on advertisement data obtained from a sales/advertisement management system and the sales data from a shopping mall system.
[0011] In addition, there is not yet a system capable of advertising a loan without a user's consent in advance by a sales/advertisement data management server or a client and capable of rapidly securing a large number of customers through cooperation with the sales/advertisement data management server, by displaying the advertisement on a manager information terminal without transmitting sensitive sales data of an business owner while advertising loan products based on sales data.
[0012] Therefore, it is urgently required to develop a loan service providing system that that may perform a loan examination, a loan execution, and a loan repayment through a loan system based on advertisement data obtained from a sales/advertisement management system and sales data from a shopping mall system; that may accurately predict future sales, adjust the future sales, and execute a loan for additional spending on advertising by making use of the loan only for predictable execution of return on advertisement spending (ROAS); that may display a loan advertisement on a sales/advertisement data management server or a client without user's consent in advance and may quickly secure a large number of customers through cooperation with a sales/advertisement data management server by displaying an advertisement on a manager information terminal without transmitting sales data of an business owner when advertising a loan product based on sales data; that may display the availability of the loan, the interest rate, and the limit calculated by the sales/advertisement management system on the information terminal of the manager (provisional debtor) without transmitting the sales/advertisement data of the business owner to the loan system.
[0013] [DISCLOSURE] [0014] [Technical Problem] [0015] The present invention has been made in an effort to provide a loan service providing system based on sales and advertisement data that may perform a loan examination, a loan execution, and a loan repayment through a loan system based on advertisement data obtained from a sales/advertisement management system and sales data from a shopping mall system [0016] Another object of the present invention is to provide a loan service providing system based on sales and advertising data that may accurately predict future sales, adjust the future sales, and execute a loan for additional spending on advertising by making use of the loan only for predictable execution of return on advertisement spending (ROAS).
[0017] Another object of the present invention is to provide a loan service providing system based on sales and advertising data that may display a loan advertisement on a sales/advertisement data management server or a client without user's consent in advance and may quickly secure a large number of customers through cooperation with the sales/advertisement data management server, by displaying an advertisement on a manager information terminal without transmitting sensitive sales data of an business owner when advertising a loan product based on sales data.
[0018] Another object of the present invention is to provide a loan service providing system based on sales and advertising data that may display availability of the loan, an interest rate, and a limit calculated by the sales/advertisement management system on the information terminal of the manager (provisional debtor) without transmitting the sales/advertisement data of the business owner to the loan system.
[0019] Another object of the present invention is to provide a loan service providing system based on sales and advertising data that may request data from a loan company server to a debtor terminal when transmitting the sales/advertisement data to the loan company server of the loan system, and may selectively perform one of a method of directly transmitting the data from the debtor terminal, a method of extracting data using scraping by accessing the sales/advertisement data management server from the loan company server or an agent of the debtor terminal, and a method of extracting data through cooperation, thereby conveniently providing convenience to an applicant of the loan.
[0020] Another object of the present invention is to provide a loan service providing system based on sales and advertising data that may conveniently select one of payment to the debtor in the advertisement loan product, confirmation to the advertisement company, the direct remittance, and partial payment when the advertisement cost is exhausted.
