KR101545991B1 - Simulation program and System for advance payment-agreement deal - Google Patents

Abstract

The present invention relates to a prepayment and agreement-based transaction simulation program, and a prepayment and agreement-based transaction system which are based on fluctuation of currency values and product values over time. If a consumer desires to purchase a particular product or service, the consumer is allowed to make a prepayment at a discounted price prior to the point in time when the consumer is provided with the product or the service and thereby, the invention enables a consumer to make reasonable consumption and a product supplier to perform an efficient management. The present invention comprises: a management server for providing a prepayment and agreement-based transaction simulation program, a supplier interface and a consumer interface; a consumer terminal connected to the management server via wired and wireless communication networks; and a supplier terminal wherein the supplier terminal provides product-based DB information via the supplier interface to the management server; the management server records the received DB information in a database of a prepayment and agreement-based transaction simulation program, and the consumer terminal runs the prepayment and agreement-based transaction simulation program via the consumer interface, and is configured to receive, a consent command for an electronic contract, which is created by the management server according to terms and conditions selected via the consumer interface.

Description

Simulation program and system for advance payment-agreement deal

The present invention relates to a prepaid-contract type transaction simulation program and a prepaid-contract type transaction system using money value and commodity value fluctuation over time, and it is an object of the present invention to provide a prepaid- It is a technology that makes reasonable consumption of consumers and effective management of goods suppliers by paying the discounted price in advance in advance.

When trading goods, payment is often made at the same time as purchasing. However, depending on the situation, pre-paid transactions, in which the payment is first paid and the goods are received later, . In the case of service transactions, it is not uncommon for the payment to be made at the same time as the provision of the service, and usually a pre-paid or post-paid transaction is made. Of course, there are many different trading methods that combine simultaneous payment, prepayment, and postpaid transaction methods. In particular, when purchasing automobiles, real estate, etc., it takes a lot of money, and various types of installment transactions are made, and credit card transaction contracts and loans are often accompanied.

Under the above-mentioned transaction method, in any case, when a consumer tries to purchase a product at a desired time, if the amount of cash held is insufficient, the customer must pay a loan from a financial institution or make a payment using a credit card. However, the loan interest and the credit card fee soon return to the household burden. In addition, there is a problem in that it is difficult for a company that supplies goods to predict the demand of a product, so there is a burden on the inventory, and a marketing promotion cost is excessively spent in order to promote sales activities to lower the inventory rate.

On the other hand, in the case of service products such as insurance, superannuation, and premium insurance, the consumer opens an account of the product after purchasing the product, and pays the insurance money or award at a predetermined date on a monthly basis. Services and so on. Such a transaction method is hereinafter referred to as a "prepaid-committed transaction". In contrast to the general prepayment type transaction in which the prepaid-contract type transaction is paid first and then the commodity is received, the payment method and the manner of providing the goods or services can be modified and operated in various ways according to the agreement. .

Although the above-mentioned prepayment-type transaction can be applied to sales of products and services in various fields other than insurance or counterfeit service, it is not activated yet. In the case of prepayment-contracted transactions, the consumer can pay the price in the form of regular savings after the purchase contract, so that he / she can prevent his / her money from being entered at a certain time. There are advantages to be able to.

However, the problems of the existing insurance and counterparty trading methods are the weak points of the prepayment - contract transactions. In other words, since it is a method of securing customers through a recruiter, it takes a lot of operating expenses and advertising costs. In the case of consumers, there is anxiety that the company may not be able to receive goods or services due to the closure of the corporation even though it has been paid as promised.

[Patent Document 1] Korean Patent Publication No. 0127160 "Online Sales System via Social Auction Method & [Patent Document 2] Korean Patent Registration No. 0955633 "Method of implementing timing market applying time gap information in on-line market" [Patent Document 3] Korean Patent No. 0717148 entitled " Service Discount System Using Time Linking Method & [Patent Document 4] Korean Patent Publication No. 2000-0036645 "Electronic Commerce System & [Literature 5] Korean Patent No. 0821610 entitled " [Patent Literature 6] Korean Patent Laid-Open Publication No. 2008-0020731 "Premise Service System Linked to Insurance and Its Method & [Patent Literature 7] Korean Patent Registration No. 0955631 "Method and System for Recommending Price and Shipping Information Combined with Time Gap Information in Online Market" [Patent Literature 8] Korea Registration No. 0942043 "Apparatus for providing ceremonial occasion service through online" [Patent Document 9] Korean Laid-Open Patent Publication No. 2012-0076545 "Method and Apparatus for Payment of Fees for Premature Service According to Participation of Premium Payment"

The present invention provides a prepayment-type trading simulation program and a prepayment-type trading system that maximize advantages of prepaid-contract type trading using information, communication, and computer technology, minimize disadvantages and apply them to various products and services. It has its purpose.

