KR101138415B1 - Method and System for Additional Interest Service related on Using rate of Culture Contents - Google Patents

Abstract

The present invention relates to a method and system for providing a bonus rate associated with cultural content.

To this end, the present invention sets a bonus rate to be provided according to the utilization rate of the cultural content in advance, and calls a list of customers who are to receive the bonus rate and the bonus rate corresponding to the actual utilization rate of the cultural content, and sets the preset interest rate to the bonus rate. It provides a way to change the bonus rate as much as possible. In addition, the present invention includes means for confirming the actual utilization of the cultural content; Means for calculating bonus interest rates; Means for preparing a list of customers to receive bonus interest rates; And a means for changing the interest rate set for the customer in the customer list by the bonus interest rate.

According to the present invention, by providing a bonus interest rate to the financial product subscription customers according to the usage rate of the specific cultural content, it can induce the public's interest in the corresponding cultural content, thereby promoting the cultural content, interest in the cultural content Branches can lead to financial product subscriptions to customers.

Interest rates, content, usage, viewership, advance rates, sales

Description

Method and system for providing bonus rates related to cultural contents {Method and System for Additional Interest Service related on Using rate of Culture Contents}

The present invention relates to a method and system for providing a bonus rate associated with cultural content. In particular, the present invention relates to a method and a system for providing a predetermined bonus rate according to the usage rate of cultural content such as the viewership rate for a specific program of television, the advancement rate for a movie, a play or a concert, the sales volume of a record or a book, and the like. .

Financial institutions may provide interest at a pre-set rate for customers who save money, or charge interest at pre-set rates for customers who borrow money. Customers of financial institutions may choose to save money by selecting products with high interest rates among various financial products, or borrow money by selecting products with low interest rates. As such, interest rates in financial institutions are used as a basis for customers to save or loan money.

Clients compare interest rates offered by many financial institutions and receive financial services through financial institutions that offer favorable interest rates, so financial institutions can attract high-grade customers, payroll customers, Internet users, etc. We may also offer bonus rates at preset default rates for customers who meet certain conditions.

On the other hand, due to the rapid development of modern science, modern people can enjoy material abundance and time. As a result, modern people have become more interested in cultural contents such as dramas, entertainment programs, movies, plays, concerts, records, and books.

An indicator that measures the public's interest in cultural contents such as dramas, entertainment programs, movies, music, books, etc. And the like can be used.

With the development of information and communication technology, it is possible to quickly and accurately count viewer ratings / advance rates / sales and the like, and the public can easily check the viewer ratings / advance rates / sales through the Internet. As viewership / booking rate / sales become easier to identify, viewership / booking rate / sales are not only used as indicators of public selection, but also for viewing dramas and entertainment programs, watching movies, plays and concerts, and recordings. It is also used as a selection criterion for the purchase of books.

As such, the public's interest in cultural contents has increased, but there are few financial products linked to cultural contents. In particular, there were no financial products to which variable interest rates were applied according to the viewership / booking rate / sales of cultural contents.

The technical problem to be achieved by the present invention is to provide a bonus rate in addition to the default rate set in advance according to the customer's utilization rate of cultural content such as TV programs, movies, plays, concerts, records or books, and a system therefor. To provide.

To this end, the method for providing a bonus rate according to an embodiment of the present invention is a method of providing a bonus rate according to the utilization rate of the cultural content, the method comprising: (a) setting a bonus rate to be provided according to the rate of use of the cultural content; (b) checking the actual utilization rate of the cultural content, and calling a bonus rate corresponding to the confirmed utilization rate; (c) calling a list of customers to receive bonus interest rates; And (d) changing the interest rate set for the customers in the customer list by the bonus interest rate.

In addition, the bonus rate providing system according to an embodiment of the present invention is a system for providing a bonus rate according to the utilization rate of the cultural content, means for confirming the actual utilization rate of the cultural content; Means for calculating a bonus interest rate to be provided according to the confirmed actual utilization rate; Means for preparing a list of customers to receive bonus interest rates; And means for changing the interest rate set for the customers in the customer list by the bonus interest rate.

