KR101311452B1 - Managing system of an agreement future consumption coupon and method of the same - Google Patents

Abstract

The present invention relates to an incentive variable purchase right providing system and a method thereof, and provides a plurality of sellers classified into a corresponding category to plan information on future consumption of a consumer, and sales of a predetermined number under certain conditions. By providing information and differentiated incentive information available to the relevant consumers, it gives consumers reasonable rational consumption and multiple incentives, and sellers provide incentive-variable purchasing rights that enable them to expose product information to consumers with high sales potential. It is an object of the present invention to provide a system and a method thereof.
By applying the present invention, it is possible to accurately and quickly connect the seller and the consumer who has a consumption plan, and this allows the seller to advertise the product to consumers with a high likelihood of purchase, thereby increasing the advertising effect and high purchase linkage rate. There is an advantage. In addition, it is possible to maximize incentives to consumers through the issuance of incentive variable purchase rights because it is a purchase for future consumption, and producers and sellers can procure the necessary funds early and inexpensively.

Description

Incentive variable purchase ticket providing system and its method {MANAGING SYSTEM OF AN AGREEMENT FUTURE CONSUMPTION COUPON AND METHOD OF THE SAME}

The present invention relates to an incentive variable purchase right providing system and a method thereof, and more specifically provides a plan information on the future consumption of the consumer can be viewed by a number of sellers classified into the corresponding category, the predetermined condition By providing a number of sales information and differentiated incentive information that can be viewed by the relevant consumers, it gives consumers reasonable rational consumption and multiple incentives, and the incentive variable type that allows sellers to expose product information to consumers who are likely to sell. The present invention relates to a purchasing right providing system and a method thereof.

As is well known, consumers search for a variety of sellers' products for reasonable consumption and find higher quality and cheaper products. Recently, shipping costs, coupons, incentives, etc. are added, and thus various variables for determining consumption are increased. It is a state.

In the case of sellers, they make every effort to expose as many consumers as possible to the actual sale, and most of the effort is to advertise their products to an unspecified majority. It was concentrated.

From the consumer's point of view, there is no means to inform many relevant sellers that they are interested in purchasing a product, so that a lonely search process for purchasing a product results in pricing decisions. Resulted in handing over.

Recently, as a part of the complementary technology, a bargaining system has been established using the “price bargaining” button displayed on the web screen of a shopping mall. Since it is a system that negotiates only the price in a firm state, if the price bargain is unsatisfactory or the price is unsuccessful, the same product search and price bargaining process must be performed separately from the new seller, so the time spent for purchase is too much. There was a problem that it could be long.

From the seller's point of view, one-sided advertisements are placed on the main page of famous portal sites and the like, and the advertising costs are paid. The flat fee method is unreasonable because it does not reflect any sales or activities for sale, and the pay method proportional to the number of advertisements can be unjustly clicked. There was a problem in that it was an unreasonable structure that the seller who sold the product and the seller who did not sell pay the same advertisement cost.

Most sellers and producers, on the other hand, experience a temporary funding crunch, depending on the funding situation. However, in this case, if there is no collateral, there is no choice but to raise funds at a very high interest rate, which can lead to management difficulties.

In the case of consumers, funds with companies that wish to smoothly finance, inducing rational consumption in the near future, such as consumption of automobiles, consumption for meals, consumption of coma furniture or coma electronics, etc. There was no means to carry out the relay.

The present invention has been made in view of the above-described state of the art, and provides a plurality of sellers classified in the corresponding category to view plan information on future consumption of consumers, and a predetermined number of sales information and By providing differentiated incentive information that can be viewed by the consumer, it gives consumers reasonable rational consumption and a plurality of incentives, and the incentive variable purchasing right providing system which enables sellers to expose product information to consumers with high sales potential, and The purpose is to provide a method.

Another object of the present invention is to provide effective incentives for sellers by providing differentiated incentives for viewing and purchasing selections of a plurality of sales information extracted by a predetermined criterion in response to consumer future consumption information. A consumer can effectively view sales information suitable for consumption information, and thus provides an incentive variable purchase right providing system and a method for reducing the time required for consumption while receiving more incentives.

Another object of the present invention is to effectively connect sellers or producers with consumers, thereby effectively financing the sellers or producers with the funds needed to sell or produce the products, thereby making the planned production or planned sales possible, and thus establishing a near-determined future consumption plan. The present invention provides an incentive variable purchase right providing system and method for providing consumers with greater benefits.

In order to achieve the above object, according to a preferred embodiment of the present invention, the consumer enters and transmits the plan information for future consumption so that the seller or the producer can view it, and displays the sales information and incentive information registered by the seller or the producer on the screen. A user terminal for outputting; A merchant terminal for viewing a plan information on future consumption input by a consumer, a seller or a producer, and inputting sales information and incentive information registered by the seller or the producer; The incentive variable purchase right information and the card's unique number information are interlocked so as to be extractable, and the incentive variable purchase right information linked through the card unique number information is determined to determine whether the product price is paid in advance. A financial server; The consumer provides the plan information on future consumption to the merchant terminal, registers the sales information and incentive information input by the seller or the producer and makes it available for viewing through the user terminal, and the purchase information and balance of the incentive variable purchase ticket Provided is an incentive variable purchasing right providing system comprising an incentive variable purchasing right management server that provides information to be extracted by a financial server.

Preferably, the user terminal has an application interface (API) mounted therein to communicate with an incentive variable purchase right management server, and after the consumption plan is input, a session is set up to click a registration button to provide consumption plan information. Provided is an incentive variable purchase right providing system, characterized in that configured to be automatically transmitted.

Preferably, the card is provided with an incentive variable purchase right providing system, characterized in that the card including a credit card or debit card, a card that is distributed in the offline, including the cash card, and an electronic card distributed in the online.

Preferably, the financial server is provided in the affiliated store, and the card information can be used as a means of exchanging goods by interlocking the incentive variable purchase right granted by the consumer in advance for the future consumption with the information of the card issued to the consumer. Provided is an incentive variable purchase right providing system, characterized in that it further comprises a card payment terminal for transmitting to.

Preferably, the plan information on the future consumption is product information consisting of a product code or a product name or category information including a product to be consumed, and includes price information or a price range of a consumption and a predetermined purchase period range. An incentive variable purchase right providing system is provided.

Preferably, the plan information on the future consumption is provided with a variable incentive variable purchase right providing system, characterized in that the third party can be viewed in the form of a blog or a messenger for each consumer.

Preferably, the sales information and incentive information input by the seller is registered with the category information of the goods sold by the seller or the producer when registered in the incentive variable purchase right management server, characterized in that after registration according to the category information An incentive variable purchase right providing system is provided.

Preferably, the incentive variable purchasing right management server transmits the consumption plan information of the consumer to the merchant terminal of the producer or seller registered the sales information for the same category of the product that the consumer wants to consume according to the future consumption plan information In addition, an incentive variable purchase right providing system is provided that is configured to receive sales information of a seller or a producer who wishes to provide sales information and incentive information to a corresponding consumer.

Preferably, the incentive variable purchase right management server is configured to select the sales information and incentive information of the seller received in the hope of providing to the consumer by a predetermined number of predetermined incentive variable purchase, characterized in that configured A grant system is provided.

Preferably, the incentive variable purchase right management server, therein, a communication module for communicating with the user terminal, merchant terminal, the financial server; A member information management unit for registering and managing personal information of consumers and sellers or producers as users; A consumption plan information registration unit for classifying and registering the future consumption plan information of the corresponding consumer uploaded from the user terminal by category or product in association with the member information management unit; A sales information registration unit interworking with the member information management unit and registering and managing sales information and incentive information of a seller or a producer uploaded from an affiliated store terminal for each category or product; An information matching processing unit for matching and extracting future consumption plan information of a consumer, sales information and incentive information of a seller or a producer by category or product; An incentive operation unit configured to process incentives provided by producers or sellers by corresponding conditions; A seller bid management unit that receives and processes a bid for an offer size of an incentive from a producer or a seller that the corresponding consumer wants to be able to read about the future consumption plan information of each consumer; An incentive variable purchase right account management unit that accounts for and manages an incentive variable purchase right given as payment for future consumption of a consumer; A data storage unit for storing consumption plan information of a consumer, sales information and incentive information of a producer or a seller, and storing variable incentive condition information, bid information of a seller, and account information of a consumer incentive variable purchase right; By performing data processing for each component, the seller or producer can provide the consumer's consumption plan information, and the seller's sales information and incentive information can be matched so that the consumer can view the bidding process through the seller's incentive information. An incentive variable purchase right providing system is provided that includes a control unit that controls payment for future consumption and performs issuance and management processing of an incentive variable purchase right granted due to payment.

