KR100951181B1 - Asset accumulation system and generating and managing method of asset - Google Patents

Abstract

The present invention provides a credit for the product by allowing the general public who purchases necessities, travel products and other tangible products that are necessary for life, to receive the margin of the purchased product and perform a loan using the same. It is about consumer systems and how to create and operate consumer assets that transform consumption into the potential for new economic life. To this end, the present invention converts the sales margin of a product traded in an online or offline shopping mall into a consumer asset, which is a score for the credit of the buyer of the product, and credits it to the account of the buyer of the product, and loans to the buyer of the product as a collateral. When the buyer fails to repay the loan, the consumer asset system and consumer asset generation, which allow the buyer to pursue profits stably through a wise consumer life, are deducted from the account of the buyer. Suggest a method of operation.

Personal Consumer, Auction, Credit Score, Loan Repayment, Life Security Support

Description

Asset accumulation system and generating and managing method of asset

The present invention relates to a consumer property system and a method for creating and operating consumer goods, in particular, returning the sales margin generated when purchasing a product to the consumer, and allowing the consumer to obtain a loan using the same. It is about the consumer asset system and the method of creating and operating consumer asset which provides the opportunity for the economic recovery to those who have difficult economic activities.

The normal product distribution structure adds a margin to the cost of the product to sell the product, and the seller realizes the profit through the margin.

Therefore, the selling price of the commodity has the form of the cost of the commodity plus the selling margin, and the selling of the commodity giving up the selling margin is not performed in any online or offline shopping malls at home and abroad. However, there are cases where temporary sales are carried out below the cost to attract customers, but this is not common.

On the other hand, those whose business is in trouble or whose credit rating has been degraded due to various circumstances (commonly called bad credit) are almost impossible to do in normal financial transactions because they avoid those in the financial sector. They are blocked from using their cards to make payments, and their loans are limited, making it difficult for them to return to normal society.

They also have to buy and use necessities for life, but in the state limited to card transactions or loans, there are restrictions on using online shopping malls, so cash transactions are mainly mainstream.

Accordingly, Applicant opens an online shopping mall to those who want to recover their credit ratings, but when they purchase a product as a product buyer, they provide feedback on all margins from the sale of the product, as well as the margin of the product buyer. We would like to propose a system of consumer assets that can be recovered by using.

In addition, the consumer-property system proposed by the applicant allows not only the poor credit, but also the general public who wants to obtain a loan by using the margin of the necessity of necessity purchased in the necessity of life. Through this, we would like to propose a new system in which consumption of goods leads to new production.

Therefore, the object of the present invention,

-Providing all the margins generated by the purchase of goods back to the buyer of the goods, and providing the consumer property system that allows the buyers of the goods to use the loans for their economic activities.

-It is to provide a consumer property system that provides opportunities for financial rehabilitation by providing financial trading opportunities to those who have difficulty in normal financial transactions as well as the general public.

-By providing a consumer property system that credits the creditors, who have difficulty in normal financial transactions, when they purchase products, they can accumulate consumer assets so that the creditors do not consume additional costs or face economic difficulties.

-It is to provide a consumer property system that allows natural loans to be recovered in the form of consumer assets.

-When a problem arises with regard to taxes to be paid by an individual, etc., the state or local government can provide a consumer property system that can secure tax revenues by collecting tax from personal consumption assets.

-It is to provide a consumer property system that makes it easier to secure bonds by allowing creditors to collect debts from individual assets when debtors collect debts on individuals and others.

-To provide a consumer asset system that allows financial institutions to use consumer assets to recover bad debts.

According to the present invention, in accordance with the present invention, the sales margin of goods traded in the on-line and off-line shopping malls is converted into consumer goods, which is a score for the credit of the goods buyers, and credited to the account of the goods buyers, and a part of the consumer goods is secured. Loans to the commodity buyer, and when the commodity buyer fails to repay the loan, it is achieved by a method for creating and operating a consumer asset that subtracts the consumer property corresponding to the loan from the account of the commodity buyer.

The above object is, according to the present invention, an electronic commerce module provided for online commerce for a product, and when a product buyer purchases the product in the online shopping mall, the selling margin of the purchased product is scored for the credit of the product buyer Is converted into consumer assets and credited to the product buyer's account, and loans to the product buyer with a portion of the consumer property as collateral; when the product buyer fails to pay the loan, the consumer asset corresponding to the loan Is achieved by the consumer processing module subtracting the product buyer's account.

Therefore, the present invention,

-Purchasers of goods with difficulty in crediting should be able to obtain loans from consumer assets calculated based on their purchases as life necessities.

-Consumer goods are managed by dividing them into those that can be bought and sold, and those that cannot be bought and sold are promoted as a product buyer's credit recovery and life support.

