KR101185388B1 - Sales method of electronic commerce using social shopping for finance instrument - Google Patents

Abstract

PURPOSE: An electronic commerce method using a social shopping for a financial product is provided to allow a service providing server to mediate a transaction of a financial product by using social shopping, thereby providing various information for various financial products to consumers through networks. CONSTITUTION: A service providing server registers a financial product receiving transaction consignment application as a transaction product(S100). The service providing server transmits product information of the financial product to a consumer terminal(S200). The service providing server transmits the product information to a social network service of the consumer(S300). The service providing server receives application for admission for the financial product(S500). The service providing server transmits application information of the consumer to a member store(S700). [Reference numerals] (S100) Step registering a financial product which transaction consignment application is received from a member store as a transaction product; (S200) Step transmitting product information of the financial product to a consumer terminal; (S300) Step transmitting the product information of the financial product to a social network service of a consumer; (S400) Step placing text by receiving the text for the financial product from a consumer terminal; (S500) Step receiving admission application by receiving registration information of the financial product from the consumer terminal; (S600) Step achieving the financial product purchase of the consumer when a predetermined condition is satisfied; (S700) Step transmitting application information of the consumer to the member store

Description

E-commerce method for financial products using social shopping {SALES METHOD OF ELECTRONIC COMMERCE USING SOCIAL SHOPPING FOR FINANCE INSTRUMENT}

The present invention relates to an electronic commerce method, and more particularly, to an electronic commerce method for a financial product using social shopping.

Conventional sales of financial products are carried out in a manner of encouraging product subscriptions through sales staff or brokers, and advertising of financial instruments relies on limited methods such as flyers provided by financial institutions and explanations of sales staff or brokers. . Although a number of financial products are being released from financial institutions, there are limited ways to actively promote specific matters, which causes the financial institutions to lose their will to develop various financial products. Consumers also feel uncomfortable in joining or using financial products due to limited information, and there is a limit in that it is difficult to compare various financial products in detail. In the case of a financial institution or a branch of a financial institution, in the case of joining a product through a recruiter or a broker, operating expenses are incurred by paying a fee, a financial accident caused by a performance-oriented one-way business method and product explanation, and confidence as a financial institution. Problems such as loss of weight are occurring. In particular, such a problem leads to the damage of consumers. Therefore, it is urgent to develop a way to provide abundant information on various financial products of various financial institutions and to induce the development and utilization of financial products through active and active consumption of consumers.

In addition, as the development of various financial products, the sale of large multinational financial products, or the emergence of intermediary corporations are expected due to the opening of the financial market, the implementation of the Capital Market Consolidation Act, etc. in the future, the financial consumption environment, which has been unilateral, has been focused on consumers. It is time to switch to the financial life environment.

Meanwhile, electronic commerce refers to the act of buying and selling goods using the Internet or PC communication. In particular, as social network services (SNS) have been widely spread in recent years, the social commerce boom, which is an e-commerce method using social media, has been rising. The term 'social commerce' was first introduced by yahoo in 2005. It can be classified into social link type, social web type, co-purchase type, and offline linked type. Among these, co-purchase is a combination of co-purchase sites and social network services. Since the foundation of Groupon in 2008, the global social commerce boom has taken place. In recent years, various social shopping such as meta commerce which integrates such social commerce and various social commerce sites have been activated.

In the case of general social shopping, the seller receives an application to attract a certain amount of discount coupons and sells it to the buyer, so that the operator of the social shopping receives a commission from the seller, and the buyer buys a product or uses the service at a discounted price. Can be. In addition, the seller sells goods or provides services at a discounted price, but has a great effect on advertisements, promotions, etc. In particular, a seller who launches a new product or opens a new business opens a lot of discount coupons using social shopping. However, in the case of financial products, due to various restrictions such as the obligation to explain the product, the development of an e-commerce method for selling financial products is not active.

The present invention has been proposed to solve the above problems of the conventionally proposed methods, the service providing server mediates the trading of financial products using social shopping, thereby providing a wealth of information about the various financial products through the network Can provide various benefits through the reduction of operating costs, and manage the contract conclusion information of the financial products to which the consumer subscribed to provide integrated management services of the financial products regardless of the financial institution. To provide an e-commerce method for a financial product using social shopping, the object is to provide.