Preferably, the financial server manages the account information, usage information, and balance information of the incentive variable purchase voucher issued by the merchant to the consumer who pays in advance for the almost deterministic consumption in the future, and the incentive variable purchase voucher The management server is provided with an incentive variable purchasing right providing system, characterized in that configured to manage incentive information given to consumers due to the issue of incentive variable purchasing right and share incentive information with the financial server.

Preferably, the financial server sets a credit issuance limit for a variable sized incentive variable purchase right in each affiliated store, and the payment guarantee is made for the incentive variable type purchase right issued within the corresponding issue limit. In addition, an incentive variable purchase right providing system is provided, wherein the incentive variable purchase right issued in a range exceeding the issuance limit is managed to manage a credit issuance limit for each merchant so as to be processed unguaranteed.

Preferably, the incentive provided by the seller is composed of a reading incentive and a purchase incentive, the reading incentive is an incentive for viewing the sales information provided by the seller, and the purchase incentive is an incentive that is paid as the consumer purchases the product. Both the incentive and the purchase incentive are provided with an incentive variable purchase right providing system, characterized in that the incentive variable purchase right management server or financial server is configured to process payment only upon payment confirmation.

Preferably, the financial server includes a user-specific gift certificate information management unit for storing and managing the incentive variable purchase right account information and balance information, the issued merchant information, the card information of the consumer therein; Provided is an incentive variable purchase right providing system comprising a limit management unit for each store that stores and manages the issue information and credit limit information of the incentive variable purchase right that can be guaranteed for each affiliate.

Preferably, the incentive variable purchase right management server publishes the incentive variable purchase right issuance disclosure information registered by each producer or seller, the company information, the model name of the sale product, the total issued limit amount information, product sales There is provided an incentive variable purchasing right providing system, comprising price information, participation restriction personnel information, and date of receipt of incentive variable purchasing right.

Preferably, the incentive variable purchase right management server transfers the incentive variable purchase right registered in the account of each consumer to a third party, and the incentive variable variable characterized in that configured to share the transfer information with the financial server A purchase right providing system is provided.

Preferably, the selection criterion is provided with an incentive variable purchase right providing system, characterized in that the criterion for whether the sale price of the product provides a cheaper or larger incentive.

Preferably, the incentive variable purchase right is an incentive variable purchase right, characterized in that the incentive management information is set in the incentive variable purchase right management server to have a different incentive size depending on whether the use restrictions or financial guarantee payment possible Provision system is provided.

Preferably, the incentive variable purchase right providing system according to the usage restriction is provided with an incentive variable purchase right providing system, characterized in that divided into the kind available immediately after payment or available after a certain period of time.

Preferably, the purchase incentive is divided into a multi-section as the cumulative total payment amount of a plurality of consumers for each designated product, the basic incentive of the size is determined to increase as the upper section; Depending on which section the payment point belongs to, the upper section has a size that is determined to increase and is divided into additional incentives in which the designated size is accumulated for each section, and the incentive variable purchasing rights management server stores the size information of each incentive. Provided is an incentive variable purchase right providing system, characterized in that the storage is calculated and determined for each section according to the point of payment.

Preferably, the purchase incentive is a basic incentive of the size is determined to be divided into a multi-section of a predetermined range of each consumer's payment order for each designated product, and increased as the prepayment period; Depending on which payment period belongs to the payment point, it is determined to decrease as the prepayment period, and is divided into additional incentives in which the designated size is accumulated and paid from the section to which the payment point belongs. The server is provided with an incentive variable purchase right providing system, characterized in that for storing the size information of each incentive and calculate by determining by section according to the time of payment.

Preferably, the purchase incentive is a basic incentive that is a fixed size is paid for each consumer's payment order for each designated product; The payment order is increased by the prepayment order, and is divided into additional incentives, in which the specified size is accumulated in order from the order of payment, and the incentive variable purchase voucher management server stores the size information of each incentive and the time of payment. According to the present invention, there is provided an incentive variable purchase right providing system, characterized in that the operation is determined by section.

Preferably, the additional incentive is variable incentive such that an incentive of a reduced or increased size is paid in accordance with a product change of an incentive variable purchase voucher obtained by prepayment for the receipt and use of a particular product, or a change in the time limit for receipt or use. The formula purchase right management server is provided with an incentive variable purchase right providing system, characterized in that for storing and determining incentive size information according to each situation.

On the other hand, the present invention comprises the first step of registering the seller's sales information for each product, category by incentive variable purchase right management server; A second step of registering future consumption plan information input by the consumer in an incentive variable purchase right management server; A third step of extracting predetermined sales information from sales information matching the product or category included in the future consumption plan information of the consumer; A fourth process of reading the sales information through the user terminal; A fifth process of receiving a purchase signal for a product belonging to a specific sale information; A sixth process of issuing and processing an incentive variable purchase right; A seventh step of transferring the payment to the seller; An eighth step of calculating and paying incentives to be paid to the consumer; There is provided a method of providing an incentive variable purchase right, comprising a ninth process of receiving an use signal of an incentive variable purchase right and updating the account information.

Preferably, the third process includes the step of receiving the sales information registration bid participation signal from a plurality of sellers after reading the future consumption plan information of the consumer; Selecting a predetermined number of sales information based on a predetermined selection criterion among sales information received to participate in the sales information registration bidding; There is provided a method of providing an incentive variable purchase right, further comprising the step of transmitting the selected sale information to a user terminal.

Preferably, the fifth process is the process of the financial company to set the payment guarantee limit for each merchant; Checking the cumulative issuance amount of the incentive variable purchase right issued for each affiliated store; Determining, by the financial server, whether the cumulative issuance amount for each affiliate exceeds the payment guarantee limit; Displaying warranty or non-guaranteed information on an incentive variable purchase right depending on whether the cumulative amount of issuance per merchant exceeds the payment guarantee limit; Receiving a user's payment signal for an incentive variable purchase right; There is provided a method of providing an incentive variable purchase right, further comprising performing a payment process according to a user payment signal.

Preferably, the sixth process provides a method for providing an incentive variable purchase right, further comprising registering the incentive variable purchase right information issued by the financial server and card information of the corresponding consumer.

Preferably, the fifth process is a process of registering payment reservation information so that the consumer can install the product price multiple times in accordance with the type of goods available for purchase with the incentive variable purchase voucher and the limit of receipt; Determining whether a payment date has arrived; There is provided a method of providing an incentive variable purchase right, further comprising a process of performing a payment process.

Preferably, the eighth process includes the steps of dividing the interval for the payment order of the consumer or the cumulative payment amount of the entire consumer for the corresponding product; There is provided a method of providing an incentive-variable purchase right, further comprising a process of arithmetic processing to have an increased incentive size depending on whether the line is a line segment.

Preferably, the ninth process includes a process in which a financial server receives affiliate store information, card information, and payment amount information; Determining whether there is an incentive variable purchase right that is matched with the corresponding card information and issued by the affiliate; Comparing the balance of the incentive variable purchase voucher with the payment amount; Determining whether the balance of the incentive variable purchase voucher is greater than or equal to the payment amount; If the balance is greater than the payment amount, performing the payment processing through the corresponding incentive variable purchase voucher; When the balance is smaller than the payment amount, the incentive variable purchase voucher providing method is further provided, wherein the balance of all the incentive variable purchase vouchers is settled and the remaining payment amount is further processed by the card. .

