KR101062735B1 - Devices and System for Supporting Financial Service by Pre-purchase Request - Google Patents

Abstract

The present invention relates to a financial service providing method and system according to an advance purchase application. Preferably, the financial service providing system according to the pre-purchase application, at least one or more customer information (or customer) of at least one or more customers applying for the purchase of the goods (or goods) in response to at least one or more goods (or goods) sales conditions The storage medium storing payment means information) and the customer purchasing the goods (or goods) in connection with the storage medium when the customer purchases the goods (or goods), and confirms whether the customer is already stored in the storage medium, As a result of the checking of the information, when the customer who purchases the goods (or goods) is a customer who is already stored in the storage medium, the server includes a server that provides the customer with a predetermined financial service corresponding to the purchase of the goods (or goods).

As a result, financial institutions can leverage the vast customer base they have to purchase non-financial product groups that have strong customer needs (at the same time as single purchases with co- or co-purchase scales). By assisting customers to purchase, it can bring in good customers and revitalize good customer activities, generate commission profits for discounted sales, and generate profits from additional financial demand services.

Pre-Order and Application

Description

Devices and System for Supporting Financial Service by Pre-purchase Request}

1 is a simplified configuration diagram of a financial service providing system according to a pre-purchase application according to a preferred embodiment of the present invention.

2 is a simplified block diagram of an information storage medium according to a preferred embodiment of the present invention.

3 is a simple flowchart of a financial service providing process according to a pre-purchase application according to a preferred embodiment of the present invention.

Figure 4 is a schematic diagram showing a financial service providing process according to the pre-purchase application according to a preferred embodiment of the present invention.

5 is a block diagram schematically illustrating a financial service providing process according to a pre-purchase application according to another preferred embodiment of the present invention.

Figure 6 is a schematic diagram showing a financial service providing process according to the pre-purchase application according to another preferred embodiment of the present invention.

<Description of main parts of drawing>

100: financial service providing server (or device) 105: information verification means

110: information storage means 115: financial service providing means

120: information receiving means 125: information providing means

130: information derivation means 135: payment method confirmation means

140: means for selecting financial services 145: storage medium

150: client terminal

The present invention utilizes an immense customer base held by financial institutions to purchase a group of non-financial products with strong customer purchase needs at an optimal price (single purchase with co-purchase or co-purchase scale), which is linked to various financial services. The present invention relates to a method and a system for providing a financial service according to a pre-purchase application of an article (or a product) that a customer can purchase.

Financial products are being released and developed in a wide variety of categories as the financial infrastructure, such as online and offline development, and customers' interest in financial management and finance continue to increase. As this is getting fiercer, there is an urgent need to develop financial products that can take the lead over competitors.

In this environment, the present invention provides a service in which financial products and non-financial products are linked, thereby increasing the purchasing power through financial support for customers with high discount rates and loans, leases, and installments, which are hard to imagine.

In addition, the present invention enables payment of various channels through the financial support when payment of the purchase price of the non-financial product.

An object of the present invention for solving the above problems, at least one of the at least one customer applying for the purchase of the goods (or goods) in response to the conditions for selling at least one or more goods (or goods) in a predetermined information storage means The above customer information (or customer payment means information) is stored in a predetermined storage medium, and when the customer (or product) is purchased, the predetermined information checking means purchases the article (or product) in association with the storage medium. If the customer to check whether the customer is already stored in the storage medium, and as a result of the information check, the customer to purchase the goods (or goods) is a customer already stored in the storage medium, a predetermined financial service providing means to the customer Financial services in accordance with the pre-purchase application to provide a predetermined financial service corresponding to the purchase of the goods (or goods) It may provide a method and system to provide.

In addition, another object of the present invention, at least one or more customer information (or customer payment means information) of at least one or more customers applying for the purchase of the goods (or goods) in response to at least one or more goods (or goods) sales conditions Information storage means for storing the data in a predetermined storage medium, and when the customer (or product) of the customer purchases, the customer who purchases the article (or product) in association with the storage medium is a customer previously stored in the storage medium. As a result of the information checking means and the information checking result, if the customer who purchases the goods (or goods) is a customer who is already stored in the storage medium, the predetermined financial service corresponding to the purchase of the goods (or goods) is provided to the customer. The present invention provides a financial service providing apparatus according to an advance purchase application having a financial service providing means.

