KR102483855B1 - Shopping annuity, shopping bonus, sales annuity, and sales bonus payment system and method linked to commerce - Google Patents

Abstract

Disclosed are a shopping annuity payment system and method which accumulate a part of profits when selling products subject to shopping annuity are sold to pay shopping annuity to a purchaser of the products subject to shopping annuity for a predetermined period of time. To this end, the shopping annuity payment system comprises: a purchase information collection module collecting purchase information; a purchase code registration module registering a transaction code capable of checking purchase order for each purchase information; a purchase accumulation calculation module calculating accumulation for each prior transaction code at an agreed accumulation rate for each payment of the transaction code to generate purchase accumulation information for each transaction code; a first storage module storing the purchase information in which the transaction code is registered, the purchase accumulation information for each transaction code, and shopping annuity information including a shopping annuity payment period, a shopping annuity total amount, and an annuity start reserve; and a shopping annuity payment module paying the total amount of shopping annuity divided over the shopping annuity payment period when the accumulated purchase accumulation of the transaction code reaches the annuity start reserve. Accordingly, the shopping annuity is provided to a purchaser, who purchases products subject to shopping annuity, with the reserve raised through the sale of products subject to shopping annuity for a predetermined period of time, thereby alleviating the burden on consumers about shopping and stimulating the sales of products subject to shopping annuity.

Description

Shopping annuity, shopping bonus, sales annuity, sales bonus payment system and method linked to commerce

The present invention relates to a shopping pension payment system and method for paying a shopping pension to a buyer in connection with commercial transactions that occur online and offline. It relates to a shopping annuity payment system and method for paying a shopping annuity to a purchaser of a product for a certain period of time.

In general, the pension system is a type of social insurance system in which workers or citizens pay a predetermined amount for a certain period of time, and pensions are paid when an insurance accident such as old age, disability, retirement, or death occurs.

These pension systems are divided into public pensions, private pensions, and private pensions, depending on the operator.

The above public pension is operated by a special corporation determined by the state or law, and in Korea, there are national pension, public servant pension, military pension, and teacher pension

In addition, private pensions are implemented to supplement public pensions, and include corporate pensions and contract pensions.

In addition, personal pensions are pensions managed by financial institutions such as life insurance companies by recruiting policyholders.

However, such a conventional pension system is operated based on insurance premiums regularly paid by subscribers, so it is difficult for those who do not have income or have no financial leeway to join and maintain.

In the case of the national pension, there is a system to defer the payment of insurance premiums if there is no income for a long time. .

In addition, it is a common opinion of many experts that the national pension fund will be depleted within several decades if the current system is maintained, and even if the pension payment is reduced or the insurance premium is increased to prevent fund depletion, the burden of the subscriber increases significantly and the benefits decrease. It is difficult to avoid the situation.

As a result, interest in new pension systems or methods that can supplement or replace the existing pension systems is increasing.

For example, Korean Patent Registration No. 10-1427390 invented a pension accumulation system that integrates points accumulated by each company through online and offline transactions, converts them into cash, and then subscribes to an annuity product with the exchanged amount.

However, since this pension accumulation system is a method of paying the point exchange amount as insurance premium after signing a contract with a specific insurance company, there is a problem that the subscriber has to pay the shortfall in cash if the point exchange amount does not meet the insurance premium.

Therefore, when there is no point accumulation due to no consumption expenditure, all insurance premiums must be paid in cash.

Republic of Korea Patent Registration No. 10-1227034 (Announced on January 28, 2013) Republic of Korea Patent Registration No. 10-2218705 (2021.02.22 announcement) Republic of Korea Patent Publication No. 10-2015-0074788 (published on July 2, 2015) Republic of Korea Patent Registration No. 10-1427390 (Announced on August 7, 2014)

Therefore, the first object of the present invention is to provide the buyer with a priority transaction if all reserves for the start of annuity are prepared through a subordinated transaction after the purchaser purchases a shopping pension target product through a commercial transaction even if a predetermined amount is not paid for a certain period of time. It is to provide a shopping annuity payment system linked to a commercial transaction that pays a shopping annuity.

In addition, a second object of the present invention is to provide a shopping pension payment method linked to commercial transactions that can promote consumption of buyers by providing shopping pension for individual commercial transactions rather than the accumulated amount of shopping purchased by the buyer.

