KR102439607B1 - Method and server for providing product in advance by using financial product as security - Google Patents

Abstract

A product providing method for providing products in advance through financial product-based collateral performed by a product providing server includes the steps of receiving subscription information of a first user for a first financial product from a financial server; 1 providing virtual money corresponding to at least a part of the amount to be paid by the user to the terminal of the first user; and remittance information indicating that the product price corresponding to the virtual money has been remitted from the financial server to an account corresponding to the product providing server and receiving, wherein the virtual money is used for payment of a product pre-provided by the product providing server, and the product price may be generated from an investment in a second financial product.

Description

Method and server for providing products in advance through collateral based on financial products

The present invention relates to a method and a server for providing products in advance through collateral based on financial products.

In general, a user purchases a product by paying a lump sum or installment payment for the product he or she wants to purchase.

Among them, the interest-free installment service is mainly provided in large Internet shopping malls, and it is difficult to arbitrarily adopt the interest-free installment method because transactions with credit card companies or banks cannot be made directly in small Internet shopping malls.

In addition, even if a large Internet shopping mall provides an interest-free installment service, since the interest-free installment period is limited to about 3-6 months, users who want longer-term installments have no choice but to purchase the product at a high interest rate.

On the other hand, in the existing commerce market, since the price for the same product is formed in various ways depending on the sales place, the user directly accesses the sales website of the product and purchases the product price and purchase conditions (e.g., installment conditions, refund conditions) etc.) and searched for information, and then had to purchase the product.

Korean Patent Publication No. 2003-0074548 (published on September 19, 2003)

The present invention is to solve the problems of the prior art described above, by providing virtual money to the terminal of the first user using the first financial product subscribed by the first user as collateral, so that the first user can purchase the product using the virtual money We want to provide you with a way to pre-purchase.

In addition, the present invention intends to receive a product price corresponding to virtual money from a financial server as an investment in a second financial product, and purchase a product that the first user pre-purchased with the received product price through a vendor. However, the technical problems to be achieved by the present embodiment are not limited to the technical problems described above, and other technical problems may exist.

As a technical means for achieving the above-described technical problem, the product providing method for pre-providing a product through a financial product-based collateral performed by the product providing server according to the first aspect of the present invention is a method of providing a product from a financial server to a first user's receiving subscription information with a first financial product; providing virtual money corresponding to at least a portion of the amount to be paid by the first user due to the first financial product to the terminal of the first user; and receiving, from the financial server, remittance information indicating that the product price corresponding to the virtual money has been remitted to an account corresponding to the product providing server, wherein the virtual money is a product of the product provided in advance by the product providing server. It is used for settlement, and the product price may be generated from an investment in a second financial product.

According to a second aspect of the present invention, a product providing server for providing products in advance through financial product-based collateral includes: a subscription information receiving unit configured to receive subscription information of a first user to a first financial product from a financial server; a virtual money providing unit providing virtual money corresponding to at least a portion of the amount to be paid by the first user due to the first financial product to the terminal of the first user; and a remittance information receiving unit for receiving remittance information indicating that the product price corresponding to the virtual money has been remitted from the financial server to an account corresponding to the product providing server, wherein the virtual money is provided in advance by the product providing server It is used for product settlement, and the product price may be generated from an investment in a second financial product.

A product providing method for pre-providing a product through a financial product-based collateral performed by a financial server according to a third aspect of the present invention is a first subscription for a first user's subscription to a first financial product from a first terminal. performing a subscription procedure of the first user to the first financial product by receiving information; transmitting at least one of the first subscription information of the first user to a product providing server; receiving second subscription information for a second user's subscription to a second financial product from a second terminal and performing a subscription procedure for the second user to the second financial product; and remittance information indicating that the product price corresponding to virtual money corresponding to at least a part of the amount to be paid by the first user due to the first financial product has been transferred to an account corresponding to the product providing server. and transmitting the virtual money to the terminal of the first user by the product providing server, wherein the virtual money is used for payment of a product provided in advance by the product providing server, and the product The payment may be generated from an investment in the second financial product.