Preferably, the selection criterion is a method for providing a variable incentive purchase right, characterized in that the incentive provided by the seller is selected in the order of higher order.

Preferably, there is provided a variable incentive variable purchase right providing method further comprises the step of providing incentives of different sizes depending on whether the incentive variable purchase right is guaranteed by the financial company.

Preferably, when the payment is made for the incentive variable purchase voucher, the incentive variable purchase voucher further includes a process of determining the incentive size to be paid to the consumer in response to the order of payment and the size of the payment amount. A method of providing is provided.

Incentive variable purchase right providing system and method according to the present invention can accurately and quickly connect the seller and the consumer having a consumption plan, through which the seller can advertise the product to consumers with a high likelihood of purchase The effect is large and the purchase connection rate is high. In addition, it is possible to maximize incentives to consumers through the issuance of incentive variable purchase rights because it is a purchase for future consumption, and producers and sellers can procure the necessary funds early and inexpensively.

1 is a schematic diagram showing the configuration of a system for providing an incentive variable purchase right according to an embodiment of the present invention;
2 is a block diagram showing a configuration of an incentive variable purchase right management server included in an incentive variable purchase right providing system according to an embodiment of the present invention;
3 is a diagram illustrating an information exchange state between a buyer and a seller through an incentive variable purchase right providing system according to an embodiment of the present invention;
4 is a view of classifying types of incentives granted to buyers through an incentive variable purchase right providing system according to an embodiment of the present invention;
5 is a flowchart illustrating a signal flow of an incentive variable purchase right providing system according to an embodiment of the present invention;
6 is a schematic diagram showing an execution structure of an incentive variable purchase right providing system according to an embodiment of the present invention;
7 is a flowchart illustrating a signal flow relating to an issuance state of an incentive variable purchase right distributed by an incentive variable purchase right providing system according to an embodiment of the present invention;
8 is a flowchart illustrating a signal flow for issuing and earning an incentive variable purchase right by the incentive variable purchase right providing system according to an embodiment of the present invention;
9 is a flowchart illustrating a signal flow for use of an incentive variable purchase right by the incentive variable purchase right providing system according to an embodiment of the present invention;
FIG. 10 is a view illustrating disclosure information of issuance of variable incentive purchasing rights for each company using an incentive variable purchasing right providing system according to an embodiment of the present invention; FIG.
11 is a view showing incentive information for each section of the amount according to the earned months using the variable incentive variable purchase right providing system according to an embodiment of the present invention,
12A and 12B are diagrams illustrating incentive information for each amount of money according to the number of payments of a seller using an incentive variable purchase right providing system according to an embodiment of the present invention;
FIG. 13 is a diagram illustrating a situation of granting incentive for each first payment by using an incentive variable purchase right providing system according to an embodiment of the present invention.

An incentive variable purchase right providing system according to an embodiment of the present invention provides a plurality of sellers classified into a corresponding category to plan information on future consumption of a consumer, and a predetermined number of sales information is provided under a predetermined condition. And by providing the differentiated incentive information to the relevant consumers can provide a reasonable consumption and a plurality of incentives to the consumer, the seller is a system that can expose the product information to consumers with high sales potential.

In addition, the present invention provides a differentiated incentive according to the view selection and purchase selection for a plurality of sales information extracted by a certain criterion in response to the future consumption information of the consumer, the seller can perform effective advertising, consumers Is a system that can effectively view the sales information suitable for consumption information, while reducing the time required for consumption while receiving more incentives.

In more detail, the system for providing incentive variable purchase right according to an embodiment of the present invention collects the planning information about the future consumption of the consumer in agreement with the consumer. The plan information on the future consumption may be specific product information or category information including a product to be consumed, and it is preferable to include price information or price range of specific consumption.

In this case, the “product” that the consumer plans to consume means a tangible or intangible product or service that a user can purchase for a fee, and the seller means any entity that has a store online or offline or sells the product without a store. .

In the present invention, collecting the planning information on the future consumption of the consumer is to provide the corresponding consumption planning information to a number of sellers in the category, ultimately to allow consumers and sellers to perform consumption and sales more conveniently and quickly. To do this.

In the incentive variable purchasing right providing system according to an embodiment of the present invention, the consumer's consumption plan information provided to the seller is transmitted to a plurality of sellers, and thus the seller's information should be registered in advance in the system, and the seller information is sold. Product information must be registered, category information in which the merchandise can be classified must be registered by the seller, and incentive information to be provided to the consumer must be registered in advance.

The consumer's consumption plan information provided to the seller can be provided as a text, but it is preferable that the consumer's consumption plan information is provided to the seller in the form of a personal blog. The consumption plan information of the consumer is transmitted to a number of sellers.

The seller may not only set a single category, but may simultaneously set a plurality of categories according to the nature of the merchandise. For example, in the case of home appliances, it belongs to the electronics category and also to the coma category, so it can be set to multiple categories at the same time. As a rule, a seller who sells various kinds of products can provide only the product information belonging to the category, and other selling products not belonging to the category cannot be provided to the corresponding consumer.

In an embodiment of the present invention, incentives to be provided to the consumer are provided with the intention of facilitating the consumer to view the product information or to purchase the product, which is given to the consumer when the user views or purchases the product information. It is a profit.

At this time, the incentive is not limited to its external form or value form, so any means having tangible or intangible value can be provided in the form of incentive.

More specifically, according to an embodiment of the present invention, a certain number of sales information that is provided to be viewed by the consumer in accordance with the consumption plan information of the consumer provides a reading incentive by the seller who uploaded the corresponding sales information according to the viewing of the consumer. For example, if a consumer purchases a product from the sales information, the seller who sold the product provides a purchase incentive to the consumer. Therefore, incentives paid to consumers are largely composed of a reading incentive and a purchase incentive.

In particular, purchase incentives are provided with variable incentive sizes depending on the time of purchase, the amount of purchase, and the time of use, ultimately allowing consumers to buy faster, purchase more, and have already decided to make a payment. The system is constructed to provide more purchase incentives for consumers who have done the benefit to the seller by making it available later for the product (for example, meal tickets, etc.).

Preferably, the reading incentive is configured not to be paid to the consumer who does not make a purchase. Therefore, from the seller's point of view, even if it is not his own product, the incentive to view the sales information is provided to consumers who have actually made a purchase, so that incentives to view the sales information can be differentiated only to consumers with purchasing power. The system is built.

In an incentive variable purchase right providing system according to an embodiment of the present invention, the incentive variable purchase right is provided to a consumer who pays in advance for a nearly deterministic consumption in the future, and the purchase incentive is a general non-payment in advance. It offers a lot more purchase incentives than consumption.

The incentive variable purchase vouchers have different types and different incentive sizes depending on whether the use limit is limited or whether the merchant can guarantee the incentive. For example, the incentive variable purchase vouchers may be used immediately after payment. It is divided into available types after a certain period of time.

In addition, depending on whether or not the merchant can guarantee the incentive variable purchase rights for the incentive variable purchase rights issued by the merchant may be guaranteed in the financial sector, may not be guaranteed.

In this embodiment, the guarantee may be a guarantee for the total amount paid by the consumer, a guarantee for a part of the amount, or a guarantee by the finance company for the affiliates affiliated with the finance company. Must be paid to the financial institution. However, since financial companies pay consumers' payments to affiliated stores, they will have little effect on the liquidity or equity of financial companies.

Preferably, financial institutions set a certain amount of issuance limit for each affiliated merchant, guarantee the incentive variable purchase right issued within the issuance limit, and issue it within the range exceeding the issuance limit. Incentive variable purchase vouchers are not guaranteed.

Hereinafter, an incentive variable purchase right providing system according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a schematic diagram schematically showing the configuration of an incentive variable purchase right providing system according to an embodiment of the present invention.