In addition, the present invention, by allowing customers to share the reviews of financial products, etc. among the consumers, to convert the unilateral financial consumption environment to an active financial living environment through interaction between financial consumers and financial institutions, Another object of the present invention is to provide an e-commerce method for a financial product using social shopping, which can estimate and predict the marketability of the financial product by providing analysis data analyzing a consumer's preferred condition and the like to a financial institution.

An electronic commerce method for a financial product using social shopping according to a feature of the present invention for achieving the above object, a service for providing an electronic commerce method for receiving a product transaction consignment application using social shopping on behalf of the transaction of the product Providing server,

(1) registering a financial product received as a transaction consignment from a merchant as a transaction product;

(2) transmitting product information of the financial product to a consumer terminal;

(3) receiving subscription information from the consumer terminal, the application information including agreement of subscription terms of the financial product;

(4) closing a purchase of the financial product by a consumer if a predetermined condition is satisfied; And

(5) transmitting the application information of the consumer to the affiliated store,

The configuration feature is to provide a benefit according to the characteristics of the financial product to the consumer at the conclusion of the financial product subscription contract of the consumer who has applied for the subscription of the purchased financial product.

Preferably,

The method may further include receiving and posting an article regarding the financial product from the consumer terminal.

Preferably,

The method may further include transmitting product information of the financial product to the social network service of the consumer.

Preferably, the step (2) is,

(2-1) receiving at least one or more of a region, a type, an interest rate, a period, a fee, a discount rate, and a point accumulation from the consumer terminal;

(2-2) sorting the financial products according to the received condition and transmitting the sorted financial products to the consumer terminal; And

(2-3) receiving the selection of the financial product from the consumer terminal and transmitting the product information of the financial product.

More preferably, in step (5),

The analysis data analyzing the conditions input in the step (2-1) may be further transmitted to the affiliated store.

Preferably,

The method may further include receiving and storing member information from the consumer terminal and registering as a member.

More preferably,

The method may further include receiving the consumer's financial product subscription contract conclusion information from the affiliate store and storing and managing the consumer's member information together with the member's member information.

Preferably, the consumer terminal,

It may be a smart device installed with an application program for implementing an e-commerce method for a financial product using social shopping.

According to the e-commerce method for a financial product using social shopping proposed in the present invention, the service providing server brokers the transaction of the financial product using social shopping, thereby providing the consumer with abundant information on various financial products through the network. It can provide various benefits through the reduction of operating costs, and can provide integrated management services of the financial products subscribed to regardless of the financial institution by managing the contract conclusion information of the financial products the consumer subscribed.

In addition, according to the present invention, by allowing consumers to share the reviews, etc. about the financial products, to convert the financial consumption environment unilateral so far into an active financial living environment through interaction between financial consumers and financial institutions and In addition, financial data can be provided to financial institutions, etc., to analyze and analyze consumer's preferred conditions.

1 is a diagram illustrating a configuration of a system for implementing an e-commerce method for a financial product using social shopping according to an embodiment of the present invention.
2 is a diagram illustrating a flow of an e-commerce method for a financial product using social shopping according to an embodiment of the present invention.
3 is a diagram illustrating the detailed flow of step S200 in the e-commerce method for financial products using social shopping according to an embodiment of the present invention.
4 is a diagram illustrating a screen of a consumer terminal in which steps S210 and S220 are performed in an electronic commerce method for a financial product using social shopping according to an embodiment of the present invention.
5 is a flowchart illustrating a method of providing a subscription and subscription product management service in an e-commerce method for a financial product using social shopping according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, in order that those skilled in the art can easily carry out the present invention. In the following detailed description of the preferred embodiments of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. In the drawings, like reference numerals are used throughout the drawings.

In addition, in the entire specification, when a part is referred to as being 'connected' to another part, it may be referred to as 'indirectly connected' not only with 'directly connected' . In addition, the term 'comprising' of an element means that the element may further include other elements, not to exclude other elements unless specifically stated otherwise.

