KR100836482B1 - Auction method integrated with finance and system thereof - Google Patents

Abstract

A method and a system for processing auction combined with a financial product are provided to offer benefit to a user by buying goods with interest of the financial product and selling the goods in an auction style. A virtual account controller(310) stores and updates P-money, which is a value representing interest generated a deposit received from a plurality of bidders in a point concept, deposit information, and bidder information to a corresponding virtual account. An auction controller(320) determines a P-money accumulation amount for buying a plurality of auction goods, and determining a sale price and a successful bidder. A bid processor(330) bids all or a part of the deposit for the auction goods by responding to a bid request signal, and accumulates the interest generated from the deposit bid for the auction goods as the P-money. A successful bidder determiner(340) determines a bidder bidding the highest P-money as the successful bidder by comparing the P-money of each bidder when a bid is closed. An interest generator(350) generates the interest from the deposit received from the bidders or bid for the auction goods by managing the deposit with a financial product such as MMF(Money Market Fund).

Description

Auction method integrated with finance and system

BRIEF DESCRIPTION OF THE DRAWINGS In order to better understand the drawings cited in the detailed description of the invention, a brief description of each drawing is provided.

1 is a flow chart illustrating an auction method combined with financial products according to an embodiment of the present invention.

FIG. 2 is a conceptual diagram illustrating a case where the auction method of FIG. 1 is implemented as a system online.

3 is a block diagram illustrating a structure of an auction system according to another embodiment of the present invention.

The present invention relates to an auction method and an auction system, and more particularly, to an auction method and auction system on-line that can be successful bidding products using the financial interest generated in conjunction with the financial product.

The general auction method or online auction shopping malls are well known and the market size is getting bigger as time goes by. Although there are various auction sites in online shopping malls, the auction, which is a representative site, is briefly explained. When an auction seller registers a product to sell on the auction's online site, the buyer bids on the product and wins the auction. .

The successful bidder deposits the price of the goods into the account of the auction, and when the auction informs the seller of the goods, the seller delivers the goods to the buyer. If the buyer delivers the goods to the auction that the goods have been delivered, the goods have been delivered safely and will not be canceled, the auction deposits the price of the goods to the seller without a certain fee.

At this time, the auction will hold the product price received from the product buyer for a certain period. The buyer pays for the goods before receiving the goods, and the seller also receives the goods after a certain time after delivery. There is a problem that the financial interest generated by the auction holding the product price for a certain period of time is only recognized as income of the auction and there is no benefit to the buyer of the product.

The technical problem to be achieved by the present invention is to provide an auction method combined with a financial product that can benefit by purchasing the product at a low price using interest generated in the financial product and selling it to the buyer in the form of a bid.

Another technical problem to be achieved by the present invention is to provide an auction system combined with a financial product that can benefit by purchasing the product at a low price using interest generated from the financial product and selling it in the form of a bid to the buyer.

The auction method according to an embodiment of the present invention for achieving the technical problem is a virtual account corresponding to the money information and deposit information and bidder information that converts the financial interest generated from the deposit received from a plurality of bidders into money Storing in a bid, bidding all or part of the deposit to a corresponding auction product according to a bid request of the bidders, generating a financial interest using a deposit bid on the auction product, and generating the interest as a money And accumulating the auction products for the bidders with the most money by comparing the accumulated money of each bidder when the bidding period for the auction product ends.

The storing in the virtual account may include receiving a deposit from a plurality of bidders to generate a financial interest and transmitting the deposit information, the money information and the bidder information for the deposit to the virtual account. Equipped.

The bidding on the auction product bids a deposit on the auction product at least equal to or higher than a sale price suggested to sell the auction product to the bidders.

The auctioning step may include a difference between a sale price of the auction product and a purchase price for purchasing the auction product to provide the auction product to a bidder, based on the total sum of the pawns for the auction product accumulated within the bidding period. Only equal to or greater than the winning bid is determined.

The bidding on the auction product may bid on the auction product together with the financial interest generated from the deposit received from a plurality of bidders.

The determining of the successful bidding returns the total amount of the deposit except for the money of the bidders who did not win the auction product. The financial interest is generated by financial instruments that generate financial interest on a daily basis, such as Money Market Funds (MMF).