Financial service providing method according to the pre-purchase application according to the present invention for achieving the above object, at least one of applying for the purchase of the goods (or goods) in response to the conditions for selling at least one or more goods (or goods) in a predetermined information storage means; An information storing step of storing at least one customer information (or customer payment means information) of at least one customer on a predetermined storage medium; and when the article (or product) of the customer is purchased, An information checking step of confirming whether the customer who purchases the goods (or goods) in association with the storage medium and the customer who purchases the goods (or goods) is already stored in the storage medium. , A predetermined financial service providing means corresponds to a predetermined purchase corresponding to the purchase of the article (or product) to the customer. It characterized in that comprises a financial service provider comprising: providing a convergence service.

In addition, the present invention may be configured to further include an information providing step of providing at least one or more items (or goods) sale condition information to at least one or more customer terminals in a predetermined information providing means.

In addition, the present invention, the information receiving step of receiving the goods (or goods) purchase application information from at least one or more customer terminals in a predetermined information receiving means and the article received by the information receiving means in a predetermined information derivation means ( Or merchandise) purchase application information may be further included to derive information for deriving total article (or product) purchase application quantity information and / or total article (or product) purchase application customer quantity information.

In addition, the present invention, in response to the payment method confirmed through the payment method confirmation step and the payment method confirmation step for confirming the payment method corresponding to the purchase of the goods (or goods) from the customer, the financial to provide to the customer The financial service selection step of selecting and / or extracting a service may be further included.

According to the present invention, each of the above steps for implementing the financial service providing method according to the above-described pre-purchase application is preferably executed through a single server or through a plurality of different servers or terminals.

Further, according to the present invention, the at least one or more goods (or goods) sales conditions, the discount sales conditions of the goods (or goods), financial service provision conditions for each payment means used when purchasing the goods (or goods), incentive conditions It is preferable to include at least one.

Herein, the financial service provision condition is a condition for performing a service without a condition of a predetermined joint purchase (or a single purchase having a joint purchase scale) at a conditional and / or event or customer gratitude that satisfies a certain product subscription or a predetermined condition. Possible unconditional inclusion.

In addition, the incentive condition is a condition that can be provided in response to the discount conditions provided when purchasing the goods (or goods) of the customer, the deposit interest rate increase, loan interest rate reduction, service free (or discount) provided, premium payment, quality It may include at least one or more, such as providing a warranty fee, granting priority to a predetermined service.

In addition, according to the present invention, the at least one or more items (or goods) sales conditions, product-related matters and payment conditions, including price conditions, discount conditions, options, preferences, payment conditions, delivery conditions, additional services, etc. It is preferable to include at least one.

In addition, according to the present invention, a predetermined financial service corresponding to the purchase of the goods (or goods), loan services, insurance services provided to the customer (the goods) purchase customers in response to the purchase of the goods (or goods) Preferably, at least one lease service, installment service, at least one payment means increase service.

In addition, the product (or product) to be purchased and / or sold, characterized in that it comprises a financial product, it is preferable that the purchase of the product (or product) comprises a financial product subscription.

In addition, according to the present invention, it is preferable that the customer (or product) purchase customer comprises an individual customer and / or a corporate customer.

On the other hand, the present invention is characterized in that it comprises a recording medium recording a computer-readable program for executing the method of providing a financial service according to the at least one pre-purchase application described above.

Hereinafter, a method and a system for providing a financial service according to a pre-purchase application proposed by the present invention will be described in more detail with reference to the accompanying drawings. First, predetermined reference numerals are added to components illustrated in the drawings. do. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

In addition, in describing the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a simple configuration diagram of a financial service providing system according to a pre-purchase application according to a preferred embodiment of the present invention.

1 is a simplified configuration diagram of a system for applying for pre-purchase of an article (or product) in accordance with the present invention and at least one article (or product) sale condition and providing a corresponding financial service.

