JP7437806B2 - Smart installment sales system and method for selling products in cooperation with funeral support services - Google Patents

Description

The present invention enables funeral support services and a certain product to be combined into one package and sold at the same time, thereby easing the economic burden on transactions for both the supplier and the purchaser of the product combined with the funeral support service. The present invention relates to a smart installment sales system and method that allows transactions to be made.

2. Description of the Related Art As information and communication technology develops, the market size of online mail order sales, where various services and products are advertised and purchased through the Internet, is rapidly expanding. Among the services sold by mail order, in cases where the timing of the service is not determined at the time of contract, such as funeral support services and wedding services, there are overwhelmingly many long-term installment sales lasting from several years to several decades.

On the other hand, among the products sold by mail order, even furniture such as beds and massage chairs, and large home appliances such as refrigerators, washing machines, televisions, copiers, and water purifiers are expensive, ranging from several months to several tens of months. Products are often traded using short-term installment sales services spanning months.

Looking at the structure of conventional installment sales services, in the case of companies that focus on long-term installment sales, such as funeral support services, the disadvantage is that they have to spend huge amounts of advertising money on public relations, which inevitably leads to a decline in the quality of their services. However, for small and medium-sized enterprises that provide short-term installment sales services, it is difficult to operate installment sales services because it is difficult to solve the problem of funding liquidity until the time of payment collection due to installment payments after product supply. was the reality.

In order to solve these problems, as shown in Korean Patent No. 10-1387417 (registered on April 15, 2014), when operating a shopping mall in the form of an online open market, businesses entering the shopping mall Individuals and small and medium-sized enterprises can more easily establish an open market shopping mall by auctioning off a portion of the equity in the sales commissions that the shopping mall receives before selling products to secure operating funds in advance. Proposals were proposed to enable the operation of the system, but there were many issues that were insufficient to solve the problem of small and medium-sized enterprises securing liquidity through installment sales.

Korean registered patent No. 10-1387417

In order to solve the above problems, the smart installment sales system and method for selling products in cooperation with the funeral support service according to the present invention was proposed against the above background, and the seller Short-term installment products (hereinafter referred to as linked products) and long-term installment services (for example, funeral support services) are linked together and advertised and sold as one packaged product, and funeral support service providers offer consumers the equivalent of short-term installments. By supporting the smart installment service provider with installment support funds, the actual purchase burden on consumers will be reduced, even if there is no substantial change in marketing costs and sales profit margins for smart installment service providers, and sales of linked products and funeral support services will be reduced. The purpose is to provide a smart installment sales system and method that can promote both.

Further, the smart installment sales system and method for selling products in cooperation with a funeral support service according to the present invention is such that a smart installment service provider can sell a certain product in cooperation with a funeral support service. The purpose of the present invention is to provide a smart installment sales system and method that can act on behalf of sales for support services and receive sales commissions from providers of funeral support services.

In addition, the smart installment sales system and method for selling products in cooperation with funeral support services according to the present invention can reduce the purchase cost of linked products through installment support funds associated with the purchase of funeral support services. The purpose of the present invention is to provide a smart installment sales system and method that can minimize the burden of costs on consumers when purchasing services and products.

Furthermore, the smart installment sales system and method for selling products in cooperation with the funeral support service according to the present invention allows the provider of the smart installment service to pay for the linked products in advance through a credit provider or financial company. The purpose of the present invention is to provide a smart installment sales system and method that are very advantageous in securing fund liquidity.

In addition, the smart installment sales system and method for selling products in cooperation with the funeral support service according to the present invention can be used by consumers, service providers, and product providers in shopping using networks such as mail order and Internet shopping. The purpose is to provide a smart installment sales system and method that can satisfy both of the following.

To achieve the above object, a smart installment sales system according to an embodiment of the present invention provides a smart installment sales system that connects at least one consumer terminal, a server of a funeral support service provider, and a financial institution server. A smart installment sales system including a provider's server, the smart installment sales service provider's server comprising:
a storage unit for storing predetermined information necessary to sell collaborative products of the smart installment service provider and funeral support services of the funeral support service provider; the consumer terminal and the funeral support service; a communication unit for performing voice and/or data communication with the provider's server and the financial institution server; a control unit for controlling communication with the terminal and the server and executing processing on the information in the storage unit; and an input/output unit for inputting and outputting the information,
The storage unit includes cooperative sales contract information including consumer information, information regarding orders and installment payments for the cooperative products, information regarding the delivery of the cooperative products, and installment support provided to consumers by funeral support service providers. Information about money is stored.

In addition, the storage unit of the smart installment sales system further stores sales commission information received from the server of the funeral support service provider.

Meanwhile, in order to achieve the above purpose, the smart installment service method executed on the smart installment service provider server of the smart installment sales system includes: concluding a cooperative sales contract with the consumer terminal; a step of storing information; a step of providing contract information of the funeral support service among the cooperative sales contract information to a server of the provider of the funeral support service; a step of saving delivery information of the cooperative product; The method includes a step of storing support service provision information.

The method further includes storing payment information for the smart installment service including a short-term installment for the linked product and a long-term installment for the funeral support service.

Further, the smart installment payment information includes information such as the delivery period and payment amount of the short-term installment and the long-term installment, and the delivery period is such that the consumer pays the short-term installment and the long-term installment. It is divided into the first period (T1) in which the consumer pays the above-mentioned long-term installment at the same time, and the latter period (T2) in which only the long-term installment is paid. The monthly payment amount is the same as the monthly payment amount of the long-term installment paid by the consumer during the latter period (T2).

Furthermore, the smart installment payment information includes the deposit amount information of the linked product received from the financial institution server, and the one-time payment amount included in the entered amount information is the total amount of the linked product (i.e., the short-term This is the amount obtained by subtracting the fees charged by the financial institution from the amount obtained by multiplying the installment service period by the installment service period.

Further, according to an embodiment of the present invention, the step of storing the smart installment payment information may include the step of storing the smart installment payment information, in which the smart installment service provider receives the money deposited monthly from the consumer and sends the payment information to the financial institution every month. The method includes storing information related to the short-term installment to be paid; and storing information on a receivable transfer amount to be paid in a lump sum from the financial institution.