The money can be converted from mileage points or earned points generated from an affiliate. The deposit and financial interest received from multiple bidders and the deposit bid on the auction product may be added several times a day.

The auction system according to an embodiment of the present invention for achieving the above another technical problem is a virtual corresponding to the information and deposit information and the bidder information that converts the financial interest generated from the deposit received from a plurality of bidders into the money The virtual account controller for storing in the account, the auction controller for purchasing a plurality of auction products and determine the selling price for the bidders and the money reserve amount for determining the successful bidder, in response to the bid request signal of the deposit from the virtual account controller A bidding unit that bids all or part of auction on corresponding auction products, and accumulates financial interest generated from deposits bid on the auction products, and the money of each bidder accumulated when the bidding period for the auction products ends. Comparing the winning bid of the auction product to the largest bidder And a successful bid determination unit which comprises.

The auction system further includes a financial interest generation unit for operating the financial product that generates the financial interest from the deposit received from a plurality of bidders or the financial interest from the deposit bid on the auction product. The successful bidder determines the successful bid only when the total sum of the pawns accumulated in the bidding period is equal to or greater than the accumulated amount of the pawns.

The auction method according to another embodiment of the present invention for achieving the technical problem is to accumulate financial interest generated from deposits received from a plurality of bidders and to provide the auction product to the particles If the accumulated financial interest is greater than the difference between the purchase price to be purchased and the selling price presented to sell the auction product to the bidders, bidding the auction product to the bidder who contributed the most to the accumulation of the financial interest. do.

In order to fully understand the present invention, operational advantages of the present invention, and objects achieved by the practice of the present invention for achieving the above technical problem, reference should be made to the accompanying drawings which illustrate preferred embodiments of the present invention. do.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Like reference numerals in the drawings denote like elements.

In the auction method according to an embodiment of the present invention, the financial interest generated from deposits received from a plurality of bidders is accumulated, and an amount corresponding to the difference between the actual price of the auction product and the selling price for bidding to the bidder is the financial interest. The concept is to sell auction products at low prices. In this case, the bidder who receives the auction product is selected as the person who generates the most financial interest.

1 is a flow chart illustrating an auction method combined with financial products according to an embodiment of the present invention.

Referring to Figure 1, the auction method 100 according to an embodiment of the present invention receives a deposit from a plurality of bidders to generate a financial interest in step 110 and the deposit information, the money information and Step 120 of transmitting the bidder information to the virtual account; step 130 of bidding all or part of the deposit on a corresponding auction product according to a bid request of the bidders; financial interest using a deposit bidding on the auction product Step 140 of generating and accumulating the generated interest as money, and when the auction period for the auction product is over compares the money of each of the accumulated bidders 150 that the auction product is determined to bid the bidder with the most money To 160 steps.

FIG. 2 is a conceptual diagram illustrating a case where the auction method of FIG. 1 is implemented as a system online.

Referring to the conceptual diagram of FIG. 2, the system 200 implemented online includes an auction shopping mall 210, a bidder 230, and a financial company 220. When the bidder 230 transfers and deposits a bid deposit to the financial company 220, the financial company 220 generates the financial interest using the bid deposit. Financial firm 220 is also coupled to the bid deposit, which is the principal, to generate financial interest again. Since the amount deposited by the bidder 230 is managed by the financial company 220, the bidder 230 can trust the safety of the bid deposit.

In other words, financial interest is generated as a compounding concept. However, financial interest is not limited to this concept of interest because it can vary.

The generated financial interest is converted into money and transmitted to the auction mall 210. Money is a figure that expresses financial interest in the concept of points. The bidder 230 registers with the auction mall 210 and opens a virtual account. Through his virtual account opened in the auction shopping mall 210, he can check the financial interest generated by his deposit and the deposit, that is, the money, and bid on the auction product in the auction shopping mall 210.

The bidder 230 may use various contents of the auction shopping mall 210, may obtain a certain point according to the use of the content, and the obtained points may be converted into the money.

If the bidder 230 bids all or a portion of the deposit deposited with the financial institution 220 and all or part of the interest generated, i.e., all or a portion of the money on the auction product, the bidder 230 may also finance the deposit and the money bid on the auction product. Interest is generated. This is because the deposited deposit and the money are also operated by the financial products of the financial company 220.