Referring to FIG. 1, the illustrated system includes at least one or more pieces of customer information (or customer payment means information) of at least one or more customers who apply to purchase the item (or goods) in response to at least one or more items (or goods) sales conditions. In the storage medium 145 and the customer's purchase of the goods (or goods), the customer who purchases the goods (or goods) in conjunction with the storage medium 145 is stored in the storage medium 145 If the customer confirms that the customer is the customer who purchases the goods (or goods), the customer is already stored in the storage medium 145, a predetermined financing corresponding to the purchase of the goods (or goods) to the customer It characterized in that it comprises a server (or device) 100 for providing a service.

According to the present invention, the server (or device) 100 on the system allows the customer to purchase at least one or more goods (or goods) as effectively as possible in response to the terms of sale of the at least one or more goods (or goods) (e.g., a reasonable discounted price). Co-purchase or single-purchase, etc. having a joint purchase scale), wherein when the customer (or product) is purchased by the customer, the terms of sale for the product (or product) applied to the customer are It may include at least one or more of the terms and conditions of the sale of the goods (or goods), financial service provision conditions for each payment method used when purchasing the goods (or goods).

Preferably, the financial service provided to the customer, loan service, insurance service, lease service, installment service, payment means provided to the customer (or product) purchase customer in response to the purchase of the product (or product) of the customer It may include at least one limit increase service.

According to the present invention, the server (or device) 100 (e.g., a financial institution, etc.) can share goods (or goods) (e.g., non-financial products, such as automobiles, etc.) with strong purchase needs from multiple customers at an appropriate discounted price. Purchasing (or purchasing alone with a co-purchase scale) may help customers to purchase in conjunction with various financial services that may be provided by the server (or device) 100 (eg, financial institutions, etc.).

Preferably, the server (or device) 100 is a financial company server (or device) 100 comprising a card company server, and / or bank server, and / or securities company server, and / or capital company server. In addition, according to another preferred method, the server (or device) 100, in conjunction with the at least one or more card company server, and / or bank server, and / or securities company server, and / or capital company server It may be a relay (or agency) server (or device) 100.

In addition, the server (or device) 100 is characterized in that it comprises a predetermined functional means for providing a financial service according to the pre-purchase application according to the present invention.

According to FIG. 1, the server (or apparatus) 100 includes information providing means 125, information storing means 110, information checking means 105, financial service providing means 115, and information. Receiving means 120, information derivation means 130, payment method confirmation means 135, financial service selection means 140 and the like may be provided.

Information providing means 125 of the server (or device) 100, at least one or more items (or goods) to at least one or more customer terminals 150 to provide financial services according to the pre-purchase application proposed in the present invention Information on sales conditions of at least one item (or product) corresponding to the information (for example, a condition of discount sale of the product (or product), financial service provision conditions for each payment method used when purchasing the product (or product), etc.). .

The information receiving means 120 of the server (or apparatus) 100 has at least one item (or product) sale condition information corresponding to at least one or more items (or goods) through the information providing means 125. After being provided to at least one or more customer terminals 150, the purchase request information for the article (or goods) is received from the customer terminal 150.

The information derivation means 130 of the server (or apparatus) 100 collects the goods (or goods) purchase application information received by the information receiving means 120 to obtain the total goods (or goods) purchase application quantity information. And / or the customer quantity information for the total article (or product) purchase application.

Preferably, through the information derivation means 130, by deriving the total product (or product) purchase application quantity information and / or the total product (or product) purchase application customer quantity information, the application quantity of the product (or product) And / or the number of applicants is valid for the purchase quantity and / or the number of applicants for which a predetermined discount condition is negotiated.

Information storage means 110 of the server (or device) 100, at least one or more customers of at least one or more customers who apply to purchase the goods (or goods) in response to at least one or more goods (or goods) sales conditions Information (or customer payment method information) is stored in a predetermined storage medium 145.

At this time, the information storing means 110, the customer information (or customer payment means information) to the purchase application (or goods) information of the customer, and / or the goods (or goods) sale condition information, and / Or in connection with a discount sale condition information of the article (or product) and / or financial service provision condition information for each payment condition (or means) used when purchasing the article (or product).

Information checking means 105 of the server (or device) 100, the customer information (or customer payment means information) through the information storage means 110 is the purchase application (or goods) information of the customer , And / or information on conditions of sale of the goods (or goods), and / or information on the sale of discounts on the goods (or goods), and / or financial services by payment terms (or means) used when purchasing the goods (or goods). After being stored in the storage medium 145 in association with the provision condition information, when the customer purchases the goods (or goods), the customer who purchases the goods (or goods) in association with the storage medium 145 is stored. Check whether the customer is already stored in the medium (145).