That is, the present invention calculates the future value increase and decrease of goods and services that change with the passage of time through the prepaid-contract type transaction, and converts the period between the payment time and the time of providing the goods or service into economic value By doing so, it activates the transaction and pursues the interests of both consumers and goods suppliers.

The present invention relates to a program for driving a computer control unit, which comprises a database for a normal price (w), a discount rate parameter (a), a lump-sum discount rate parameter (a ' 1] to [Expression 5], and (1) the computer control unit assigns the unit period number (X) for the designated commodity provided through the interface to the following expression 1 to calculate the discount rate Y step; (2) calculating a balance (b) by substituting the monotone solution (d) inputted through the interface by the computer control unit into the following equation (2); (3) The computer control unit compares the discount rate (Y) and the balance (b) to the following formula (3) to calculate the determination price (Z); And (4) calculating the one-time payment amount (Zn) and the delivery interval (F) by substituting the delivery number (n) into the following equations (4) and (5) Quot; prepaid-contracted transaction simulation program " stored in the medium in order to execute the program.

[Equation 1] to [Equation 5] are as follows.

[Formula 1]

Y = a X / 100, X: number of unit periods, Y: discount rate, a: discount rate parameter

[Formula 2]

b: w: normal value, d: monotone payment amount, a ': lump-sum discount rate parameter

[Formula 3]

Z = (1-Y) · b, Z: determination price

[Formula 4]

Zn = Z / n, Zn: one payment, n: payment

[Formula 5]

F = X / n. F: Payment interval

The present invention is characterized in that "the upper limit value Xmax of the number of unit periods X is set in the database and when the inputted number of unit periods X exceeds the upper limit value Xmax, , The upper limit value Xmax is substituted for the unit period number X input in [Formula 2] and [Formula 5].

The present invention is characterized in that the upper limit value Xmax of the number of unit periods X is set in the database and the input of the number of unit periods X exceeding the upper limit value Xmax is limited. - Simultaneous trading simulation program ".

(5) The computer control unit extracts a fixed discount rate (Y ') of a designated commodity from the database, and substitutes the fixed discount rate (Y') into the following equation (6) to calculate a fixed determination price (Z '). (A), a unit period setting value, and a unit period number (X) are specified as the prerequisite information. Fixed accumulation trading mode; (W), a discount rate parameter (a) and a lump sum discount rate parameter (a ') are specified as prerequisite information. And a non-fixed free trade mode in which no precondition information is specified; (1) to (4) are executed when the program mode is set to the fixed accumulation transaction mode or the designated free transaction mode, and when the program mode is set to the non-fixed free transaction mode And the step (5) is executed to execute the prepaid-commitment type transaction simulation program.
[Formula 6]
Z '= (1-Y' / 100) · w, Y ': fixed discount rate, Z'

Further, the present invention is characterized in that, in the step (2), the computer control unit extracts a fixed discount rate (Y ') of a designated commodity from the database and substitutes the fixed discount price (Y') into [Equation 6] (W) value in Equation (2) to the normal price (w) value of Equation (2).
[Formula 6]
Z '= (1-Y') · w, Y ': fixed discount rate, Z': fixed fixed price

Further, the present invention provides " a management server for providing a prepaid-commitment type transaction simulation program, a supplier interface and a consumer interface, A consumer terminal connected to the management server via a wire / wireless communication network; And a supplier terminal; Wherein the provider terminal provides product-specific DB information to the management server via a supplier interface, the management server records the received DB information in a database of the prepaid-agreement transaction simulation program, Wherein the prepaid-agreement type transaction simulation program is run through an interface and the acceptance command is received in an electronic contract created and provided by the management server according to the conditions adopted through the consumer interface. System "together.

The present invention can activate the prepaid-traded market.

Consumers can purchase products and services at a discounted price according to their funding situation, payment amount, payment amount and payment period through the simulation program according to the prepaid-contract type transaction and receive goods and services at the necessary time have. In addition, it is closely related with people's life such as marriage, childbirth, employment, going to school, studying abroad, medical care, molding, car purchase etc. However, When purchasing a product having a large difference, it is possible to receive a purchase condition of a related product from a plurality of suppliers, so that it can be purchased by a small amount of comparison with a plurality of products.

The product supplier can reduce the inventory management cost according to the prepaid-contract type transaction, and by adjusting the production amount or preparing the service by grasping the product demand amount according to the time, it is possible to provide convenience of management and accounting as well as unnecessary cost expenditure Can be prevented. In addition, by applying a discount rate according to various transaction methods, it is possible to maximize profits by diversifying sales lines and increasing sales.