Further, according to an embodiment of the present invention, the step of storing the smart installment payment information may include the step of storing the smart installment payment information when the financial institution receives monthly deposits from the consumer and stores the related information of the short-term installment payment. and a step in which the provider of the smart installment service saves price information of the linked product that is paid in one lump sum by the financial institution.

Further, according to an embodiment of the present invention, the step of storing the smart installment payment information may include the step of storing the smart installment payment information when the financial institution receives the money deposited monthly from the consumer, and storing information related to the long-term installments that are paid monthly.

According to an embodiment of the present invention, the step of storing smart installment payment information may include storing information related to the long-term installments that the funeral support service provider receives directly from the consumer on a monthly basis. including the step of preserving.

Further, the step of storing the smart installment delivery information includes the short-term installment payment that the funeral support service provider returns to the consumer at the expiration of the funeral support service contract included in the cooperative sales contract information. and storing information related to the information.

Further, the step of storing the smart installment delivery information includes the step of saving the long-term installment payment information that the funeral support service provider returns to the consumer at the expiration of the funeral support service contract included in the collaborative sales contract information. The method further includes storing information related to the information.

According to the smart installment sales system and method for selling products in conjunction with funeral support services according to the present invention, a seller can advertise and sell short-term installment service products and funeral support services as one packaged product in conjunction with each other. However, by allowing funeral support service providers to support consumers with installment support payments equivalent to short-term installment payments, there will be no substantial change in marketing costs and sales margins for smart installment service providers. However, the actual purchasing burden on consumers will be reduced, and sales of both linked products and funeral support services can be promoted.

Further, according to the smart installment sales system and method for selling products in cooperation with funeral support services according to the present invention, by selling cooperative products and funeral support services in cooperation with each other, smart installment service providers can act as a sales agent for funeral support services and receive sales commissions from funeral support service providers.

Furthermore, according to the smart installment sales system and method for selling products in cooperation with a funeral support service according to the present invention, it is possible to reduce the purchase cost of linked products through the installment support money associated with the purchase of the funeral support service. This allows us to minimize the cost burden associated with purchasing services and products. In other words, when the funeral support service contract expires, the consumer is paid a predetermined installment support amount equivalent to the purchase price of the linked product, so that in the end, the consumer can purchase the funeral support service and the linked product at a low price at the same time. .

Furthermore, according to the smart installment sales system and method for selling products in cooperation with funeral support services according to the present invention, by paying in advance for the linked products through a credit provider or financial company, the smart installment service This is extremely advantageous for providers to secure funding liquidity.

Furthermore, according to the smart installment sales system and method for selling products in cooperation with funeral support services according to the present invention, in shopping using networks such as mail order and internet shopping, the relationship between consumers and funeral support services can be improved. Both the provider and the packaged product seller can be satisfied.

1 is a configuration diagram of a smart installment sales system in which a funeral support service and linked products are linked according to a first embodiment of the present invention.

FIG. 2 is a configuration diagram of a smart installment sales system in which a funeral support service and linked products are linked according to a second embodiment of the present invention.

FIG. 7 is a configuration diagram of a smart installment sales system in which a funeral support service and linked products are linked according to a third embodiment of the present invention.

2 is a flowchart of a smart installment service method executed by a smart installment service provider terminal of the smart installment sales system according to the present invention.

FIG. 2 is a configuration diagram of a smart installment service provider terminal of the smart installment sales system according to the present invention.

In the following, the invention will be explained with reference to the accompanying drawings. However, this invention may be embodied in several different forms and is therefore not limited to the embodiments described herein.

Throughout this specification, when we say that a part is "connected, connected or coupled" to another part, this does not mean only that it is "directly coupled, connected or coupled" to another part, but also that there is a part in between. This also includes cases in which they are "indirectly connected, connected, or combined" with other members in between. Further, when we say that a part "includes" a certain component, this does not mean that it excludes other components, and that it can also include other components, unless specifically stated to the contrary. do.

The main terms used in this specification are defined as follows.

1. "Short-term installment service contract" refers to a contract in which the price for products or services is paid in three or more installments over a period of two months or more, regardless of the name or form of the contract. This refers to a contract in which goods are supplied or services are provided prior to full payment, and excludes "prepaid installment service contracts." This is the same concept as the ``installment service contract'' in the Republic of Korea's ``Act on Installment Transactions''.

2. "Long-term installment service contract" refers to a contract in which a consumer receives a contract from a business operator for services for ceremonial occasions such as funerals or weddings, and related products (hereinafter referred to as A contract in which the payment for funeral support services (referred to as "funeral support services") is paid in two or more installments over a period of two months or more, and the supply of funeral support services is to be received after all or part of the payment has been paid. . This is the same concept as the ``prepaid installment service contract'' under the ``Act on Installment Transactions''.

3. "Consumer" means a person who uses or utilizes products provided under a short-term installment service contract or a long-term installment service contract for consumer life, or a person who transacts in the same status and transaction conditions.

4. "Instalment financing" refers to a contract for the purchase and sale of goods and services in which a credit provider enters into an agreement with a seller and a buyer, provides the seller with funds to purchase the goods and services financed by the buyer, and then receives payment from the buyer. An example of a type of finance in which principal and interest are repaid in installments is credit card installment payment.

5. "Financial institution" generally refers to credit providers such as credit card companies and credit financial institutions such as financial companies that carry out receivables transfer and transfer operations.

Hereinafter, the present invention will be described in detail through various embodiments of the present invention.

FIG. 1 is a configuration diagram of a smart installment sales system that links a funeral support service and linked products according to a first embodiment of the present invention. The smart installment sales system shown in Figure 1 is characterized by the payment of long and short-term installments by credit providers.

Figure 1 shows that a smart installment service provider (20) (including the computers and communication terminals used by the smart installment service provider) and a consumer (10) (including the computers and communication terminals used by the consumer) ), the smart installment service provider (20) (including computers and communication terminals used by the smart installment service provider) combines the sale of the linked product with the sale of the funeral support service. It is a structure.

Smart installment service providers combine with funeral support service providers (30) (including computers and communication terminals used by funeral support service providers) to produce linked products, that is, products linked with funeral support services. and funeral support services are sold in installments to the same consumer as a single packaged product.