[0021] [Technical Solution] [0022] An exemplary embodiment of the present invention provides a loan service providing system based on sales and advertisement data, including: a loan system performing: a function of requesting and receiving a past advertisement expense, sales according to advertisement, and an ROAS to and from a sales/advertisement management system for loan examination when a loan application is received from a debtor terminal, a function of requesting and receiving a sales amount for each past period and a percentage of sales to be settled through a payment system of a specific PG company among the corresponding sales to and from a shopping mall system, a function of requesting and receiving past payment information of debtor shopping malls to and from the payment system; a function of confirming, by a shopping mall system or a terminal of the debtor, a contract history of transferring trade receivable to occur during a loan period to the loan company, when a payment system of the PG company that is contracted with a loan company in the debtor shopping mall is used, a function of predicting future sales according to execution of advertising cost by analyzing past advertisement expenditure history, the ROAS, and revenue by period of the shopping mall, a function of predicting probability of withdrawing the loan from a third debtor through transfer of the trade receivable based on the payment history collected from the payment system, a function of calculating a loan limit, an interest rate, and a repayment schedule based on sales/advertising data and similar business sales data, a function of calculating a repayment date of early repayment or normal repayment based on the sales generated in the shopping mall system and the repayment schedule of the loan during the repayment period after the execution of the loan, and of determining a method of reimbursement to be collected from the third debtor who need additional deposits or that are not previously contracted for transfer of the trade receivable when generated revenues cannot be repaid with an amount recovered by using the bond transfer or an account change in advance, a function of requesting transfer of the trade receivable from the debtor shopping mall to the payment system of the PG when the withdrawal is required from the PG company (the third debtor) who has not transferred a bond in advance, and a function of transmitting, by the loan system, completion of loan repayment to the sales/advertisement management system, the payment system, and the shopping mall system connected to the loan system when the loan is completely repaid; a sales/advertisement management system performing: a function of being requested to transmit and then transmitting the history of the past advertisement cost, the sales generation according to the advertisement, and the ROAS from and to the loan system, and a function of receiving the completion of the loan repayment from the loan system when the repayment of the loan is completed; a shopping mall system performing: a function of being requested and then transmitting a history of past sales by period and a usage rate of the specific PG company among the corresponding sales from the loan system, a function of approving, by a shopping mall system or terminal of a debtor (a shopping mall owner), the payment system to check the payment history of the shopping mall from the payment system, a function of transmitting a sales history from the shopping mall system to the loan system when sales are generated in the shopping mall, a function of additionally or separately transmitting the sales generated through the payment system of the PG company (the third debtor) contracted with the loan company to the loan system from the shopping mall system, and a function of receiving the completion of the loan repayment from the loan system when the repayment of the loan is completed; and a payment system performing: a function of being requested to transmit and then transmitting past payment information of the debtor shopping malls from the loan system, a function of concluding, by the debtor shopping mall system or terminal, a receivables transfer contract with the loan company server, which transfers the receivables that occur during a loan period to the loan company, concluding, by the debtor shopping mall system or terminal, a contract to transfer an account from which the debtor shopping mall system or terminal receives the sales from the payment system to an account designated by the loan company or the loan company, and confirming the history of the receivables transfer contract in the loan system and the receivables that will occur during the loan period, when the payment system of the PG company that is contracted with the loan company in the shopping mall is used, and a function of receiving the completion of the loan repayment from the loan system when the repayment of the loan is completed.
[0023] The loan service providing system may perform: a function of transferring the loan from the loan company server to the advertisement company server and of transmitting the transfer result from the loan system to the sales/advertisement management system when the loan is approved in a case that the loan is approved only by the advertisement cost in the loan system and the sales/advertisement management system, a function of allowing the advertisement company server to be transferred the loan from the loan company server and of allowing the sales/advertisement management system to receive the transfer result from the loan system when the loan is approved, or a function of allowing the loan company server to pay an advertisement cost to the advertisement company server or the payment system linked with the advertisement company server and of allowing the advertisement company server to transmit the payment result of the advertisement cost executed by the loan company server to the loan company server.
[0024] The payment of the loan between the loan company server and the advertisement company server may be performed by one of a method of instructing, by the loan company server, the payment in the loan product of the advertisement cost to a bank account of the debtor by using a bank network and of confirming it later from the advertisement company server, and a method of instructing, by the loan company server, the payment to an account of the advertisement company by using the bank network, of confirming, by the advertisement company server, it, and of partially paying when the advertisement cost is exhausted.
[0025] When the loan is made on condition that a part of the loan is used only the advertisement cost by the advertisement company server until the loan system informs the sales/advertisement management system that the loan has been repaid in the loan system, since the loan must be used only the advertisement cost, it may be impossible to send a refund so that the corresponding advertisement cost cannot be refunded arbitrarily to the debtor (shopping mall owner) terminal.
[0026] The data used in the loan examination may include a history of the advertisement cost expenditure, increase of the sales due to the advertisement cost expenditure, a measured ROAS, and a change amount of the sales by period.
[0027] When the loan system transmits loan product data including examination criteria of the loan product to a loan advertisement agent of the sales/advertisement management system through the loan advertisement server, based on the ROAS, which is used as an index for predicting an anticipated sales to be achieved when a certain level of advertisement cost expenditure is used in the future based on the sales/advertisement data, the loan advertisement agent analyzes the ROAS through the past sales and the history of the advertisement cost expenditure, estimates future sales through the analyzed ROAS to calculate loan availability, interest rate, and limit based on the examination criteria of the loan product, and displays loan information on the manager information terminal when it is determined that the loan advertisement is possible.