In addition, from the viewpoint of the subject (management server) operating the program, system and method for the prepaid-commitment type transaction provided by the present invention, the profit structure of the profit received by the prepaid money and the management fee received from the goods supplier , Which can also contribute to the creation of new forms of jobs.

FIG. 1A and FIG. 2B are graphs showing a product discount rate according to time when a fixed accumulation transaction method and a non-fixed free transaction method are applied to the prepaid-commitment type transaction simulation program provided by the present invention.
FIGS. 2A to 2C illustrate step-by-step examples of simulation results of a product by the prepaid-agreement type transaction simulation program provided by the present invention.
[Fig. 3] is a schematic diagram of a prepaid-committed trading system provided by the present invention.
4 is a schematic diagram of a management server configuration of the present invention.
5A-5C are flow diagrams of examples of methods in which a prepaid-subscription transaction proceeds using the system provided by the present invention.

In the modern capitalist market, prices are rising with the passage of time, and the monetary value of the same face value falls relatively. Conversely, the current monetary value is relatively higher than the future monetary value of the same face value. When we look at a product, if the present and future prices for the same product are the same, the value of the commodity drops as the value of money declines. Hereinafter, the difference in value between the same denomination currency and the same commodity according to time difference is referred to as 'time value'.

The present invention relates to a method and system for prepayment-contracted transactions in which a commodity price is paid in advance and a commodity is received in the future (or a transaction in which a service is provided in the future) Program, system, and method. Here, the 'discounted price reflecting the time value' refers to the price derived from the sum of the time value between the payment time point and the receipt time of the goods (service) and the inflation rate during that period.

According to the pre-payment transaction according to the present invention, the consumer does not need it right now, but he or she can pay for the goods (or services) later, . It is also advantageous that even if commodity prices are raised during the contracted period, they are not affected by inflation because they are prepaid transactions based on contracts. For example, if a sophomore in high school plans to undergo a post-math test after one year, he or she will be able to pay for the discounted amount as a one-time value for the first time, or as a free-form, and then undergo plastic surgery at any time.

Hereinafter, the program, system and method according to the present invention will be described in detail.

Ⅰ. prepayment - Commodity trading simulation program

The pre-payment transaction simulation program (hereinafter, abbreviated as "simulation program") provided by the present invention is a program for driving the computer control unit and includes a normal price w, a discount rate parameter a, a ') and a unit period set value are constructed.

The term 'commodity' is a broad commodity including 'service'. It is preferable that the database is structured so that a category of a commodity, a manufacturer (provider in the case of a service), a commodity name, and the like are recorded together to search for a specific commodity by means of sorting, keyword search,

The normal price (w) is the price offered for the general transaction, not the prepaid-committed transaction.

The discount rate parameter (a) is a variable for determining the discount rate at the time of installment transaction, and can be set individually according to the company's policy.

The above-mentioned lump-sum discount rate parameter (a ') is a variable for determining the discount rate when all or a part of the commodity price is paid at a time, and this can also be set individually according to the commodity according to the policy of the company.

The discount rate parameter (a) and the lump sum discount rate parameter (a ') can be fixed to a specific value, but can be set to change in association with the unit period number X. In this case, The discount rate parameter (a) and the lump-sum discount rate parameter (a ') change table can be stored.

The unit period setting value is a value obtained by setting the unit period to one day, one week, one month, one year, and the like. The unit period setting value may be set to any value such as 3 days, 10 days, 15 days for each product. For example, if the unit period setting value is set to 1 month, the unit period number (X) 10 means 10 months.

Hereinafter, the simulation program will be described in detail for each driving step.

1. Step (1)

In this step, the computer control unit calculates the discount rate Y by substituting the number of unit periods (X) for the designated commodity inputted through the interface into the following equation (1).

[Formula 1]

Y = a X / 100, X: number of unit periods, Y: discount rate, a: discount rate parameter

For example, when the discount rate parameter of the product A is 1 and the unit period setting value is 1 month, if the unit period number (X) is 20, the discount rate (Y) becomes 0.2.

2. Step (2)

This step is a step of calculating the remaining amount (b) by substituting the monotone payment amount (d) received by the computer control unit through the interface into the following formula (2).

[Formula 2]

b: w: normal value, d: monotone payment amount, a ': lump-sum discount rate parameter

In the above example, if the normal price (w) of the above-mentioned product is 1 million Yuan, the lump sum discount rate parameter (a ') is set to 0.02, and the monotone amount d of the consumer is 500,000 won, 300,000 won (1 million won-500,000 won (1 + 0.02 × 20) = 300,000 won}. On the other hand, if there is no monetary amount (d), the balance becomes 1 million won.