Referring to this, an incentive variable purchase right providing system according to an embodiment of the present invention is provided with a data communication network for normal data communication between a seller, a consumer, a financial institution, and a server operating the system. It includes all communication networks irrespective of its form and shape, such as the Internet, a local area network (LAN), a wide area network (WAN), a value added network (VAN), telephony, broadcast communication and wireless internet, and short-range wireless communication.

Under the data communication network, the system according to an embodiment of the present invention, the consumer enters and transmits the plan information for future consumption so that the seller or producer can view, and outputs the sales information and incentive information registered by the seller or producer on the screen. A user terminal 2 for carrying out is provided.

At this time, the user terminal 2 is preferably connected to the incentive variable purchase right management server 10 via an application interface (API), the session is established when the registration button is clicked after the consumption plan input Preferably, the consumption plan information is configured to be automatically transmitted.

In addition, the system according to an embodiment of the present invention is provided with a merchant terminal (4) for the seller or producer to view the plan information for future consumption entered by the consumer, and input the sales information and incentive information registered by the seller or producer In the following, all terminals provided to a company or a factory of a seller or a producer and perform the above functions are referred to as a merchant terminal.

In addition, the system according to an embodiment of the present invention is provided in the affiliated store, the card information to be used as a means of exchanging goods by linking the incentive variable purchase voucher granted by the consumer in advance payment for future consumption to the card information Is provided with a card payment terminal (8) for transmitting to the financial server (6).

At this time, the card is a variety of cards, including credit card, debit card, cash card, and the like, the data of the incentive variable purchase voucher is not linked to match the data due to the card means, the unique number of the incentive variable purchase voucher It is also possible to issue or distribute bays only. Therefore, it is also possible to mount or store the incentive variable purchase right itself or the unique number of the incentive variable purchase right on the consumer's mobile phone.

On the other hand, in an embodiment in which the incentive variable purchase right is matched with the unique number of the card, the information of the incentive variable purchase right and the unique number information of the card can be linked to each other so as to be extractable from the card payment terminal 8. The financial server 6 is configured to extract the incentive variable purchase right information linked through the transmitted card unique number information and determine whether the product price is a prepaid consumer.

In addition, in the incentive variable purchase right providing system according to an embodiment of the present invention, the consumer provides planning information about future consumption to the merchant terminal 4, and registers the sales information and incentive information input by the seller or the producer. The incentive variable purchase right management server 10 is provided to be viewable through the user terminal 2 and provides the financial server 6 to extract the purchase information and the balance information of the incentive variable purchase right. have.

In this case, the plan information on the future consumption input by the consumer may be specific product information or category information including a product to be consumed, and preferably includes price information or price range of the specific consumption, and the future input by the consumer. Consumption planning information may be constructed in the form of a blog or a messenger for each consumer.

The sales information and incentive information entered by the seller or the producer are registered in the incentive variable purchase right management server 10. Upon registration, the category information of the product sold by the seller or the producer is also registered and classified according to the category information. It is registered.

In addition, the incentive variable purchasing right management server 10 is a producer terminal or a merchant terminal 4 of a producer that registers sales information of a product that matches a category of a product to be consumed by the consumer according to future consumption plan information. Send the consumer's consumption plan information and receive the seller or producer's wish to provide sales and incentive information to the consumer.

The received sales information and incentive information are not all provided to the consumer, but are selected by a predetermined number by a predetermined selection criterion. The selection criterion is a criterion of whether the sale price of the product provides a cheaper or larger incentive. . In the present embodiment, the selected sales information is selected from five sales information, which can be arbitrarily adjusted. However, by providing a predetermined number of sales information to the consumer, the seller or the producer can enjoy the advertising effect and the sales effect. It leads to autonomous competition that sells goods cheaper or offers more incentives to consumers.

On the other hand, the incentive variable purchase right management server 10 provides a variable incentive purchase right, and provides a purchase incentive and reading incentives for consumers who pay in advance for the almost deterministic consumption in the future.

The incentive variable purchase vouchers have different types and different incentive sizes depending on whether the use limit is limited or whether the merchant can guarantee the incentive. For example, the incentive variable purchase vouchers may be used immediately after payment. It is divided into available types after a certain period of time.

Preferably, the financial server 6 sets a certain amount of issuance limit for each affiliated merchant, and insures that the incentive variable purchase right issued within the issuance limit is guaranteed and exceeds the issuance limit. Incentive variable purchase rights issued within a range shall be treated as unguaranteed.

2 is a block diagram illustrating a configuration of an incentive variable purchase right management server included in an incentive variable purchase right providing system according to an embodiment of the present invention.

Referring to this, the incentive variable purchase right management server 10 included in the incentive variable purchase right providing system according to an embodiment of the present invention is a communication module, member information management unit, consumption plan information registration unit, sales information registration unit therein , An information matching processing unit, an incentive calculation unit, a seller bid management unit, a data storage unit, and a control unit.

The communication module 12 is a means for communicating with the user terminal 2, the merchant terminal 4, and the financial server 6. The member information management unit 14 is a means for registering and managing personal information of consumers and sellers or producers who are users, and the consumption plan information registration unit 16 is linked with the member information management unit 14 to the user terminal 2. ) Is a means for classifying and registering future consumer's future consumption plan information uploaded from) by category or product.

The sales information registration unit 18 is linked with the member information management unit 14 and is a means for registering and managing sales information and incentive information of a seller or a producer uploaded from an affiliated store terminal 4 for each category or product.

The information matching processing unit 20 is a means for extracting by matching the future consumption plan information of the consumer and the sales information and incentive information of the seller or producer by category or product, the incentive calculation unit 22 is provided by the producer or seller It is a means to process the incentive for each condition. The incentive variable condition according to the incentive provision conditions and conditions will be described later.

The seller bid management unit 24 is a means for receiving and processing a bid for the size of the incentive provided by the producer or seller that the corresponding consumer wants to be matched to the future consumption plan information of each consumer.

Meanwhile, although not shown, the incentive variable purchase right management server 10 further includes an incentive variable purchase right account management unit that accounts for and manages an incentive variable purchase right granted as payment for future consumption of a consumer. have.

The data storage unit 26 stores consumer consumption plan information, producer or seller sales information, and incentive information, and stores variable incentive condition information, seller's bid information, and consumer's incentive variable purchase right account information. Means.

The control unit 28 performs data processing for each component, so that the seller or the producer can view the consumption plan information of the consumer, and the seller information and the incentive information of the seller selected by the bidding process through the seller's incentive information. It is a means of controlling to perform the processing of issuing and managing the incentive variable purchase right granted by the payment by matching so as to be able to view the payment for future consumption.

3 is a diagram illustrating an information exchange state between a buyer and a seller through an incentive variable purchase right providing system according to an embodiment of the present invention.

Referring to this, the system according to an embodiment of the present invention is the information exchange between the consumer and the seller by the incentive variable purchase right management server 10, through which the consumer has a number of sellers to plan their future consumption In particular, a plurality of sellers classified into a category belonging to a purchase interest product may be notified, and the seller may view the consumer's future consumption plan information and then process it to present a differentiated incentive condition.

First, the plan information 32 on the future consumption of the consumer includes information on the date of purchase and the category of the purchased product or the product name and the expected cost of the purchase, and the incentive variable purchase right to be viewed by multiple sellers. Posted in the consumption plan information registration area 30 of the management server 10, the consumption plan information registration area 30 belongs to the data storage unit 26 included in the incentive variable purchase right management server 10 Although the configuration is the same as that of the data storage unit 26, different names and reference numerals are given.

In the consumption plan information registration area 30, plan information 32 on future consumption registered by a plurality of consumers is posted. Like the sales information, the plan information 32 on future consumption is also a category or trade name of a product of interest. Classified and registered by.

After the seller or producer has viewed the plan information 32 of the future consumption posted by the consumer on the incentive variable purchase right management server 10, the consumer may participate in a bid to expose the sales information 40 to the consumer. In addition, the incentive variable purchase right management server 10 is provided in the bid participation information registration area 38 for registering bid participation information.

The bid participation information refers to information including personal information of a seller, sales information, and incentive information to be provided to a consumer.