The above-described problem solving means are merely exemplary, and should not be construed as limiting the present invention. In addition to the exemplary embodiments described above, there may be additional embodiments described in the drawings and detailed description.

According to any one of the above-described problem solving means of the present invention, the present invention provides virtual money to the terminal of the first user with the first financial product subscribed by the first user as collateral so that the first user can use the virtual money A method to pre-purchase the product may be provided.

In addition, according to the present invention, a product price corresponding to virtual money is provided from a financial server as an investment in a second financial product, and a product that the first user pre-purchased can be purchased through a seller with the received product price.

Through this, the present invention can provide the same effect as the existing interest-free installment system because the first user can pre-purchase the product with the monthly payment due to the first financial product.

1 is a configuration diagram of a system for providing products in advance through collateral based on financial products, according to an embodiment of the present invention.
2 is a block diagram of the product providing server shown in FIG. 1 according to an embodiment of the present invention.
3A to 3B are diagrams for explaining a method of pre-providing a product through collateral based on a financial product, according to an embodiment of the present invention.
4 is a flowchart illustrating a method of providing a product in advance through a financial product-based collateral performed by a product providing server according to an embodiment of the present invention.
5 is a flowchart illustrating a method of providing a product in advance through a financial product-based collateral performed by a financial server according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention. However, the present invention may be embodied in several different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification, when a part is "connected" with another part, this includes not only the case of being "directly connected" but also the case of being "electrically connected" with another element interposed therebetween. . Also, when a part "includes" a certain component, it means that other components may be further included, rather than excluding other components, unless otherwise stated.

In this specification, a "part" includes a unit realized by hardware, a unit realized by software, and a unit realized using both. In addition, one unit may be implemented using two or more hardware, and two or more units may be implemented by one hardware.

Some of the operations or functions described as being performed by the terminal or device in this specification may be instead performed by a server connected to the terminal or device. Similarly, some of the operations or functions described as being performed by the server may also be performed in a terminal or device connected to the corresponding server.

Hereinafter, detailed contents for carrying out the present invention will be described with reference to the accompanying configuration diagram or process flow diagram.

1 is a configuration diagram of a system for providing products in advance through collateral based on financial products, according to an embodiment of the present invention.

Referring to FIG. 1 , the product pre-providing system may include a product providing server 100 , a financial server 110 , a first terminal 120 , a second terminal 130 , and a first user's terminal 140 . have. However, since the product pre-providing system of FIG. 1 is only an embodiment of the present invention, the present invention is not limitedly interpreted through FIG. 1 , and may be configured differently from FIG. 1 according to various embodiments of the present invention. .

In general, each component of the product pre-provisioning system of FIG. 1 is connected through a network (not shown). A network refers to a connection structure that allows information exchange between each node, such as terminals and servers, and includes a local area network (LAN), a wide area network (WAN), and the Internet (WWW: World). Wide Web), wired and wireless data communication networks, telephone networks, wired and wireless television networks, and the like. Examples of wireless data communication networks include 3G, 4G, 5G, 3rd Generation Partnership Project (3GPP), Long Term Evolution (LTE), World Interoperability for Microwave Access (WIMAX), Wi-Fi, Bluetooth communication, infrared communication, ultrasound communication, Visible Light Communication (VLC), LiFi, and the like, but are not limited thereto.

According to the present invention, virtual money corresponding to at least a portion of the amount to be paid by the first user is provided in advance to the terminal 140 of the first user who has subscribed to the first financial product (eg, savings-type savings product, etc.), thereby providing a first financial product. It is possible to provide a service in which the first user can purchase the product in advance using the corresponding virtual money before the expiration date.

In the present invention, the product may include not only goods for the purpose of commerce, but also various services that can be consumed (eg, travel package products, gym use vouchers, etc.).

