JP2023054740A - Money sharing platform program - Google Patents

Abstract

To provide an information processing method, an information processing device, and a program that enable a demander and a supplier of funds to directly use an electronic commerce platform that is cheaper and easier to operate without going through a bank.SOLUTION: In a method, a user uses a mobile terminal on a platform to perform ID registration to an authentication ID database, and receives provision of career assessment and an ID. A cloud server provides a memorandum input interface to the mobile terminal, accepts access to the authentication ID database after input by the user, and performs personal identification and intention confirmation. A signed memorandum reflecting the authenticated ID is stored in the mobile terminal and a storage mail database, a remittance instruction is provided to the mobile terminal, consent of an affiliated store is confirmed by a supply remittance to bring a contract into effect, and a balance of a transaction balance database is added. The remittance instruction is provided to the mobile terminal before a return due date, the balance of the transaction balance database is subtracted by a return remittance, and the contract is terminated.SELECTED DRAWING: Figure 1

Description

The present invention relates to electronic commerce, and more particularly to an information processing method, an information processing apparatus, and a program for constructing members in a network and performing information processing on an electronic commerce platform for fundraising purposes via the Internet.

BACKGROUND ART In recent years, electronic payment services that perform cashless payments by methods such as prepayment, immediate payment, and deferred payment using smartphones and the like have rapidly spread. In cashless payment, an increasing number of businesses are constructing an electronic payment system that is not based on a bank account but based on an electronic money account with lower fees (see, for example, Patent Document 1).

In recent years, when the information industry using networks such as the Internet and SNS (hereinafter referred to as "networks") and its technology have developed rapidly, related services are being handled one after another in virtualized electronic commerce. As a result, cashless payments have made electronic commerce, which is a form of information-like financing, no exception.

Therefore, mobile terminals such as smart watches, smartphones, tablet terminals and PCs (hereinafter collectively referred to as "mobile terminals"), which are necessary in the era of information industry technology that applies networks, are used to liquidate accumulated funds. A platform program (hereinafter referred to as “platform”) that conducts electronic commerce (hereinafter referred to as “money sharing transaction”) that enables easy and low-cost fund raising in order to eliminate complicated procedures and interest, etc. ), and for that purpose, it is necessary to first return the service right to a user member (hereinafter referred to as "user") who needs funds. That is, the user and the member of the merchant who provides the funds (hereinafter referred to as the "merchant") can customize the money sharing plan to suit their own financial situation, and the amount of money raised in the customization The merchant side should not unilaterally decide the terms and conditions such as the return deadline, but should determine a fair bottom price in advance through the safety program of the platform, but should also decide according to the financial situation and demand of the user (for example, patent document 2).

Japanese Patent Application Laid-Open No. 2020-144915 Japanese Patent Application Laid-Open No. 2008-234648

This invention is a money-sharing transaction that creates interest-free and non-claimable funds (hereinafter referred to as "non-claimable funds"). The objective is to provide a platform that users have been waiting for with the rapid development of network-based information industry technology using mobile terminals.

In addition, the present invention can create opportunities for users and member stores to contact each other quickly, efficiently, and in large quantities via a network for money-sharing transactions. Accounts (hereinafter collectively referred to as "accounts") can also be linked, and money sharing transactions that procure non-claimable funds can be conducted according to user demand, and users and merchants can , by creating opportunities for online contact and money sharing, users and merchants can directly use the platform for money sharing transactions, without the need for intermediaries such as banks, and direct finance. To provide a platform capable of approximating a preferable state of

As long as the newly created funds are non-claimable funds, the platform should be used voluntarily by the users so that the usage amount is not based on the evidence of the user's financial situation and the return source. Also, the problem is to provide a platform that does not disadvantage the member store, such as the function that prompts the user to return the product to a certain extent.

Therefore, the present invention has been made in view of such circumstances. Users and affiliated stores are configured in a network, and members can use mobile terminals registered on the platform to directly, conveniently, and quickly online. The basic amount that can be used based on the financial situation of the user and the evidence of the funds to be returned when signing a memorandum of understanding with , making sure mutual payments, and conducting money sharing transactions of non-claimable funds according to the user's demand. , Update the assessment each time the impairment rate according to the number of times the money sharing transaction is used and the return performance, and provide a platform that allows money sharing transactions with the usage amount corresponding to the growth of the user's demand for funds. The present invention was completed on the basis of such knowledge.

The present invention will be specifically described below.