The structure of the smart installment service in Figure 1 is such that a smart installment service provider (20) sells its own linked products in short-term installments, and also sells services for funeral support services on behalf of a funeral support service provider (30). The smart installment service provider (20) and the funeral support service provider (30) perform some or all of the processes necessary to conclude a long-term installment service contract (e.g., credit check, conclusion of an installment contract), and the smart installment service provider (20) and the funeral support service provider (30) Depending on the conclusion of each installment contract, we will provide benefits that are contrary to the installment service contract, such as providing linked products and funeral support services.

Here, the smart installment service contract is a combination of a short-term installment service contract and a long-term installment service contract, and means an installment contract in which each contract is concluded at the same time.

Preferably, the smart installment service provider (20) handles the entire process of the long-term installment service contract for the funeral support service provider (30) and concludes the short-term installment service contract for the linked product with the consumer (10). and enter into long-term installment service contracts for funeral support services. In this case, the smart installment service provider (20) provides the funeral support service provider (30) with the funeral support service installment contract information included in the smart installment service contract, and provides the funeral support service. .

In contrast, smart installment service providers (20) enter into short-term installment service contracts for linked products, which are basically their own products, while consumers agree to long-term installment service contracts for funeral support services. After requesting only the consent information, the consent information can be communicated to the funeral support service provider (30). In such a case, the funeral support service provider (30) will separately contact the consumer (10) and conclude a separate long-term installment service contract for the funeral support service.

Basically, the conclusion of a smart installment service contract includes both the conclusion of a short-term installment service contract for linked products and the conclusion of a long-term installment service contract for funeral support services. includes the stamping of the installment contract for the linked product and the installment contract for the funeral support service (or conclusion of an electronic contract), the payment of the first installment of the linked product, and the first installment of the funeral support service. .

However, as an exception, if the smart installment service contract includes not only the conclusion of a short-term installment service contract for linked products but also consent to a long-term installment service contract for funeral support services, stamping of the linked product installment contract (or Contains consent information for electronic contract conclusion), first installment payment for linked products, and long-term installment service contract for funeral support services. In such a case, the smart installment service provider (20) only confirms the consumer's (10) intention to purchase the funeral support service, notifies the funeral support service provider (30) of this, and After the provider (30) separately completes contract procedures such as consumer credit inquiries and concludes a long-term installment service contract for funeral support services in the packaged product, the smart installment service provider (20) ).

Therefore, in the present invention, the proceeding entity for conclusion of a long-term installment service contract may be the smart installment service provider (20), the funeral support service provider (30), or the funeral support service provider (30). (30) and the smart installment service provider (20) mutually cooperate to form one packaged product, and the funeral support service provider (30) asks the consumer (10) to purchase the linked product. There is no difference in that it motivates the consumer (10) to purchase by providing an economic benefit for the purchase.

Here, the economic benefit provided by the funeral support service provider (30) to the consumer (10) is, for example, the short-term installment paid by the consumer (10) at the expiration of the funeral support service contract and the The long-term installment is provided in such a way that the funeral support service provider (30) repays the entire amount to the consumer (10).

In addition, during the installment service period of the linked product, the payment amount of the funeral support service installment will be reduced to the minimum amount, and after the installment service period of the linked product has passed, the installment service contract will be made in such a way that the funeral support service installment will be increased. By mutually adjusting to conclude the above, the consumer (10) can pay the installment at a constant rate during the entire period.

In particular, in the smart installment service contract, the installment of the smart installment service contract that integrates short-term installments for linked products and long-term installments for funeral support services may be freely configured in the ratio of short-term installments to long-term installments. Can be done. For example, if the total payment period is 200 months in installments of 30,000 won each month, the consumer is obligated to pay a total of 6 million won in installments for 200 months. At that time, the monthly installment of 30,000 won that the consumer pays is a short-term installment payment (i.e., the total short-term installment = 600,000 won) from the 1st to the 20th installment after the cooperative sales contract. The 21st to 200th installments after the installment payment expires can be categorized as long-term installment payments for funeral support services (that is, the total long-term installment = 5.4 million won). On the other hand, from the 1st to 30th contract, you will have to pay a short-term installment of 20,000 won and a long-term installment of 10,000 won, and from the 31st to 200th, you will have to pay a long-term installment of 30,000 won. A system can also be adopted. Even in this case, the total amount of short-term installments is 600,000 won, and the total amount of long-term installments is the same as 5.4 million won.

The above-mentioned long and short-term installment amounts and delivery periods are merely examples to aid understanding. Smart installment service providers can mutually negotiate and design installment conditions in a variety of ways.

Hereinafter, the specific progress of the smart installment service contract will be explained in detail with reference to FIG.

First, the smart installment service provider (20) advertises and publicizes packaged products related to the smart installment service using media such as mail-order broadcasts and Internet shopping malls (S110), and the consumer (10) Accordingly, a smart installment service contract is concluded to order a package product that combines the cooperative product and the funeral support service (S120). In order to enter into a smart installment service contract with the consumer (10), the smart installment service provider (20) contacts the consumer (10) via an internal or external inquiry center (not shown). The consumer (10) then proceeds with the process of concluding a contract, including making a credit inquiry to the consumer (10).

In order to conclude and manage a smart installment service contract, procedures such as consumer (10) credit inquiries, contract conclusion progress, and installment delivery management after contract conclusion must be completed. In addition to the ability to manufacture and deliver linked products, the provider (20) must also have systems and software that can carry out the process and related know-how.

When the smart installment service contract is concluded, the smart installment service provider (20) provides smart installment service contract information to the funeral support service provider (30) (S130), and the funeral support service provider (30) 30) will be able to provide funeral support services to the consumer (10) in the future (S150).

Meanwhile, in accordance with the smart installment service contract concluded between the consumer (10) and the smart installment service provider (20), the consumer (10) pays the short-term installment and long-term installment with a credit card. I will do it. The smart installment payment period is divided into an early period (T1) in which both short-term and long-term installments are paid, and a latter period (T2) in which only long-term installments are paid. In FIG. 1, the stages related to monetary transactions are indicated by dotted lines.