[0028] When the sales/advertisement data is transmitted from the sales/advertisement data management server or client of the sales/advertisement management system to the loan company server of the loan system, the loan company server makes a request for data to the debtor terminal, and one of a method of directly transmitting data from a debtor terminal, a method of extracting data by the loan company server or the agent of the debtor terminal accessing the sales/advertisement data management server and by using the scrapping, and a method of extracting data through cooperation is selectively performed.
[0029] [Advantageous Effects] [0030] As described above, the loan service providing system based on the sales and advertisement data of the present invention provides the following effects.
[0031] First, the present invention may perform loan examination, loan execution, and loan repayment through the loan system based on the advertisement data obtained from the sales/advertisement management system and the sales data from the shopping mall system.
[0032] Second, the present invention may accurately predict future sales, adjust the future sales, and lend for additional spending of the advertisement cost by allowing the loan to be used only for the execution of predictable advertisement cost expenditure of the ROAS.
[0033] Second, the present invention may advertise a loan without a user's consent in advance by a sales/advertisement data management server or a client and may rapidly secure a large number of customers through cooperation with the sales/advertisement data management server, by displaying the advertisement on a manager information terminal without transmitting sensitive sales data of an business owner while advertising loan products based on sales data.
[0034] Fourth, the present invention may calculate the availability, the interest rate, and the limit of the loan by the sales/advertisement management system and then display them on the information terminal of the manager (provisional debtor) without transmitting the sales/advertisement data ofthe business operator to the loan system.
[0035] Fifth, the present invention may provide convenience to the applicant of the loan because the loan company server makes a request for data to the debtor terminal when the sales/advertisement data is transmitted to the loan company server of the loan system, and one of a method of directly transmitting data from a debtor terminal, a method of extracting data by the loan company server or the agent of the debtor terminal accessing the sales/advertisement data management server and by using the scrapping, and a method of extracting data through cooperation is selectively performed.
[0036] Sixth, the present invention may conveniently select one of payment to the debtor in the advertisement loan product, confirmation to the advertisement company, the direct remittance, and partial payment when the advertisement cost is exhausted.
[0037] [Description of the Drawings] [0038] FIG. 1 is a diagram for explaining a configuration of a loan service providing system based on sales and advertisement data according to an embodiment of the present invention.
[0039] FIG. 2 is a diagram for explaining a process of displaying loan information on a manager information terminal when it is determined that a loan advertisement is possible after calculating loan product data in a loan service providing system based on sales and advertisement data according to an embodiment ofthe present invention. [0040] FIG. 3A to FIG. 3C are diagrams for explaining a process in which, as methods of transferring sales/advertisement data to a loan system, a method of requesting, by a loan company server, data to a debtor terminal when the sales/advertisement data is transmitted to the loan company server of the loan system and of directly transmitting data from a debtor terminal, a method of extracting data by the loan company server or the agent of the debtor terminal accessing the sales/advertisement data management server and by using the scrapping, and a method of extracting data through cooperation are performed in a loan service providing system based on sales and advertisement data according to an embodiment of the present invention.
[0041] FIG. 4A to FIG. 4C are diagrams for explaining a process in which payment to a debtor in a advertisement loan product, confirmation to a advertisement company, a direct remittance, and a partial payment when the advertisement cost is exhausted are performed in a loan service providing system based on sales and advertisement data according to an embodiment of the present invention.
[0042] [Mode for Invention] [0043] Hereinafter, an exemplary embodiment of the present invention will hereinafter be described with reference to the accompanying drawings; while describing the present invention in detail, detailed descriptions of related well-known functions or configurations that may obscure the description of the present invention will be omitted; unless otherwise defined, all terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs; and it will be further understood that terms, such as those defined in commonly used dictionaries, should be interpreted as having a meaning that is consistent with their meaning in the context of the relevant art and the present disclosure, and will not be interpreted in an idealized or overly formal sense unless expressly so defined herein; therefore the concept of the present invention should be construed based on the overall description of this specification explaining a loan service providing system based on sales and advertisement data.