According to the present invention, according to the utilization rate of the specific cultural content, by providing a bonus interest rate to the customer subscribed to the financial product, it can induce the public's interest in the cultural content, there is a cultural content promotion effect, the corresponding culture Encourage customers to sign up for financial products with customers who are interested in content.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise. In addition, the terms “… unit”, “… unit”, “module”, etc. described in the specification mean a unit that processes at least one function or operation, which may be implemented by hardware or software or a combination of hardware and software. have.

Now, with reference to the drawings will be described in detail the bonus rate providing system and the bonus rate providing method according to the utilization rate of the cultural content according to an embodiment of the present invention.

1 is a block diagram schematically illustrating a system for providing a bonus rate according to the utilization rate of cultural content according to an embodiment of the present invention.

Bonus interest rate providing system according to an embodiment of the present invention is composed of the cultural content utilization rate calculation system 110, network 120, bonus rate calculation server 130 and financial server 140.

According to an embodiment of the present invention, the cultural content utilization rate settlement system 110 is a system for calculating the public's utilization rate for a specific cultural content set in advance, and an audience rating for calculating a viewer's rating for a drama or entertainment program broadcasted through a TV. A survey system 112, a book rate settlement system 114 for calculating a book rate for a movie, a play, or a concert; a record / book sales amount counting system 116 for calculating a sale amount of a record or book.

The viewer rating / advance rate / sale amount calculated by the cultural content utilization rate settlement system 110 is transmitted to the bonus interest rate calculation server 130 located in the financial institution through the network 120. In this case, the network network 120 formed between the cultural content utilization rate settlement system 110 and the interest rate calculation server 130 may be implemented as a dedicated line network or an internet network established by a financial institution.

The bonus interest rate calculation server 130 stores a bonus rate set by a financial institution, a list of customers subscribed to the bonus rate providing product, and analyzes the viewership / reservation rate / sales amount delivered from the cultural content utilization rate settlement system 110, After extracting the list of customers to receive the bonus rate and the bonus rate to be provided, and performs the function to provide to the financial server 140. Here, the detailed function and structure of the bonus interest rate calculation server 130 will be described in detail with reference to FIG. 2.

The financial server 140 is a server that is located in a financial institution and performs a function of storing and managing data regarding various financial services provided by a financial institution such as deposit, loan, utility bill payment, transfer, and card use.

According to an embodiment of the present invention, the financial server 140 stores the list of deposit customers, the deposit interest rate data of each deposit customer, the loan customer list and the loan rate data of each loan customer, and the bonus from the bonus rate calculation server 130. Once the interest rate data and the list of customers to provide the bonus rate are passed, the final rate is calculated by changing the deposit or loan rate for that customer by the bonus rate.

2 is a block diagram schematically showing the internal configuration of the bonus rate calculation server according to an embodiment of the present invention.

The bonus interest rate calculation server 130 according to the embodiment of the present invention includes a data input / output unit 210, a bonus interest rate calculation unit 220, a bonus interest rate information generation unit 230, and a database unit 240.

The data input / output unit 210 receives the actual ratings / reservation rate / sales volume delivered through the network 120, passes the bonus to the interest rate calculation unit 220, and the bonus interest rate generated by the bonus interest rate information generation unit 230. It performs a function of transferring information to the financial server 140. Here, the bonus interest rate information includes a list of customers who are to receive the bonus rate and the bonus rate to be provided.

The bonus interest rate calculating unit 220 checks the actual ratings / booking rate / sales amount transmitted from the data input / output unit 210 and calculates a bonus rate to be provided to the customer. To this end, the bonus interest rate calculation unit 220 includes a viewer rating / advance rate / sales volume confirmation module 222 and the bonus interest rate calculation module 224.

The viewership / reservation rate / sales amount confirmation module 222 performs a function of confirming the actual ratings / reservation rate / sales amount delivered from the data input / output unit 210.