In addition, the present invention can provide the same effect as the existing interest-free installment system through a structure in which an amount corresponding to the virtual money used by the first user is reimbursed from the financial server 110 among the virtual money prepaid to the first user. .

That is, since the first user purchases the product in advance with the funds to be paid monthly according to the subscription information of the first financial product, the same effect as the existing interest-free installment method appears.

Specifically, the financial server 110 receives the first subscription information for the first user's subscription to the first financial product from the first terminal 120 and performs the first user's subscription procedure for the first financial product. can do.

Here, when the first user subscribes to the first financial product through a bank teller or a financial product designer, the first terminal 120 may be a terminal disposed at a bank counter or a terminal of a designer.

In another embodiment, when the first user himself/herself subscribes to the first financial product through an application or website, the first terminal 120 may be various terminals (eg, mobile terminal, desktop or laptop) of the first user. can In this case, the first user's terminal may be configured to be integrated with the first user's terminal 140 .

The financial server 110 may transmit the first subscription information of the first user to the product providing server 100 .

The product providing server 100 corresponds to at least a portion of the amount to be paid by the first user due to the first financial product according to the first subscription information of the first user to the first financial product received from the financial server 110 . virtual money may be provided to the terminal 140 of the first user. Here, the virtual money may be a payment means used by the first user to purchase and settle a product pre-provided by the product providing server 100 .

The product providing server 100 may issue a bond to a financial institution corresponding to the financial server 110 in order to receive the price of the product purchased by the first user through virtual money. In this case, the product providing server 100 may transmit bond issuance information on the issued bond to the financial server 110 .

The financial server 110 may generate a second financial product to invest in a bond based on the bond issuance information received from the product providing server 100 and recruit investors who want to invest in the second financial product.

The financial server 110 may receive the second subscription information for the second user's subscription to the second financial product from the second terminal 130 and perform the second user's subscription to the second financial product. .

Here, the second terminal 130 may be, for example, a terminal disposed at a bank window or a terminal of a designer selling financial products. In another embodiment, when the second user himself/herself subscribes to the second financial product through the application or website, the second terminal 130 may be various terminals (eg, mobile terminal, desktop or laptop) of the second user. can

Remittance information indicating that the product price corresponding to virtual money corresponding to at least a portion of the amount to be paid by the first user due to the first financial product has been remitted to the account corresponding to the product providing server 100 may be transmitted to the product providing server 100 . Here, the product price corresponding to the virtual money may be generated from the investment by the second financial product.

That is, the product providing server 100 converts the purchase price for a product purchased or scheduled to be purchased through a vendor (a product that the first user is scheduled to purchase or pre-purchased through virtual money) as the product price remitted from the financial server 110 . can pay

Hereinafter, the operation of each component of the product pre-providing system of FIG. 1 will be described in more detail.

2 is a block diagram of the product providing server 100 shown in FIG. 1 according to an embodiment of the present invention.

Referring to FIG. 2 , the product providing server 100 may include a subscription information receiving unit 200 , a virtual money providing unit 210 , a remittance information receiving unit 220 , a transmitting unit 230 , and a bond issuing unit 240 . can However, the product providing server 100 illustrated in FIG. 2 is only one implementation example of the present invention, and various modifications are possible based on the components illustrated in FIG. 2 .

The subscription information receiving unit 200 may receive subscription information of the first user for the first financial product from the financial server 110 .

Here, the first financial product may be a type of affiliate savings product in which the financial server 110 provides a benefit to pre-purchase products sold by the product providing server 100 through partnership with the product providing server 100 . . For example, the first financial product may be a financial product for a plurality of users who want to consume in a specific field such as a high value-added product or service.

Here, the subscription information for the first financial product may include, for example, information on the accumulation contract period for which the first user subscribes to the first financial product and the monthly accumulated savings amount.

The virtual money providing unit 210 first provides virtual money that can be used in a shopping mall corresponding to the product providing server 100 based on the first user's subscription information for the first financial product received from the financial server 110 . It may be provided to the user's terminal 140 .