Prior to the description of the invention,

-The consumer property referred to in the present invention is commonly used in on and offline shopping malls and auction sites operated by the applicant, on and offline shopping malls and auction sites affiliated with the applicant, and is managed by the management system operated by the applicant. Consumer property is credited to buyers of goods when they purchase goods (all kinds of goods, whether tangible or intangible, such as life necessities, ideas, etc.)

Margins generated when a commodity buyer buys or sells the commodity are fed back to the commodity buyer in the form of consumer assets.

The present invention feeds back to the buyers of goods by dividing the consumer assets into a plurality of items in order to recover the creditor due to one's mistake or poor business as well as the general public, one of the feedback items is to stabilize the life of the buyer Aim. Specifically,

Consumer goods,

-Credit score,

-Automatic repayment of loans, and

-It is divided into three items of life security subsidies and provided to buyers of goods.

The credit score determines the value of the loan to the buyer of the product,

Automatic loan repayments serve as collateral for loans,

Life security grants are applied to preserve the life of the product buyer.

Credit score items can be bought and sold according to the needs of the product buyers, while life security subsidy items are prepared for the worst life of the product buyers. However, living security subsidy may be partially deducted from a commission when a product buyer participates in an auction and buys and sells his / her own assets.

Here, the automatic loan repayment may be greater than or equal to the value of the loan. In other words, if the loan automatic repayment is one million won, the loan should be set to the level of less than one million won. Also, the credit score is

Sections are assigned according to each score, and the value of the loan that can be borrowed in the corresponding section is set. For example, the credit score may be determined in the form described below,

-Down-

100-200

201 to 300

301-400

401-500

501-infinite

Loan loans can be determined for each section. Accordingly, the buyer of the product can borrow according to the balance of his credit score and the automatic repayment of the loan.

If the buyer of the product has a large credit score, but the automatic loan repayment for the loan is insufficient, the buyer of the product may sell the credit score to another person and fill the automatic payment of the loan with the amount sold. This allows buyers of goods to increase their loan limits even further.

That is, the credit score of the product buyers and the automatic repayment of the loans do not function as actual cash, but can determine the value of the loans. Moreover, the present invention allows loans to creditors who have difficulty in normal financial transactions and allows creditors to recover by using loans. Therefore, consumer assets are no different from cash for creditors.

Applicant's proposed consumer asset system focuses on ensuring that poor creditors and delinquents have a sound economic life. To this end, the present invention is used by the consumer property itself as a measure of credit for the buyer of the goods. The consumer goods system is not limited to the products for sale, but mainly sells essential commodities consumed by the buyer of the goods and returns the sales margin of the goods generated by the buyer of the goods to the buyer.

The consumer property system can also be used to introduce and transfer the system to those who wish to conduct business using the system.

Applicants' profits from this distribution structure are very close to "0", whereas for the buyers of goods who need to purchase goods for living anyway, the assets that they can operate in the course of economic activities for living Can be prepared. However, this is what the applicant intends.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

1 shows a conceptual diagram of a consumer goods system according to the present invention.

For reference, although the online shopping mall is taken as an example, it is also applicable to the offline shopping mall.

The illustrated consumer goods system 100 operates in conjunction with the online shopping mall 200 and the auction site 30. The online shopping mall 200 and the auction site 300 may be included in the consumer asset system 100 or may be separately provided outside the consumer asset system 100, and may be separately affiliated with the consumer asset system 100. It may be an online shopping mall or another auction site.

The product buyer registers with the consumer goods system 100 using his user terminal 10 and purchases the necessary goods in the online shopping mall 200 linked with the consumer goods system 100. In this case, the consumer asset system 100 accumulates the sales margin of the product sold to the product buyer in the account of the product buyer in the form of consumer assets.

For example, assuming that the cost of the product is 500 won and the margin is 500 won, a typical province and retail store sells a product of 500 won at 1,000 won. The consumer asset system 100 sells a product of 500 won at a cost of 1,000 won to a commodity buyer, as in a normal road and a retail store, but a margin of 500 won is stored in an account of a commodity buyer. That is, the margin of consumer goods system 100 obtained through the sale of goods is "0".

The product buyer purchases the product at the online shopping mall 100 of the consumer product system 100 at the same (or similar) price as the product purchased at another online shopping mall or an offline market. However, the consumer system 100 provides a margin 500 won for a product of 1000 won to the buyer of the product in the form of consumer assets, the buyer can use this to obtain a loan.

In addition, the product buyer can access the auction site 300, and can buy and sell their consumer assets at the auction site. At the auction, buyers of goods can obtain the necessary consumer assets by selling to others the credit scores or repayments remaining on their loans.

As mentioned above, the consumer goods system according to the present invention determines the loan amount according to the credit score, but since the loan will be automatically repaid, the buyer of the product sells the remaining credit score or the automatic loan repayment and buys what is needed. You can get the loan you want.