In order to achieve the above-described first object of the present invention, in one embodiment of the present invention, a purchase information collection module that collects purchase information including buyer information and payment when a product subject to shopping pension is purchased, and a purchase for each purchase information A purchase code registration module for registering a transaction code whose order can be confirmed, and a purchase reserve calculation module for generating purchase reserve information for each transaction code by calculating a reserve for each senior transaction code at an agreed reserve rate for each payment of the transaction code; A first storage module for storing purchase information registered with a transaction code, purchase reserve information for each transaction code, shopping pension information including a shopping pension payment period, a total amount of shopping pension, and an annuity starting reserve, and the first storage module Shopping that analyzes the purchase reserve information for each transaction code stored in , and when the accumulated purchase reserve of the transaction code reaches the annuity start reserve, the total amount of shopping pension is divided and paid to the recipient set in the purchase information registered with the above transaction code during the shopping pension payment period. It provides a shopping annuity payment system linked to commercial transactions including an annuity payment module.

In addition, in order to achieve the second object of the present invention, in one embodiment of the present invention, the shopping pension information including the shopping pension payment period, the total amount of the shopping pension, and the pension starting reserve is stored in the first storage module. and a transaction information collection step in which the purchase information collection module collects purchase information including buyer information and settlement money for products subject to shopping annuity from an online shopping mall server or an offline affiliated store terminal, and a purchase code registration module sets a purchase order for each purchase information A code registration step of registering a transaction code that can be checked and storing it in the first storage unit, and a purchase reserve amount calculation module calculates the reserve amount for each transaction code in priority at the agreed accumulation rate for each payment of the transaction code, and purchase reserve information for each transaction code Reserve calculation step of generating a reserve amount, and the shopping pension payment module analyzes the purchase reserve information for each transaction code stored in the first storage module, and when the accumulated purchase reserve amount of the transaction code reaches the annuity start reserve amount, the purchase registered with the transaction code Provides a shopping pension payment method linked to commercial transactions including an annuity payment step in which the total amount of shopping pension is divided and paid during the shopping pension payment period to the recipient set in the information.

According to the present invention, by paying a shopping pension for a predetermined period to a buyer who purchases a shopping pension target product with funds raised through the sale of a shopping pension target product, it relieves the consumer's burden for shopping and increases the sales can be stimulated.

In addition, the present invention pays a sales annuity for a predetermined period to a seller who has sold a product subject to sales annuity with funds raised through the sale of a product subject to sales annuity, thereby providing an amount greater than the amount deducted from the sale of the product subject to sales annuity. It can be provided as a pension.

In addition, the present invention can induce shopping pension recipients with a high shopping bonus payment rate to purchase more products subject to shopping pension because shopping is an income.

In addition, the present invention does not give vested rights according to the order of subscription to the shopping pension service, but registers a code for each purchase of a shopping pension target product and pays a shopping pension determined by code, so that anyone can have the opportunity to acquire a shopping pension. provided equally.

In addition, in the present invention, as the number of purchasers of products subject to shopping pension increases, the time to receive the shopping pension is advanced, so that the purchasers of the products subject to shopping pension can promote the shopping pension service.

1 is a configuration diagram for explaining a shopping pension payment system according to the present invention.
2 is a block diagram illustrating a shopping pension payment system according to the present invention.
3 is a schematic diagram showing a binary tree structure arranged according to the purchase order of purchase information.
4 and 5 are schematic diagrams showing the code-off of a payment code in which an annuity starting reserve is accumulated through re-positioning of a binary tree structure.
6 is a flow chart illustrating a shopping pension payment method according to the present invention.

Hereinafter, a shopping annuity payment system (hereinafter, abbreviated as 'shopping annuity payment system') linked to commercial transactions according to preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a configuration diagram for explaining a shopping pension payment system according to the present invention, and FIG. 2 is a block diagram for explaining a shopping pension payment system according to the present invention.

1 and 2, the shopping pension payment system according to the present invention is a user terminal 100 connected to a wired or wireless communication network (hereinafter, abbreviated as 'communication network') and a user of the user terminal 100 An online shopping mall server 200 that sells products subject to shopping pension so that products subject to shopping pension can be purchased online and transmits purchase information including buyer information and payment money through a communication network when the product subject to shopping pension is purchased by a user; and collects purchase information including the purchaser information and payment amount, registers a transaction code, calculates a reserve amount for each transaction code with a predetermined accumulation rate for each payment amount of the transaction code, generates purchase reserve information for each transaction code, and accumulates the transaction code. Includes an annuity management server 300 that divides and pays the total amount of shopping annuity during the shopping annuity payment period when the purchased purchase reserve reaches the annuity starting reserve, and optionally purchases the shopping annuity target product offline Buyer information and settlement amount An offline affiliated store terminal 400 for transmitting the included purchase information through a communication network may be further included. Here, the products subject to shopping pension refer to products and services related to the shopping pension service.

Hereinafter, each component will be described in more detail with reference to the drawings.

Referring to Figures 1 and 2, the shopping pension payment system according to the present invention includes a user terminal (100).

The user terminal 100 receives individual identification number (ID) information from the user in order to participate in a shopping pension service linked to commerce, and receives information of a recipient to receive a shopping pension, and the ID information and Recipient information is transmitted to the online shopping mall server 200 or pension management server 300 that sells products subject to shopping pension through a communication network.