The platform described in claim 1 is a platform that builds users and affiliated stores into a network and conducts money sharing transactions directly online, and is a platform that is built on the network by a platform provider and member mobile terminals operated by persons and merchants for entering required data and utilizing money sharing transactions through said platform;
The platform pre-calculates the basic usage amount for money sharing transactions based on the applicant's registration data input from the user's mobile terminal, provides the applicant with an ID and an authentication code as a member, and proceed with the money sharing transaction, reflect the data entered from said user mobile terminal, send an electronically signed memorandum to said user mobile terminal, store it in a storage mail database, and make a payment based on said memorandum One-time item data (hereinafter referred to as "remittance instruction") is provided to the mobile terminal of the member store, and the remittance to be paid by the member store based on the remittance instruction (hereinafter collectively referred to as "remittance"). ) to authenticate the memorandum of the member store, validate and effectuate the memorandum, add and store the user balance in the transaction balance database, and complete the money sharing transaction on the platform. let
Further, the platform provides a remittance instruction to the user's mobile terminal before the due date for the return based on the memorandum, the user remits the refund, and the member store confirms the refund deposit and sends it to the platform. acknowledging receipt of payment causes the platform to subtract and store the user balance in the transaction balance database to terminate money sharing transactions and memorandums on the platform;
In the settlement of money sharing transactions on the platform, calculating the dividend amount based on the cumulative underwriting amount of the money sharing transactions of the member store, using the surplus after processing the operating expenses and uncollected funds from the common benefit membership fee,
remittance of dividends to member stores and provision of income and expenditure statements for each member to the member's mobile terminal;

The platform described in claim 2 is a platform that builds users and affiliated stores into a network and conducts money sharing transactions directly online, and is a platform that is built on the network by a platform provider and a member mobile terminal operated by a person and a member store to enter data required for money sharing transactions and use money sharing transactions through the platform;
The platform pre-calculates the basic usage amount for money sharing transactions based on the applicant's registration data input from the user's mobile terminal, provides the applicant with an ID and an authentication code as a member, and a cloud server that progresses money sharing transactions and progresses remittances of member stores and users based on the results of money sharing transactions;
An authentication ID database (hereinafter referred to as "authentication ID database”), and
a My Page database (hereinafter referred to as "My Page database") that is connected to the cloud server and displays user and member store data related to money sharing transactions that have progressed on the platform;
a transaction balance database (hereinafter referred to as a "transaction balance database") that is connected to the cloud server and stores historical data of user transaction balances related to money sharing transactions that have progressed on the platform;
Connect to the cloud server to send the memorandum of understanding of the money sharing transaction conducted on the platform to the user's mobile terminal, store it in a storage mail database, and send the remittance instructions to the mobile terminals of the user and the merchant. and a stored mail database (hereinafter referred to as a "stored mail database").

The method of money sharing described in claim 3 is a method of money sharing transaction performed using the platform described in claim 1 or 2, wherein a user and a member store are connected to the platform via a network. A step of using a mobile terminal to register data necessary for membership registration, the platform calculating and assessing the user's basic usage amount based on the registration data, examining membership, and providing an ID and an authentication code as a member. and,
When the user's mobile terminal is used to connect to the platform and enter the ID and authentication code online, the authentication ID database authenticates the user's ID and authentication code, and the cloud server of the platform sends the user's mobile Provide a memorandum input interface on the terminal, input by the user, the platform will send the memorandum to the user's mobile terminal if the money sharing transaction memorandum is normal, and store the mail database of the platform and providing a remittance instruction based on the memorandum to the merchant mobile terminal to proceed with the remittance;
a step of authenticating the consent of the member store to the conclusion of the memorandum by the remittance and adding and storing the user balance in the transaction balance database of the cloud server;
The cloud server of the platform provides a remittance instruction to the user's mobile terminal before the return date based on the money sharing transaction, and the remittance proceeds by the return date, and the member store receives the payment from the user. when the payment is confirmed and notified to the platform, the cloud server subtracts and stores the user balance in the transaction balance database;
In the settlement of money sharing transactions on the platform, the dividend amount is calculated based on the cumulative underwriting amount of the money sharing transactions of the merchants, using the common benefit membership fees, operating expenses, and surpluses from non-performance of refunds as the basic funds. , remittance of dividends to the member store and providing a statement of income and expenditure for each member to the member's mobile terminal;
The additional amount that the previous user can use next time is calculated and assessed based on the cumulative number of money sharing transactions each time the money sharing transaction is completed, and the user can use the added amount according to their own needs. and said platform updating the valuation as such.

The method of money sharing described in claim 4 is characterized in that the step of member registration of the user and the member store includes: the platform provides a registration input interface to the applicant's mobile terminal, and the applicant uses the mobile phone number, authentication Enter code, e-mail address, personal information, and attach necessary documents to apply for registration, the platform will calculate and assess the applicant's basic usage amount, authenticate the membership, and the platform will ask the applicant to become a member. and providing an ID and an authorization code.