Here, only the credit score and the automatic repayment of the loan among the items constituting the consumer asset were allowed to be bought and sold by the buyer of the goods, and the life security support was made impossible to buy and sell. Life security subsidies can be provided to buyers of goods in the form of goods or cash.

In addition, for the operation of the consumer property system, the fee generated at the auction may be partially deducted from the automatic repayment of loans, or the life security support fund of the consumer property. In general, the fee generated by the auction is extremely weak, and thus the present invention is based on this. Distortion of the truth, and should not be misunderstood.

The credit score is accumulated only when the product buyer purchases the product at the online shopping mall 100 of the consumer property system 100 or at another online shopping mall affiliated with the consumer property system 100.

2 illustrates a block diagram according to an embodiment of a consumer property system.

The illustrated consumer goods system includes an electronic commerce module 110, an auction processing module 130, a database 140, and a consumer goods processing module 120.

The electronic commerce module 110 operates an online shopping mall in a consumer property system, and in addition to the basic functions of registering and selling products, the electronic commerce module 110 provides security programs required for payment processing, payment fee processing, and other online shopping mall operations according to online transactions. to provide. In addition, the electronic commerce module 110 includes information on corresponding consumer assets whenever the product buyer purchases the product.

The auction processing module 130 allows the purchaser of the product of the product buyer, more specifically, the credit score of the buyer of the product, and the automatic payment of loans with others.

Basically, the present invention determines the loan limit according to the credit score of the product buyer, and when the product buyer wants to receive the loan amount corresponding to the loan limit, it should have a corresponding loan automatic repayment. In this case, when the credit score of the product buyer is low or the loan repayment is insufficient, the loan that the product buyer can borrow is limited.

In addition, even if the credit score is large, but the lack of automatic loan repayment, the loan of the buyer of the product is limited.

The auction processing module 130 allows the buyer of various products to buy and sell credit scores or loan repayments automatically, so that the buyer of the product recognizes that his credit is money.

In addition, the auction processing module 130 may proceed with the sale of the product as in the normal auction site.

Register the product of the company that manufactures and sells the product or the product that the consumer wants to sell, and like the auction (www.auction.co.kr), the seller and the buyer of the product can trade in various ways. The price of a commodity may take the form of a gradual increase, starting from the lowest price, or it may take the form of a reverse auction. However, the auction processing module 130 allows the consumer property itself to participate in the auction, and has a unique feature that is used in the form of subtracting the fee from the auction. Here, the fee may be paid separately.

The consumer asset processing module 120 provides a consumer asset to a product buyer who has purchased a product when a product purchaser registered in the consumer asset system 100 purchases the product, and divides the consumer asset into three items. To achieve the goals of economic activity and the protection of the buyers of goods. In addition, as described above, a person who intends to run such a business can achieve the purpose of acquiring the opportunity of personal entrepreneurship and additional income by purchasing a variety of programs including a personal consumer property program.

As mentioned above, the consumer property processing module 120 refers to a sale margin of a product.

-Credit score,

-Automatic repayment of loans, and

-3 minutes for living security support

The credit score determines the loan to the buyer of the product, the automatic repayment of the loan is applied to repay the debt of the buyer of the goods, and the life security support money is applied to preserve the life of the buyer of the goods.

The credit score increases linearly with the purchase price of the commodity (life necessities) purchased by the commodity buyer for his life. The ratios for credit scores, automatic loan repayments, and life security subsidies are based on three equal distributions, but they may be mutually different.

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Here, the loan automatic repayment function serves as collateral of the loan when the product buyer wants to apply for the loan.

Preferably, the consumer asset processing module 120 includes a credit score processing module 121, an automatic repayment processing module 122, and a grant processing module 123.

The credit score processing module 121 allows a product buyer (a registered product buyer, hereinafter to be omitted) to purchase a product through an online shopping mall (an online shopping mall included in a consumer asset system or affiliated with a consumer asset system). Each time, a credit score is calculated according to the purchased value and recorded in the database 140. The credit score may be sold to other product buyers in the auction processing module 130 as requested by the product buyers when desired.

The automatic repayment processing module 122 sets the loan automatic repayment as collateral for the loan when the product buyer wants a loan for a predetermined amount.

At this time, the automatic repayment processing module 122 performs collateral setting for all or part of the automatic repayment of the loan. For example, if the automatic loan repayment accumulated to the buyer of the product is 1 million won, and the desired loan is 200,000 won, the automatic repayment of the loan may be 500,000 won for 200,000 won.

This is to offset the loan with the automatic loan repayment equivalent to the remaining 500,000 won if the buyer cannot pay the loan.

This is not to collect bonds for buyers of goods.