The incentive variable purchasing right management server 10 selects a predetermined number of sales information 36 satisfying a predetermined condition among a plurality of sales information 40 uploaded to the bid participation information registration area 38, The sales information 36 is classified separately and transmitted to the user terminal 2 or posted for viewing via the user terminal 2.

Preferably, the selected sales information 36 can be viewed only by a consumer who has registered the corresponding future consumption plan information 32, and the sales information 36 matched with another consumer's future consumption plan information 32 can be viewed by another consumer. Do not read.

The condition under which the sales information 36 is selected may be whether or not the incentive that each seller intends to pay is included in a predetermined upper rank by size, or may be a product price.

4 is a diagram illustrating the types of incentives granted to buyers through an incentive variable purchase right providing system according to an exemplary embodiment of the present invention.

Referring to this, the incentive given to the buyer through the incentive variable purchase right providing system according to an embodiment of the present invention is largely composed of a reading incentive and a purchase incentive.

The reading incentive is an incentive for viewing the sales information 36 provided by the seller, and the browsing incentive is not paid to view only the sales information 36, but the consumer who viewed the sales information 36 It is paid at the time of purchase. At this time, the product purchased by the consumer may be any one of the viewed sales information 36, but all the sellers who posted the viewed sales information 36 are to pay the incentive to read.

Therefore, from the seller's point of view, even if it is not his own product, the incentive to view the sales information is provided to consumers who have actually made a purchase, so that incentives to view the sales information can be differentiated only to consumers with purchasing power. The system is built.

Purchase incentives are incentives paid by consumers as they purchase a product.The seller who pays the purchase incentive is the seller who actually sold the product, and the size of the purchase incentive varies depending on the time of purchase, the amount of purchase, and the time of use. (F) ultimately allow consumers to buy faster, buy more money, and make later payments for goods that have already been purchased and paid for (e.g., food stamps, etc.) The system is built to provide more purchase incentives for a consumer.

For example, in a selected sales information registration area 34 in which a predetermined number of sales information 36 (A, B, C, D, E) is posted for a consumer to view, the consumer sells A, B, C, D. If the user views the information and purchases the product of A sales information, the seller who posted A, B, C, D sales information provides the customer with the incentive to view the information. Purchase incentives will be paid.

With reference to the accompanying drawings, the function and operation of the incentive variable purchase right providing system according to an embodiment of the present invention of the above configuration will be described in detail.

5 is a flowchart illustrating a signal flow of an incentive variable purchase right providing system according to an embodiment of the present invention.

First, the information processing process of the incentive variable purchase right providing system according to an embodiment of the present invention, the consumer through the user terminal 2 to the incentive variable purchase right management server 10 for future consumption The plan information 32 is registered.

The plan information 32 for future consumption includes information on the purchase date and the purchased product category or the product name and the expected cost of the purchase, and are posted to be viewed through the merchant terminal 4. .

Preferably, the incentive variable purchasing right management server 10 in selecting a seller to transmit the plan information 32 for the future consumption of the consumer, the seller group matched according to the classification by category or product of the pre-registered seller Select and transmit the planning information 32 of the future consumption of the consumer to the merchant terminal 4 of the seller belonging to the group.

Accordingly, the seller reads the plan information 32 on the future consumption of the consumer, and participates in the bid to register the sales information, the incentive variable purchasing rights management server 10 is based on a predetermined criterion The sales information participating in the bidding is sorted and a predetermined number of sales information is selected in the upper order.

The sorting criteria of the sales information is preferably arranged in the order of incentives provided by the seller, and the selected sales information is preferably about five sales information.

The sales information selected by the incentive variable purchase right management server 10 is transmitted to the consumer through the user terminal 2, and the customer reads the corresponding sale information, wherein the reading signal is the incentive variable purchase right. The incentive variable purchase right management server 10 may be processed to transmit to the management server 10 to determine what sales information the corresponding customer has viewed.

Thereafter, the incentive variable purchase right management server 10 determines whether a purchase signal for a specific product is received from the user terminal 2, and if the purchase signal is received, the incentive variable purchase right management server 10. ) Calculates incentives and purchase incentives for viewing sales information and provides them as reserves for the consumer.

6 is a schematic diagram showing an execution structure of an incentive variable purchase right providing system according to an embodiment of the present invention.

Referring to this, the incentive variable purchasing right providing system according to an embodiment of the present invention effectively connects the seller or the producer with the consumer so that the seller or the producer can effectively expand the funds necessary for selling or producing the product. It is a system that enables planned sales and provides greater benefits to consumers with a nearly definite future consumption plan.

To this end, the system for providing an incentive variable purchase right according to an embodiment of the present invention issues and distributes an incentive variable purchase right based on the incentive variable purchase right management server 10. Issuance is possible by the choice of merchant or merchant.

The incentive variable purchase voucher is a gift voucher registered in a consumer account by paying in advance for future consumption, and a voucher voucher that can be used continuously with a certain purchase amount such as a meal voucher and the balance information is updated after use. ; As a coma product, it is classified as a purchase voucher that can be used at a time and has no balance after use.

Incentive variable purchase vouchers accounted for by purchasing goods such as food stamps are also issued in accordance with the seller's purpose to secure the purchase of future customers in advance, as well as a certain amount of payment. Take a form of payment.

Incentives A variable voucher accounted for by purchasing a commodity, such as a coma, fits the consumer's desire to minimize in-stock through planned production, with consumers wishing to receive more incentives for definite future consumption. As a result, the consumer may settle payments at a time, but may also make payment in installments at regular intervals.

On the other hand, the consumer finally purchased the financial server 6 through the incentive variable purchase right management server 10 using the user terminal 2, the merchant terminal 4 or the card payment terminal (8). Since the user can account for the purchase right 42 information, the financial server 6 has a user-specific gift certificate information management unit 46 provided therein, and the user-specific gift certificate information management unit 46 has a consumer card 48. It is managed in conjunction with the card information confirmed by).

That is, the consumer may be issued an incentive variable purchase ticket 42 through the user terminal 2, the merchant terminal 4, or the card payment terminal 8, and the information of the issued incentive variable purchase ticket 42 may be issued. Is stored and managed in the financial server 6.

In particular, when the incentive variable purchase voucher 42 is a gift voucher such as a meal ticket, when the consumer generates a payment signal through the card payment terminal 8, the financial server 6 receiving the payment signal is a corresponding consumer. Search the account information to see if the incentive variable voucher (42) issued by the merchant is included in the account of the consumer, and if the incentive variable voucher (42) issued by the merchant exists, The balance information is updated by deducting from the incentive variable purchasing right 42 by the amount of money.

In addition, the financial server 6 sets a limit on the issuance of a variable incentive variable purchase right 42 for each affiliate store and manages the bar, which is a limit guaranteed by a financial company.

Therefore, the financial server 6 is provided with a limit management unit 44 for each merchant therein, and when the incentive variable purchase right 42 issuance exceeds the issue limit for each merchant, there is a residual limit. The incentive variable purchase right management server 10 checks the issuance limit of each affiliated store in connection with the financial server 6, and the state within the issuance limit is a guaranteed purchase voucher. The excess status causes the consumer to be able to identify the unguaranteed purchase voucher.

Reference numeral 48 represents a consumer card.

7 is a flowchart illustrating a signal flow relating to an issuance state of an incentive variable purchase right distributed by an incentive variable purchase right providing system according to an embodiment of the present invention.

First, a seller or a producer included in an incentive variable purchase right providing system according to an embodiment of the present invention obtains an incentive variable purchase right under the information sharing of the incentive variable purchase right management server 10 or the financial server 6. As can be issued, the merchant terminal 4 registers the issued value information on the incentive variable purchase right management server 10 or the financial server 6 when the incentive variable purchase right is issued.

Accordingly, the incentive variable purchasing right management server 10 or the financial server 6 may determine in real time whether each affiliate has exceeded the issue limit or is within the issue limit.