[0044] Hereinafter, a loan service providing system based on sales and advertisement data according to a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.
[0045] FIG. 1 is a diagram for explaining a configuration of a loan service providing system based on sales and advertisement data according to an embodiment of the present invention, FIG. 2 is a diagram for explaining a process of displaying loan information on a manager information terminal when it is determined that a loan advertisement is possible after calculating loan product data in a loan service providing system based on sales and advertisement data according to an embodiment of the present invention, FIG. 3A to FIG. 3C are diagrams for explaining a process in which, as methods of transferring sales/advertisement data to a loan system, a method of requesting, by a loan company server, data to a debtor terminal when the sales/advertisement data is transmitted to the loan company server of the loan system and of directly transmitting data from a debtor terminal, a method of extracting data by the loan company server or the agent of the debtor terminal accessing the sales/advertisement data management server and by using the scrapping, and a method of extracting data through cooperation are performed in a loan service providing system based on sales and advertisement data according to an embodiment of the present invention, and FIG. 4A to FIG. 4C are diagrams for explaining a process in which payment to a debtor in a advertisement loan product, confirmation to a advertisement company, a direct remittance, and a partial payment when the advertisement cost is exhausted are performed in a loan service providing system based on sales and advertisement data according to an embodiment of the present invention.
[0046] A loan service providing system based on sales and advertisement data of the present invention includes a sales/advertisement management system (or an advertisement company server) 100, a loan system (or a loan company server) 200, a payment system 300, a shopping mall system 400, a manager information terminal 500, a loan advertisement agent 110, a loan advertisement server 210, and the like.
[0047] Here, the sales/advertisement management system 100 includes an advertisement company server, an advertisement agency server, an advertisement system operator server, a sales/advertisement data management server, and a client program, the loan system 200 includes a loan company server, the payment system 300 includes a PG company and a third debtor terminal, and the shopping mall system 400 includes a shopping mall that is subject to loan examination among shopping malls operated by a debtor (borrower), a shopping mall web server, and a program for managing the shopping mall.
[0048] As shown in FIG. 1 to FIG. 4C, the loan service providing system based on the sales and advertisement data according to the present invention includes the loan system 200 performing: a function of requesting and receiving a past advertisement expense, sales according to advertisement, and an ROAS to and from a sales/advertisement management system for loan examination when a loan application is received from a debtor terminal, a function of requesting and receiving a sales amount for each past period and a percentage of sales to be settled through a payment system of a specific PG company among the corresponding sales to and from a shopping mall system, a function of requesting and receiving past payment information of debtor shopping malls to and from the payment system; a function of confirming, by a shopping mall system or a terminal of the debtor, a contract history of transferring trade receivable to occur during a loan period to the loan company, when a payment system of the PG company that is contracted with a loan company in the debtor shopping mall is used, a function of predicting future sales according to execution of advertising cost by analyzing past advertisement expenditure history, the ROAS, and revenue by period of the shopping mall, a function of predicting probability of withdrawing the loan from a third debtor through transfer of the trade receivable based on the payment history collected from the payment system, a function of calculating a loan limit, an interest rate, and a repayment schedule based on sales/advertising data and similar business sales data, a function of calculating a repayment date of early repayment or normal repayment based on the sales generated in the shopping mall system and the repayment schedule ofthe loan during the repayment period after the execution of the loan, and of determining a method of reimbursement to be collected from the third debtor who need additional deposits or that are not previously contracted for transfer of the trade receivable when generated revenues cannot be repaid with an amount recovered by using the bond transfer or an account change in advance, a function of requesting transfer of the trade receivable from the debtor shopping mall to the payment system ofthe PG when the withdrawal is required from the PG company (the third debtor) who has not transferred a bond in advance, and a function of transmitting, by the loan system, completion of loan repayment to the sales/advertisement management system, the payment system, and the shopping mall system connected to the loan system when the loan is completely repaid; the sales/advertisement management system 100 performing: a function of being requested to transmit and then transmitting the history of the past advertisement cost, the sales generation according to the advertisement, and the ROAS from and to the loan system, and a function of receiving the completion of the loan repayment from the loan system when the repayment of the loan is completed; the shopping mall system 400 performing: a function of being requested and then transmitting a history of past sales by period and a usage rate of the specific PG company among the corresponding sales from the loan system, a function of approving, by a shopping mall system or terminal of a debtor (a shopping mall owner), the payment system to check the payment history of the shopping mall from the payment system, a function of transmitting a sales history from the shopping mall system to the loan system when sales are generated in the shopping mall, a function of additionally or separately transmitting the sales generated through the payment system of the PG company (the third debtor) contracted with the loan company to the loan system from the shopping mall system, and a function of receiving the completion of the loan repayment from the loan system when the repayment of the loan is completed; and the payment system 300 performing: a function of being requested to transmit and then transmitting past payment information of the debtor shopping malls from the loan system, a function of concluding, by the debtor shopping mall system or terminal, a receivables transfer contract with the loan company server, which transfers the receivables that occur during a loan period to the loan company, concluding, by the debtor shopping mall system or terminal, a contract to transfer an account from which the debtor shopping mall system or terminal receives the sales from the payment system to an account designated by the loan company or the loan company, and confirming the history of the receivables transfer contract in the loan system and the receivables that will occur during the loan period, when the payment system of the PG company that is contracted with the loan company in the shopping mall is used, and a function of receiving the completion of the loan repayment from the loan system when the repayment of the loan is completed.