Here, the shopping mall corresponding to the product providing server 100 may be a shopping mall operated so that products that can be purchased with virtual money can be purchased at a lower price compared to other vendors. Since such a shopping mall recruits a plurality of first users who want to purchase an arbitrary product, it is possible to secure a seller who sells the product at a low price, and it is possible to receive the product at a lower price than that of other vendors.

For example, the virtual money providing unit 210 may provide the first user's terminal 140 with virtual money corresponding to at least a portion of the amount the first user has to pay for the first financial product.

For example, the virtual money providing unit 210 corresponds to the total accumulated amount (12 million won) to be accumulated for one year, when the first financial product subscribed by the first user is a financial product that must be paid by 1 million won per month for one year. virtual money or virtual money corresponding to a part of the total accumulated amount may be provided to the terminal 140 of the first user.

Meanwhile, the first user may purchase a product by paying for the product in the shopping mall of the product providing server 100 using virtual money provided through the product providing server 100 in a state where there is no funds in hand.

In order for the product providing server 100 to pay the product price for the product to the seller in a lump sum for the purchase of the product purchased and paid for by the first user with virtual money, liquidity supply of funds equal to the product price is required. To this end, in the present invention, the product providing server 100 is supplied with liquidity by issuing bonds.

When the virtual money is provided to the terminal 140 of the first user, the bond issuer 240 may issue a bond for the product price corresponding to the virtual money provided to the terminal 140 of the first user.

Alternatively, when the first user uses the virtual money, the bond issuer 240 may issue a bond for the product price corresponding to the virtual money used by the first user.

The transmitter 230 may transmit bond issuance information indicating that bonds for the product price have been issued to the financial server 110 . Specifically, the transmitter 230 may transmit bond issuance information indicating that bonds have been issued for remittance of the product price to an account corresponding to the product providing server 100 to the financial server 110 .

Thereafter, the financial server 110 may operate a second financial product for investing in the bond issued by the product providing server 100 based on the bond issuance information received from the product providing server 100 .

The financial server 110 may recruit investors for the second financial product in order to secure funds to purchase the second financial product. Thereafter, the financial server 110 may secure investment funds corresponding to the purchase funds of the second financial product from the investors who have been recruited for the second financial product.

Here, the investment generated from the second financial product may be a liquidity supply fund used to pay the product price of the product to the vendor in a lump sum to purchase the product that the first user is planning to purchase with virtual money or purchased from the vendor have.

Meanwhile, the transmitter 230 may transmit information on the product price corresponding to the virtual money provided to the terminal 140 of the first user to the financial server 110 .

The remittance information receiving unit 220 may receive remittance information indicating that the product price corresponding to the virtual money has been remitted to the account corresponding to the product providing server 100 from the financial server 110 . Here, the product price may be a price generated from an investment by the second financial product sold by the financial server 110 .

Specifically, when the first user performs a purchase and settlement of a product sold in a shopping mall of the product providing server 100 using virtual money, the transmission unit 230 determines the amount of the first amount used for purchase and payment of the product. Information on virtual money may be transmitted to the financial server 110 .

In this case, the remittance information receiving unit 220 may receive remittance information from the financial server 110 indicating that the product price of the first amount used for purchase and settlement of the product has been remitted to an account corresponding to the product providing server 100 . .

Thereafter, the product price of the first amount transferred to the account corresponding to the product providing server 100 is used to purchase the product purchased by the first user from the seller.

The shopping mall corresponding to the product providing server 100 may contract with a seller to supply a specific product at a first discount rate with respect to the list price, and sell the product to the first user at a second discount rate with respect to the list price (or lowest price). .

Here, the first discount rate may be set to have a higher discount than the second discount rate. For example, assuming that the product providing server 100 is supplied with a first product to which a discount rate (first discount rate) of 10% compared to the list price (or lowest price) of the first product is supplied from the seller, the product providing server 100 may sell the first product to the first user by applying a 3% discount (second discount rate) compared to the list price of the first product.