In addition, when the ID information and recipient information are provided from the user terminal 100 to the online shopping mall server 200, the online shopping mall server 200 transmits the ID information and recipient information to the pension management server 300.

The ID information may include one or more of the user's date of birth, user's address, user's phone number, user's e-mail address, login ID and password, and the like.

The recipient information may include financial account information such as a bank account and a securities company account.

In addition, the user terminal 100 generates purchase request information for the product subject to shopping pension selected by the user and transmits it to the online shopping mall server 200 .

In addition, the user terminal 100 sets a shopping pension recipient and a shopping bonus recipient differently after purchasing a product subject to shopping pension, and transmits the information to the online shopping mall server 200 . For example, when a product subject to shopping pension is purchased through gift-giving in the online shopping mall server 200, the user terminal 100 may select a gift recipient as a shopping pension recipient and the purchaser as a shopping bonus recipient.

The user terminal 100 is a pension management server 300 that provides a shopping pension service through a wired communication network such as the Internet and a wireless communication network including a plurality of base stations, base station controllers, mobile communication exchangers, and WAP gateways. It means a means that can be accessed, and a wireless terminal and a wired terminal can be used.

At this time, a smart phone, a tablet PC, a notebook computer, etc. may be used as the wireless terminal, and a personal computer, communication terminal, smart TV, etc. having an Internet access means may be used as the wired terminal.

As necessary, the user terminal 100 accesses the pension management server 300 to proceed with a membership sign-up procedure to receive the shopping pension service, and guides online shopping malls and offline merchants selling shopping pension products. Pension service Apps can be installed. In addition, the pension service app may access the pension management server 300 and display information on shopping pension products sold directly by the pension server.

1 and 2, the shopping pension payment system according to the present invention includes an online shopping mall server 200.

The online shopping mall server 200 is connected to the user terminal 100 through a communication network, and is connected to the pension management server 300 in a short distance through wired or wireless or remotely through a communication network, and sells shopping. Displays pension target product information on a web page.

In addition, the online shopping mall server 200 sells products subject to shopping pension, and when the product subject to shopping pension is purchased through the user terminal 100, it generates buyer information with ID information for the user of the user terminal 100, Purchase information including buyer information and payment is transmitted to the pension management server 300 through a communication network. At this time, the purchaser information may include a personal identification code.

In addition, the purchase information may further include the name of the shopping pension target product, payment amount, payment time, purchase cost, and the like.

In addition, the online shopping mall server 200 sells products subject to sales annuity, and when the product subject to sales annuity is sold, generates information about the seller who supplied the product subject to annuity sales to the online shopping mall server 200, and the seller information and the payment amount are The included sales information is transmitted to the pension management server 300 through a communication network. At this time, the sales information may include the name of the product subject to sales annuity, payment amount, settlement time, margin rate, purchase cost, and the like.

In addition, products subject to sales annuity may be composed of the same products as products subject to shopping annuity. In this case, when a product subject to sales pension is purchased through the user terminal 100, the online shopping mall server 200 transmits purchase information, buyer information, sales information, and seller information to the pension management server 300 through a communication network. .

Referring to Figures 1 and 2, the shopping pension payment system according to the present invention includes a pension management server (300).

The pension management server 300 provides a shopping pension service, and is connected to the user terminal 100, the online shopping mall server 200, and the offline merchant terminal 400 for this purpose. In this case, the pension management server 300 stores ID information and recipient information transmitted from the user terminal 100, the online shopping mall server 200, or the offline merchant terminal 400 in the customer database (DB) of the shopping pension service. .

In this way, the pension management server 300 receives ID information and recipient information directly from the user terminal 100, or provides ID information and recipient information indirectly through the online shopping mall server 200 or offline affiliated store terminal 400 receive

If necessary, the pension management server 300 deposits the pension starting reserve prepared for the shopping pension service in a bank account or a securities company account to obtain operating profits. To this end, the pension management server 300 may be provided with an operating unit (not shown) that automatically transfers the sales revenue of the settlement money deposited into the financial account for pension provision to the financial account for pension operation in a state where current operating expenses are excluded. At this time, the operation unit transfers a part of the cost in the financial account for pension operation to the financial account for providing pension, at the request of the shopping pension management unit 310 and the sales pension management unit 320, and uses it for pension payment.

On the other hand, the pension management server 300 may provide a sales pension service, and is connected to the user terminal 100, the online shopping mall server 200, and the offline merchant terminal 400 for this purpose. In this case, the pension management server 300 stores the ID information and recipient information transmitted from the user terminal 100, the online shopping mall server 200, or the offline merchant terminal 400 in the customer database (DB) of the sales pension service. .