3. Step (3)

This step is a step in which the computer control unit calculates the discount price (Y) and the remaining amount (b) into the following formula (3) to calculate the determination price (Z).

[Formula 3]

Z = (1-Y) · b, Z: determination price

In the above example, if the balance (b) is 300,000 won, the determined price (Z) is 240,000 won. ((1-0.2) 300,000 won = 240,000 won}. If the balance (b) is 1 million won, the determination price (Z) is 800,000 won. {(1-0.2) x 1 million won = 800,000 won}.

4. Step (4)

This step is a step in which the computer control unit calculates the one-time payment amount (Zn) and the delivery interval (F) by substituting the delivery number (n) into [Equation 4] and [Equation 5].

[Formula 4]

Zn = Z / n, Zn: one payment, n: payment

[Formula 5]

F = X / n. F: Payment interval

In the above example, if the number of payments (n) is 10, if the balance is 300,000 won, 30,000 won should be paid once every two months. In this case, the total amount paid by the consumer for the purchase of the product worth 1 million won is 800,000 won (500,000 won for the full payment, 300,000 won for the installment).

If the balance is 1 million won, you have to pay 100,000 won once every two months.

The company supplying the goods may make a difference in the total payment amount depending on whether it is a one-time payment or not by adjusting the discount rate parameter (a) and the one-time discount rate parameter (a '), The total payment amount and the installment payment amount for the payment type of the various conditions can be grasped in advance.

However, if the number of unit periods is excessively large, a loss may occur to a company providing a commodity instead of obtaining a period profit from the consumer. Therefore, in the simulation program, when the upper limit value Xmax of the number-of-items-per-unit period number X is set in the database and the input unit period number X exceeds the upper limit value Xmax, The upper limit value Xmax may be substituted into the above-mentioned Expression 1, Expression 2, and Expression 5 in place of Expression (X).

For example, if the upper limit value Xmax of the unit period number X for the upper product is set to 30, even if the consumer who intends to purchase the upper product enters 40 as the unit period number X, The X values of [Equation 1], [Equation 2] and [Equation 5] are applied as 30 instead of 40 in the steps (2) and (4).

Accordingly, in the step (1), the discount rate of the product A is calculated as 0.3 according to the formula 1 (1 x 30/100 = 0.3).

(B) is calculated to be 200,000 won according to the above formula (2) in the step (2) above when the consumer lays out 500,000 won in a single instance (1 million won - (1 + 0.02 x 30) x 500,000 won = 200,000 won).

In step (3), the determination price Z of the first product is calculated to be 160,000 KRW according to the formula 3, and in step (4), when the number of deliveries (n) is 10, (F / W) is calculated as 3 months (30/10 = 3).

Alternatively, the upper limit value Xmax of the product unit period number X may be set and the upper limit value Xmax may be recorded in the database so that the input of the unit period number X exceeding the upper limit value Xmax Restricted configurations can prevent companies from losing excessive periods.

Each of the above steps (steps (1) to (4)) can be executed individually according to the operation of the program. For example, the consumer can search for a commodity for which a proper discount rate is provided by operating the simulation program in a state where the determination price (Z), the unit period setting value and the unit period number (X) are set.

Hereinafter, a method of searching for a product provider when contracting a plastic surgery having a normal price of 1 million Yuan for 800,000 won ten months ago will be explained through [Example 1] and [Example 2].

[Example 1]

A fixed value is input to the simulation program through a UI (User Interface) provided by the program. The fixed values are as follows.

- fixed value

Normal price (w): 1 million won

Decision price (Z): 800,000 won

Unit period Setting value: 1 month

Number of unit periods (X): 10

In this case, when the monetary amount of payment (d) is inputted as 0 yen, the discount rate is calculated as 0.2 (800,000 won = (1-Y) x 100,000 Yuan, Y = 0.2}.

Then, the discount rate parameter (a) is calculated to be 2 (0.2 = a · 10/100, a = 2) by the above-mentioned [Expression 1]. Accordingly, it is possible to search for a plastic surgery hospital which is searched for under the condition of a discount rate parameter (a) 2 in a database built in the simulation program, and to provide the result as a result value. The customer can use the simulation program (Zn), the number of payouts (n), and the interval of payment (F) can be grasped.

Hereinafter, a transaction method in which a certain amount of money is paid in installments at predetermined intervals to trade a product at a discounted price after a specific period will be referred to as a " fixed accumulation transaction ". According to this fixed installment transaction method, since the transaction target product (category, manufacturer, brand, etc.) is designated and the transaction type (unit period, unit period number, etc.) is fixed, the commodity supplier can clearly grasp the commodity demand and the payment receipt time Therefore, it is possible to present a discount rate at a high level, and a consumer can establish an accurate expenditure plan and receive a desired product at a low price.