The bonus interest rate calculation module 224 determines the bonus interest rate to be provided to the customer. The bonus interest rate calculation module 224 is stored in the database unit 240 according to the viewership / reservation rate / sales rate / sales amount confirmed in the viewership / reservation rate / sales volume confirmation module 222. Call the bonus interest rate data, and serves to provide the bonus interest rate information generating unit 230.

Here, according to an embodiment of the present invention, two methods may be used to calculate a bonus rate according to the utilization rate of cultural content. The first method divides the utilization rate of the cultural content into a plurality of sections, sets different bonus rates to be provided for each divided section, and then the actual utilization rate identified through the cultural content utilization calculation system 110 is determined. It is a method of providing the customer with the bonus interest rate set in the included utilization interval. The second method sets a target utilization rate, which is a standard for providing a bonus interest rate in advance, and when the actual utilization rate confirmed through the cultural content utilization rate settlement system 110 exceeds the target utilization rate, the customer sets the bonus interest rate. How to give it. Here, the first method is preferably applied to a customer who subscribes to the bonus interest rate providing product before the cultural content is broadcasted or screened, and the second method is to subscribe to the bonus interest rate providing product while the cultural content is broadcasted or screened. It is desirable to apply to one customer.

Here, the bonus interest rate calculation module 224 providing the bonus interest rate according to the first method is only bonus interest rate data set in the section to which the viewership / reservation rate / sales volume checked by the viewership / reservation rate / sales volume check module 222 belongs. Call

However, the bonus interest rate calculation module 224, which provides the bonus interest rate according to the second method, calls the target utilization rate which is set in advance, and the actual viewership / reservation rate / sales volume confirmed in the viewership / reservation rate / sales volume confirmation module 222. It should be checked whether or not the called target utilization rate, that is, the target viewership / reservation rate / sales amount, is exceeded. To this end, the bonus interest rate calculation unit 220 may further include a utilization comparison module 226 for comparing the actual viewer rating / advance rate / sales amount and the target audience rating / advance rate / sales amount set in advance.

As a result of comparing the actual viewership / reservation rate / sales volume with the target viewership / reservation rate / sales volume through the utilization comparison module 226, if the actual viewership / reservation rate / sales amount exceeds the preset target viewership / reservation rate / sales amount, the bonus The interest rate data calculation module 224 performs a function of calling the preset bonus interest rate data from the database unit 240.

The bonus interest rate calculation module 224 transfers the bonus interest rate data called from the database unit 240 by the first method or the second method to the bonus interest rate information generation unit 230.

The bonus interest rate information generation unit 230 generates bonus interest rate information including the received bonus interest rate data and the customer information to which the bonus interest rate is applied, and then delivers the bonus interest rate information to the financial server 140. To this end, the bonus interest rate information generation unit 230 includes a calculation rate confirmation module 232, the customer information call module 234 and the bonus interest rate information generation module 236.

The calculated interest rate checking module 232 is a part of checking and temporarily storing bonus interest rate data received from the bonus rate calculating unit 220.

The customer information call module 234 is a part for calling the customer data to be applied to the bonus rate from the database unit 240. At this time, the customer information calling module 234 in the bonus interest rate calculation server 130 that provides the bonus interest rate according to the first method is mapped to the bonus interest rate data section confirmed through the calculation rate checking module 232. Call only customer data. To this end, the database unit 240 should store the customer data to be applied to the bonus interest rate for each bonus interest rate data section. However, the customer information calling module 234 in the bonus interest rate calculation server 130 that receives the bonus interest rate according to the second method may call all the customer data subscribed to the bonus interest rate offering product from the database unit 240. .

The bonus interest rate information generation module 236 combines the bonus interest rate data confirmed by the calculated interest rate checking module 232 and the customer data called through the customer information call module 234 to transmit the bonus interest rate to the financial server 140. Function to generate information.

The database unit 240 stores various data for calculating a bonus interest rate according to an embodiment of the present invention, and provides the stored data to the bonus interest rate calculation module 224 or the customer information calling module 234. To this end, the database unit 240 is composed of a database management module 242 and the bonus interest rate database 244.