Here, the information checking means 105, the purchase information of the customer (or product), the login information, authentication certificate information, payment means information, unique ID information, biometric information, etc. provided from the customer, the storage medium ( By comparing the previously stored customer information in 145, it is possible to determine whether the customer is the customer who actually applied to purchase the goods (or goods).

The financial service providing means of the server (or device) 100, when the customer (or goods) of the customer purchases, as a result of the confirmation of the information checking means, the customer who purchases the goods (or goods) is the storage medium ( In the case of a customer previously stored in 145, a predetermined financial service corresponding to the purchase of the goods (or goods) is provided to the customer.

The payment method checking means 135 of the server (or device) 100 confirms the payment method (or payment condition) corresponding to the purchase of the goods (or goods) from the customer.

The financial service selection means 140 of the server (or device) 100 corresponds to the payment method (or payment condition) of purchase of the goods (or goods) of the customer confirmed through the payment method checking means 135. Thereby selecting and / or extracting financial services to be provided to the customer.

According to the present invention, each means provided in the server (or device) 100 is characterized in that it is provided in a single server (or device) or a plurality of different servers (or devices).

For example, the respective means provided in the server (or apparatus) 100 may be provided to a financial institution and / or a relay institution and / or a goods supply institution to provide a function of the corresponding means.

Referring to FIG. 1, the illustrated customer terminal 150 may be a wired (eg, client PC, ATM, KIOSK, landline, etc.) or a wireless terminal (eg, PCS (Personal Communication System), GSM (Global System for Mobile communications). ), PDC (Personal Digital Cellular), PHS (Personal Handyphone System), PDA (Personal Digital Assistant), smart phone, IMT-2000, etc.), at least one article from the server (or device) 100 (Or a product) is provided with the sale condition information, characterized in that the server (or device) 100 to provide the product (or product) purchase application information.

Preferably, the customer terminal 150, in connection with the server (or device) 100, to apply for the purchase of at least one or more goods (or goods) and / or the corresponding financial services (or goods) It is desirable to communicate with the server (or device) 100 via a highly secure communication session (eg under a public certificate management environment).

In addition, the customer terminal 150 receives at least one item (or product) selling condition information provided from the server (or device) 100, wherein the customer terminal 150, the server (or device) ), When receiving the predetermined article (or product) sales condition information providing page, the at least one item (or product) sales condition information provided by the article (or product) sales condition information page (eg, Information that is input or selected corresponding to the conditions for sale of the goods (or goods) by checking the conditions of sale of the goods (or goods) and financial service provision conditions for each payment method used when purchasing the goods (or goods) It characterized in that to provide to the server (or device) 100.

2 is a simplified block diagram of an information storage medium 145 according to a preferred embodiment of the present invention.

Referring to FIG. 2, the storage medium 145 shown in FIG. 1 is described above. According to the present invention, the storage medium 145 is a financial institution server and / or a server on a network associated with the financial institution. It may be provided in.

Preferably, the storage medium 145, at least one or more customer information (or customer payment means information) of at least one or more customers applying for the purchase of the goods (or goods) in response to at least one or more goods (or goods) sales conditions ) Is stored.

Here, the goods (or goods) sale condition information, characterized in that the information including at least one or more terms and conditions of the sale of the goods (or goods), financial service provision for each payment means used when purchasing the goods (or goods). It is done.

In addition, the customer information, including the name (or name) of the customer (for example, individual, private business, corporation, etc.), social security number (or corporate registration number or business registration number), unique ID, authorized certificate information, biometric information, etc. At least one of unique identifier information, credit rating, address, and the like may be included.

In addition, the customer payment means information, credit card payment means information, debit card payment means information, prepaid card payment means information, check card payment means information, electronic money payment means information, securities payment means information And at least one mobile (or wireless) payment means information.

In addition, the customer payment means information, the IC card payment means information, smart card payment means information, and part of the financial products, such as deposits and loans, and payment in full and offset payment and insurance.