[0049] Functions of respective technical elements included the loan service providing system based on the sales and advertisement data of the present invention will be described as follows.
[0050] The loan system performs: a function of requesting and receiving a past advertisement expense, sales according to advertisement, and an ROAS to and from the sales/advertisement management system 100 for loan examination when a loan application is received from a debtor terminal, a function of requesting and receiving a sales amount for each past period and a percentage of sales to be settled through a payment system of a specific PG company among the corresponding sales to and from the shopping mall system 400, a function of requesting and receiving past payment information of debtor shopping malls to and from the payment system 300, a function of confirming, by the shopping mall system 400 or a terminal of the debtor, a contract history of transferring trade receivable to occur during a loan period to the loan company, when the payment system 400 of the PG company that is contracted with a loan company in the debtor shopping mall is used, a function of predicting future sales according to execution of advertising cost by analyzing past advertisement expenditure history, the ROAS (Return on Advertising Spend), and revenue by period of the shopping mall, a function of predicting probability of withdrawing the loan from a third debtor through transfer of the trade receivable based on the payment history collected from the payment system 300, a function of calculating a loan limit, an interest rate, and a repayment schedule based on sales/advertising data and similar business sales data, a function of calculating a repayment date of early repayment or normal repayment based on the sales generated in the shopping mall system 400 and the repayment schedule of the loan during the repayment period after the execution of the loan, and of determining a method of reimbursement to be collected from the third debtor who need additional deposits or that are not previously contracted for transfer of the trade receivable when generated revenues cannot be repaid with an amount recovered by using the bond transfer or an account change in advance, a function of requesting transfer of the trade receivable from the debtor shopping mall to the payment system 300 of the PG when the withdrawal is required from the PG company (the third debtor) who has not transferred a bond in advance, and a function of transmitting, by the loan system 200, completion of loan repayment to the sales/advertisement management system 100, the payment system 300, and the shopping mall system 400 connected to the loan system when the loan is completely repaid.
[0051] The data used in the loan examination by the loan system 200 includes a history of the advertisement cost expenditure, increase of the sales due to the advertisement cost expenditure, a measured ROAS, and a change amount of the sales by period.
[0052] As shown in FIG. 2, when the loan system 200 transmits loan product data including examination criteria of the loan product to a loan advertisement agent 110 of the sales/advertisement management system 100 through the loan advertisement server 210, based on the ROAS, which is used as an index for predicting an anticipated sales to be achieved when a certain level of advertisement cost expenditure is used in the future based on the sales/advertisement data, the loan advertisement agent 110 analyzes the ROAS through the past sales and the history of the advertisement cost expenditure, estimates future sales through the analyzed ROAS to calculate loan availability, interest rate, and limit based on the examination criteria of the loan product, and displays loan information on the manager information terminal 500 when it is determined that the loan advertisement is possible.