In order to assist the consumer (10) in paying short-term installments through credit card payment during the first period (T1), the smart installment service provider (20) sends a credit provider (40), which is a credit card company, to the credit provider (40). ), and the consumer (10) who settles the short-term allotment for term _T1 (Short-term Allotment for term T1) with a credit card, pays the short-term installment every month to the credit provider. (40) receives (S160), the credit provider (40) gives the smart installment service provider (20) short-term installments (excluding the credit provider's fees) (A _ST1' ) in monthly installments. The total installment amount (A _ST1' ×M _T1 ) multiplied by Months for term T1 is paid in one lump sum (S170).

In addition, the credit provider (40) and the funeral support service provider (30) also entered into a pre-agreement agreement for monthly payments, and settled the long-term installment ( _ALT1 ) (Long-term Allotment for term T1) with a credit card. After the credit provider (40) receives the long-term installment that the consumer (10) pays every month (S160), the amount ( _ALT1' ) excluding the predetermined credit provider's fee is paid monthly to the funeral support service. Payment is made to the provider (30) (S180).

On the other hand, during the latter period (T2), there is no short-term installment payment by the consumer (10). The consumer (10) pays the long-term installment ( _ALT2 ) (Long-term Allotment for term T2), which has increased in amount compared to the previous term (T1), by credit card payment every month (S160), and the credit provider ( 40) pays the funeral support service provider (30) the amount (A _LT2' ) excluding the predetermined credit provider's fee every month (S180). Here, the monthly smart installment amount (A _LT1 +A _ST1 ) paid by the consumer (10) during the first period (T1) is equal to the monthly smart installment amount paid by the consumer during the second period (T2). Designing the amount ( _ALT2 ) to be the same as the consumer (10) so that the consumer (10) pays a fixed monthly payment amount over the entire period is a marketing aspect of the packaged product and the payment of the consumer (10). This is also preferable in terms of reducing the burden.

The smart installment service provider (20) purchases and manufactures a large amount of linked products using the total amount of installments (A _ST1' × M _T1 ) received in a lump sum from the credit provider (40) in the previous period (T1). Alternatively, the product can be manufactured on contract and shipped to the consumer (10) (S140).

Finally, when the funeral support service contract, which is a long-term installment service contract, expires without the consumer (10) using the funeral support service, the funeral support service provider (30) and the total amount of short-term and long-term installments (A _LT1 +A _LT2 +A _ST1 ) _TOTAL paid by the consumer (10) over the later period (T2) to the consumer (10), whereby the consumer (10) You will get the effect of acquiring linked products for free. In other words, the total amount of short-term installments paid by the consumer (10) to the smart installment service provider (20) via the credit provider (40) is used as installment support money for the linked product, and the funeral support service provider ( 30) returns it to the consumer (10), the consumer (10) gains the benefit of acquiring the linked product for free.

Here, the funeral support service provider (30) refunds to the consumer (10) the _total amount (A _LT1 '+A _LT2 '+A _ST1 ') excluding the fee paid to the credit provider (40). However, considering the marketing aspect of the packaged product and the aspect of reducing the payment burden on the consumer (10), the total amount of smart installments paid by the consumer (10) so far (A _LT1 +A _LT2 +A _ST1 ) _TOTAL It is preferable to refund the entire amount.

On the other hand, each component (10, 20, 30, 40) in FIG. 1 means each entity that is part of a business model, and is a concept that includes computers and/or communication terminals operated by each entity. Here, "terminal" includes all computer terminals, PCs, servers, telephones, etc. that can be used for data processing, storage, management and wired/wireless communication related to the implementation of the present invention, and includes funeral support service providers, In the case of smart installment service providers and financial companies, it is more practical to implement it on a server class computer. Although each component is shown as a single terminal, this is exemplary and it is understood that multiple terminals can be used.

The consumer terminal (10) is a terminal of a consumer who wishes to purchase products or services, and includes a desktop, laptop, smartphone, wearable device, wired telephone, etc. for online shopping and ordering mail-order broadcasting. Includes all communication means such as wireless telephones, and in the case of direct contracts through door-to-door sales or store visits, includes sales staff terminals with functions or applications for inputting consumer information and concluding contracts. Can be done.

FIG. 2 is a configuration diagram of a smart installment sales system in which a funeral support service and linked products are linked according to a second embodiment of the present invention. A feature of the smart installment sales system shown in FIG. 2 is the payment of short-term installments by a credit provider. Below, description of the same configuration as in FIG. 1 will be omitted.

The structure of the smart installment service in Figure 2 is such that a smart installment service provider (20) sells its own linked products using a short-term installment service, and also provides funeral support services on behalf of a funeral support service provider (30). Perform some or all of the processes necessary to conclude a long-term installment service contract for the service (e.g., credit check, conclusion of an installment contract), and provide smart installment service provider (20) and funeral support service provider ( 30) provides counter benefits to the installment contract, such as providing linked products and funeral support services, in accordance with the conclusion of each installment contract.

Preferably, the smart installment service provider (20) handles the entire process of the long-term installment service contract for the funeral support service provider (30) and concludes the short-term installment service contract for the linked product with the consumer (10). and enter into long-term installment service contracts for funeral support services. In this case, the smart installment service provider (20) provides the funeral support service installment contract information included in the smart installment service contract to the funeral support service provider (30) and requests the funeral support service provider (30) to perform the funeral support service provision. Make it.

In contrast, smart installment service providers (20) enter into short-term installment service contracts for linked products, which are basically their own products, while consumers agree to long-term installment service contracts for funeral support services. After obtaining the consent information, the consent information can be communicated to the funeral support service provider (30). In such a case, the funeral support service provider (30) will separately contact the consumer (10) and conclude a separate long-term installment service contract for the funeral support service.

Again, the economic benefits provided by the funeral support service provider (30) to the consumer (10) are, for example, the short-term installments paid to date by the consumer (10) at the expiry of the funeral support service contract and the long-term The installment is provided in such a way that the funeral support service provider (30) repays the entire amount to the consumer (10).

In addition, during the installment service period of the linked product, the payment amount of the funeral support service installment will be reduced to the minimum amount, and after the installment service period of the linked product has passed, the installment contract will be made in such a way that the funeral support service installment will be increased. It is preferable that the consumer (10) pays the installment at a constant rate during the entire term by mutually adjusting to conclude the contract.