As such, when a plurality of bidders bid on one auction product, financial interest is generated by the deposit and the money bidding on the auction product, and the total sum of the generated money is the successful bid amount (sale amount) of the auction product. If the auction product is larger than the difference between the purchase price, which is the cost of the auction shopping mall 210, the bidding is terminated and the successful bidder is selected.

At this time, the successful bidder is the bidder who contributed the most to generate the total sum of the money, that is, the person who generated the most money is selected.

As described above, in the auction method 200 according to the embodiment of the present invention, the auction shopping mall 210 purchases an expensive auction product and sells it in an auction form at a very low cost. In order to bid the difference at the auction, financial rewards are accrued from the deposits deposited by the bidders.

3 is a block diagram illustrating a structure of an auction system according to another embodiment of the present invention.

Hereinafter, an operation of the auction method 100 and the auction system 300 according to an embodiment of the present invention will be described with reference to FIGS. 1 to 3.

The auction system 300 according to the embodiment of the present invention includes a virtual account controller 310, an auction controller 320, a bidding unit 330, and a successful bidder determining unit 340. The auction system 300 may further include a financial interest generator 350. That is, the financial interest generation unit 350 may be included as an element in the auction system 300 from the beginning, or may exist separately outside the auction system 300 to deposit the deposit MF of bidders and generate financial interest. It may be transmitted to the virtual account control unit 310 of the auction system 300.

Money information, deposit information, and bidder information obtained by converting financial interest generated from deposits received from a plurality of bidders into money are stored in a corresponding virtual account. In more detail, financial deposits are generated by receiving deposits from a plurality of bidders (step 110), and the deposit information, money information and bidder information are transmitted to the virtual account (step 120).

Step 110 is performed by the financial interest generation unit 350 and step 120 is performed by the virtual account controller 310. Financial interest is generated by financial instruments that generate financial interest on a daily basis, such as Money Market Funds (MMF).

The bidder registers with the online site operating the auction system 300 and deposits a deposit in the financial interest generator 350.

The financial interest generation unit 350 generates the financial interest PMI by receiving a deposit MF and bidder information UI from the bidders and operating the deposit MF using a financial product. The financial interest generation unit 350 may be a server of a financial company or may be a server inside the auction system 300 that operates in connection with a financial company server.

The generated financial interest is converted into money (PMI) and transmitted to the virtual account controller 310 along with the deposit (MF) information and the bidder information (UI).

The bidder may check his deposit MF and generated financial interest, that is, PMI, by inquiring his virtual account from the virtual account controller 310 using the Internet. In this case, when a bidder inputs a deposit MF, inquires a virtual account, or bids, etc., and needs to authenticate himself using bidder information UI, a portable password generator such as otp (one time password) may be used.

The auction control unit 320 purchases a plurality of auction products (GDS) and determines the selling price (PS) for the bidders and the money saving amount (PMD) for determining the successful bidder. The PMD is the sum of the piers earned from the deposits offered by bidders bidding on one auction.

Auction products (GDS) may vary. For example, if the car is an auction product, the auction control unit 320 is a sale price sold to the successful bidder assuming that the purchase price required to purchase the car to provide the car to the selected successful bidder after the end of the bidding period Assume that PS is 40 million won.

At this time, the accumulated money amount (PMD) should be equal to or greater than the difference between the sale price (PS) of the auction car and the purchase price at which the auction control unit 320 purchases the car. In other words, the accumulated amount of money (PMD) should be equal to or greater than 60 million won.

When the money reserve amount PMD is determined, the bidder is announced together with the selling price PS and the bidding period, and the bidder starts bidding. That is, according to the bidder's bid request, all or part of the deposit is bid on the corresponding auction product (step 130). Then, the financial interest is generated using the deposit bid on the auction product and the generated interest is earned as a mother's money. (Step 140)

In the case of bidding on an auction product, a deposit (MF1) of at least equal to or higher than the selling price PS proposed to sell the auction product (GDS) to the bidders must be bid on the auction product (GDS).