[Example 2]

On the other hand, when the fixed value of the above [Embodiment 1] is the same, if the consumer wants to pay the determined price (Z) 800,000 won by 10 months in advance, the monetary amount (d) is entered as 800,000 won. In this case, since the balance becomes 0 yen, the lump-sum discount rate parameter (a ') is calculated as 0.025 by the formula 2 (0 = 1 million won-800,000 won (1 + a' }. Accordingly, it is possible to search for a plastic surgery hospital which is searched for under the condition of a single discount rate parameter (a ') of 0.025 in a database built in the simulation program, and to provide it as a result value.

In addition, there may be cases where the user initially intends to pay only 500,000 won and then pay the balance after 5 months. In this case, according to [Equation 2], the balance (b) becomes 437,500 won (b = 1 million won-500,000 won (1 + 0.025 × 5), b = 437,500 won}. If you are a burdened customer to regularly pay a certain amount of money at regular intervals, you may choose to make a payment every time you have spare money.

A transaction method that does not specify a commodity (category, brand, manufacturer, etc.) as described above but does not specify a transaction type (unit period, number of unit periods, amount paid once, etc.) will be referred to as "designated free transaction" in the following.

[Example 3]

The above-mentioned designated free-trade transaction system can be changed and operated in such a manner that an account can be opened freely without setting a commodity or a service through the following prepaid-agreement transaction system, and the transaction can be accumulated without being limited to the accumulated amount or the accumulated number of times. In this case, since the product to be purchased is not limited by the consumer, the account can be operated without specifying the category, the brand, the product name, the manufacturer, the delivery method, the delivery frequency, the payment amount, Consumers can purchase items as quickly as they would in a typical online marketplace, if they have the goods they need. Hereinafter, this transaction mode will be referred to as "non-arbitrary free transaction".

However, in the case of the non-fixed free trade, since the unit period number X is 0, the discount rate Y is calculated to be 0 according to the above formula 1, even if the discount rate parameter (a) do. In addition, since the cost is accumulated without designating the number of commodities or the number of unit periods (X), the application of the above expression (2) is excluded. Therefore, in this case, the fixed discount rate (Y ') may be applied so that the consumer can trade products at a discounted price rather than a normal price (w).

In summary, the fixed accumulation transaction method and the designated free transaction method shown in the above-mentioned [Embodiment 1] and [Embodiment 2] can simulate the information according to the transaction result through [Equation 1] to [Equation 5] .

On the other hand, in the non-fixed free trade mode shown in [Example 3], the computer control unit extracts a fixed discount rate (Y ') of a designated commodity from the database without applying [Equation 1] to [Equation 5] 6], and calculates the fixed decision price Z '(step (5)). Therefore, in order to apply the above-mentioned non-fixed free trading method, a separate mode setting is required in the simulation program.

[Formula 6]

Z '= (1-Y') · w, Y ': fixed discount rate, Z': fixed fixed price

For example, when the normal price (w) of a product is 10,000 won and the fixed discount rate is 0.05, the fixed decision price (Z ') of the product A according to the non-fixed free trade is 950,000 won.

Since the non-fixed free trade is not specific to which commodities are traded, there is a difficulty in inventory management and demand forecasting for the commodity suppliers, so that the discount rate can be set to be lower than the above-mentioned fixed accumulation type transaction or designated free transaction type .

[Example 4]

However, when the fixed installment unit period and the number of unit periods X are small, the non-fixed free trade may be more advantageous (refer to FIG. 1A) The non-fixed free-trade is favorable.

Therefore, the operation mode of the program is changed as necessary in order to induce the fixed accumulation transaction for the merchandise provider, and in the step (2), the fixed discount rate (Y ') of the designated commodity is extracted from the database, ] Can be substituted into the normal price (w) value of [Equation 2] so that the balance (b) is calculated.

For example, when the normal price (w) of a commodity is W1 million, and the fixed price (Z ') of the commodity according to the non-fixed free trade is 950,000 won, the normal price (w) (Z ') of W950,000 instead of W1,000,000, it is possible to prevent the situation from being disadvantageous as compared with the non-fixed free trade in terms of consumers even if the fixed installment-type unit period setting value and unit period number (X) are small (See FIG. 1B).

However, such discount application may be an overburden to the supplier. Therefore, when there is a special circumstance in which the supplier must induce fixed accumulation transaction, when the supplier requests for the product, can do.

The characteristics of the fixed-settled transaction, the designated free transaction and the non-fixed free transaction are summarized in Table 1 below.

[Table 1]

In the case of using the simulation program as described above, besides the above embodiment, it is possible to simulate a variety of goods, pricing, contract period, and transaction method that the consumer needs under various fixed value conditions. FIGS. 2A to 2C show step-by-step examples of simulation results of a product by a prepaid-commitment type transaction simulation program provided by the present invention.