In the money sharing method according to claim 5, the step of inputting by the user in concluding the memorandum of understanding is that when the user connects to the platform using a mobile terminal and inputs an ID and an authentication code online, the The authentication ID database authenticates the user's ID and authentication code, the cloud server of the platform provides a memorandum input interface to the user's mobile terminal, and the user enters the ID, authentication code, usage amount and refund date By inputting, the user's intention to conclude a memorandum in the money sharing transaction is authenticated, and if the user does not enter, the user is deemed not to have the intention to perform the money sharing transaction, and automatically after the lapse of a set time When logged out and entered, said platform will send an electronically signed memorandum based on said user's registration data to said user's mobile terminal, store it in said platform's stored mail database, and send said Providing remittance instructions under the memorandum to facilitate the money sharing transaction.

In the money sharing method of claim 6, if there is an error in the memorandum, the platform provides a memorandum input interface for the user to re-input, so that the user can re-enter or not is not entered, the user is deemed to have no intention of the money sharing transaction, and is automatically logged out after a set period of time has elapsed. Including going back to re-entering steps.

In the money sharing method described in claim 7, in the step of proceeding with the remittance to the member store, the platform determines the amount to be paid by the member store, the account information specified by the user, and the execution of a memorandum of understanding by the user. Provide a one-time remittance instruction describing items such as consent to the content to the mobile terminal of the member store, authenticate the consent of the member store to the memorandum by remittance based on the remittance instruction, and send the memorandum when the merchant sends the electronic remittance slip to the platform, and the platform authenticates the remittance completion, the user balance in the transaction balance database of the cloud server is added and stored, and the money is Including entering into a sharing transaction.

In the money sharing method according to claim 8, in the step of proceeding with the user's return remittance, the cloud server of the platform sends a remittance instruction based on the memorandum to the user's mobile terminal before the return date. the user remittance according to the remittance instruction, the member store confirms the returned money and sends a confirmation notice of the returned money to the platform, terminates the memorandum, and the platform receives the money Decrementing and storing the user balance in a transaction balance database based on the notification and terminating the money sharing transaction.

In the money sharing method according to claim 9, in the step of proceeding with the dividend remittance to the member store in settlement of the money sharing transaction, the platform instructs the member store mobile terminal to participate in the money sharing transaction. Calculates the income and expenditure for each store, provides an income and expenditure settlement report, and uses the surplus after processing operating expenses and uncollected funds from the common benefit membership fee revenue of the said platform as the source of the money sharing acceptance amount of the said member store. calculating the dividend amount by and remitting dividends to the member store, thereby functioning the member store's risk hedging and profit.

11. The method of money sharing as recited in claim 10, wherein said platform updates an assessment amount for each money sharing transaction, wherein said platform updates each time said user's money sharing transaction is completed, the next available addition The amount is calculated and assessed based on the cumulative number of money sharing transactions of the user, and the user can use the amount added by self-demand to make the user's return in the money sharing transaction work. Including.

The money sharing method according to this invention creates an opportunity for the user to quickly, efficiently, and in large quantities contact with member stores that match the assessment based on the assessment. It is possible to match the growing financial needs of users by liquidating the accumulated funds of member stores. On the other hand, for affiliated stores, we will distribute funds according to the cumulative amount of money sharing transactions underwritten by affiliated stores, using the surplus after processing platform operating expenses and uncollected funds from common benefit membership fees. It has the advantage of being able to carry out money-sharing transactions in which demand and supply are well balanced.

In addition, this invention uses a platform that creates unprecedented non-claimable funds, allowing users to pay the common benefit membership fee and enter only four items using a mobile terminal to conclude a memorandum of understanding and acquire funds, further growing funds. To provide favorable direct financial transactions in which real-time increase in amount can be used according to demand, and on the other hand, member stores can conclude a memorandum of understanding simply by paying a common benefit membership fee and making an electronic remittance using a mobile terminal according to remittance instructions. has the advantage of being able to

This invention is not a form based on the past, such as a credit check conducted for the purpose of strengthening claims that are favorable to the fund provider, as in the past, but an assessment that reflects future transaction performance. And without the need for credit checks, users, including freelancers and foreign residents, who are increasing due to the lifting of the ban on side jobs, can acquire non-claimable funds in the user's designated account simply by entering the necessary information after registering as a member. have the advantage of being able to

The present invention provides a platform built on a network and a method of money sharing performed using the platform. That is, when an unspecified member links to the platform through the Internet and logs in, the cloud server included in the platform sends a specific web page to the mobile terminal operated by the user who is an unspecified member and the member store. provides an input interface for data input.

The unspecified members refer to users and affiliated stores who apply for membership registration, undergo assessment and membership screening, and receive IDs and authentication codes as members who pay a fixed common benefit membership fee that contributes to the operation of the platform. . A user inputs an ID and an authentication code to the input interface, is authenticated by the platform, and can use money sharing transactions performed on the platform.