Therefore, if a purchase signal for an incentive variable purchase right of a specific merchant is received from the user terminal 2, the merchant terminal 4, or the card payment terminal 8, the financial server 6 may store the card information of the corresponding consumer. Incentive variable account purchase information linked to the account processing.

At the same time, the financial server 6 updates the limit information of the newly issued merchant with the incentive variable purchase right, and compares it with the preset limit information of the corresponding merchant to determine whether the affiliate has exceeded the issued credit limit. .

Therefore, the financial server 6 or the incentive variable purchase right management server 10 designates the affiliate as an unguaranteed affiliate if the affiliate exceeds the issuance credit limit of the incentive variable purchase right, and the affiliate store Will process the incentive variable purchase voucher that will be issued later to indicate that it is an unguaranteed voucher.

In addition, the financial server 6 transfers the money paid by the consumer to the seller of the affiliated store due to the issue of the incentive variable purchase right.

On the other hand, if the affiliate has an issuance amount within the issuance credit limit of the incentive variable purchase right, the financial server 6 or the incentive variable purchase right management server 10 maintains the affiliated store as a guaranteed affiliate. .

8 is a flowchart illustrating a signal flow for issuing and earning an incentive variable purchase right by the incentive variable purchase right providing system according to an embodiment of the present invention.

First, the incentive variable purchase right issued and distributed through an incentive variable purchase right providing system according to an embodiment of the present invention can be applied to a single product such as a large household appliance or a car, but the sale price is large, such an incentive The variable voucher is processed so that the consumer can plan the consumption and receive the incentive variable voucher.

Accordingly, if a purchase signal for an incentive variable purchase right of a specific merchant is received from the user terminal 2, the merchant terminal 4, or the card payment terminal 8, the financial server 6 may store the card information of the corresponding consumer. In the process of linking the purchase information of the incentive variable purchase voucher account, the payment method of the payment payment, so the financial server 6 registers the payment reservation information of the consumer together.

Through this, the financial server 6 determines whether the payment date of the affiliated store has arrived, and when the payment date arrives, transmits a payment request signal to the user terminal 2 of the corresponding consumer to perform the payment, or the corresponding consumer. Make an automatic payment with your credit card. Payment is processed in installment form.

When the payment is made, the financial server 6 transfers the payment for the consumer to the producer or the seller, which is the merchant owner. In this way, producers and sellers can finance the incentives in exchange for funds for planned production or planned sales, making it easier to finance than self-financing through ordinary financial companies.

In addition, the financial server 6 determines the time limit for the incentive variable purchase right that the consumer purchases and installs in a predetermined cycle. Since all payments for food vouchers have been deposited, the information on the incentive variable vouchers is updated with the available vouchers.

A gift certificate that can be used means a gift certificate that the consumer has the right to receive the goods.

At this time, the consumer may move to an incentive variable purchase ticket that allows purchase of a product other than the corresponding product, while making purchases for a predetermined incentive variable purchase ticket. In this case, the consumer's incentive A predetermined penalty is applied to.

On the other hand, the incentive variable purchasing right does not specify a specific product, but only a specific merchant and purchase amount, and can be purchased any product sold by the affiliated financial server (6) or incentive variable purchase right management server ( 10), in the case where the purchase price of the product is smaller than the preset purchase amount while the payment for the payment is completed, the incentive is preferably changed in proportion to the actual purchase amount, and a predetermined penalty May be applied.

On the other hand, if you make an additional deposit while purchasing a product larger than the preset purchase amount while the payment for the payment is completed, the incentive is changed in proportion to the actual purchase amount, and at the same time, the additional incentive is processed. desirable.

In this case, the incentive variable purchase right management server 10 may be linked to the financial server 6 so that the incentive variable purchase right management server 10 may perform the function of the financial server 6, and the incentive variable purchase may be performed. It is also possible that the volume management server 10 is built in the financial server 6.

9 is a flowchart illustrating a signal flow for use of an incentive variable purchase right by the incentive variable purchase right providing system according to an embodiment of the present invention.

First, if the incentive variable purchase voucher issued and distributed by the incentive variable purchase voucher providing system according to an embodiment of the present invention is a purchase voucher that receives a product divided into multiple times as a food voucher, the incentive variable type The purchase right information is preferably registered and processed with the card information of the corresponding consumer in the financial server 6.

Accordingly, the financial server 6 determines whether payment information including payment amount information and merchant information together with card information is received from the card payment terminal 8 of the corresponding merchant, and if the payment information is received, the financial server ( 6) extracts the incentive variable purchase right information that matches the card information.

The financial server 6 determines whether the incentive variable purchase right information issued by the affiliate is included in the incentive variable purchase right information of the corresponding consumer, and if there is a purchase gift certificate issued by the corresponding affiliate, the payment is made. Compare the amount requested and the balance.

If the balance of the purchased gift certificate is greater than or equal to the payment amount, the financial server 6 performs the payment through the incentive variable purchase voucher, and updates the balance information of the incentive variable purchase voucher.

On the other hand, if the balance of the purchase voucher is smaller than the payment amount, the financial server 6 processes only the payment amount corresponding to the balance of the incentive variable purchase voucher as the purchase voucher, and the remaining payment amount is general through the card. Processed by card payment.

FIG. 10 is a diagram illustrating disclosure information on issuance of incentive variable purchasing rights for each company using an incentive variable purchasing right providing system according to an exemplary embodiment of the present invention.

Referring to this, by using the incentive variable purchase right providing system according to an embodiment of the present invention, companies can publish the disclosure information of the incentive variable purchase right can be viewed by the consumer, for example, the affiliated store The relevant disclosure information may be registered in the incentive variable purchase right management server 10 through the terminal 4.

For example, "Samsung Electronics" can issue an incentive variable purchase ticket that allows 100 consumers to purchase a stand with a sale price of 2,900,000. In order to pursue a planned production, an incentive variable purchase ticket is issued in advance, and the price is paid. You can get paid in advance from a financial company.

The publication information includes the receipt date information for the consumer to receive the stand product.

Hereinafter, a method for providing an incentive through an incentive variable purchase right providing system according to an embodiment of the present invention will be described in detail. Here, an incentive means a purchase incentive described above, and a purchase incentive is a basic incentive and an additional incentive. In advance, it is classified as.

11 is a view showing incentive information for each section of the amount according to the earned months using the variable incentive variable purchase right providing system according to an embodiment of the present invention.

Referring to this, the incentive variable purchase right issued through the incentive variable purchase right providing system according to an embodiment of the present invention is processed so that a differential incentive is provided for each section of the cumulative installment of all consumers. This is to induce consumers to pay more installments faster, which allows the seller to secure the funds needed to produce the product early.

Referring to FIG. 10 again, the seller provides different incentives to the financial server 6 or the incentive variable purchase right management server 10 to provide different incentives to the incentive variable purchase right issued by Samsung Electronics of FIG. If set, higher base incentives and additional incentives are applied in the upper section.

Additional incentives are applied cumulatively from the location of each section. For example, the first section is a range of up to 29 million won, and 15% of 2.90 million if one consumer pays 2.9 million won which is the product price at one time. You will receive a base incentive equivalent to 10% of additional incentives.

In addition, if another consumer paid 290,000 won in the future, the customer who first paid 2.9 million won received 15% of the basic incentive, while additional incentives were applied to 10% of the next section and 9% of the next period. Will be applied.

In the end, the incentive available to any one consumer is the sum of the base incentive and the additional incentive, and consumers with faster payments will receive more base and additional incentives in proportion to the cumulative installments of all consumers. The basic incentives and additional incentives applied are differentiated by the cumulative installment amount intervals of the entire consumer and applied to the consumer's payment amount, which ultimately leads to faster payments and higher payments for each consumer.

12A and 12B are diagrams illustrating incentive information for each price section according to a payment number of a seller using a variable incentive purchase right providing system according to an embodiment of the present invention.

Referring to this, through an incentive variable purchase right providing system according to an embodiment of the present invention, a seller may provide a differentiated incentive according to a number of payments to a consumer.