The payment using the customer payment means may include partial and / or complex payment between the at least two payment means.

Preferably, the storage medium 145, at least one of the customer information (or customer payment means information), the goods (or goods) sales condition information and the financial service information to be provided to the customer to associate and store at least one It features.

Herein, the financial service information to be provided to the customer includes loan service information, insurance service information, lease service information, and installment service information provided to the customer (or product) purchase customer in response to the purchase of the product (or product) of the customer. It is characterized in that the financial service information comprising at least one payment means limit increase service information.

Preferably, the storage medium 145 may further include at least one item (or product) information (or list information) to be provided to the customer and purchase application information of the item (or product).

Here, the product (or product) information, name (or product name), product (or product) code, product (or product) price, product (or product) features, product (or product) manufacturer (or supplier), agency It may include at least one or more of the organization (or relay) information.

In addition, the purchase application information of the goods (or goods), the product (or goods) in order to derive the total goods (or goods) purchase application quantity information and / or the total goods (or goods) purchase application customer quantity information, Characterized in that the information is collected from at least one customer applying for purchase.

3 is a simple flowchart of a financial service providing process according to a pre-purchase application according to a preferred embodiment of the present invention.

Figure 3 shows the purchase of a group of non-financial products (for example, automobiles, etc.) with strong purchase needs according to the present invention at an appropriate discounted price (e.g., a single purchase with a joint purchase or a joint purchase scale, etc.), and provided by a financial institution. In connection with a variety of financial services, it is a flow chart illustrating a simplified process of providing a financial service in accordance with a pre-purchase application to enable a customer to purchase the non-financial product at an optimal price together with financial support.

Referring to FIG. 3, a process of providing a financial service according to a preferred line purchase application may include at least one of the information storage means 110 provided in the server (or device) 100 shown in FIG. One or more goods (or goods) information and corresponding goods (or goods) sale condition information may be started from a process of storing in a predetermined storage medium 145 in association with the server (or device) 100 ( 300).

In order to receive the pre-purchase request according to the present invention, the information providing means 125 of the server (or device) 100 is the at least one or more customer terminals 150 at least one item (or product) selling condition information Provide 305.

Here, the goods (or goods) sale condition information includes a condition of discount sale of the goods (or goods), financial service provision conditions for each payment means (or payment conditions) used when purchasing the goods (or goods), The customer may be provided with financial services corresponding to the purchase of the goods (or goods) in response to the goods (or goods) selling condition information.

When the customer checks at least one or more items (or goods) sale condition information provided from the server (or device) 100 and requests to purchase the at least one or more items (or goods), the server (or The information receiving means 120 of the apparatus 100 receives the at least one or more goods (or goods) purchase application information from the at least one or more customer terminals 150 (310).

Here, the goods (or goods) purchase application information may include reservation information, such as (auto) repurchase of the goods (or goods) and / or purchase request for the goods (or goods) in the future.

Then, the information storage means 110 of the server (or device) 100 is the at least one or more goods (or goods) purchase request customer information (or customer payment means information) to the goods (or goods) information and / or In operation 315, the storage medium 145 is stored in the storage medium 145 in association with the sale condition information.

In this case, the information derivation means 130 of the server (or device) 100 may perform a predetermined cycle and / or a predetermined agreement (eg, a discount condition for each purchase quantity and a minimum order quantity) concluded with a provider of the article (or product). Etc.) (320) to collect the goods (or goods) purchase application information provided from the at least one or more customers.

Further, the information derivation means 130 derives the total article (or product) purchase application quantity and the total article (or product) purchase application customer quantity information based on the collected article (or product) purchase application information ( 325).

Here, the total article (or product) purchase application quantity and the total article (or product) purchase application customer quantity information and the like derived through the information derivation means 130 are delivered to the article (or product) provider, and the article ( Or, it is preferable to settle the discounted purchase amount by the quantity of the joint purchase (or the single purchase having the collective purchase scale) of the product).

According to the present invention, when there is a request to purchase goods (or goods) from at least one or more customers who have agreed to purchase at least one item (or goods) (330), the server (or device) 100 The information checking means 105 refers to the goods (or goods) in the storage medium 145 by referring to the customer information (eg, login information, certificate information, unique identification code, etc.) of the customer (or product) request for purchase of the goods (or goods). Check whether the customer is already stored as an application for purchase for the customer (335).