The operations of steps 130 and 140 are performed by the bidding unit 330. That is, the bidding unit 330 bids the deposit MF1 to the auction product GDS from the virtual account controller 310 in response to the bid request signal (not shown), and the deposit MF1 bid to the auction product GDS. Earn financial interest earned from) as PMI1.

In this case, the deposit MF1 may be all or part of the deposit MF deposited in the financial interest generation unit 350. In addition, the money PMI1 may be all or part of the money PMI accumulated in the financial interest generation unit 350 and may include financial interest generated by the deposit MF1. At the time of bidding, all or part of the money PMI may be bid on the auction product GDS together with the deposit MF1.

If the deposit MF1 bid in one auction product GDS is part of the deposit MF deposited in the financial interest generating unit 350, the financial interest is due to the remaining deposit remaining in the financial interest generating unit 350. It will continue to occur, and financial interest, or PMI1, will also be generated by the deposit MF1 bidding on the auction product GDS.

The deposit MF1 bid on the auction product GDS is also generated by the same financial instrument as the deposit MF deposited in the financial interest generation unit 350.

Deposits MF1 and PMI1 that bid on the auction product GDS may be added multiple times a day. Similarly, the deposit MF deposited to the financial interest generator 350 may be added several times a day.

When the bidding period for the auction product (GDS) ends, the auction product is determined to be bidder with the highest number of the bidders by comparing the accumulated money of each bidder. (150 to 160)

It is determined whether the total sum of the mothers for the auction product (GDS) accumulated during the bidding period is the same as or greater than the PMD amount (step 150). If less, the bid is bidded (step 170).

If the bidder is returned, all bidders receive a deposit MF2, but PMI2 may or may not be returned, depending on the operation of the auction system 300.

If a successful bid decision is made, the bidder's money (PMI2) will not be returned and only the deposit (MF2) will be returned.

When the successful bid condition is satisfied, the bidders of each bidder constituting the money reserve amount (PMD) are compared to make a bidding decision of the auction product (GDS) to the bidder having the largest money. (160 steps)

If there are bidders with the same accumulated money PIM2, the bidder determines the bidder who has obtained the most points generated by using various contents provided by the shopping mall site that operates the auction system 300.

Steps 150 to 170 are performed by the successful bid determination unit 340. The auction decision unit 340 receives the money PMI2, the deposit MF2, and the bidder information UI from the bidding unit 330, and the total sum of the money PMI2 is equal to or greater than the money accumulated amount PMD. It determines whether it is less than and makes a winning decision.

Each bidder's money (PMI2) is not only the size of the deposit (MF1) and the money (PMI1) bid on the auction product (GDS), but also the deposit (MF2) and The total financial interest combined with the money generated by the variable deposit (MF2).

The money PMI2 is varied not only by the size of the deposit MF2 but also by the deposited period. In addition, the money (PMI2) can be converted from mileage points or earned points generated from the partner. That is, the points generated by using affiliates' points may be converted into money by using a predetermined calculation method, or other content in the shopping mall site where the auction system 300 is operated may be converted into money.

The conversion method may be various and will be understood by those skilled in the art, and thus the detailed description is omitted.

As described above, optimal embodiments have been disclosed in the drawings and the specification. Although specific terms have been used herein, they are used only for the purpose of describing the present invention and are not intended to limit the scope of the present invention as defined in the claims or the claims. Therefore, those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

As described above, the auction method and auction system combined with the financial products according to the present invention apply the bidding amount of the bidders to the financial products to generate high financial interest, and use the generated financial interest to lower the price of the auction product cheaply. There is an advantage that can be supplied to.

Claims (19)