As shown in FIG. 12A, the basic incentive provided by the seller classifies the payment order of the consumer into predetermined sections, and is differentiated for each section. In the upper section, the basic incentive provided is higher than the lower section.

In addition, the additional incentive provided by the seller is set to receive a larger additional incentive when a prepayment is performed in a section in which a smaller participant is in a higher section, and a specific example is provided through FIG. 12B.

That is, if a particular consumer participates in the payment before the other 10 consumers in the upper order section (for example, the first section), they receive an additional incentive of 0.1% in the section with 1 to 10 participants. If the number of participants is settled for more than 51 sections, additional incentives in the table shown in FIG. 12A are accumulated for each section, and the total incentive of 0.9% is added to the basic incentive.

This incentive payment method ultimately leads to faster payments for each consumer, more payments, and payments before other consumers.

FIG. 13 is a diagram illustrating a situation of granting incentive for each first payment by using an incentive variable purchase right providing system according to an embodiment of the present invention.

Referring to this, through the incentive variable purchase right providing system according to an embodiment of the present invention, the seller pays higher additional incentives to consumers with faster payment orders while the basic incentives are fixed fixed regardless of the payment order. It is possible to handle incentives. Of course, the additional incentive that is applied at this time is applied to the amount paid, so paying the larger amount in a faster order is the way to obtain the highest additional incentive.

Referring to FIG. 13, the incentive determination method of this embodiment is an incentive paid at the first payment, and the ranking of the incentives is determined according to the order of the first payment. 5 total = 100 total payments)

If there are 20 people to pay, the following incentives are automatically determined in the order of the 20th person paying the first round. From the second round, the number of payments (20 persons) * (the relevant round (the round) -1 (the round)) + the first round will be decided in order.

That is, if the fourth payment is made in the first round, incentives of the second round are 20 * (2-1) +4 = 24th and the third round receives 20 * (3-1) +4 = 44th incentives.

If someone in the first round pays five installments in the first order, they will receive incentives of ranks 1-5, respectively. In this case, if the 6th payment is made in the first round, the number of payments (20 persons) * (applicable to the respective rounds (single) -1 (roundings)) + 1st round-number of temporary payments-(the corresponding rounds (rounding)-1 (roundings)) The second round is 20 * (2-1) + 6- (2-1) = 25th incentive, and the third round is 20 * (3-1) + 6- (3-1) = 34th You will receive an incentive.

Each additional incentive is calculated in proportion to the amount paid at each time. In other words, if the amount of one payment was 100,000 won, the additional incentive would be 100,000 won * 10.50% = 10,500 won.

Consumers can receive higher incentives by paying higher amounts on the first payment and lower amounts on the final payment. For example, if you divide the total of 1,000,000 won into 5 times, 400,000, 300,000, 150,000, 100,000, 5 If you pay 10,000 won, you can get higher incentives.

In addition, the incentive variable purchase right issued and circulated in the incentive variable purchase right providing system according to an embodiment of the present invention can be freely transferred to another person by the owner. When the transfer information is registered in the management server 10, the consumer who receives the corresponding incentive variable purchase right is available.

On the other hand, the incentive variable purchase right providing system and method according to an embodiment of the present invention is not limited only to the above-described embodiment is possible various modifications within the scope not departing from the technical gist.

2: user terminal, 4: merchant terminal,
6: financial server, 8: card payment terminal,
10: Incentive variable purchase ticket management server.

Claims (33)