Ⅱ. Prepay-Commitment Trading System

The present invention relates to " a management server for providing the above-described simulation program and a provider interface and a consumer interface; A consumer terminal connected to the management server via a wire / wireless communication network; And a supplier terminal; Wherein the provider terminal provides product-specific DB information to the management server via a supplier interface, the management server records the received DB information in a database of the simulation program, Wherein said management server is configured to run a simulation program and to receive a consent order in an electronic contract created and provided by said management server according to conditions adopted through a consumer interface 3]). Hereinafter, the connection relationship between each component and the components of the prepaid-committed transaction system will be described in detail.

4, a computer device having a data input / output module, a data storage module, an information processing module, a control and management module, and a communication module is connected to a consumer terminal and a supplier terminal through a wired / wireless communication network have. The management server provides the simulation program and the consumer interface to the consumer terminal, and provides the supplier interface to the provider terminal.

The wire / wireless communication between the management server, the consumer terminal, and the provider terminal can be performed through a mobile app or a web service.

The management server may provide a simulation program to a consumer terminal by combining the simulation program in an application program providing a consumer interface and updating the program periodically or in real time, And can be selectively connected to the simulation program stored in the management server through an application program. It is also possible to make the calculation source of the simulation program ([Expression 1] to [Expression 5]), the executable file and the like downloadable from the consumer terminal, and connect the database through the management server.

In addition, the management server can manage and manage the customer information, the goods supplier information, the virtual account information generated according to the transaction, and the transaction history information for each consumer.

The provider terminal provides its product-specific DB information to the management server through a supplier interface provided from the management server. Basic information such as a normal price (w), a discount rate parameter (a), a lump-sum discount rate parameter (a ') and an upper limit value Xmax of the unit period number X , Product category, product feature information, product advertisement, various event information, and the like.

The management server records DB information received from the provider terminal in real time or periodically in the database of the simulation program.

In the consumer terminal, the simulation program can be driven through the consumer interface (direct driving of the simulation program stored in the consumer terminal, remote driving of the simulation program stored in the management server, direct / remote parallel driving, etc.).

The consumer can transmit the simulation program to the management server by adopting the condition corresponding to his / her situation through the consumer interface while driving the simulation program variously through the consumer terminal, and the management server creates the electronic contract meeting the received condition And if it is provided to the consumer terminal, the consumer terminal is configured to be able to receive a consent order of the consumer for the electronic contract.

The consumer using the present invention as described above simulates according to the time of receiving the commodity, the number of times of payment, and the amount of payment, selects an appropriate commodity, enters into a contract with the management server, and pays the money to the account designated as the prepaid payment method for a predetermined period. Or when an event occurs, the transaction is terminated by providing goods or services at the goods supplier side.

If there is a consumer's outstanding payment at the time of providing the goods or service, the merchandise supplier can temporarily pay off the payment from the consumer and end the transaction.

The customer terminal provides the desired product name and the desired price input through the consumer interface to the management server, and the management server extracts the product information corresponding to the desired product name and the desired price from the database of the prepaid-agreement transaction simulation program The present invention can be configured to provide the present invention to the consumer terminal.

Further, the present invention provides a guarantee insurance server connected to the management server and a wired / wireless communication network; As shown in FIG.

In this case, the management server receives a guarantee insurance issuance request signal from the consumer terminal or automatically generates the guarantee insurance issuance request signal according to predetermined conditions and delivers the signal to the guarantee insurance server. The guarantee insurance server issues a guarantee insurance according to the guarantee insurance issuance request signal To the management server.

Specifically, in the case where a consumer using the present invention is given and controlled a grade using the present invention, and a consumer having a certain grade or higher proceeds the prepaid-commitment type transaction, the management server collectively sends a guarantee insurance issuance request signal to the guarantee insurance server As shown in FIG.

In addition, a consumer may separately transmit a guarantee insurance issue request signal to the management server for each case in which the prepaid-commitment type transaction is performed through the present invention, and the management server may transmit the signal to the guarantee insurance server again.

The guarantee policy is an agreement that the management server will supply the goods for the amount paid by the consumer on behalf of the goods supplier if the goods or services provided by the goods supplier are not properly supplied to the consumers or if the consumer's complaints are received. .

Further, the present invention provides a financial institution server connected to the management server via a wire / wireless communication network; As shown in FIG. Accordingly, the management server is configured to generate a virtual account in which a transaction contract target product and a transaction name are specified, and is associated with the financial institution server, and transaction name authentication information of the virtual account. That is, one virtual account is opened per one commodity to be traded, and the commodity price is paid through the virtual account.