Here, as a result of confirming the information confirming means 105, if the customer (or product) purchase request customer is a customer previously stored in the storage medium 145 as a purchase request customer of the product (or product) (340), The payment method confirmation means 135 of the server (or device) 100 confirms the payment method (payment condition) corresponding to the purchase of the goods (or goods) from the customer (345).

When the payment method (or payment condition) of the customer who purchases the goods (or goods) is confirmed through the payment method checking means 135, the financial service calculating means 140 of the server (or device) 100 confirms the check. In response to the payment method (payment condition), a financial service to be provided to the customer is selected (350), and the calculated financial service is provided to the customer (or product) purchasing customer (355).

According to the present invention, the financial service provided to the customer in response to the payment method (payment condition), loan service, insurance provided to the customer (or product) purchase customer in response to the purchase of the product (or product) It may include at least one service, lease service, installment service, payment instrument limit increase service.

Figure 4 is a schematic diagram showing a financial service providing process according to the pre-purchase application according to a preferred embodiment of the present invention.

Figure 4 is an embodiment for providing a financial service according to the pre-purchase application in accordance with the present invention, by presenting at least one or more goods (or goods) terms of sale to at least one or more customers, the goods (or goods) of the customer At the time of purchase, a financial service provider that provides a predetermined financial service corresponding to the same, and applies for the purchase of goods (or goods) from the financial service provider, and when the goods (or goods) are purchased, the finance corresponding to the purchase of the goods (or goods). The number of customers who are provided with the service and the number of customers who apply for the purchase of the goods (or goods) from the financial service provider on a periodic basis, and by the quantity of the co-purchase (or the sole purchase with the size of the co-purchase) from the goods (or goods) provider. The relay agency (or agency) that pays the discount purchase amount, and the article (or product) for the relay agency (or agency) And that over the tube) that is implemented through the article (or product) provider to provide to the customer, characterized.

In addition, according to Figure 4, at least one or more functional means provided in the server (or device) shown in Figure 1 described above is provided in the financial service provider and relay agency (or agency) according to their respective roles. It is done.

Here, the relay agency (or agency) may include a specific financial institution and / or a separate legal entity and / or the financial service provider.

Referring to FIG. 4, first, a financial service provider selects a predetermined agreement (eg, a merchandise for sale (or merchandise) with an agency and / or an article (or merchandise) provider) for providing financial services in accordance with a pre-purchase application according to the present invention. It is advisable to conclude the purchase volume, terms of discounts, minimum order quantity, etc.).

The financial service provider recruits discounted conditional customers for the goods (or goods) that have been contracted for sale by providing the goods (or goods) information corresponding to the goods (or goods) sales conditions to the customer (1).

According to another preferred embodiment, in the process of recruiting the customer, the financial service provider provides an optimal advantageous offer of the article (or product) provider to the customer (eg, unspecified prospective customer and existing target customer, etc.). Customer recruitment.

In addition, an optimal advantageous offer of the goods (or goods) provider may be selected during the conclusion of the sales agreement and / or included in the terms of sale.

And, if there is a purchase request for the goods (or goods) from at least one or more customers (2), the financial service provider collects the information (or goods) purchase application information of the at least one or more customers on a periodic basis, Notify the relay agency (or agent) of the total goods (or goods) purchase application quantity information and / or the total goods (or goods) purchase application customer quantity information (3).

Then, the relay agency (or agency) is based on the total amount of goods (or goods) purchase request information and / or the total amount of goods (or goods) purchase request customer information received from the financial service provider, Commodity) pay the provider the discounted purchase price for the quantity of the joint purchase (or single purchase with the size of the joint purchase) (4), and the goods (or products) provider sends the goods according to the payment to the relay agency (or agency). (Or merchandise) at a discount (5).

Then, the relay agency (or agency) checks the payment method (or payment condition) of the goods (or goods) applied for the pre-purchase from the customer (6), and is required for each payment method (or payment condition). Notify the financial service provider of the financial service (7).