The platform provided by the present invention comprises a platform 1 that links a plurality of user mobile terminals 2 and member store mobile terminals 3, as disclosed in FIG. , and linked to the user mobile terminal 2 and the member store mobile terminal 3 via SNS or the Internet.

The user mobile terminal 2 and the member store mobile terminal 3 are devices equipped with electronic communication functions, such as smart watches, PCs, smartphones, and tablet terminals. By constructing the user mobile terminal 2 and the member store mobile terminal 3 in the network, member, fund, contract, remittance and transaction information can be virtualized.

The platform 1 has a mobile communication or Internet communication function, a cloud server 4 linked to user mobile terminals 2 and member store mobile terminals 3 via a network, and three types of databases electrically connected to the cloud server 4. That is, the cloud server 4 displays the authentication ID database 5 that stores the authentication data obtained by exchanging data with the user mobile terminal 2 and the member store mobile terminal 3, and the assessment and registration data calculated by the cloud server 4. My page database 6, a predetermined SNS and e-mail server 13 linked to the cloud server 4 via the network, the signed memorandum is transmitted, the concluded memorandum is saved, and the remittance instruction is received and transmitted. and the stored mail database 9 of the e-mail server 13, and the transaction balance database 12 of the cloud server 4 that calculates and stores the transaction balance of money sharing related to the remittance performed by the user and the member store based on the remittance instruction. .

According to the online money sharing method of the platform provided by the present invention, as described above, the platform provider builds a platform including the platform 1 on the network, and the users and member stores and carry out money sharing.

The above-mentioned money sharing transaction sets a period for each period, the user applies for it according to his/her own demand, the affiliated store pays the amount based on the remittance instruction to the account designated by the user, and the user continues until the refund date to the account designated by the member store in the same amount as the payment received above. In addition, even if the user defaults on the return date, the member store does not exercise the right to claim. The transaction is called a money sharing transaction in this invention.

The cloud server 4 provides a registration input interface to the user mobile terminal 2 via the network, the user inputs the data necessary for membership, the cloud server 4 calculates and assesses the input data, and allows the user to join. Approve, provide ID and authentication code, and user utilizes money sharing transaction via platform 1 with ID and authentication code. The cloud server 4 provides a memorandum input interface to the user's mobile terminal 2 via the network, the user inputs to conclude a memorandum of understanding for money sharing transactions, and the merchant proceeds with remittance based on the memorandum. In addition, based on the assessment, the platform 1 can set the amount and range of refund period when the user inputs the memorandum input interface.

To elaborate on the money sharing method according to the present invention, after registering as a member, the user and the affiliated store set the mode of the My Page database 6 according to the user's financial needs, and actively use the money sharing transaction. Mode or sleep mode not to be used can be selected, and users and member stores who set sleep mode can stop payment of common benefit membership fee. The platform 1 can allocate and provide demand for money sharing transactions only to merchants that enter by setting the active mode.

When the money sharing transaction is started, the user inputs an ID, an authentication code, a usage amount and a refund date from the user mobile terminal 2. - 特許庁If the input contents are normal, the platform 1 concludes a money sharing transaction memorandum; if there is an error in the input, the platform does not accept the input and returns to the re-input step, and the user is not re-entered, the platform will deem that there is no intention to engage in money sharing transactions, switch to sleep mode settings, stop paying the user's common benefit membership fee for the current month, automatically log out after the set time has passed, and If the user re-enters, proceed with the money sharing transaction.

The money sharing method according to the present invention will be described below with reference to the drawings.
FIG. 2 is a flow chart showing a method of online money sharing on a platform built in a network according to the present invention. Tap the URL ticket to access the provided registration entry interface.

According to drawing S102, in step 112, a member is registered on the platform. That is, the applicant taps the URL ticket to access the registration input interface, enters the personal identification data required for member registration, attaches the necessary documents to the clip button in the personal information column and sends it, and the platform assessment and To complete membership registration by a user, a member store, or both after undergoing an admission examination.

According to drawing S103, in step 113, the applicant confirms the contents to be registered, re-inputs if there is an error, and taps the registration button to complete the registration if it is normal, and logs out. After the member registration is completed, money sharing transactions can be conducted.

FIG. 3 is a flow chart showing a method of online money sharing on a platform built in a network according to the present invention. Tap the URL ticket to access the input interface

According to drawing S202, at step 212, the money sharing transaction proceeds. That is, the user inputs the data required for the memorandum of understanding of the money sharing transaction. The platform authenticates the user's ID, but if an error occurs more than n times in succession, the user's access is stopped, and the user inquires the platform via the network to restore the access.