Purchased incentives are classified according to the category, and the financial incentive is guaranteed for a certain amount of payment, and the purchase incentive varies depending on the point of purchase and purchase amount of the incentive variable purchase voucher and the point of use of the incentive variable purchase voucher (exchange with goods). And an incentive variable purchase right set to be granted the incentive provided by the purchase right information reading;
A user terminal for enabling the seller or producer to view and plan the future consumption information for the future consumption, and to output on the screen the information of the incentive variable purchase right registered by the seller or producer;
A merchant terminal for viewing a plan information about future consumption input by a consumer, a seller or a producer, inputting information of the incentive variable purchase right for the seller or producer to issue, and generating a purchase right issuing signal;
The incentive variable purchase right information and the card's unique number information are interlocked so as to be extractable, and the incentive variable purchase right information linked through the card unique number information is determined to determine whether the product price is paid in advance. A financial server;
The consumer provides planning information on future consumption to the merchant terminal, registers variable condition information of the incentive variable purchase ticket inputted by the seller or producer, and makes it available for viewing through a user terminal, and provides the incentive variable purchase right. And an incentive variable purchase right management server that provides the financial server to extract the purchase information and balance information of the;
The incentive variable purchase right management server or the financial server calculates the reading incentive and the purchase incentive provided by the seller, pays the purchase incentive as the consumer purchases the product, and reads the corresponding user before the purchase point. Incentive variable purchase right providing system, characterized in that additional payment by calculating the reading incentives in return for the payment of all the seller's product information. The terminal of claim 1, wherein the user terminal has an application interface (API) mounted therein to communicate with an incentive variable purchase right management server, and a session is set up when a user clicks a registration button after inputting a consumption plan. Incentive variable purchasing right providing system, characterized in that configured to automatically transmit the planning information. delete The card information according to claim 1, wherein the incentive variable purchase right, which is provided in the affiliated store and provided by the consumer in advance for the future consumption, is linked to the information of the card issued to the consumer so that the card information can be used as a means of exchanging goods. Incentive variable purchase right providing system characterized in that it further comprises a card payment terminal for transmitting to the financial server. The method of claim 1, wherein the plan information on future consumption is product information consisting of a product code or a product name, or category information including a product to be consumed, and includes price information or price range of a consumption and a predetermined purchase period range. Incentive variable purchase ticket providing system, characterized in that. delete According to claim 1, wherein the sales information and incentive information entered by the seller is registered with the category information of the goods sold by the seller or producer when registering in the incentive variable purchase right management server and registered after classification according to the category information Incentive variable purchase ticket providing system characterized in that. According to claim 1, The incentive variable purchasing rights management server is a consumer terminal of the producer or seller registered sales information for the same category of the product to be consumed by the consumer according to the future consumption plan information of the consumer's consumption plan information Incentive variable purchase right providing system, characterized in that configured to receive the sales information of the seller or producer that wishes to transmit and process the sales information and incentive information to the consumer. The incentive variable according to claim 1, wherein the incentive variable purchase right management server is configured to select the seller's sales information and incentive information received in a predetermined number based on a predetermined selection criterion in hope of providing to the consumer. Variable purchase voucher system. The system of claim 1, wherein the incentive variable purchase right management server includes: a communication module configured to communicate with a user terminal, a merchant terminal, and a financial server; A member information management unit for registering and managing personal information of consumers and sellers or producers as users; A consumption plan information registration unit for classifying and registering the future consumption plan information of the corresponding consumer uploaded from the user terminal by category or product in association with the member information management unit; A sales information registration unit interworking with the member information management unit and registering and managing sales information and incentive information of a seller or a producer uploaded from an affiliated store terminal for each category or product; An information matching processing unit for matching and extracting future consumption plan information of a consumer, sales information and incentive information of a seller or a producer by category or product; An incentive operation unit configured to process incentives provided by producers or sellers by corresponding conditions; A seller bid management unit that receives and processes a bid for an offer size of an incentive from a producer or a seller that the corresponding consumer wants to be able to read about the future consumption plan information of each consumer; An incentive variable purchase right account management unit that accounts for and manages an incentive variable purchase right given as payment for future consumption of a consumer; A data storage unit for storing consumption plan information of a consumer, sales information and incentive information of a producer or a seller, and storing variable incentive condition information, bid information of a seller, and account information of a consumer incentive variable purchase right; By performing data processing for each component, the seller or producer can provide the consumer's consumption plan information, and the seller's sales information and incentive information can be matched so that the consumer can view the bidding process through the seller's incentive information. An incentive variable purchase right providing system comprising a control unit for controlling the issuance and management of the incentive variable purchase right granted due to the payment, and payment for future consumption. The incentive variable system of claim 1, wherein the financial server manages account information, usage information, and balance information of an incentive variable purchase right issued by a merchant to a consumer who pays in advance for a deterministic consumption in the future. The purchase right management server is an incentive variable purchase right providing system, characterized in that configured to manage the incentive information given to the consumer due to the issue of the incentive variable purchase right and share the incentive information with the financial server. The financial server of claim 1, wherein the financial server sets a credit issuance limit for a predetermined incentive variable purchase right at each affiliated merchant, and the payment guarantee is provided for the incentive variable purchase right issued within the issue limit. Incentive variable purchase right providing system, characterized in that for managing the credit issuance limit for each merchant to be processed, and the incentive variable purchase right issued in the range exceeding the issuance limit is not guaranteed. delete According to claim 1, wherein the financial server is a user-specific gift certificate information management unit for storing and managing incentive variable purchase right account information and balance information, balance information, issued merchant information, the card information of the consumer therein; ;
Incentive variable purchase right providing system, characterized in that it includes a limit management unit for each store stores and manages the issue information and credit limit information of the incentive variable purchase right that can be guaranteed by each merchant. According to claim 1, wherein the incentive variable purchasing rights management server publishes the incentive variable purchasing rights issued announcement information registered by each producer or seller, the company information, the model name of the sale product, the total issued limit amount information , Incentive variable purchase price providing system, characterized in that the product sale price information, participation limited personnel information, the date of receipt of the incentive variable purchase price. The incentive variable purchase right management server transfers the incentive variable purchase right registered in the account of each consumer to a third party, and shares the transfer information with the financial server. Incentive variable purchase voucher system. 10. The system of claim 9, wherein the selection criterion is a criterion as to whether a sale price of a product provides a cheaper or larger incentive. 12. The variable incentive variable according to claim 11, wherein the incentive variable purchase right has incentive management information set in the incentive variable purchase right management server to have different incentive sizes depending on whether the use limit is limited or whether the payment guarantee of the financial company is possible. Food voucher system. 19. The system of claim 18, wherein the type of incentive variable purchase right according to the use restriction is divided into a type that can be used immediately after payment or a type that can be used after a predetermined period of time. delete The system of claim 1, wherein the purchase incentive comprises: a basic incentive having a size determined to be divided into a plurality of sections in a predetermined range of each consumer's payment order for each designated product;
Depending on which payment period belongs to the payment point, it is determined that the prepayment period is reduced in size, and additional incentives are provided by accumulating the designated size for each section from the section to which the payment point belongs.
The incentive variable purchasing rights management server stores the size information of each incentive and calculates by section based on the point of payment determined incentive variable purchasing rights providing system. The system of claim 1, wherein the purchase incentive includes: a basic incentive for which a fixed size is paid for each consumer's payment order for each designated product;
The payment order is pre-payment order, which is increased in size, and is divided into additional incentives that are accumulated and paid according to the order number.
The incentive variable purchasing rights management server stores the size information of each incentive and calculates by section based on the point of payment determined incentive variable purchasing rights providing system. 23. The amount according to claim 21 or 22, wherein the additional incentive is reduced or increased in response to a change in the product of the incentive variable purchase voucher obtained by prepayment for the receipt and use of a particular product, or a change in the time limit for receipt or use. The incentive variable purchase right management server is incentive variable payment rights management system, characterized in that to store and determine the incentive size information for each situation to be paid incentives. Issued by being classified by product or category, financial rights can be guaranteed for a certain amount of payment, and purchase incentives that vary depending on the point of purchase, amount of purchase, and point of use can be granted. A first process of receiving the request signal from the seller and registering the information on the set incentive variable purchase right by the incentive variable purchase right management server;
A second step of receiving the future consumption plan information input by the consumer from the user terminal and registering the incentive variable purchase right management server;
A third step of extracting, by the incentive variable purchasing right management server, the incentive variable purchasing right information matched with consumption plan information registered by a consumer;
A fourth process of allowing the incentive variable purchase right management server to transmit the incentive variable purchase right information to a user terminal for reading;
A fifth step in which the incentive variable purchase right management server receives a purchase signal for a specific incentive variable purchase right;
A sixth process of the incentive variable purchase right management server issuing and processing the incentive variable purchase right to the corresponding user;
A seventh process of the incentive variable purchase right management server transferring the payment to the seller;
An eighth step of the incentive variable purchasing right management server dividing a section for a payment order of a consumer or a cumulative payment amount of the entire consumer for a corresponding product;
A ninth process of calculating and processing the incentive variable purchasing right management server to have an increased incentive size depending on whether the incentive variable purchase right management server is a line section;
A tenth step of paying, by the incentive variable purchase right management server, an incentive to pay to a consumer;
And an eleventh process of updating, by the incentive variable purchase right management server to receive the use signal of the incentive variable purchase right and update the account information. The method of claim 24, wherein the third process,
Receiving, by the incentive variable purchase right management server, a bid participation signal for issuing incentive variable purchase right after reading the future consumption plan information of the consumer from multiple seller terminals;
Selecting, by the incentive variable purchasing right management server, a predetermined number of bid information based on a predetermined selection criterion among bid information received to participate in a bid for issuing an incentive variable purchasing right;
And providing the incentive variable purchase right bid information to the user terminal by the incentive variable purchase right management server. The method of claim 24, wherein the fifth process comprises:
Setting up a payment guarantee limit for each merchant;
Checking, by the incentive variable purchase right management server, the cumulative issuance amount of the incentive variable purchase right issued for each affiliate store;
Determining, by the financial server, whether the cumulative issuance amount for each affiliate exceeds the payment guarantee limit;
Displaying, by the incentive variable purchase right management server, the guarantee or non-guaranteed information on the incentive variable purchase right according to whether the cumulative issuance amount for each merchant exceeds the payment guarantee limit;
Receiving, by the incentive variable purchase right management server, a user's payment signal for an incentive variable purchase right;
The method of providing a variable incentive variable purchase right further comprising the step of performing the payment processing by the incentive variable variable purchase right management server according to a user payment signal. The method of claim 24, wherein the sixth step is
The incentive variable purchase right providing method further comprises the step of registering in conjunction with the incentive variable purchase right information issued by the financial server and the card information of the consumer. The method of claim 24, wherein the fifth process comprises:
Registering, by the incentive variable purchasing right management server, payment reservation information so that a consumer can install a plurality of payments for the product in accordance with the type of goods available for purchase with the incentive variable purchasing right and the limit of receipt;
Determining, by the incentive variable purchase right management server, whether a payment date has arrived;
The method of providing an incentive variable purchase right further comprising the step of performing the payment processing by the incentive variable purchase right management server. delete The method of claim 24, wherein the eleventh process,
Receiving, by the financial server, merchant information, card information, and payment amount information;
Determining whether the incentive variable purchase right management server is matched with the corresponding card information and whether there is an incentive variable purchase right issued by the affiliate;
Comparing, by the incentive variable purchase right management server, a balance of the incentive variable purchase right with a payment amount;
Determining, by the incentive variable purchase right management server, whether a balance of the incentive variable purchase right is greater than or equal to a payment amount;
Performing, by the incentive variable purchase right management server, a payment process through a corresponding incentive variable purchase right when the balance is greater than a payment amount;
If the balance of the incentive variable purchase right management server is smaller than the payment amount, the incentive is further comprises the process of paying all the balance of the incentive variable variable purchase ticket, the remaining payment amount is settled with the card; How to provide a variable ticket. 26. The method of claim 25, wherein the selection criteria are criteria for selecting in order that incentives provided by the seller are higher. 27. The method of claim 26,
Next to the process of performing the payment processing by the incentive variable purchase right management server according to the user payment signal,
And providing an incentive variable in size according to whether the incentive variable purchase right management server guarantees the financial company of the incentive variable purchase right. 29. The method of claim 28, wherein upon payment of the incentive variable purchase voucher,
And processing the incentive variable purchasing right management server to determine the incentive size to be paid to the consumer in response to the order of payment and the size of the payment price.

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