In addition, the management server collects the entrance / exit information of the virtual account in real time and constructs a transaction account field, so that the consumer terminal receives the transaction name authentication information of the virtual account through the consumer interface, And to provide a management mode for the transaction account field after receipt of an authentication confirmation signal from the management server. Accordingly, the consumer can browse the entry / withdrawal history of the virtual account through the consumer interface of the consumer terminal.

The customer can deposit the money into the virtual account by automatic or manual cash transfer, credit card money transfer, or the like. The reserve of the virtual account can be converted into a transaction means which is commonly used in on-off-line such as cash, cyber money, virtual money, and electronic money.

Also, the management server receives the transfer signal for the virtual account and the transfer person identification information from the specific consumer terminal, confirms the transaction name authentication information for the virtual account, and receives a positive agreement signal from the consumer terminal of the designated recipient The transaction name and the transaction name authentication information can be renewed and registered. That is, it is possible to allow transfer and transfer of virtual accounts between consumers using the prepaid-agreement type transaction system provided by the present invention. When one of the consumers tries to transfer the virtual account of his name to another person, the following process proceeds.

1) The consumer terminal transmits the transfer signal for the virtual account input through the consumer interface to the management server together with the assignment information.

2) The management server receives the transfer signal and requests the transaction name authentication information of the virtual account to the consumer terminal that has transmitted the transfer signal.

3) The consumer terminal transmits the transaction name authentication information, and the management server analyzes the transaction identification information, analyzes the transfer person identification information, generates transfer information and virtual account information, Request a positive agreement signal along with the transfer information and the virtual account information.

4) The above-mentioned consumer terminal receives renewal signal from the consumer terminal of the transferee, and renews and registers the transaction name and transaction name authentication information.

In this case, the management server can set a fee for the virtual account transfer / amortization service.

In addition, the present invention provides a loan server connected to the management server via a wired / wireless communication network; The management server accepts a loan request signal from the consumer terminal and delivers the loan request signal to the loan server, and the loan server transmits a loan approval result according to the loan request signal to the management server And transfer the loan to the virtual account. According to such a configuration, when there is a remittance of the consumer remaining at the time of providing the goods or service at the goods supplier side, the management server side can arrange the lending and make the unpaid payment complete.

In addition, even when a specific event occurs before the expiration of the contract period, or if the customer pays a lump sum payment by requesting the commodity before the expiration of the contract period, the management server can provide the loan lending program through the loan server. When the loan request signal is inputted through the consumer interface of the consumer terminal, the management server can receive the loan request signal and check whether the loan can be made to the loan server, and deliver the result of the loan request to the consumer.

Such prepayment-type transactions can be applied to cases where accurate forecasting is difficult as well as precise prediction of when goods or services are needed. It is not precise but it is possible to deal with a service item to prepare for a funeral such as a funeral, a marriage, a birthday party, a sixty-eighth which is likely to occur in the future, and the like. can do. It is especially advantageous for pre-payment transactions in merchandise transactions that require money.

In addition, commodity suppliers using prepaid-committed transactions are advantageous in terms of demand forecasts. If the demand for the goods to be supplied is known, even if a greater discount is offered, the operating profit can be further increased.

A specific transaction may be performed by interaction between the consumer terminal, the supplier terminal, the management server, the guarantee insurance server, the financial institution server, and the loan server using the prepaid-agreement type transaction simulation program and the prepaid-commitment type transaction system as described above.

5A is a flow chart illustrating a process of a fixed accumulation transaction method. 5B shows a flow of a transaction process when a fixed installment transaction is performed for a predetermined period and the installment balance is paid at a time. FIG. 5C shows a flow of a process of paying an installment balance through a loan. The prepaid-committed transaction method can be combined in various orders and methods besides the methods shown.

The present invention has been described with reference to the accompanying drawings. However, the present invention is not limited to the embodiments described with reference to the accompanying drawings, and various modifications and variations are possible without departing from the gist of the present invention. It is therefore intended that the appended claims cover such modifications and variations as fall within the true scope of the invention.