According to drawing S203, in step 213, necessary data is reflected from the ID data, an electronically signed memorandum is provided to the user's mobile terminal, and after the user confirms the content, tapping the charge registration button causes the platform to Authenticate with and store in the saved mail database.

In step 214, the platform provides a remittance instruction to the member store mobile terminal, and the member store electronically remits the usage amount to the user's designated account based on the remittance instruction, thereby allowing the member store to conclude a memorandum of understanding. Consent is validated and the Memorandum of Understanding is validated and put into effect.

At step 215, the user confirms the amount credited to the account and notifies the platform of the receipt, completing the money sharing transaction and adding and storing the user's balance in the transaction balance database.

FIG. 4 is a flow chart showing a method of online money sharing on a network-built platform according to the present invention. provide a remittance instruction for the user mobile terminal.

In step 312, the user electronically remits the money to the designated account of the member store by the due date of the refund, and notifies the platform of the completion of the remittance.

According to Figure S302, in step 313, the member store confirms the refunded money in the designated account and notifies the platform of the receipt, the memorandum is terminated, and the user's balance in the transaction balance database is subtracted and stored.

FIG. 2 is a flow chart disclosing the steps for a merchant to register. As for the member registration step, as with the user, according to the drawing, it becomes a member store in steps 111 to 113. Based on the remittance instructions provided from the platform to the member store mobile terminal, the participating store uses the mobile banking service from the member store mobile terminal to transfer the amount to be paid to the account designated by the user in step 214. Send money electronically.

FIG. 4 is a flow chart showing steps for a user to make a return remittance. According to drawing S301, in step 311, the platform provides a remittance instruction for return to the user's mobile terminal before the return date.

In step 312, the user makes an electronic remittance based on the remittance instruction by the return date, and notifies the platform of the remittance completion.

According to drawing S302, in step 313, the member store confirms the refunded deposit in the designated account and notifies the platform of the receipt, the memorandum in the money sharing transaction is terminated, and the user balance in the transaction balance database is subtracted. Saved.

The money sharing method according to the present invention will be described with reference to examples. In the first embodiment, when the applicant applies for membership online, the platform provides a registration input interface on the applicant's mobile terminal, conducts assessment and admission screening based on the data entered by the applicant, will become a member upon approval, and the platform will provide an ID and authorization code. The member can use the provided ID and authentication code to conduct online money sharing transactions.

The above-mentioned user assessment is the maximum amount line that can be used for each user in a money sharing transaction, and is the maximum amount of risk that the member store that provides funds bears if the user fails to return.

The users can use money sharing transactions according to their own financial needs. The platform provides a memorandum input interface to the user's mobile terminal, and the user inputs an ID, an authentication code, a usage amount and a refund date, receives security authentication from the platform, and proceeds to conclude a memorandum.

The platform will check the entered data, and if there is an error, provide the memorandum entry interface again to the user's mobile terminal to prompt re-entry. The user can choose whether or not to re-enter. If the user does not re-enter, it is assumed that the user has no intention of using the money sharing transaction, and the user is automatically logged out after the set time elapses. If the user re-inputs and the content is normal, the input is returned to the valid range and the memorandum of understanding for the money sharing transaction is concluded. If the contract is concluded, the user can obtain the amount of money required by the current money sharing transaction.

If the user's input is correct, the platform will send an electronically signed memorandum to the user's mobile terminal. After the user confirms the usage amount and refund date and taps the charge registration button, the signed memorandum will be sent to the platform. It is stored in the storage mail database and provides the current remittance instructions to the mobile terminal of the merchant, and the said merchant makes the remittance according to the current remittance instructions and notifies the platform of the completion of the remittance.

The said merchant who obtained the remittance instruction authenticates the agreement to the money sharing memorandum by making the current remittance, at the same time the memorandum is validated, and the money sharing transaction is completed by sending the remittance completion notification to the platform. is established, and the user's balance in the transaction balance database is added and stored.

When the user terminates the money sharing transaction, the platform will provide the remittance instruction for return to the user's mobile terminal before the return date, and the user will remit according to the remittance instruction before the return date. Notify the platform of completion notification. When the member store confirms the payment of the refund amount and notifies the platform of the payment confirmation, the money sharing transaction and the memorandum are terminated, and the user's balance in the transaction balance database is subtracted and stored.

A second embodiment will be described below.
If the user registers as a member after being assessed, receives an ID and authentication code, the platform provides a memorandum input interface, enters the ID, authentication code, usage amount and return date and concludes an electronically signed memorandum. After receiving the authentication, the required funds can be received from the merchant.