Hereinafter, the specific progress of the smart installment service contract according to the second embodiment will be explained in detail with reference to FIG. 2.

First, the smart installment service provider (20) advertises and publicizes packaged products related to the smart installment service using media such as mail-order broadcasts and Internet shopping malls (S210), and the consumer (10) Accordingly, a smart installment service contract is concluded to order a package product that combines the cooperative product and the funeral support service (S220). In order to enter into a smart installment service contract with the consumer (10), the smart installment service provider (20) contacts the consumer (10) via an internal or external inquiry center (not shown). The consumer (10) then proceeds with the process of concluding a contract, including making a credit inquiry to the consumer (10).

When the smart installment service contract is concluded, the smart installment service provider (20) provides smart installment service contract information to the funeral support service provider (30) (S230), and the funeral support service provider (30) 30) will be able to provide funeral support services to the consumer (10) in the future (S250).

On the other hand, according to the smart installment service contract concluded between the consumer (10) and the smart installment service provider (20), the consumer (10) will pay the short-term installment with a credit card. . The smart installment payment period is divided into an early period (T1) in which both short-term and long-term installments are paid, and a latter period (T2) in which only long-term installments are paid. In FIG. 2 as well, stages related to monetary transactions are indicated by dotted lines.

In order to assist the consumer (10) in paying short-term installments through credit card payment during the first period (T1), the smart installment service provider (20) sends a credit provider (40), which is a credit card company, to the credit provider (40). ) in exchange for the credit provider (40) receiving short-term installments paid monthly by the consumer (10) who concludes a pre-arrangement for installment finance and settles the short-term installments ( _AST1 ) with a credit card (S260). , the credit provider (40) provides the smart installment service provider (20) with short-term installments (excluding the credit provider's fees) (A _ST1 ') and the number of installment months (M _T1 ) (Months for term T1). ) is multiplied by the total installment amount (A _ST1 ′×M _T1 ) in one lump sum (S270).

In addition, the consumer (10) pays the long-term installment ( _ALT1 ) directly to the funeral support service provider (30) every month in accordance with the long-term installment payment agreement included in the smart installment service contract ( S280). Direct payment can be made by automatic transfer from the consumer's (10) financial account.

On the other hand, during the second period (T2), there is no short-term installment payment by the consumer (10). The consumer (10) directly pays the long-term installment ( _ALT2 ), which has increased in amount compared to the previous period (T1), to the funeral support service provider (30) every month (S280). Here, too, the monthly smart installment amount (A TL1 +A ST1 ) paid by the consumer (10) during the first period (T1) is equal to the monthly smart installment amount (A _TL1 +A _ST1 ) paid by the consumer during the second period (T2). Designing the product to be the same as _ALT2 ) so that the consumer (10) pays a fixed monthly fee throughout the period would reduce the marketing aspect of the packaged product and the payment burden on the consumer (10). It is also preferable in terms of mitigation.

On the other hand, the smart installment service provider (20) purchases a large amount of linked products using the total amount of installments (A _ST1 ' x M _T1 ) received as a lump-sum payment from the credit provider (40) in the previous period (T1). The product can be manufactured or commissioned and shipped to the consumer (10) (S240).

Finally, when the funeral support service contract, which is a long-term installment service contract, expires without the consumer (10) using the funeral support service, the funeral support service provider (30) and the total amount of short-term and long-term installments ((A _LT1 +A _LT2 +A _ST1 ) _TOTAL paid by the consumer (10) over the later period (T2) to the consumer (10), thereby repaying the consumer (10) will obtain the effect of acquiring the linked product for free.In other words, the total amount of short-term installments paid by the consumer (10) to the smart installment service provider (20) via the credit provider (40) will be When the funeral support service provider (30) returns the installment support money for the linked product to the consumer (10), the consumer (10) gains the benefit of acquiring the linked product for free.

FIG. 3 is a configuration diagram of a smart installment sales system in which a funeral support service and linked products are linked according to a third embodiment of the present invention. The feature of the smart installment sales system shown in Figure 3 is the transfer of short-term installment receivables through a financial company. In the following, descriptions of structures similar to those in FIG. 1 or 2 will be omitted.

The structure of the smart installment service in Figure 3 is such that a smart installment service provider (20) sells its own linked products in short-term installments, and also sells services for funeral support services on behalf of a funeral support service provider (30). The smart installment service provider (20) and the funeral support service provider (30) carry out some or all of the processes necessary for concluding a long-term installment service contract (e.g., credit check, conclusion of an installment contract), and the smart installment service provider (20) and the funeral support service provider (30) each Depending on the conclusion of the installment contract, we will provide benefits that are contrary to the installment contract, such as providing linked products and providing funeral support services.

Preferably, the smart installment service provider (20) handles the entire process of the long-term installment service contract for the funeral support service provider (30) and negotiates the short-term installment service for the linked product with the consumer (10). Conclude contracts and long-term installment service contracts for funeral support services. In this case, the smart installment service provider (20) provides the funeral support service installment contract information included in the smart installment service contract to the funeral support service provider (30) to fulfill the funeral support service provision. Do it like this.

In contrast, smart installment service providers (20) enter into short-term installment service contracts for linked products, which are basically their own products, while consumers agree to long-term installment service contracts for funeral support services. After obtaining the consent information, the consent information can be communicated to the funeral support service provider (30). In such a case, the funeral support service provider (30) will separately contact the consumer (10) and conclude a separate long-term installment service contract for the funeral support service.

Again, the economic benefits provided by the funeral support service provider (30) to the consumer (10) are, for example, the short-term installments paid to date by the consumer (10) at the expiry of the funeral support service contract and the long-term An installment is provided for the funeral support service provider (30) to repay the consumer (10) in full.

In addition, during the installment service period of the linked product, the payment amount of the funeral support service installment will be reduced to the minimum amount, and after the installment service period of the linked product has passed, the installment contract will be made in such a way that the funeral support service installment will be increased. It is preferable that the consumer (10) pays the installment at a constant rate during the entire term by mutually adjusting to conclude the contract.

Hereinafter, the specific progress of the smart installment service contract according to the third embodiment will be explained in detail with reference to FIG. 3.