Therefore, the automatic repayment processing module 122 always sets the loan automatic repayment amount corresponding to the amount more than the purchaser wants the loan as collateral, in case a problem occurs in the recovery of the loan repayment set as collateral Leave the loan repayment automatically corresponding to the loan.

The subsidy processing module 123 is a certain percentage of the purchased value every time a product buyer purchases a product through an online shopping mall (an online shopping mall included in a consumer asset system or affiliated with a consumer asset system). The amount equivalent to 0.2% of the estimated value) will be earned as living security support funds. The subsidy processing module 123 may be provided with cash, or a corresponding item (in this case, a product according to a predetermined standard) when the product buyer needs funds due to excessive consumption or lack of living funds. ) Can be paid.

Here, the amount credited in the credit score processing module 121, automatic repayment processing module 122, and the subsidy processing module 123 is accumulated according to a predetermined ratio.

For example, assuming that the sales margin is 1000 and the ratio set for the credit score processing module 121, the automatic repayment processing module 122, and the grant processing module 123 is 4: 3: 2, the sales margin for the product 1000 won is earned 400 won, 300 won 200 won for the credit score processing module 121, automatic repayment processing module 122, and grant processing module 123, respectively.

The database 140 includes information on each product buyer registered in the consumer asset system, the accumulated consumer asset for each registered product buyer, and each item for the consumer asset (credit score, loan automatic repayment, and life security support). Have information about the cost of the stars.

3 shows an example of an online shopping mall opened by the applicant for commercialization. As shown, the consumer goods system registers goods mainly for daily necessities such as food, home appliances, and living / kitchen items, and the sale price of registered products is much larger than that of a normal online shopping mall or an offline store. not different. However, as shown in FIG. 3, the product has a feature of registering a product mainly for necessities of life that a product buyer needs to purchase in order to enjoy a chance of recovering even in a normal social life. When a product buyer purchases a product in the illustrated online shopping mall, consumer assets are accumulated in the product buyer's account.

Figure 4 shows an example of the payment method of the auction site opened by the applicant for commercialization.

In the figure, the "holding status" item shows basic information of the buyer of the goods, such as the amount of the buyer's credit score (HCP), the amount of the loan automatic repayment (HMP),

In the drawing, the "Sales" item allows a buyer to choose to participate in an auction using either credit score (HCP) or automatic loan payment (HMP).

The terms "auction period", "minimum bidder", "contact", and "deposit note" correspond to the items that are also required on a regular auction site. Figure 4 shows an example in which the consumer property system according to the present invention can be used for economic activity credit credit or automatic loan repayment earned by the goods buyers purchase goods for life. Consumer asset system according to the present invention is implemented mainly for those who are bad credit or other difficult financial transactions, but is not limited to this, of course, anyone who wants to use their consumption in economic activities can be used.

1 is a conceptual diagram of a consumer goods system according to the present invention;

2 is a block diagram according to an embodiment of a consumer property system;

3 is a view showing an example of an online shopping mall opened by the applicant for commercialization, and

Figure 4 shows an example of the payment method of the auction site opened by the applicant for commercialization.

* Description of the symbols for the main parts of the drawings *

100: consumer goods system 110: e-commerce module

120: consumer asset processing module 121: credit score processing module

122: automatic repayment processing module 123: subsidy processing module

130: auction processing module 140: database

Claims (15)

delete delete delete delete delete delete delete An electronic commerce module arranged for online commerce on a product; And When a commodity buyer purchases a commodity in the online shopping mall, the sales margin of the commodity is converted into a consumer value, which is a score for the credit of the commodity buyer, and credited to the account of the commodity buyer, and a portion of the consumer asset as collateral. And a consumer property processing module that performs loans to the product buyers and subtracts the customer assets corresponding to the loans from the account of the product buyers when the product buyers fail to pay back the loans. The consumer assets, credit score, automatic loan repayment, and life security support, The consumer asset processing module, characterized in that the portion of the automatic loan repayment set as collateral for the loan, and determines the value of the loan to the buyer of the product according to the credit score. delete The method of claim 8, The consumer asset processing module, If the buyer of the commodity loans the loan, if it is not valued, the consumer property system, characterized in that the balance of the automatic loan repayment to offset the loss for the loan. The method of claim 10, Consumer auction system further comprises; auction processing module for performing a sale on the consumer's consumer goods. The method of claim 11, The auction processing module, Consumer property system, characterized in that using the consumer property as an auction fee of the auction site. The method of claim 12, The auction fee, Consumer payment system, characterized in that paid separately or deducted from the automatic loan repayment or life security support of the consumer assets. The method of claim 11, The auction processing module, Allow trading on the credit score of the product buyer and the automatic repayment of the loan, Consumer property system, characterized in that the sale of the life security subsidy is not allowed. delete

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