[0053] The sales/advertisement management system 100 performs: a function of being requested to transmit and then transmitting the history of the past advertisement cost, the sales generation according to the advertisement, and the ROAS from and to the loan system 200, and a function of receiving the completion of the loan repayment from the loan system 200 when the repayment of the loan is completed. Here, the loan service providing system performs: a function of transferring the loan from the loan company server 200 to the advertisement company server 100 and of transmitting the transfer result from the loan system 200 to the sales/advertisement management system 100 when the loan is approved in a case that the loan is approved only by the advertisement cost in the loan system 200 and the sales/advertisement management system 100, a function of allowing the advertisement company server 100 to be transferred the loan from the loan company server 200 and of allowing the sales/advertisement management system 100 to receive the transfer result from the loan system 200 when the loan is approved, or a function of allowing the loan company server 200 to pay an advertisement cost to the advertisement company server 100 or the payment system 300 linked with the advertisement company server 100 and of allowing the advertisement company server 100 to transmit the payment result of the advertisement cost executed by the loan company server 200 to the loan company server 200.
[0054] As shown in FIG. 3A to FIG. 3C, it is possible to request data from the loan company server 200 to a debtor terminal when transmitting the sales/advertisement data to the loan company server 200 of the loan system from the sales/advertisement data management server or client 100 of the sales/advertisement management system 100, and it is possible to selectively perform one of a method of directly transmitting the data from the debtor terminal, a method of extracting data using scraping by accessing the sales/advertisement data management server 100 from the loan company server 200 or an agent of the debtor terminal, and a method of extracting data through cooperation.
[0055] FIG. 3A shows the method in which the debtor directly transmits it, and this method may be complex and impossible depending on the debtors and there may be a problem with the reliability of the submitted data, but this method does not require any cooperation, and its development complexity is low.
[0056] FIG. 3B shows the method in which the loan company server 200 extracts data using scraping when the debtor delegates an inquiry authority to the loan company server 200, and in this case, this method requires obtaining the login information of the debtor, so that a process of discarding the login information is required later, however, this method does not require cooperation, may collect data quickly and accurately, and has high reliability of data.
[0057] FIG. 3C shows the method of extracting data through the cooperation in which the debtor delegates the inquiry authority to the sales/advertisement data management server or client 100, and this method requires any cooperation, however, this method may collect data quickly and accurately, and has high reliability of the data.
[0058] The shopping mall system 400 performs: a function of being requested and then transmitting a history of past sales by period and a usage rate of the specific PG company among the corresponding sales from the loan system 200, a function of approving, by the shopping mall system 400 or terminal of a debtor (a shopping mall owner), the payment system 300 to check the payment history of the shopping mall from the payment system 300, a function of transmitting a sales history from the shopping mall system 400 to the loan system 200 when sales are generated in the shopping mall, a function of additionally or separately transmitting the sales generated through the payment system 200 of the PG company (the third debtor) contracted with the loan company to the loan system 200 from the shopping mall system 400, and a function of receiving the completion of the loan repayment from the loan system 200 when the repayment of the loan is completed. Here, the debtor shopping mall includes a shopping mall subject to the loan examination and another shopping mall in the name of the debtor.
[0059] The payment system 300 performs: a function of being requested to transmit and then transmitting past payment information of the debtor shopping malls from the loan system 200, a function of concluding, by the debtor shopping mall system or terminal, a receivables transfer contract with the loan company server 200, which transfers the receivables that occur during a loan period to the loan company, concluding, by the debtor shopping mall system or terminal, a contract to transfer an account from which the debtor shopping mall system or terminal receives the sales from the payment system 300 to an account designated by the loan company or the loan company, and confirming the history of the receivables transfer contract in the loan system 200 and the receivables that will occur during the loan period, when the payment system 300 of the PG company that is contracted with the loan company in the shopping mall is used, and a function of receiving the completion of the loan repayment from the loan system 200 when the repayment of the loan is completed.
[0060] In addition, when the loan is made on condition that a part of the loan is used only the advertisement cost by the advertisement company server 100 until the loan system 200 informs the sales/advertisement management system 100 that the loan has been repaid in the loan system 200, since the loan must be used only the advertisement cost, it is impossible to send a refund so that the corresponding advertisement cost cannot be refunded arbitrarily to the debtor (shopping mall owner) terminal.
[0061] The data to be used in the loan examination includes a history of the advertisement cost expenditure, increase of the sales due to the advertisement cost expenditure, a measured ROAS, and a change amount of the sales by period.