A portion of the difference between the price of the product to which the second discount rate has been applied and the price of the product to which the first discount rate has been applied may be used as the proceeds for the second financial product (ie, interest paid to investors who have invested in the second financial product) .

Meanwhile, for those skilled in the art, each of the subscription information receiver 200 , the virtual money provider 210 , the remittance information receiver 220 , the transmitter 230 , and the bond issuer 240 may be implemented separately, or at least one of them It will be fully understood that this may be integrated and implemented.

3A to 3B are diagrams for explaining a method of pre-providing a product through collateral based on a financial product, according to an embodiment of the present invention.

3A to 3B , in step S301 , the first terminal 120 may transmit the first subscription information for the first user's subscription to the first financial product to the financial server 110 .

In step S303 , the financial server 110 may perform a subscription procedure for the first user to the first financial product based on the first subscription information of the first user received from the first terminal 120 . Also, the financial server 110 may transmit at least one of the first subscription information of the first user to the product providing server 100 .

In step S305, the product providing server 100 provides the first user's terminal 140 with virtual money corresponding to at least a portion of the amount to be paid by the first user due to the first financial product with the first financial product as collateral. can provide

Here, the virtual money may be used for payment of a product pre-provided by the product providing server 100 . The product provided in advance by the product providing server 100 may be purchased from a seller by applying a first discount rate to the list price of the product, and may be sold to the first user by applying a second discount rate to the list price of the product.

In this case, the first discount rate may have a higher discount than the second discount rate. For example, if the product providing server 100 receives the first product from the seller at a discount rate of 10% compared to the list price (first discount rate), a discount of 3% compared to the list price of the first product to the first user (second discount rate) discount rate) can be applied to sell the first product.

In step S307, the product providing server 100 issues a bond for the product price corresponding to the virtual money provided to the terminal 140 of the first user, and transmits bond issuance information indicating that the bond is issued to the financial server 110. have.

As another example, when the first user uses virtual money to pay for a product, the product providing server 100 issues a bond for a product price corresponding to the virtual money used for product payment, and the bond for the issued bond The issuance information may be transmitted to the financial server 110 .

In step S309 , the financial server 110 may operate a second financial product for investing in bonds based on bond issuance information received from the product providing server 100 .

For example, the financial server 110 may recruit investors for the second financial product in order to secure funds to purchase the second financial product. To this end, the financial server 110 receives the second subscription information for the second user's subscription to the second financial product from the second terminal 130 and performs a subscription procedure for the second user to the second financial product. can do.

In step S311, the first user's terminal 140 performs the purchase and settlement of the product using the virtual money, and information on the completion of the payment of the product (virtual money of the first amount used for payment of the product) information) may be transmitted to the product providing server 100 .

In step S313 , the product providing server 100 may transmit information about the virtual money of the first amount used for payment of the product to the financial server 110 .

In step S315 , the financial server 110 may transmit remittance information indicating that the product price of the first amount has been remitted to an account corresponding to the product providing server 100 to the product providing server 100 .

Here, the product price of the first amount may be generated from the investment by the second financial product. In this case, the product price of the first amount remitted to the account corresponding to the product providing server 100 may be used to purchase the product paid by the first user from the seller.

In step S317, the financial server 110 reimburses the second user's terminal 150 for the amount paid for the first financial product on the maturity date of the first user's first financial product as a redemption amount for the second financial product. And, the proceeds for the second financial product (ie, interest paid to investors who have invested in the second financial product) may be distributed to the terminal 150 of the second user.

Here, the proceeds for the second financial product are generated from a portion of the difference between the price of the product sold to the first user by applying the second discount rate to the list price of the product and the price of the product purchased from the seller by applying the first discount rate can be

For example, if the product providing server 100 is supplied with the first product at a discount rate (first discount rate) of 10% compared to the list price of the first product from the seller, 1% is used as the shopping mall operation cost, and to the first user A discount of 3% compared to the list price is provided, and 6% (including 5% of the proceeds from the second financial product) can be used as the operating procurement cost for the second financial product. Accordingly, the present invention can propose an expected return of 4 to 5% per annum to investors who have invested in the second financial product.