First, the smart installment service provider (20) advertises and publicizes packaged products related to the smart installment service using media such as mail order broadcasts and internet shopping malls (S310), and the consumer (10) Accordingly, a smart installment service contract is concluded to order a package product that combines the cooperative product and the funeral support service (S320). In order to enter into a smart installment service contract with the consumer (10), the smart installment service provider (20) contacts the consumer (10) via an internal or external inquiry center (not shown). The consumer (10) then proceeds with the process of concluding a contract, including making a credit inquiry to the consumer (10).

When the smart installment service contract is concluded, the smart installment service provider (20) provides smart installment service contract information to the funeral support service provider (30) (S330), and the funeral support service provider (30) 30) will be able to provide funeral support services to the consumer (10) in the future (S350).

On the other hand, the smart installment payment period is divided into an early period (T1) in which both short-term and long-term installments are paid, and a latter period (T2) in which only long-term installments are paid. In FIG. 3 as well, stages related to monetary transactions are indicated by dotted lines.

During the first period (T1), the consumer (10) pays short-term installments ( _AST1 ) directly to the smart installment service provider (20) every month in accordance with the short-term installment delivery commitment included in the smart installment service contract. Payment is made (S280). Direct payment can be made by automatic transfer from the consumer's (10) financial account.

The smart installment service provider (20) enters into a receivables transfer contract with the financial company (50) (including the smart installment service provider's (20) internal financial department or external financial institution) and the delivery of short-term installments. The consumer (10) concludes an agency contract and receives a receivable transfer fee from the financial company (50) in exchange for transferring the short-term installment receivables to be received in the future from the consumer (10) to the financial company (50).

Based on the above-mentioned debt transfer and short-term installment delivery agency contract, the smart installment service provider (20) receives short-term installments ( _AST1 ) monthly from the consumer (10) (S360), and transfers them to the financial company (50). ) (S365). In response, the financial company (50) pays the smart installment service provider (20) the receivables transfer fee in a lump sum (S370), and here the receivables transfer fee is a short-term payment excluding the discount amount due to the receivables transfer. It corresponds to the total amount of installment (A _ST1 ''×M _T1 ).

In addition, the consumer (10) pays the long-term installment ( _ALT1 ) directly to the funeral support service provider (30) every month in accordance with the long-term installment payment agreement included in the smart installment service contract ( S380). Direct payment can be made by automatic transfer from the consumer's (10) financial account.

On the other hand, during the second period (T2), there is no short-term installment payment by the consumer (10). The consumer (10) directly pays the long-term installment ( _ALT2 ), which has increased in amount compared to the previous period (T1), to the funeral support service provider (30) every month (S380). Here, too, the monthly smart installment amount (A TL1 +A ST1 ) paid by the consumer (10) during the first period (T1) is equal to the monthly smart installment amount (A _TL1 +A _ST1 ) paid by the consumer during the second period (T2). Designing the product to be the same as _ALT2 ) so that the consumer (10) pays a fixed monthly payment amount over the entire period will improve the marketing aspect of packaged products and reduce the payment burden on the consumer (10). It is also preferable to do so.

On the other hand, the smart installment service provider (20) purchased and manufactured a large amount of linked products using the receivables transfer proceeds (A _ST1 '' x M _T1 ) received in a lump sum from the financial company (50) in the previous period (T1). Alternatively, the product can be manufactured on contract and delivered to the consumer (10) (S340).

Finally, when the funeral support service contract, which is a long-term installment service contract, expires without the consumer (10) using the funeral support service, the funeral support service provider (30) and the total amount of short-term and long-term installments (A _LT1 +A _LT2 +A _ST1 ) _TOTAL paid by the consumer (10) over the later period (T2) to the consumer (10), whereby the consumer (10) You will get the effect of acquiring linked products for free. In other words, the funeral support service provider (30) provides the consumer (10) with the total amount of short-term installments paid by the consumer (10) to the smart installment service provider (20) as installment support money for the linked product. By returning the product, the consumer (10) gains the benefit of acquiring the linked product for free. Here, the amount that the funeral support service provider (30) refunds to the consumer (10) includes the discount amount due to the transfer of receivables between the financial company (50) and the smart installment service provider (20). It is preferable to refund the total sum (A _LT1 +A _LT2 +A _ST1 ) _TOTAL of smart installments paid by the consumer (10) during the first period (T1) and the second period (T2) without consideration.

FIG. 4 is a flowchart of a smart installment method executed at a smart installment service provider terminal according to the embodiments of FIGS. 1-3.

First, the smart installment service provider terminal (20) receives and stores purchase intention data and consumer information regarding the smart installment service package product from the consumer terminal (10) (S410). The purchase intention data includes the items of linked products, data necessary for purchase, delivery, and installation, and data regarding subscription to funeral support services.

Next, after the consumer's credit inquiry procedure via the inquiry center (not shown), the smart installment service provider terminal (20) receives the consumer's credit inquiry information using the consumer information. is received and stored (S420). Credit inquiries are conducted using credit information databases owned by smart installment service providers, as well as through databases owned by smart installment service providers, funeral support service providers, or external specialists. It is also possible to do so. For that purpose, the smart installment service provider terminal (20) receives and stores consumer information such as the consumer's name, age, My Number, telephone number, address, account number, and credit card information. , confirms the credit rating of the consumer through its own credit information database or an external credit agency, and determines whether to approve the installment contract service.

As a result of the consumer's credit inquiry, if there is no abnormality in the conclusion of the contract, the smart installment service provider will pay the first installment for the short-term and long-term installment services of the linked product as part of the process of concluding the installment contract. After the payment is made, the smart installment service provider terminal (20) stores the payment history of the first installment (S430).

Through this process, the smart installment service provider terminal (20) collects smart installment information including purchase intention data, consumer information, consumer credit inquiry information, linked product information, first installment delivery history, etc. Service contract information is stored and managed (S440).

Next, the smart installment service provider terminal (20) sends the smart installment service contract information to the funeral support service provider terminal (30), and the funeral support service provider (30) receives the funeral support service contract. The funeral support service provider (30) notifies that the contract has been concluded (S450), and then stores the funeral support service contract conclusion information and installment payment information included in the smart installment service contract (S460). .