[0062] FIG. 4A and FIG. 4B show methods of paying a loan of an advertisement cost loan product between the loan company server 200 and the advertisement company server 100.
[0063] The payment of the loan between the loan company server 200 and the advertisement company server 100 is performed by one of a method of instructing, by the loan company server 200, the payment in the loan product of the advertisement cost to a bank account of the debtor by using a bank network and of confirming it later from the advertisement company server, and a method of instructing, by the loan company server 200, the payment to an account of the advertisement company by using the bank network, of confirming, by the advertisement company server 100, it, and of partially paying when the advertisement cost is exhausted.
[0064] FIG. 4A shows a method of paying a lender and checking it from an advertising company in which when a borrower pays a loan paid to the borrower by the loan company server 200 as an advertisement cost to the advertisement company server 100, the advertisement company server 100 confirms the advertisement cost from the loan company server 200.
[0065] FIG. 4B shows a method of paying the advertisement cost to the advertisement company server 100 from the loan company server 200, that is, this method is a direct remittance method, which may prevent an accident caused by treachery of the borrower.
[0066] FIG. 4C shows a method in which the advertisement company server 100 requests and receives the advertisement cost to and from the lender company server 200 when the loan company server 200 notifies the advertisement company server 100 of an advertisement cost limit, which is a method of partially receiving the advertisement cost when the advertisement cost is exhausted, and this method may reduce the interest since the loan is not executed at once.
[0067] It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention as defined in the appended claims, therefore the present invention is not limited to the embodiments described above and the accompanying drawings.
[0068] [Industrial applicability] [0069] As described above, the loan service providing system based on the sales and advertisement data of the present invention may be widely applied to the loan field linked with the advertisement company, the shopping mall, and the financial company.

Claims (8)

  1. [CLAIMS] [Claim 1]
    A loan service providing system based on sales and advertising data, comprising:
    a loan system performing: a function of requesting and receiving a past advertisement expense, sales according to advertisement, and an ROAS to and from a sales/advertisement management system for loan examination when a loan application is received from a debtor terminal, a function of requesting and receiving a sales amount for each past period and a percentage of sales to be settled through a payment system of a specific PG company among the corresponding sales to and from a shopping mall system, a function of requesting and receiving past payment information of debtor shopping malls to and from the payment system, a function of confirming, by a shopping mall system or a terminal of the debtor, a contract history of transferring trade receivable to occur during a loan period to the loan company, when a payment system of the PG company that is contracted with a loan company in the debtor shopping mall is used, a function of calculating a repayment date of early repayment or normal repayment based on the sales generated in the shopping mall system and the repayment schedule of the loan during the repayment period after the execution of the loan, and of determining a method of reimbursement to be collected from the third borrower who need additional deposits or that are not previously contracted for transfer of the trade receivable when generated revenues cannot be repaid with an amount recovered by using the bond transfer or an account change in advance, a function of requesting transfer of the trade receivable from the debtor shopping mall to the payment system of the PG when the withdrawal is required from the PG company (the third debtor) who has not transferred a bond in advance, and a function of transmitting, by the loan system, completion of loan repayment to the sales/advertisement management system, the payment system, and the shopping mall system connected to the loan system when the loan is completely repaid;
    a sales/advertisement management system performing: a function of being requested to transmit and then transmitting the history of the past advertisement cost, the sales generation according to the advertisement, and the ROAS from and to the loan system, and a function of receiving the completion of the loan repayment from the loan system when the repayment of the loan is completed;
    a shopping mall system performing: a function of being requested and then transmitting a history of past sales by period and a usage rate of the specific PG company among the corresponding sales from the loan system, a function of approving, by a shopping mall system or terminal of a debtor (a shopping mall owner), the payment system to check the payment history of the shopping mall from the payment system, a function of transmitting a sales history from the shopping mall system to the loan system when sales are generated in the shopping mall, a function of additionally or separately transmitting the sales generated through the payment system of the PG company (the third debtor) contracted with the loan company to the loan system from the shopping mall system, and a function of receiving the completion of the loan repayment from the loan system when the repayment of the loan is completed; and a payment system performing: a function of being requested to transmit and then transmitting past payment information ofthe debtor shopping malls from the loan system, a function of concluding, by the debtor shopping mall system or terminal, a receivables transfer contract with the loan company server, which transfers the receivables that occur during a loan period to the loan company, concluding, by the debtor shopping mall system or terminal, a contract to transfer an account from which the debtor shopping mall system or terminal receives the sales from the payment system to an account designated by the loan company or the loan company, and confirming the history of the receivables transfer contract in the loan system and the receivables that will occur during the loan period, when the payment system of the PG company that is contracted with the lending company in the shopping mall is used, and a function of receiving the completion of the loan repayment from the loan system when the repayment of the loan is completed.