The financial service provider may provide loan services, insurance services, and the like provided to the customer who purchases the goods (or goods) in response to the purchase of the financial services (for example, the goods (or goods)) according to a payment method (or payment conditions). Lease service, installment service, payment limit increase service, etc.) to the customer (8), and the relay agency (or agency) to provide the customer's pre-purchased goods (or goods) to the customer. (9).

Figure 5 is a schematic diagram showing a financial service providing process according to the pre-purchase application according to another preferred embodiment of the present invention.

5 is another embodiment for providing a financial service according to a pre-purchase application according to the present invention. Unlike FIG. 4 described above, the financial service provider includes the relay agency (or an agency), or between financial services. When a provider assumes the duties of the relay agency (or agency), the financial service provider presents conditions for selling at least one or more goods (or goods) to at least one or more customers, thereby providing the goods (or Commodity), in addition to providing a corresponding financial service, the number of customers applying for the commodity (or commodity) is collected on a periodic basis, and the co-purchase (or co-purchase size) from the commodity (or commodity) provider is collected. It may further include a role of paying the discounted purchase amount by quantity.

Referring to FIG. 5, a financial service provider first selects a predetermined agreement (eg, selling goods (or goods) selection and discounted purchase volume) for providing financial services according to a pre-purchase application according to the present invention. Condition consultation, minimum order quantity, etc.).

According to FIG. 5, a financial service provider recruits a discount supply conditional customer for a product (or product) for which a sales agreement is concluded by providing the customer with the product (or product) information corresponding to the condition for selling the product (or product). (1) if there is an application for purchase of the goods (or goods) from at least one customer (2), and collects the application (or goods) purchase application information of the at least one or more customers on a periodic basis, Or product) purchase request information and / or total goods (or goods) purchase request customer quantity information (3).

In addition, the financial service provider jointly purchases (or supplies) the provider (or goods) based on the derived goods (or goods) purchase application quantity information and / or total goods (or goods) purchase application customer quantity information. The purchase price of a single purchase having a joint purchase size) is settled (4), and the goods (or goods) provider discounts and supplies the goods (or goods) according to the payment to the financial service provider (5).

In addition, the financial service provider confirms the payment method (or payment conditions) of the goods (or goods) applied for the pre-purchase from the customer (6), and the financial services required for each payment method (or payment conditions) are recalled. A loan service provided to a customer who purchases the goods (or goods) in response to a financial service provider (7), and in response to the purchase of a financial service (eg, the goods (or goods) by payment method (or payment terms) to the customer; , Insurance service, lease service, installment service, payment instrument limit increase service, etc.) to the customer (8) and the customer's pre-purchased goods (or goods) to the customer (9).

On the other hand, Figure 5 is described as an embodiment of recruiting the customers on the condition of a discount through the joint purchase of a non-financial product (article or goods), according to another embodiment, the financial service provider is a joint subscription of a specific financial product It is possible to purchase discounts and / or preferential discounts on other non-financial products (articles or commodities) through.

For example, an annual fee waiver (or a discount) on a particular card, and / or an interest rate discount on a credit loan may be performed for a group of customers who have subscribed to a specific deposit.

Figure 6 is a schematic diagram showing a financial service providing process according to the pre-purchase application according to another preferred embodiment of the present invention.

Figure 6 is an embodiment for providing a financial service according to the pre-purchase application according to the extended model of Figures 4 to 5 described above, the financial service provider shown in Figure 6 is a bank, which is linked through a predetermined network, It may be configured to include securities, insurance companies, cards, capitals and the like. Thus, customers can pursue more diverse financial services provided by each financial company.

In addition, according to FIG. 6, the financial service provider including a plurality of financial companies receives the customer (or product) purchase request customer and / or purchase application (or product) collection information for each period, and jointly from the non-financial product provider It may be configured to include a business agency that pays the amount of the discounted purchase amount by purchase (or single purchase with the size of the joint purchase).

In addition, in FIG. 6, the non-financial product provider may inherit the role of the article (or product) provider of FIGS. 4 to 5.

Preferably, referring to the financial service providing process shown in FIG. 6, the business agency may have a predetermined agreement (eg, sales) for providing financial services in accordance with the pre-purchase application according to the present invention with a non-financial product provider and / or financial service provider. It is advisable to conclude the selection of goods (or goods), negotiate the terms of the discount on purchases, the minimum order quantity, etc. (1).