1 is a diagram illustrating a configuration of a system for implementing an e-commerce method for a financial product using social shopping according to an embodiment of the present invention. As shown in FIG. 1, a system for implementing an e-commerce method for a financial product using social shopping according to an embodiment of the present invention includes a service providing server 100, an affiliated store 200, and a consumer terminal 300. It may be configured to include).

The service providing server 100 may provide an electronic commerce method that receives a transaction consignment application for a financial product using social shopping and acts on behalf of a product transaction. The service providing server 100 may allow the consumer terminal 300 to connect through the network and allow the consumer to purchase a financial product through social shopping.

The merchant 200 is a kind of seller who wants to advertise and sell financial products through an e-commerce method for financial products using social shopping according to an embodiment of the present invention. In the present invention, the financial product is used in a comprehensive sense, and means a variety of products handled by financial institutions, such as general deposits, savings, loans, installments, leases, trusts, insurance, pension savings, earned pensions, funds, credit cards, etc. do. The affiliated store 200 may be a financial institution that handles such financial products, but may be a branch of a financial institution, a social commerce company that is entrusted with a transaction from a financial institution, or a branch thereof. That is, the electronic commerce method provided by the present invention may be implemented by providing a service providing server as well as a meta commerce site and a portal site connecting various social commerce companies.

The consumer terminal 300 is a terminal of a consumer who wants to purchase a financial product through an e-commerce method for a financial product using social shopping according to an embodiment of the present invention. The consumer terminal 300 may be a computer, a laptop, a mobile communication terminal, or the like, or may be a smart device such as a smartphone, a tablet PC, a smart TV, or the like. However, the consumer terminal 300 is not limited to the form of the terminal as listed, and if the electronic commerce method according to the present invention can be used by accessing the service providing server 100 through a network, it is related to the form of the specific terminal. Without the role of the consumer terminal 300 of the present invention can be any number. In particular, the consumer terminal 300 may be a smart device installed with an application program for implementing an electronic commerce method for a financial product using social shopping.

2 is a diagram illustrating a flow of an e-commerce method for a financial product using social shopping according to an embodiment of the present invention. As shown in Figure 2, the electronic commerce method for financial products using social shopping according to an embodiment of the present invention, the step of registering a financial product received a transaction consignment application from the merchant 200 as a transaction product (S100) ), Transmitting the product information of the financial product to the consumer terminal 300 (S200), receiving the application information of the financial product from the consumer terminal 300 and receiving a subscription application (S500), if the predetermined condition is satisfied It may be implemented, including the step of closing the purchase of the financial product of the consumer (S600) and the step of transmitting the application information of the consumer to the affiliated shop (S700), and transmits the product information of the financial product to the social network service of the consumer. It may be implemented by further including the step (S300) and the step (S400) to receive and post the article about the financial product from the consumer terminal (300).

In operation S100, the service providing server 100 may register a financial product that has received a transaction consignment application from the affiliate store 200 as a transaction product. The financial products registered by the service providing server 100 as transaction products may be various products handled by financial institutions such as deposits, savings, loans, installments, leases, trusts, insurance, pension savings, pensions, funds, and credit cards. . Such financial products may be immediately subscribed by the consumer's application for registration, but in some cases, identity verification or credit inquiry may be required. Therefore, in the present invention, even if the purchase of the financial product is made after the subscription application, it can be registered as a transaction product by notifying the content that later inquiry or examination is necessary.

On the other hand, the financial product registered as a transaction product in step S100, a specialized dedicated financial product or various preferential benefits for sale using an e-commerce method for financial products using social shopping according to an embodiment of the present invention is added It may be a financial product. That is, by providing various preferential benefits to the consumer due to operating cost reduction, it is possible to improve the image and product sales rate of the financial institution. In this case, various preferential benefits may be applied to various financial products such as interest rate reduction or reduction, fee exemption or discount, additional discounts, and additional points.