Next, the user's usage amount in the money sharing transaction is compared with the evaluation of the platform. The judgment is based on the following methods.
1: Comparing the usage amount of the user in the money sharing transaction with the appraisal of the platform, and if the usage amount of the user is higher than the appraisal of the platform, the platform will not accept the usage amount of the user.
2: If the user's spending amount is lower than the platform's appraisal, the platform accepts the user's spending amount.
3: If said user's spending amount equals the platform's appraisal, the platform accepts said user's spending amount for money sharing transactions.

When the platform accepts the user's usage amount, the platform determines whether the usage amount exceeds the user's assessment, and if it does not exceed the user's assessment, the usage amount is valid. Assuming that the user's money sharing transaction is concluded. Therefore, the user can acquire the usage amount in the current money sharing transaction.

A third embodiment will be described below.
Update appraisal is a basic appraisal performed by the platform, and it is not a credit based on the user's past, but an appraisal that reflects the results of money sharing transactions used by the user each period. This is called a spontaneous assessment.

If a certain user is a sleep user whose purpose is simply to register as a member on the platform, no money sharing transaction based on the assessment is required, so the addition in the assessment of the user remains zero. . The user's rating increases with the number of times the money sharing transaction is used. Therefore, the amount of money available to the user is naturally generated and increased at each money sharing transaction.

The said user has no demand for money sharing transactions, but by continuing to pay the community membership fee, assessments can be accumulated, and the usage amount can be increased every n times. According to the procedure of the money sharing transaction, the user can obtain the accumulated usage amount based on the assessment even if it is the first usage, if the usage amount is equal to the assessment amount or if the usage amount is lower.

The cumulative calculation formula for assessment will be described below.
Basic amount x Cumulative common benefit membership fee payment n times x (Number of due refunds performed / Cumulative refund n times) ≥ Free cash flow amount of accounts receivable held ≥ Usage amount (common benefit membership fee - platform operating cost) - uncollected fund processing fee = dividend Funds × (Amount underwritten by merchants / Total amount of money sharing transactions concluded) = Dividend amount

A fourth embodiment will be described below.
The valuation in the aforementioned platform is an active process, calculated in the cumulative formula in the platform. The assessment is based on variables such as the basic amount, the number of payments of common-use membership fees, the rate of fulfillment of due dates, and the amount of future cash flow.

In addition, not only is the amount of money that can be used by each user assessed according to the number of uses, but the change in the flow of funds in money sharing transactions goes through an active process, resulting in a huge amount of inflow and outflow mainly due to the increase and decrease of members. Based on that, the basic amount of the money sharing transaction that is concluded and the common benefit membership fee will also change, and the assessment at that time will be updated.

As can be seen from the above, the money sharing method built in the network and performed online on the platform and its platform have the following features.
1: Members can enjoy the opportunity to contact users and member stores quickly, efficiently, and in large numbers using their mobile terminals. The platform according to the present invention enables an existing bank or the like to become a member store and manage surplus funds easily at low cost, and also allows the platform and accounts to be linked. When a commercial and industrial organization joins, the user can conduct money sharing transactions with the member companies of the commercial and industrial organization according to their own financial needs. By creating opportunities for users and member stores to contact each other quickly, efficiently, and in large numbers, the platform will bring users and member stores together and eliminate the sense of distance. In other words, a favorable state of direct financing can be achieved without the need for an intermediary.
2: With indirect financing by banks, users could not see the credit situation, but this invention can efficiently reflect the supply situation of member stores and the user's demand for funds on the platform. The present invention builds dialogue in fund transactions between users and member stores. The method in which the user continuously inputs the usage amount brings about a dialogue on the price of funds with the member store, and it is possible to reflect the supply situation of the member store and the user's demand for funds in the assessment. You can find a balance of value on both sides.
3: Can provide users with money-sharing transactions of non-claimable funds. Conventional financial services strengthen claims such as interest and collateral in order to hedge the risks of fund suppliers, resulting in losses for those demanding funds and definite profits for the providers of funds. According to the report, by virtualizing members, funds, contracts, remittances and transaction information through the platform, money sharing transactions do not create risks or limit risks. If the risk is equal to or less than that, the funds can be used as non-claimable funds as a fair money sharing service that assesses the future without hedging the risks that require enormous costs and time to be caught in the past. .
4: Compared to the past, it is possible to reduce the SG&A expenses incurred in the process of providing services and improve the management efficiency of member stores. In other words, the present invention utilizes the characteristics of cashless, Internet and mobile terminals to increase opportunities for direct transactions between users and merchants. By allowing users and merchants to transact directly through the platform, parties to the transaction can conduct money sharing transactions on mobile devices, thereby minimizing the SG&A expenses incurred in the process of money sharing transactions. zero, and improve the operational efficiency of the platform.
5: This invention can create a huge funding and demand platform. That is, it is possible to simplify and reflect the fundraising between the user and the member store, and to embody the virtual world of the Internet in the fundraising.
6: It can provide a convenient, accurate, safe, real-time money sharing transaction and reliable and easy remittance environment. That is, most companies can be applied as merchants, and the degree of acceptance of direct financial products in the market can be greatly enhanced.