On the other hand, the conclusion of a smart installment service contract only includes the conclusion of a short-term installment service contract, and only the consent of the consumer for joining the funeral support service, and the conclusion of the contract for the long-term installment service for the funeral support service. (10) may need to enter into a separate agreement with the funeral support service provider (30). In such a case, the smart installment service contract information includes consumer consent for subscription to the funeral support service, so the smart installment service provider terminal (20) In accordance with the prior consultation with the funeral support service provider (30), information regarding the funeral support service contract, including consumer consent for joining the funeral support service, is transmitted to the funeral support service provider terminal (30) (S450). The provider terminal (30) communicates with the consumer terminal (10) to conclude a contract for the funeral support service and pay the first installment, and then sends information on the conclusion of the contract for the funeral support service and the payment of the installment. Save (S460).

Here, depending on the degree of cooperation between the computer system of the funeral support service provider (30) and the computer system of the smart installment service provider (20), the information transmission may be processed online, wired or Processing can also be done via separate communication means such as a wireless telephone or fax.

Furthermore, when the smart installment service provider (20) delivers the linked product to the consumer (10), the smart installment service provider terminal (20) delivers and/or installs the linked product, and the smart installment service provider terminal (20) delivers and/or installs the linked product. Information regarding completion is received, stored and managed (S470). When necessary, the smart installment service provider terminal (20) transmits at least part of the delivery/installation information to the funeral support service provider terminal (30), and the delivery and/or installation of the linked product is completed. Let me know.

Next, the smart installment service provider terminal (20) interacts with the funeral support service provider terminal (30), the credit provider terminal 40, and/or the financial company terminal (50) every month to ) of short-term and long-term installment payment history, arrearage history, and other installment payment information is managed (S480).

If the consumer (10) concludes a smart installment service contract through the public relations and advertisements of the smart installment service provider (20), the smart installment service provider (20) will act as a sales agent for the funeral support service. Therefore, in return, the funeral support service provider (30) can separately pay a predetermined business fee according to the contract, and in such a case, the smart installment service provider terminal ( 20) can receive sales fee information from the funeral support service provider terminal (30) and manage it together.

On the other hand, smart installment service contracts include funeral support service contracts, which are long-term installment services, and short-term installment linked product purchase contracts, as well as non-life insurance, life insurance, disease insurance, condominium usage rights, affiliated card services, travel services, etc. Includes the provision of additional paid or free services. In such a case, the smart installment service provider terminal (20) transmits information regarding the cooperative sales contract to the terminal (not shown) of the provider providing the related cooperative service, and the cooperative service provider provides funeral support. It is possible to collect related premiums in the same manner as service providers and support them in providing related services.

On the other hand, if the funeral support service provider (30) concludes a funeral support service contract with the consumer (10) separately from the smart installment service provider (20) and collects the funeral support service installment, the smart installment It is possible to have an installment collection system and computer system that are separate from the service provider's installment collection system, but funeral support service installments are combined within the smart installment service provider's installment collection system and computer system. It can also be collected.

Finally, in any case, upon expiration of the funeral support service contract, the funeral support service provider (30) will be able to collect the long-term installments of the funeral support services and the short-term installments of the linked products already delivered to the consumer (10). Support is provided to the consumer (10) in a manner of returning the entire amount, and the related payment refund information is provided from the funeral support service provider terminal (30) to the consumer terminal (10). (S490).

FIG. 5 is a configuration diagram of a smart installment service provider device, which is a server-class computer corresponding to the smart installment service provider terminal according to the embodiments of FIGS. 1 to 3.

The smart installment service provider device (500) in FIG. 5 includes a storage unit (510) that stores various information necessary for smart installment, a consumer terminal (10), and a funeral support service provider terminal (or server). (30), a credit provider terminal (or server) (40), a financial company terminal (or server) (50), a cooperative service provider terminal (or server) (not shown), and voice and and/or a communication unit (520) that performs data communication, and a control unit (530) that controls communication between the smart installment service provider device (500) and an external terminal (or server) and processes various information in the storage unit. and an input/output unit (540) that inputs and outputs the various information.

The storage unit (510) stores cooperative sales contract information or smart installment service contract information including consumer information, information regarding orders for cooperative products and payment of installments, information regarding orders, delivery, and installation of cooperative products, and funeral support. Information on service contracts and installment payments, information on installment support funds and sales fees provided by funeral support service providers to consumers, information on receivables transfers and receivables transfer fees, and other information necessary for collaborative sales. Saved.

In addition to the collaborative sales contract information concluded with the consumer terminal (10), the storage unit (510) also includes information on the collaborative sales contract that is transmitted to the funeral support service provider server (30). contract information of the funeral support service provided to the consumer (10), delivery information of the linked product delivered to the consumer (10), and whether or not the funeral support service provider (30) provided the funeral support service to the consumer (10). Information about is saved.

In addition, the storage unit (510) further stores smart installment delivery information including a short-term installment for the linked product and a long-term installment for the funeral support service.

At this time, the smart installment payment information includes delivery period and payment amount information of the short-term installment and the long-term installment, and the delivery period is such that the consumer pays the short-term installment and the long-term installment. It is divided into the first period (T1) in which the consumer pays the above-mentioned long-term installment together, and the latter period (T2) in which only the long-term installment is paid. Preferably, the monthly payment amount is the same as the monthly payment amount of the long-term installment paid by the consumer during the latter period (T2).

Here, the smart installment payment information includes deposit amount information for the linked product received from the credit provider (40) or financial company (50) server, and includes the lump-sum payment information included in the entered amount information. The deposited amount may be the amount obtained by deducting the prescribed fee of the credit provider (40) or financial company (50) from the total amount of the linked product (that is, the short-term installment multiplied by the installment service period). be.

Further, the smart installment payment information is related to the short-term installment that the smart installment service provider (20) receives monthly money from the consumer (10) and pays monthly to the financial company (50). information and information on a receivable transfer fee to be paid in a lump sum from the financial institution.

Furthermore, the smart installment payment information includes information related to the short-term installment that the credit provider (40) receives monthly from the consumer (10), and information related to the short-term installment that the credit provider (40) receives monthly from the consumer (10), and It can include price information for linked products paid in one lump sum by the provider (40).