In operation S200, the service providing server 100 may transmit product information of the financial product to the consumer terminal 300. The product information may include the name, content, period, etc. of the product. For example, if the financial instrument is a savings product, the product information includes the name of the savings product, the characteristics of the product, the subject of the subscription, the duration of the savings, the amount of the tax, whether the tax is paid, the method of payment, the interest rate, the method of interest payment, whether the depositor is protected, Termination may include interest rates, preferential rates, post-expiration rates, instructions, terms and conditions, etc. In addition, due to the nature of social shopping, various trading restrictions such as subscription period, minimum number of purchases, and maximum number of purchases may be further included. The detailed flow of step S200 will be described in detail later with reference to FIG. 3.

In operation S300, the service providing server 100 may transmit product information of the financial product to a social network service (SNS) of the consumer. In other words, it is possible to encourage people to recommend and sign up through the social network services of consumers. In addition, as described above, since the minimum number of purchases may be determined, it is possible to increase the likelihood that a consumer can subscribe to the financial product being sold and to obtain various benefits by inducing a neighbor to join. On the other hand, the service providing server 100 is connected to the service providing server 100 by viewing the product information transmitted in step S300 or by receiving a recommendation to provide a variety of additional benefits to consumers who recommended the neighbors through a social network service, step Advertisement effect by S300 can be maximized.

In operation S400, the service providing server 100 may receive and post an article about a financial product from the consumer terminal 300. The article about the financial product may be a review of the corresponding financial product, various questions or opinions, reviews of the affiliated store 200 that provides the financial product, preference information about the affiliated store 200, and the like. That is, by allowing consumers to exchange opinions on financial products and answer the questions in the merchant 200, the financial consumer and financial institutions, that is, the merchant 200, interact with each other in a one-sided financial consumption environment. Through the financial consumption environment.

In operation S500, the service providing server 100 may receive an application for subscription, including application information including agreement of a subscription condition of a financial product, from the consumer terminal 300. Unlike general merchandise or restaurant use coupons, financial products often require various personal information for subscription or purchase, and since most merchants 200 have subscription terms, they agree to the use of such personal information and subscription terms. If you don't, you can't join. In addition, since there are various choices depending on the financial products, you can receive a subscription application by inputting application information according to a subscription application form. For example, if the financial product is a savings product, the subscription period, the amount of savings, tax benefits, and payment methods may be input. In step S500, the consumer can participate in the purchase of the financial product by receiving the subscription application.

In operation S600, when the service providing server 100 satisfies a predetermined condition, the consumer may purchase a financial product. In other words, even if the subscription period has passed or before the subscription period has elapsed, the consumer who applied for the subscription has reached the maximum number of purchases, the consumer who applied for the subscription is the minimum number of purchases and the maximum number of purchases, etc. If the predetermined condition is satisfied, the service providing server 100 may close a financial product purchase. In the case of deposits or deposits, membership is rarely rejected after applying for subscription, but financial products such as loans, insurance, and credit cards are approved for subscription through various inquiries or examinations after applying for subscription, insurance policy, credit Cards should be issued. Therefore, the successful completion of the purchase in step S600 may not mean that the conclusion of the subscription contract.

If the purchase is made in step S600, the consumer who applied for subscription of the purchased financial product may receive a benefit according to the characteristics of the financial product when the financial product subscription contract is concluded. In other words, through the purchase, the consumer may obtain the right to enter into a financial product subscription agreement with various benefits such as interest rate reduction or reduction, fee exemption or discount, additional discounts, and additional points, depending on the financial product. . On the other hand, the service providing server 100 proceeds to the payment process for a predetermined amount before or after the completion of the financial product purchase in step S600, it is possible to sell the product requiring a certain amount of payment according to the financial product.

In operation S700, the service providing server 100 may transmit the application information of the consumer to the affiliated store 200. That is, by transmitting the application information of the consumer received in step S500 to the affiliated store 200, it is possible to proceed with the sign-up approval procedure and signing the contract through various inquiries or examinations according to the consumer's subscription application. In addition, by transmitting the application information of the consumer to the merchant 200, it is possible to prove the direct advertising effect connected to the actual sales of the merchant 200, and charge a fee to the merchant 200, the merchant 200 in the financial products It can also be used as a measure of marketability.