The above are specific examples of the present invention, and are not intended to limit the scope of implementation of the present invention. Therefore, anything done under the spirit of this invention and having equivalent effects to this invention is intended to be included in the claims of this invention.

1 is a flow chart showing the steps of a method for money sharing on a platform in accordance with the present invention; 4 is a flow chart showing the steps of registering as a member on the platform in the present invention; 4 is a flow chart showing the steps of concluding a money sharing transaction in the present invention; 10 is a flow chart showing steps in the present invention for a user to receive a remittance instruction before the due date for repayment, remit money to a designated account of a member store, and the member store to confirm receipt of money. In this invention, it is a list of the authentication ID database which records member's registration data. In the present invention, it is a list of the transaction balance database for calculating the member's transaction balance 1 is a block diagram showing the structure of the platform of the invention; FIG.

S411 User mobile terminal registered on the platform S412 Merchant mobile terminal registered on the platform S413 Platform for members to conduct money sharing transactions S414 Cloud server S415 Transaction balance database for calculating user transaction balance S416 Member ID data My page database S417 to store the signed memorandum and to send remittance instructions Storage mail database S418 Authentication ID database to authenticate the ID and authentication code for each member

Claims (10)

A platform built on a network and conducting direct money sharing transactions online,
a platform built on a network by a platform provider;
Mobile terminals of users and merchants operated by users and merchants for inputting information necessary for money sharing transactions and using money sharing transactions through the platform;
The platform pre-calculates and assesses the basic usage amount of money sharing transactions based on the applicant registration data input from the user mobile terminal, provides the applicant with an ID and an authentication code as a member, and the platform proceed with money sharing transactions in
The platform electronically signs a money sharing transaction memorandum based on the data input from the user's mobile terminal, sends it to the user's terminal, stores it in a storage mail database, and performs money sharing on the platform. proceed with the transaction,
In addition, the platform provides a remittance instruction (hereinafter referred to as "remittance instruction") describing items to be paid based on the memorandum in a one-time format to the member store mobile terminal,
By making a remittance to be paid by the merchant, the merchant's memorandum is authenticated, the memorandum is validated and put into effect, the user balance in the transaction balance database is added and stored, and the platform Conclude and proceed with money sharing transactions,
The platform provides a remittance instruction for return to the user mobile terminal before the return date based on the memorandum,
The user makes a return remittance to be paid, and the member store confirms the return payment and notifies the platform of the payment confirmation, so that the platform subtracts and stores the user balance in the transaction balance database, terminate money sharing transactions and memorandums of understanding on the Platform;
Furthermore, in the settlement of money sharing transactions on the platform, the dividend amount is calculated based on the cumulative underwriting amount of the money sharing transactions of the affiliated store, using the surplus after processing operating expenses and uncollected funds from the common benefit membership fee. , a money sharing platform program characterized by remittance of dividends to member stores and provision of income and expenditure statements for each member to the member's mobile terminal. A platform built on a network and conducting direct money sharing transactions online,
a platform built on a network by a platform provider;
Mobile terminals of users and merchants operated by users and merchants for inputting information necessary for money sharing transactions and using money sharing transactions through the platform;
The platform pre-calculates the basic usage amount of the money sharing transaction based on the applicant's registration data input from the user's mobile terminal, registers the applicant as a member, and proceeds with the money sharing transaction on the platform. let
a cloud server that preliminarily calculates and assesses the basic amount that the user can use in a money sharing transaction, and proceeds with the remittance to be paid by the member store and the user based on the result of the money sharing transaction;
an authentication ID database that stores member information obtained by the cloud server that is connected to the cloud server and progressed on the platform and that is used as a basis for member authentication;
a My Page database for displaying user and member store data related to money sharing transactions conducted on the platform by connecting to the cloud server with the mobile terminals of users and member stores;
a transaction balance database connected to the cloud server and storing transaction balance history data of users related to money sharing transactions progressed on the platform;
Connect to the cloud server to send the memorandum of understanding of money sharing transactions that have been processed on the platform to the user mobile terminal, store it in a storage mail database, and send remittance instructions to the user and merchant mobile terminals. A money sharing program comprising: a stored mail database that provides; A money sharing transaction method using the platform according to claim 1 or 2,
a step of registering users and merchants as members of the platform through a network;
a cloud server of the platform provides a memorandum input interface for the user, and the user fills in the memorandum dedicated input form online, thereby allowing the platform to proceed with the user's money sharing transaction;
the platform sends a memorandum of understanding of the money sharing transaction to the stored mail database and the user's mobile terminal;
If the memorandum is normal, provide a remittance instruction to the mobile terminal of the merchant to proceed with the remittance;