The database management module 242 serves to call and provide data requested from the bonus interest rate calculation module 224 or the customer information call module 234 from the bonus interest rate database 244. In addition, the database management module 242 is a part for storing data in the bonus interest rate database 244 or for editing, deleting, or modifying the stored data.

The bonus interest rate database 244 is a database that stores various data for calculating the bonus interest rate.

The bonus interest rate database 244 in the bonus interest rate calculation server 130 provided with the bonus interest rate according to the first method may include splitting information of the bonus interest rate data section, bonus rate data provided according to each bonus rate data section, and each bonus. Stores the customer data to receive the bonus interest rate set for each interest rate data interval.

On the other hand, the bonus rate database 244 in the bonus rate calculation server 130 provided with the bonus rate according to the second method is to receive the target rate set in advance, bonus rate data provided when the target rate is achieved, bonus rate Store customer data.

3 is a flowchart illustrating a bonus interest rate setting method according to a first embodiment of the present invention.

For a first method of providing bonus rates differently set according to each utilization interval, financial institutions may use the rate of use of cultural content to provide the bonus rate, that is, the viewer rating of a broadcast content such as a drama or entertainment program, a movie, a play or Predicting the sale rate of a performance content such as a concert, the sales volume of a record or a book, etc., and dividing the predicted viewership rate, advance rate rate, and sale amount into a plurality of sections.

For example, if you want to provide a bonus interest rate according to an embodiment of the present invention for a particular drama, financial institutions may set the expected audience rating interval of the drama 0% -10%, 11% -15%, 16-20%, 20% Each of the above sections may be divided (S310).

And, for each of the segmented expected viewer rating / advance rate / sales interval, if the corresponding viewer rating / advance rate / sales volume is achieved, the bonus interest rate to be provided to the customer is determined.

For example, if the expected audience rating segment for a particular drama was split as described above, financial institutions would expect a 0.25% bonus rate for viewer ratings 0% to 10%, a 0.5% bonus rate for viewer ratings 11% to 15%, In the section of 16-20% viewer rating, a bonus rate of 0.75% may be set, and a bonus rate of 1.0% may be set in a section having a viewer rating of 20% or more (S320).

In operation S310 and S320, when the bonus interest rate for the viewership / reservation rate / sales amount of the specific cultural content is determined, the determined viewership / reservation rate / sales amount and the bonus interest rate are matched and stored in the database unit 240 (S330).

Through the steps S310 to S330, when a bonus interest rate providing product for a specific cultural content is generated, the financial institution sells the bonus interest rate providing product to the customer. The customer who wants to subscribe to the product selects a section of viewership / reservation rate / sales volume predicted for the corresponding cultural content (S340).

The bonus interest rate calculation server 130 stores or maps the customer information of the corresponding subscription customer in the viewer rating / advance rate / sales volume section selected from the subscription customer (S350).

According to the method, when the bonus interest rate offering product setting of the specific cultural content is completed, the financial institution may provide the bonus rate set according to the actual viewership / reservation rate / sales volume of the corresponding cultural content.

4 is a flowchart illustrating a bonus interest rate providing method according to a first embodiment of the present invention.

A financial institution that sells a bonus interest rate offering of a specific cultural content checks the actual viewership / reservation rate / sales volume received from the viewership survey system 112, the reservation rate settlement system 114, or the record / book sales volume aggregation system 116. . At this time, it is preferable that the confirmation of the viewership / reservation rate / sales amount for providing the bonus interest rate is performed for a specific period set in advance (S410).

When the actual viewership / reservation rate / sales volume is counted from the cultural content utilization rate settlement system 110, the database unit 240 stores bonus interest rate data set in the viewership / reservation rate / sales volume section including the confirmed actual viewership / reservation rate / sales volume. Call from (S420).

Then, the information on the subscription customer who predicts the viewer rating / booking rate / sales volume section including the actual viewer rating / booking rate / sales amount is called from the database unit 240 (S430).