3 is a diagram illustrating a detailed flow of step S200 in the e-commerce method for a financial product using social shopping according to an embodiment of the present invention. As shown in FIG. 3, step S200 of the electronic commerce method for a financial product using social shopping according to an embodiment of the present invention includes receiving a condition from the consumer terminal 300 (S210), according to the condition. Sorting and transmitting the financial product to the consumer terminal 300 (S220) and receiving the selection of the financial product from the consumer terminal 300 and transmitting the product information (S230) may be implemented.

In operation S210, the service providing server 100 may receive, from the consumer terminal 300, at least one of a region, a type, an interest rate, a period, a fee, a discount rate, and a point accumulation. In other words, in order to facilitate consumer search and management, various conditions may be input to search for financial products. In addition, it is possible to analyze the preferences of consumers through the conditions received from the consumers. In operation S600, the analysis data analyzing the condition received in operation S210 may be further transmitted to the affiliate store 200. The merchant 200 may predict the marketability of the newly launched financial products through these data.

In operation S220, the service providing server 100 may arrange the financial products according to the received condition and transmit the financial products to the consumer terminal 300. For example, financial products are classified into categories according to the region of the affiliate store 200, and classified into categories according to the types of products, and then the order of higher interest rates, shorter periods, and lower fees according to the consumer's selection of conditions. You can sort your financial instruments.

4 is a diagram illustrating a screen of a consumer terminal 300 in which steps S210 and S220 are performed in an electronic commerce method for a financial product using social shopping according to an embodiment of the present invention. As shown in Figure 4, in the e-commerce method for financial products using social shopping according to an embodiment of the present invention, it is possible to distinguish the region and the classification method, and to sort the financial products in various sorting order, By allowing the classification method and the sort order to be set in duplicate, the consumer terminal 300 may transmit an optimal financial product for each consumer's situation.

In particular, there is a lack of a medium that can provide a variety of information about financial products in the past, can not provide enough advertising because only limited information can be provided, consumers also get enough information because of the scattered information about financial products There was a limit that cannot be compared with each other. However, according to the present invention, by registering various financial products as a transactional product and arranging and transmitting the product information on the financial product to each consumer to the consumer terminal 300, the consumer can obtain and compare abundant product information.

In operation S230, the service providing server 100 may receive the selection of the financial product from the consumer terminal 300 and transmit product information of the financial product. That is, the consumer terminal 300 receiving the optimized and searched and sorted financial product list in step S220 may receive a selection of any one of the financial products and transmit detailed product information of the corresponding financial product.

FIG. 5 is a flowchart illustrating a method of providing a subscription and a subscription product management service in an electronic commerce method for a financial product using social shopping according to an embodiment of the present invention. As shown in Figure 5, the electronic commerce method for financial products using social shopping according to an embodiment of the present invention, receiving and storing member information from the consumer terminal 300 and registering as a member (S800) And receiving and receiving the financial product subscription contract conclusion information of the consumer from the affiliate store 200, and storing and managing the consumer product with the member information of the consumer (S900).

In operation S800, the service providing server 100 may receive member information from the consumer terminal 300, store the member information, and register it as a member. The member information may include a name, a mobile phone number, an e-mail address, or the like, and may further include a social security number or address for identification or various inquiries due to the characteristics of the financial product. In addition, in operation S800, in addition to the member information, interest information including at least one of an interest field, a hobby, a residence area, an interest area, and a financial trend may be further input. When the financial product corresponding to the interest information of the consumer is registered in step S100 using the interest information, the target advertisement may be performed by transmitting the registration fact of the financial product to the consumer terminal 300.

In operation S900, the service providing server 100 may receive the financial product subscription contract conclusion information of the consumer from the affiliate store 200 and store and manage the information together with the member information of the consumer. In general, an e-commerce site may store and manage consumer member information and purchase history. In step S900, the service providing server 100 does not directly process the financial product subscription contract conclusion and information about this received from the merchant 200 stores and manages with the member information of the consumer, systematic financial management services Can be provided. In other words, if a consumer can only check a financial product subscribed by one financial institution only on the homepage provided by the financial institution, if the user subscribes through the present invention, even financial products of different financial institutions can be managed at once. It is possible to manage efficiently and systematically.