In other words, the greater the discount range of the seller, the higher the return on the second financial product. If the supply of products with a high discount rate is possible from the seller, a virtuous cycle of supply and demand is well formed, helping to activate transactions. .

4 is a flowchart illustrating a method of providing a product in advance through a financial product-based collateral performed by the product providing server 100 according to an embodiment of the present invention.

Referring to FIG. 4 , in step S401 , the product providing server 100 may receive the first user's subscription information for the first financial product from the financial server 110 .

In step S403 , the product providing server 100 may provide the first user's terminal 140 with virtual money corresponding to at least a portion of the amount to be paid by the first user due to the first financial product. Here, the virtual money may be used for payment of a product pre-provided by the product providing server 100 . In addition, the product provided in advance by the product providing server 100 is purchased from a seller by applying a first discount rate to the list price of the product, and may be sold to the first user by applying a second discount rate to the list price of the product. . In this case, the first discount rate may have a higher discount than the second discount rate.

In step S405 , the product providing server 100 may receive remittance information indicating that a product price corresponding to virtual money has been remitted to an account corresponding to the product providing server 100 from the financial server 110 .

Although not shown in FIG. 4 , in step S403 , the product providing server 100 receives bond issuance information on the bond issued by the product providing server 100 in order to receive the product price corresponding to the virtual money from the financial server 110 . may be transmitted to the financial server 110 . Here, the product price corresponding to the virtual money may be generated from the investment by the second financial product generated based on bond issuance information. Here, the second financial product may be a product to be invested in the corresponding bond. The second discount rate is applied to the proceeds on the second financial product (ie, interest paid to investors who have invested in the second financial product), so that the price of the product sold to the first user and the first discount rate are It may be applied and generated based on a part of the difference between the prices of goods purchased from the seller.

Although not shown in FIG. 4 , in step S405 , the product providing server 100 transmits information on the virtual money of the first amount used for payment to the financial server 110 when payment for the product is completed using the virtual money. can

Although not shown in FIG. 4 , in step S405 , the product providing server 100 may receive remittance information indicating that the product price of the first amount has been remitted to an account corresponding to the product providing server 100 .

In the above description, steps S401 to S405 may be further divided into additional steps or combined into fewer steps, according to an embodiment of the present invention. In addition, some steps may be omitted if necessary, and the order between the steps may be changed.

5 is a flowchart illustrating a method of providing a product in advance through a financial product-based collateral performed by the financial server 110 according to an embodiment of the present invention.

Referring to FIG. 5 , in step S501 , the financial server 110 receives the first subscription information for the first user's subscription to the first financial product from the first terminal 120 and receives the first financial product of the first user. You can follow the sign-up process.

In step S503 , the financial server 110 may transmit at least one of the first subscription information of the first user to the product providing server 100 .

In step S505, the financial server 110 receives the second subscription information for the second user's subscription to the second financial product from the second terminal 130, and performs the second user's subscription procedure for the second financial product. can do.

In step S507, the financial server 110 indicates that the product price corresponding to virtual money corresponding to at least a portion of the amount to be paid by the first user due to the first financial product has been transferred to the account corresponding to the product providing server 100 The indicated remittance information may be transmitted to the product providing server 100 . Here, the virtual money may be transmitted to the terminal 140 of the first user by the product providing server 100 . In addition, the virtual money may be used for payment of a product pre-provided by the product providing server 100 . Here, the product provided in advance by the product providing server 100 is purchased from a seller by applying a first discount rate to the list price of the product, and may be sold to the first user by applying a second discount rate to the list price of the product. . In this case, the first discount rate may have a higher discount than the second discount rate.