When bonus interest rate data is called through the bonus interest rate calculation module 224, and customer information is called through the customer information call module 234, the bonus interest rate information generation module 236 uses the bonus interest rate including interest rate data and the customer information. Generates information and transmits the generated bonus interest rate information to the financial server 140 (S440).

The financial server 140 receiving the bonus interest rate information calls the customer information included in the bonus interest rate information to check the set basic interest rate. Then, the final interest rate is calculated by summing bonus interest rates included in the confirmed basic interest rates and bonus interest rate information and applying them to the corresponding customers (S450).

5 is a flowchart illustrating a bonus interest rate setting method according to a second embodiment of the present invention.

For a second method of providing bonus rates in accordance with a predetermined target rate of use, financial institutions may use the rate of use of cultural content to offer bonus rates, ie, viewer ratings for broadcast content such as dramas or entertainment programs, movies, plays or The target audience rating / booking rate / sales volume is set by predicting the selling rate of performance content such as a concert, the sales volume of a record or a book (S510).

When the target audience rating / booking rate / sale amount is exceeded, the bonus interest rate to be provided to customers who subscribe to the bonus interest rate providing product is determined (S520).

For example, when a bonus rate according to an embodiment of the present invention is to be provided for a specific drama, a financial institution may set a target audience rating of 20% and a bonus rate provided when the target audience rating is exceeded to 1%.

Through such a step, the determined target audience rating / booking rate / sales amount and bonus interest rate are stored in the database unit 240.

Through the steps S510 to S520, when a bonus interest rate offer product for a specific cultural content is generated, the financial institution sells the bonus interest rate offer product to the customer, and the customer information subscribed to the product is stored in the database unit 240. It is stored (S530).

According to this method, when the setting of the bonus interest rate offering product for a specific cultural content is completed, the financial institution may provide the bonus interest rate set according to the result of comparing the actual viewership / booking rate / sale amount and the target viewership / booking rate / sale amount of the cultural content. do.

6 is a flowchart illustrating a bonus interest rate providing method according to a second embodiment of the present invention.

A financial institution that sells a bonus interest rate offering of a specific cultural content checks the actual viewership / reservation rate / sales volume received from the viewership survey system 112, the reservation rate settlement system 114, or the record / book sales volume aggregation system 116. . At this time, it is preferable that the confirmation of the viewership / reservation rate / sales amount for providing the bonus interest rate is performed for a specific period set in advance (S610).

When the actual viewership / reservation rate / sales volume is counted from the cultural content utilization rate settlement system 110, it is compared with the target audience rating / reservation rate / sales volume set in advance to determine whether the actual viewership / reservation rate / sales amount reaches the target viewership / reservation rate / sales volume. Check (S620).

As a result of comparing the actual viewership / reservation rate / sales volume with the target viewership / reservation rate / sales volume, and confirming that the actual viewership / reservation rate / sales amount reached the target viewership / reservation rate / sales amount, the bonus interest rate calculation module 224 is set in advance. The bonus interest rate data is called (S630).

Then, through the customer information calling module 234, the information of the customer subscribed to the bonus interest rate offering product is called from the database unit 240 (S640).

When the bonus interest rate data and the customer information are called, the bonus interest rate information generation module 236 generates bonus interest rate information including the interest rate data and the customer information and transmits the generated bonus rate rate information to the financial server 140 (S650). ).

The financial server 140 receiving the bonus interest rate information calls the customer information included in the bonus interest rate information, and then calculates the final interest rate by adding the bonus interest rate to the basic interest rate set for the customer. Then, the calculated final interest rate is applied to the customer (S660).

Here, in the bonus interest rate providing method according to an embodiment of the present invention, the bonus interest rate providing method according to the first embodiment of the present invention and the bonus interest rate providing method according to the second embodiment are applied to the embodiment of the present invention. According to the bonus rate providing method can be implemented in various ways.