In the auction method of the auction system combined with financial products having a virtual account control unit, a bidding unit and a bidding decision unit, Storing, by the virtual account controller, the money information, the deposit information, and the bidder information, which converts the financial interest generated from the deposits received from the plurality of bidders into a money representing a point concept, in a corresponding virtual account; Bidding, by the bidder, to bid all or part of the deposit on a corresponding auction product according to a bid request of the bidders; Generating, by the bidding unit, a financial interest using a deposit bid on the auction product, and accumulating the generated interest as money; And And when the auction decision unit ends the bidding period for the auction product, comparing the money of each of the bidders accumulated and the auction product is determined by the bidder having the most money. Combined Auction Method. The method of claim 1, wherein the storing in the virtual account comprises: Receiving a deposit from a plurality of bidders to generate financial interest; And And transmitting the deposit information, the money information, and the bidder information for the deposit to the virtual account. The method of claim 2, wherein bidding on the auction product includes: And auctioning a deposit for the auction product at least equal to or higher than a sale price suggested for selling the auction product to the bidders. The method of claim 3, wherein the determining of the winning bid is performed. If the total sum of the pawns for the auction product accumulated within the bidding period is equal to or greater than the difference between the selling price of the auction product and the purchase price for purchasing the auction product to provide the auction product to a bidder Auction method combined with financial products, characterized in that determined. The method of claim 3, wherein bidding on the auction product comprises: Auction method combined with financial products, characterized in that it is possible to bid together for the auction products financial interest generated from the deposit received from the plurality of bidders. The method of claim 3, wherein the determining of the winning bid is performed. The auction method combined with a financial product, characterized in that for returning the full amount of the deposit except the bidder of the bidder who did not win the auction product. The method of claim 1, wherein the financial interest, Auction method combined with financial products, characterized in that it is generated by financial instruments that generate financial interest on a daily basis, such as MMF (Money Market Funds). The method of claim 1, wherein the pawns, Auction method combined with financial products, characterized in that can be converted from mileage points or points earned from the affiliates. 2. The deposit of claim 1, wherein the deposit received from a plurality of bidders and the financial interest and the deposit bid on the auction product, Auction method combined with financial products, characterized in that can be added several times a day. A virtual account controller for storing and updating the money information, the deposit information, and the bidder information, which converts the financial interest generated from the deposits received from the plurality of bidders into a number representing a concept of points, in a corresponding virtual account; An auction controller for purchasing a plurality of auction products and determining a selling price for bidders and a money reserve amount for determining a successful bidder; A bidder configured to bid all or a portion of the deposit from the virtual account controller to a corresponding auction product in response to a bid request signal, and accumulate financial interest generated from the deposit bid on the auction product as money; And When the bidding period for the auction product is over, the money of each of the bidders are compared to compare the money with the financial product, characterized in that the money making unit having a successful bidder to determine the bidding of the auction product to the largest bidder Auction system. The method of claim 10, The financial product further comprises a financial interest generation unit for operating the financial product that generates the financial interest from the deposit received from a plurality of bidders or the financial interest from the deposit bid on the auction product. Auction system combined with. The method of claim 11, wherein the financial interest, Auction system combined with financial products, characterized in that it is generated by financial instruments that generate financial interest on a daily basis, such as MMF (Money Market Funds). The method of claim 10, wherein the bidding unit, The auction system combined with financial products, characterized in that for bidding on the auction product a deposit of at least equal to or higher than the selling price. The method of claim 10, wherein the money reserve amount, Is an amount equal to or greater than the difference between the selling price of the auction product and the purchase price at which the auction controller purchases the auction product, The successful bid decision unit, The auction system combined with a financial product, characterized in that the successful bidding decision is made only when the total sum of the pawns for the auction products accumulated within the bidding period is equal to or greater than the accumulated money amount. The method of claim 10, wherein the bidding unit, The auction system combined with financial products, characterized in that the bidding for the auction products together with the money of each bidder accumulated in the financial interest generation unit. The method of claim 10, wherein the successful bid determination unit, The auction system combined with a financial product, characterized in that for returning the full amount of the deposit except the bidder of the bidder who did not win the auction product. The method of claim 10, wherein the pawns, Auction system combined with financial products, characterized in that can be converted from mileage points or points earned from affiliates. 11. The method of claim 10, wherein the deposit deposited in the financial interest generation unit and the deposit bid on the financial interest and the auction product, An auction system combined with financial products, which can be added several times a day. The financial institution server accumulating financial interest generated from deposits received from a plurality of bidders; And If the accumulated financial interest is greater than the difference between the purchase price at which the shopping mall server purchases the auction product for providing the auction products to the bidders and the sale price suggested for selling the auction product to the bidders, the financial interest And auctioning the auction product to the bidder who contributed the most to earning the auction method combined with the financial product.

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