Although not shown in FIG. 5 , in step S507 , the financial server 110 sends bond issuance information indicating that the bond is issued for remittance of the product price corresponding to the virtual money to an account corresponding to the product providing server 100 to the product providing server 100 . ) can be received from

Although not shown in FIG. 5 , in step S507 , the financial server 110 may recruit investors for the second financial product to secure funds to purchase the second financial product based on the bond issuance information. Here, the second financial product may be a product invested in bonds. The investment by the second financial product may be a money circulated to the product providing server 100 as product price corresponding to virtual money.

Although not shown in FIG. 5 , when the purchase and payment of the product is completed using the virtual money in step S507 , the financial server 110 provides information on the virtual money of the first amount used for the purchase and settlement to the product providing server 100 . can be received from

Although not shown in FIG. 5 , in step S507 , the financial server 110 may transmit remittance information indicating that the product price of the first amount has been remitted to an account corresponding to the product providing server 100 to the product providing server 100 . . Here, the product price corresponding to the virtual money may be generated from the investment by the second financial product. The second discount rate is applied to the proceeds on the second financial product (that is, interest paid to investors who have invested in the second financial product), so that the price of the product sold to the first user and the first discount rate are It may be applied and generated based on a part of the difference between the prices of goods purchased from the seller.

In the above description, steps S501 to S507 may be further divided into additional steps or combined into fewer steps, according to an embodiment of the present invention. In addition, some steps may be omitted if necessary, and the order between the steps may be changed.

An embodiment of the present invention may also be implemented in the form of a recording medium including instructions executable by a computer, such as a program module executed by a computer. Computer-readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. Also, computer-readable media may include all computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

The foregoing description of the present invention is for illustration, and those of ordinary skill in the art to which the present invention pertains can understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and likewise components described as distributed may also be implemented in a combined form.

The scope of the present invention is indicated by the following claims rather than the detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalent concepts should be construed as being included in the scope of the present invention. .

100: product providing server
110: financial server
120: first terminal
130: second terminal
140: the first user's terminal

Claims (6)

In the product providing method of providing a product in advance through a financial product-based collateral performed by a product providing server,
receiving, from a financial server, subscription information of a first user who has subscribed to a first financial product that provides a benefit to pre-purchase a product or service in a shopping mall corresponding to the product providing server;
providing, to the terminal of the first user, virtual money corresponding to at least a portion of an amount to be paid when the first user purchases the product or service based on the subscription information of the first user;
issuing bonds to a financial institution corresponding to the financial server in order to receive a price for a product purchased through the virtual money;
transmitting bond issuance information indicating that bonds for remittance of the product price to an account corresponding to the product providing server have been issued to the financial server; and
Receiving remittance information indicating that the product price has been remitted to an account corresponding to the product providing server from the financial server
including,
The virtual money is used for payment of the product or service that can be pre-purchased in the shopping mall,
The financial server generates a second financial product for investing in the bond based on the bond issuance information, and operates the second financial product,
The step of issuing a bond for a product price corresponding to the virtual money is
issuing a bond for the product price when the virtual money is provided to the terminal of the first user;
Receiving the remittance information
Receiving remittance information indicating that the product price of the first amount used for the payment has been remitted to an account corresponding to the product providing server;
The product price is generated from an investment in a second financial product that is invested in the bond,
The product price of the first amount transferred to the account corresponding to the product providing server is used to purchase the product paid by the first user from the seller,
The product providing method, wherein the investment in the second financial product is a liquidity supply fund used to pay the product price of the product in a lump sum to the seller.
The method of claim 1,
wherein the virtual money is provided in advance to the terminal of the first user before the first financial product expires.
delete The method of claim 1,
The step of issuing a bond for a product price corresponding to the virtual money is
When the first user uses the virtual money, the product providing method comprising the step of issuing a bond for the price of the product.
The method of claim 1,
Receiving the remittance information
and transmitting, to the financial server, information on the virtual money of the first amount used for the payment when the payment of the product is completed using the virtual money.
delete

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