As one embodiment, whenever the actual viewership / reservation rate / sales amount exceeds a predetermined range of the predetermined viewership / reservation rate / sales amount, the predetermined bonus interest rate may be additionally provided. According to this method, if you offer a bonus rate that reflects the viewership of a particular drama, the base rate is provided from 0% to 10%, the bonus rate is 0.25% when the viewership exceeds 10%, and the 0.25% bonus rate when the viewership exceeds 15%. Bonus rates can be offered to subscribing customers through additional offerings, and an additional 0.25% bonus rate for more than 20% viewership.

In addition, according to the bonus interest rate providing method according to an embodiment of the present invention, the subscription customer predicted the actual viewership / advancement rate / sales volume may be provided with the bonus interest rate, but the subscription customer who incorrectly predicted the actual viewership / advancement rate / sales volume is a bonus No interest rates can be provided. However, in actually implementing the bonus interest rate providing method according to an embodiment of the present invention, by setting a predetermined negative interest rate in advance, the negative interest rate set for the subscribed customer who incorrectly predicted the actual viewership / reservation rate / sales volume to the base interest rate. By summing, the present invention may be implemented such that a certain amount of loss occurs.

In the above description, as a criterion for determining the bonus interest rate, it was described based on the audience rating of the broadcast program, the reservation rate of the play, the movie or the concert, and the sales volume of the record or the book, but the broadcasting ranking, the box office ranking, the best seller Various indicators, such as rank and seat occupancy, can be used as a basis for determining bonus rates.

The embodiments of the present invention described above are not only implemented by the apparatus and method but may be implemented through a program for realizing the function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded, The embodiments can be easily implemented by those skilled in the art from the description of the embodiments described above.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

1 is a block diagram schematically showing a system for providing a bonus rate according to the utilization rate of cultural content according to an embodiment of the present invention;

2 is a block diagram schematically showing the internal configuration of the bonus rate calculation server according to an embodiment of the present invention;

3 is a flowchart illustrating a bonus interest rate setting method according to a first embodiment of the present invention;

4 is a flowchart illustrating a bonus interest rate providing method according to a first embodiment of the present invention;

5 is a flowchart illustrating a bonus interest rate setting method according to a second embodiment of the present invention;

6 is a flowchart illustrating a bonus interest rate providing method according to a second embodiment of the present invention.

Claims (14)

In the way that the bonus rate providing system provides the bonus rate, Setting a bonus rate to be provided according to the utilization rate of the cultural content; Receiving an actual usage rate of the cultural content from a cultural content usage rate calculation system for calculating a usage rate of the cultural content, and calling a bonus rate corresponding to the received actual usage rate; Calling a customer list to receive the bonus interest rate; And Changing the interest rate set for the customer in the customer list by the bonus interest rate Bonus interest rate providing method. delete The method of claim 1, Calling the bonus interest rate, Receiving an actual utilization rate of the cultural content; Identifying a utilization interval including the actual utilization among a plurality of utilization intervals; And Calling a bonus rate set in the checked utilization section Bonus interest rate providing method. delete The method of claim 1, Calling the bonus interest rate, Receiving an actual utilization rate of the cultural content; Comparing a predetermined target utilization rate with the actual utilization rate; And If it is confirmed that the actual utilization rate exceeds the target utilization rate, calling a preset bonus rate Bonus interest rate providing method. In a system that provides bonus interest rates, First means for receiving an actual utilization rate of cultural content from a cultural content utilization rate calculation system for calculating a utilization rate of the cultural content; Second means for calculating a bonus interest rate to be provided according to an actual utilization rate received through said first means; Third means for creating a list of customers to receive the bonus interest rates; And Fourth means for changing the interest rate set for a customer in the customer list by the bonus interest rate Bonus interest rate provision system that includes. delete delete The method of claim 6, The second means, Means for checking a utilization interval including an actual utilization rate received through the first means among a plurality of utilization intervals; And Means for calculating a bonus interest rate set in the utilization period including the actual utilization Bonus interest rate provision system that includes. delete delete The method of claim 6, The second means, And comparing the actual utilization rate received through the first means with the target utilization rate, and confirming that the actual utilization rate has reached the target utilization rate. delete delete

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