a step of connecting to the cloud server and adding and storing a user balance in a transaction balance database relating to money sharing transactions that have progressed on the platform;
The cloud server of the platform provides a remittance instruction to the user's mobile terminal before the return date based on the money sharing transaction, and the user proceeds with the remittance by the return date;
a step of connecting to the cloud server and subtracting and storing the user's transaction balance in a transaction balance database related to the money sharing transaction that has been progressed on the platform when the platform receives a refund payment confirmation notification from the member store; ,
In the settlement of money sharing transactions on the platform, the dividend amount is calculated based on the cumulative underwriting amount of the money sharing transactions of the merchants, using the common benefit membership fees, operating expenses, and surpluses from non-performance of refunds as the basic funds. ,
a step of remittance of dividends to a member store and providing a statement of income and expenditure for each member to the member's mobile terminal;
The additional amount that the previous user can use next time is calculated and assessed based on the cumulative number of money sharing transactions each time the money sharing transaction is completed, and the user can use the added amount according to their own needs. and said platform updating valuations as such. The step of member registration for the users and merchants is that the platform provides a registration input interface on the applicant's mobile terminal, and the applicant inputs mobile phone number, authentication code, email address, personal information, and Apply for registration by attaching documents, the platform pre-calculates the applicant's basic usage amount, authenticates the membership, and completes the registration; and the platform provides the applicant with a member ID and authentication code. 4. The method of money sharing according to claim 3, comprising the steps of: providing In the step of inputting by the user in the conclusion of the memorandum, the user inputs the ID, authentication code, usage amount and return date from the memorandum dedicated input form provided to the user's mobile terminal by the platform. certify the intention of the party to conclude a memorandum of understanding in the money sharing transaction,
If the user does not enter the information, the user is deemed to have no intention of conducting the money sharing transaction, and the user is automatically logged out after the set period of time has elapsed.
When inputting, the platform sends an electronically signed memorandum based on the user's ID to the user terminal device, stores it in the storage mail database of the platform, and remittance based on the memorandum of understanding of the merchant mobile terminal 4. A method of money sharing according to claim 3, comprising the step of providing instructions to facilitate the money sharing transaction. In the step of allowing the user to choose whether or not to re-enter the memorandum by providing a memorandum input interface for the user's mobile terminal to re-enter the memorandum if the memorandum contains an error;
If the user does not enter the information, it is assumed that the user has no intention of conducting the money sharing transaction, and the user is automatically logged out after the set time has elapsed.
6. A method of money sharing according to claims 3 and 5, characterized in that if said user re-enters, it comprises returning to the step of re-entering said note entry interface. In the step of proceeding with the remittance to the member store, the platform performs one-time remittance in which items such as the amount to be paid by the member store, account information designated by the user, and consent to the memorandum of understanding of the user are described. providing instructions to the merchant mobile terminal;
certify the member store's consent to conclude a memorandum of understanding by remittance based on the remittance instruction;
Validate and bring into force said Memorandum of Understanding;
When the merchant sends an electronic remittance receipt to the platform, and the platform authenticates the remittance completion, the user's balance in the transaction balance database of the cloud server is added and stored, and the money sharing transaction is established. 4. The method of money sharing according to claim 3, characterized in that: In the step of proceeding with the user's return remittance, the cloud server of the platform provides a remittance instruction based on the memorandum to the user's mobile terminal;
The user makes a return remittance based on the remittance instruction, the member store confirms the returned payment, sends a refund payment notification to the platform, and terminates the memorandum;
The money sharing method according to claim 3, wherein the platform subtracts and stores the user balance in the transaction balance database based on the refund notification, and terminates the money sharing transaction. In the step of causing the member store to proceed with the dividend remittance in settlement of the money sharing transaction, the platform causes the member store mobile terminal to calculate the balance of each member store in the money sharing transaction and generate a statement of income and expenditure. and calculate the dividend amount based on the money sharing underwriting amount of the member store, using the surplus after processing the operating expenses and uncollected funds from the common benefit membership fee income of the platform, and remit the dividend to the member store. 4. A method of money sharing as claimed in claim 3, characterized in that performing comprises facilitating the merchant's risk hedging and revenue. in the step of said platform updating an assessment amount available for each termination of said user's money sharing transaction, wherein said platform updates an additional amount available next time for each termination of said user's money sharing transaction to said usage; calculating and assessing according to the cumulative number of money sharing transactions of a person, and allowing the user to use the amount added according to their own demand, so that the user's return in the money sharing transaction functions; 4. The method of money sharing according to claim 3, characterized by comprising:

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