The present invention may be embodied in many other specific forms without departing from the spirit or essential characteristics of the invention.

100: service providing server 200: merchant
300: consumer terminal
S100: step of registering the financial product received a transaction consignment application from the merchant as a transaction product
S200: transmitting the product information of the financial product to the consumer terminal
S210: step for receiving a condition from the consumer terminal
S220: sorting the financial products according to the conditions and transmitting them to the consumer terminal
S230: receiving a selection of the financial product from the consumer terminal and transmitting the product information
S300: step of transmitting product information of the financial product to the social network service of the consumer
S400: step of receiving and posting an article about a financial product from a consumer terminal
S500: step for receiving a subscription application by receiving the application information of the financial product from the consumer terminal
S600: step of closing a consumer's purchase of a financial product if a predetermined condition is satisfied
S700: step of transmitting the application information of the consumer to the merchant
S800: step for receiving member information from the consumer terminal and storing it and registering as a member
S900: Receiving the information on the conclusion of the consumer's financial product subscription contract from the merchant, and storing and managing it with the member's member information

Claims (8)

The service providing server 100 that provides an e-commerce method for receiving a commodity transaction consignment application using social shopping to act on the merchandise transaction, deposits, deposits, loans, installments, leases, trusts, insurance, and pensions handled by financial institutions A merchant, one of a financial institution, a branch of a financial institution, and a social commerce company that has been entrusted with a transaction from a financial institution or a branch thereof in order to broker a transaction of a financial product including a savings, pension, fund, or credit card. Registering the financial product received a transaction consignment request as a transaction product (S100);
In order for the service providing server 100 to transmit the product information of the financial product registered as the transaction product to the consumer terminal 300, the service providing server 100 registers the transaction product from the consumer terminal 300. Receiving at least one of a region, a type, an interest rate, a period, a fee, a discount rate, and earning points for searching for a financial product to be purchased among the financial products (S210); The service providing server 100 classifies the financial products corresponding to the input conditions among the financial products registered as the transaction products according to the conditions input in step S210 into large categories by region of the affiliated store, and classifies the products into middle classes by types of products. Next, according to a consumer's selection, the method may include the steps of sorting one or more of an order of high interest rate, a short period of time, and a low fee order and transmitting the order to the consumer terminal 300 (S220); And the service providing server 100 receives a selection of a financial product to be purchased from among financial products registered as the transactional product from the consumer terminal 300 and provides detailed product information of the financial product to be purchased by the consumer terminal 300. Transmitting (S230); sequentially performing (S200);
The service providing server 100 receiving and storing member information from the consumer terminal 300 and registering the consumer of the consumer terminal 300 as a member of the service providing server 100 (S800);
Receiving, by the service providing server 100, application information including an agreement to subscribe to a subscription target financial product selected from the consumer terminal 300 of the consumer registered as the member (S500);
When the service providing server 100 satisfies a predetermined condition corresponding to the selected target financial product, the subscription application received from the consumer terminal 300 purchases the selected target financial product from the consumer terminal 300. (S600) to saengda; And
Transmitting, by the service providing server 100, the analysis data analyzing the condition received in the step S210 and the application information received in the step S500 from the consumer terminal 300 to the affiliated shop 200 (S700); Including;
The affiliated store 200 is characterized in that the purchase of the financial product is concluded when the financial product subscription contract to the consumer of the consumer terminal 300 applied for the subscription of the purchased financial products through the service providing server 100 A method of electronic commerce for financial products using social shopping, characterized in that it provides one or more benefits, including interest rate reduction or reduction, fee exemption or discount, additional discounts, and earning additional points.
delete The method of claim 1,
And transmitting the commodity information of the financial product to the social network service of the consumer.
delete delete delete The method of claim 1,
And receiving and receiving the consumer's financial product subscription contract conclusion information from the affiliate store and storing and managing the consumer's financial product subscription contract information together with the member's member information.
The method of claim 1, wherein the consumer terminal,
An electronic commerce method for a financial product using social shopping, characterized in that the smart device is installed with an application program for implementing an e-commerce method for a financial product using social shopping.

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