Not applicable

Claims (12)

A database for the normal price w, discount rate parameter (a), lump-sum discount rate parameter (a ') and unit period setting value is constructed as a program for driving the computer control unit, Equation 5] is built in,
(1) calculating a discount rate (Y) by substituting the number of unit periods (X) for a designated commodity provided by the computer control unit through the interface into the following equation (1);
(2) calculating a balance (b) by substituting the monotone solution (d) inputted through the interface by the computer control unit into the following equation (2);
(3) The computer control unit compares the discount rate (Y) and the balance (b) to the following formula (3) to calculate the determination price (Z); And
(4) calculating the one-time payment amount (Zn) and the delivery interval (F) by substituting the number of times of delivery (n) into the following equations (4) and (5); Prepaid - contracted trading simulation program stored on media to execute.
[Formula 1]
Y = a X / 100, X: number of unit periods, Y: discount rate, a: discount rate parameter
[Formula 2]
b = wd (1 + a '· X), b: balance, w: normal price, d:
[Formula 3]
Z = (1-Y) · b, Z: determination price
[Formula 4]
Zn = Z / n, Zn: one payment, n: payment
[Formula 5]
F = X / n. F: Payment interval
The method of claim 1,
The upper limit value Xmax of the product unit period number X is set in the database and when the input unit period number X exceeds the upper limit value Xmax, Wherein the upper limit value (Xmax) is substituted for the unit period number (X) input in [Formula 5].
The method of claim 1,
Wherein the upper limit value Xmax of the unit period number X per product is set in the database and the input of the unit period number X exceeding the upper limit value Xmax is limited. Simulation program.
The method of claim 1,
(5) The computer control unit extracts a fixed discount rate (Y ') of a designated commodity from the database, and substitutes the fixed discount rate (Y') into [Equation 6] to calculate a fixed determination price Z ' Further comprising:
Wherein the program mode is a fixed accumulation transaction mode in which a normal price (w), a discount rate parameter (a), a lump sum discount rate parameter (a '), a unit period setting value and a unit period number (X) (W), a discount rate parameter (a) and a lump sum discount rate parameter (a ') are specified as prerequisite information. And a non-fixed free trade mode in which no precondition information is specified; , And is configured to be set to any one of the following:
When the program mode is set to the fixed accumulation transaction mode or the designated free transaction mode, the steps (1) to (4) are executed,
And the step (5) is executed when the program mode is set to the non-fixed free trade mode.
[Formula 6]
Z '= (1-Y' / 100) · w, Y ': fixed discount rate, Z'
The method of claim 1,
In the step (2)
The computer control unit extracts a fixed discount rate (Y ') of a designated commodity from the database and substitutes the fixed fixed price (Z') calculated by substituting it into the following equation (6) into the normal price A pre-paid transaction simulation program stored in the medium.
[Formula 6]
Z '= (1-Y') · w, Y ': fixed discount rate, Z': fixed fixed price
A management server for providing a prepaid-committed transaction simulation program, a supplier interface and a consumer interface stored in the medium of any one of claims 1 to 5; A consumer terminal connected to the management server via a wire / wireless communication network; And a supplier terminal; / RTI >
The provider terminal provides product-specific DB information to the management server through a supplier interface,
The management server records the received DB information in the database of the prepaid-committed transaction simulation program,
Wherein the consumer terminal is configured to operate the prepaid-agreement type transaction simulation program through a consumer interface and to receive an agreement command in an electronic contract created and provided by the management server according to conditions adopted through a consumer interface Prepaid - Commitment Trading System.
The method of claim 6,
The consumer terminal provides the desired product name and the desired price input through the consumer interface to the management server,
Wherein the management server extracts product information corresponding to the desired product name and the desired price from the database of the prepaid-committed transaction simulation program and provides the extracted product information to the consumer terminal.
The method of claim 6,
A guarantee insurance server connected to the management server and a wired / wireless communication network; Further comprising:
The management server receives a guarantee insurance issuance request signal from the consumer terminal or automatically generates the guarantee insurance issuance request signal according to predetermined conditions and delivers the signal to the guarantee insurance server,
And the guarantee insurance server issues a guarantee insurance according to the guarantee insurance issuance request signal and delivers the guarantee insurance to the management server.
The method of claim 6,
A financial institution server connected to the management server via a wire / wireless communication network; Further comprising:
Wherein the management server is configured to generate a transaction name and a transaction name and a virtual account associated with the financial institution server and transaction name authentication information of the virtual account.
The method of claim 9,
The management server collects the entrance / exit information of the virtual account in real time to construct a transaction account field,
Wherein the customer terminal is configured to receive the transaction name authentication information of the virtual account through the customer interface and provide the transaction name to the management server and to provide a management mode for the transaction account field after receiving the authentication confirmation signal from the management server Prepaid - Commitment Trading System.
The method of claim 9,
The management server receives the transfer signal for the virtual account and the assignment information for the virtual account from the specific consumer terminal, confirms the transaction name authentication information for the virtual account, receives a positive agreement signal from the consumer terminal of the designated transferee, And to update and register the transaction name authentication information.
The method of claim 9,
A loan server connected to the management server via a wire / wireless communication network; Further comprising:
The management server receives a loan request signal from the consumer terminal and transmits the loan request signal to the loan server,
Wherein the loan server transmits the loan approval result according to the loan request signal to the management server and sends the loan to the virtual account.

Images