In addition, the smart installment payment information includes information related to long-term installments that the credit provider (40) receives from the consumer (10) every month and pays to the funeral support service provider (30) every month. can be included.

In addition, the smart installment payment information may include information related to the long-term installment that the funeral support service provider (30) receives directly from the consumer (10) on a monthly basis.

Further, the smart installment delivery information is information related to the short-term installment that the funeral support service provider returns to the consumer at the expiration of the funeral support service contract included in the collaborative sales contract information. including.

Furthermore, the smart installment delivery information is information related to the long-term installment that the funeral support service provider returns to the consumer at the expiration of the funeral support service contract included in the collaborative sales contract information. further including.

The control unit (530) enables the smart installment service provider's device (500) to perform the various tasks mentioned above through software algorithms driven by the computer's processor.

On the other hand, although not shown, other terminals (30, 40, 50) or other devices (30, 40, 50) constituted by server-class computers, which are components of the present invention, also have configurations corresponding to FIG. In addition to the smart installment service contract information and delivery information of linked products received from the smart installment service provider (20), the storage section also contains information related to the funeral support service contract, funeral information, etc. At least some of the long-term installment payment information and sales fees for support services should be stored.

The embodiments of the smart installment sales system and method for selling products in conjunction with funeral support services according to the present invention described above are in the form of program instructions that can be executed through various computer components. The information may be implemented and recorded on a computer-readable recording medium. The computer readable recording medium may include program commands, data files, data structures, etc. singly or in combination. The program instructions recorded on the computer-readable recording medium may be specially designed and configured for the present invention, or may be known and available to those skilled in the art of computer software. There is also.

Examples of recording media that can be read by computers include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical recording media such as CD-ROMs and DVDs, and magnetic optical media such as floptical disks. (magneto-optical media), and memory devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like.

Examples of program instructions include not only machine language codes such as those created by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The hardware devices described herein can be configured to operate as one or more software modules, and vice versa, to perform processing according to the invention.

Up to this point, this specification has been described with reference to the embodiments shown in the drawings so that those with ordinary knowledge in the technical field to which the present invention pertains can easily understand and reproduce the present invention. are exemplary only, and those of ordinary skill in the art will appreciate that various modifications and equivalent other embodiments of the embodiments of the present invention are possible. . Therefore, it should be understood that the embodiments described above are illustrative in all respects and are not restrictive. For example, each component described in a single form may be implemented in a distributed manner, and similarly, components described in a distributed manner may also be implemented in a combined form. Therefore, the true technical scope of protection of the present invention should be determined only by the appended claims.

Claims (12)

A smart installment sales system comprising at least one consumer terminal, a funeral support service provider's server, and a smart installment service provider 's server connected to a financial institution 's server, the system comprising:
The server of the smart installment service provider is
a storage unit for storing predetermined information necessary for selling collaborative products of the smart installment service provider and funeral support services of the funeral support service provider;
a communication unit for performing voice and/or data communication with the consumer terminal, the server of the funeral support service provider, and the server of the financial institution;
a control unit for controlling communication with the consumer terminal , the server of the funeral support service provider, and the server of the financial institution , and executing processing on information stored by the storage unit; and inputting the information. Contains an input/output section for outputting,
The storage unit stores cooperative sales contract information including consumer information, information regarding orders for the cooperative products and payment of installments, information regarding the delivery of the cooperative products, and installments provided to consumers by funeral support service providers. Information on support funds will be saved.
Smart installment sales system. The smart installment sales system according to claim 1, wherein the storage unit further stores sales fee information received from a server of the funeral support service provider. concluding a collaborative sales contract with the consumer terminal and storing contract information for the collaborative sales;
providing contract information for funeral support services among the collaborative sales contract information to a server of the funeral support service provider;
the step of saving delivery information of the linked product; and the step of saving provision information of the funeral support service.
A smart installment service method executed on a server of a smart installment service provider of the smart installment sales system according to claim 1 or 2. further comprising storing smart installment delivery information including a short-term installment for the linked product and a long-term installment for the funeral support service;
The smart installment service method according to claim 3. The smart installment payment information includes delivery period and payment amount information of the short-term installment and the long-term installment,
The delivery period is divided into an early period (T1) in which the consumer pays the short-term installment and the long-term installment together, and a latter period (T2) in which the consumer pays only the long-term installment,
The monthly payment amount of the short-term installment and the long-term installment paid by the consumer during the first period (T1) is equal to the monthly payment amount of the long-term installment paid by the consumer during the second period (T2). is the same as the amount
The smart installment service method according to claim 4. The smart installment payment information includes payment amount information for the linked product received from the server of the financial institution,
The one-time payment amount included in the entered amount information is the amount obtained by deducting the fee of the financial institution from the total amount of the linked product obtained by multiplying the short-term installment amount by the installment service period.
The smart installment service method according to claim 5. The step of saving the smart installment payment information includes:
storing information related to the short-term installments that the smart installment service provider receives monthly from the consumer and pays monthly to the financial institution; and storing information about debt transfer fees paid in one lump sum by the financial institution. including the step of
The smart installment service method according to claim 4. The step of saving the smart installment payment information includes:
the financial institution stores information related to the short-term installments received monthly from the consumer; and the smart installment service provider stores price information of linked products paid in one lump sum by the financial institution. including,
The smart installment service method according to claim 4. The step of saving the smart installment payment information includes:
storing information related to the long-term installments that the financial institution receives monthly from the consumer and pays monthly to the funeral support service provider;
The smart installment service method according to claim 4. The step of saving the smart installment payment information includes:
storing information related to the long-term installments that the funeral support service provider receives directly from the consumer on a monthly basis;
The smart installment service method according to claim 4. The step of saving the smart installment payment information includes:
storing information related to the short-term installment that the funeral support service provider returns to the consumer upon expiration of the funeral support service contract included in the cooperative sales contract information;
The smart installment service method according to claim 4. The step of saving the smart installment payment information includes:
The method further includes storing information related to the long-term installment that is returned to the consumer by the funeral support service provider upon expiration of the funeral support service contract, which is included in the cooperative sales contract information.
The smart installment service method according to claim 11.