  2. [Claim 2]
    The loan service providing system based on the sales and advertising data of claim 1, wherein a loan system performing: a function of predicting future sales according to execution of advertising cost by analyzing past advertisement expenditure history, the ROAS, and revenue by period of the shopping mall, a function of predicting probability of withdrawing the loan from a third borrower through transfer of the trade receivable based on the payment history collected from the payment system, a function of calculating a loan limit, an interest rate, and a repayment schedule based on sales/advertising data and similar business sales data.
  3. [Claim 3]
    The loan service providing system based on the sales and advertising data of claim 1, wherein the loan service providing system performs: a function of transferring the loan from the loan company server to the advertisement company server and of transmitting the transfer result from the loan system to the sales/advertisement management system when the loan is approved in a case that the loan is approved only by the advertisement cost in the loan system and the sales/advertisement management system, a function of allowing the advertisement company server to be transferred the loan from the loan company server and of allowing the sales/advertisement management system to receive the transfer result from the loan system when the loan is approved, or a function of allowing the loan company server to pay an advertisement cost to the advertisement company server or the payment system linked with the advertisement company server and of allowing the advertisement company server to transmit the payment result of the advertisement cost executed by the loan company server to the loan company server.
  4. [Claim 4]
    The loan service providing system based on the sales and advertising data of claim 1, wherein the payment of the loan between the loan company server and the advertisement company server is performed by one of a method of instructing, by the loan company server, the payment in the loan product of the advertisement cost to a bank account of the debtor by using a bank network and of confirming it later from the advertisement company server, and a method of instructing, by the loan company server, the payment to an account of the advertisement company by using the bank network, of confirming, by the advertisement company server, it, and of partially paying when the advertisement cost is exhausted.
  5. [Claim 5]
    The loan service providing system based on the sales and advertising data of claim 1, wherein when the loan is made on condition that a part of the loan is used only the advertisement cost by the advertisement company server until the loan system informs the sales/advertisement management system that the loan has been repaid in the loan system, since the loan must be used only the advertisement cost, it is impossible to send a refund so that the corresponding advertisement cost cannot be refunded arbitrarily to the debtor (shopping mall owner) terminal.
  6. [Claim 6]
    The loan service providing system based on the sales and advertising data of claim 1, wherein the data used in the loan examination includes a history of the advertisement cost expenditure, increase of the sales due to the advertisement cost expenditure, a measured ROAS, and a change amount of the sales by period.
  7. [Claim 7]
    The loan service providing system based on the sales and advertising data of claim 1, wherein when the loan system transmits loan product data including examination criteria of the loan product to a loan advertisement agent of the sales/advertisement management system through the loan advertisement server, based on the ROAS, which is used as an index for predicting an anticipated sales to be achieved when a certain level of advertisement cost expenditure is used in the future based on the sales/advertisement data, the loan advertisement agent analyzes the ROAS through the past sales and the history of the advertisement cost expenditure, estimates future sales through the analyzed ROAS to calculate loan availability, interest rate, and limit based on the examination criteria of the loan product, and displays loan information on the manager information terminal when it is determined that the loan advertisement is possible.
  8. [Claim 8]
    The loan service providing system based on the sales and advertising data of claim 1, wherein when the sales/advertisement data is transmitted from the sales/advertisement data management server or client of the sales/advertisement management system to the loan company server of the loan system, the loan company server makes a request for data to the debtor terminal, and one of a method of directly transmitting data from a debtor terminal, a method of extracting data by the loan company server or the agent of the debtor terminal accessing the sales/advertisement data management server and by using the scrapping, and a method of extracting data through cooperation is performed.
GB1820810.8A 2016-08-30 2017-01-25 System for providing loan service on basis of sales and advertisement data Withdrawn GB2568402A (en)

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JP6512464B2 (en) 2019-05-22

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