First, a financial services provider announces to the at least one customer a financial instrument comprising a discount supply condition for a non-financial instrument with which the nonfinancial product provider has entered into a sales agreement (2), and from the at least one or more client When there is an application for subscription of a financial product including a discount supply condition for (3), the financial service provider collects subscription information for the financial product including a discount supply condition for the non-financial product on a periodic basis (4). ).

At this time, the financial service provider, based on the subscription information customer information of the financial products including the discount supply conditions for the collected non-financial products, the total goods (or products) purchase application quantity information and / or the total goods ( Or product) Derivation of customer request information to purchase and deliver to the business agency.

Then, the business agent refers to the non-financial product provider to the non-financial product provider by referring to the total goods (or goods) purchase application quantity information and / or the total goods (or goods) purchase application customer information received from the financial service provider. (5) A batch order will be performed.

Then, the business agent confirms payment terms and delivery time points through the customer and / or financial service provider (6), and notifies the financial service provider of the required financial services according to the payment conditions (7).

The financial service provider who has been notified of the financial service required by the business agency according to the payment condition, etc., responds to the purchase of the required financial service (eg, the article (or product) required by the customer), and the article (or product). Loan services, insurance services, leasing services, installment services, payment instrument limit increasing services, etc., provided to the purchasing customer (8).

When the necessary financial service is provided to the customer, the financial service provider notifies the business agency of the necessary financial settlement result (9), and the business agency notifies the non-financial product provider of the shipment instruction (10). The non-financial product provider will provide the delivery agent with confirmation of delivery of goods (11).

According to the present invention, through a method and system for providing a financial service according to a pre-purchase application of an article (or product), a financial institution may utilize a vast customer base that is held by the financial institution to optimally select a group of non-financial products with a strong purchase need. By purchasing at a price (co-purchase or single purchase with a co-purchase scale), it can be connected to various financial services so that customers can purchase it, which has the advantage of attracting superior customers and activating excellent customer activities.

In addition, a financial institution may generate a commission profit for the sale of a discount difference, and has an advantage of generating a profit from an additional financial demand service.

In addition, the customer may be provided with an optimal discount on (non) financial products or corresponding incentives (eg, deposit rate increase and / or loan rate decrease).

In addition, when a customer purchases a non-financial product, the customer may be provided with financial support, thereby reducing the purchase burden on expensive items (eg, automobiles).

In addition, the non-financial product provider can secure a large amount of new sales, and has the advantage of generating relatively low-cost sales.

Claims (4)

Information for storing customer information (or customer payment method information) of at least one or more customers applying for the purchase of goods (or goods) and financial service support condition information provided when the customer (or goods) is purchased on a predetermined storage medium. Storage means; When the customer purchases the goods (or goods), the customer who purchases the goods (or goods) in association with the storage medium is already stored in the storage medium, and confirms the financial service support conditions provided to the customer Information checking means; Financial service providing means for supporting a predetermined financial service to the customer in response to the request of the customer when the customer who purchases the article (or product) is a customer who is already stored in the storage medium; Payment method checking means for checking a payment method corresponding to the purchase of the goods (or goods) by the customer; And And a financial service selecting means for selecting and extracting a financial service to be provided to the customer in response to the confirmed payment method. delete According to claim 1, The predetermined financial service support conditions corresponding to the purchase of the goods (or goods), In response to the purchase of the goods (or goods), characterized in that it comprises at least one loan service, insurance service, lease service, installment service, limit payment service provided to the customer (or goods) purchase customers Financial service support device according to advance purchase application. Loan services and insurance provided to customers who purchase the goods (or goods) in response to the purchase of the goods (or goods) and customer information (or customer payment means information) of at least one or more customers applying for the goods (or goods) A storage medium for linking and storing financial service support condition information including at least one of a service, a lease service, an installment service, and a payment limit increase service; And When the customer purchases the goods (or goods), the customer who purchases the goods (or goods) in association with the storage medium is a customer already stored in the storage medium, and as a result of checking the information, the goods (or goods) If the customer who purchases the customer is already stored in the storage medium, the server for processing the predetermined financial service support corresponding to the financial service support condition information to the customer; Financial Services Support System.

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