When purchase information including buyer information and payment is transmitted from the online shopping mall server 200 or the offline merchant terminal 400, the pension management server 300 registers a transaction code for confirming the purchase order in the purchase information, and then Stores purchase information with transaction codes registered in the transaction DB of products subject to shopping annuity.

And the pension management server 300 calculates the reserve for each senior transaction code at the agreed reserve rate for each payment of the transaction code, and when the accumulated purchase reserve for each transaction code reaches the annuity start reserve, the total amount of the shopping annuity is paid to the purchaser paid in installments over the period.

When sales information including seller information and payment is transmitted from the online shopping mall server 200 or the offline affiliated store terminal 400, the pension management server 300 registers a transaction code for confirming the purchase order in the sales information. Stores the sales information registered with the transaction code in the transaction DB of products subject to sales annuity.

And the annuity management server 300 calculates the reserve for each senior transaction code at the agreed reserve rate for each payment of the transaction code, and when the sales reserve accumulated for each transaction code reaches the annuity start reserve, the sales annuity payment of the total sales annuity to the seller paid in installments over the period.

On the other hand, if the product subject to shopping annuity and the product subject to sales annuity are the same, and both shopping annuity service and sales annuity service are provided through commercial transaction of the product, a single transaction code that provides shopping annuity service and sales annuity service is used as purchase information and sales information, respectively.

In this way, shopping annuity, shopping bonus, sales annuity, and sales bonus may all apply to a single commercial transaction, or only some of them may be applicable.

In addition, the pension management server 300 divides and uses the pension starting reserve fund created through subordinated commercial transactions into shopping pension, shopping bonus, sales annuity, and sales bonus.

, 쇼핑보너스는

, 판매연금은

, 판매보너스는

로 배분된다.For example, if the contracted shopping pension amount is a, the contracted shopping bonus amount is b, the contracted sales annuity amount is c, the contracted sales bonus amount is d, and the total amount of the pension starting reserve raised each week is e, shopping pension is

, shopping bonus

, sales annuity

, the sales bonus is

is distributed as

In addition, it is at the time when the transaction code is generated that the amounts of the aforementioned shopping pension, shopping bonus, sales annuity, and sales bonus are determined. Recipients, sales bonus amounts and recipients are designated. In addition, when the reserve money from the subordinated transaction is accumulated in the senior transaction code, this reserve is distributed to each pension and bonus to accumulate annuity and pay bonuses. In addition, since the distribution is based on the ratio, the point at which the transaction code is coded off (graduation) is the same for shopping annuity, shopping bonus, sales annuity, and sales bonus.

The pension management server 300 pays the shopping pension and the sales pension in equal installments for a preset period, but can be automatically extended if it is difficult to pay in installments for a preset period due to financial management difficulties and computer failures.

As a specific aspect, the pension management server 300 according to the present invention includes a communication unit (not shown) and a shopping pension management unit 310, and may optionally further include a sales pension management unit 320.

The communication unit constituting the pension management server 300 according to the present invention is connected to the user terminal 100, the online shopping mall server 200, and the offline merchant terminal 400 through a communication network, and the user terminal 100 or the online ID registration information and recipient information are received from the shopping mall server 200 or the offline affiliated store terminal 400 and stored in the customer DB.

In addition, the communication unit receives purchase information from the online shopping mall server 200 or the offline affiliated store terminal 400 and stores it in the shopping pension target product transaction DB. At this time, the purchase information includes buyer information and payment amount.

In addition, the communication unit receives sales information from the online shopping mall server 200 or the offline affiliated store terminal 400 and stores it in the sales annuity target product transaction DB. At this time, the sales information includes seller information and payment.

The shopping pension management unit 310 constituting the pension management server 300 according to the present invention provides a shopping pension service, and includes a purchase information collection module 311, a purchase code registration module 312, and a purchase reserve calculation module 313 , a first storage module 314, and a shopping annuity payment module 315, and may optionally further include a shopping bonus payment module 316.

The purchase information collection module 311 collects purchase information including buyer information and payment when a product subject to shopping pension is purchased, and after being provided from the online shopping mall server 200 or offline affiliated store server, the first storage module 314 Detect purchase information stored in

For example, the purchase information collection module 311 may collect purchase information from the online shopping mall server 200 by being connected to the online shopping mall server 200 where products subject to shopping pension are purchased through a communication unit.

In addition, the purchase information collection module 311 may be connected to a payment terminal of an offline affiliated store where products subject to shopping pension are purchased through a communication unit, and collect purchase information from the payment terminal.

The purchase code registration module 312 registers a transaction code for checking a purchase order for each purchase information, and stores the purchase information registered with the transaction code in the first storage module 314 .

3 is a schematic diagram showing a binary tree structure arranged according to the purchase order of purchase information.

The purchase reserve calculation module 313 generates purchase reserve information for each transaction code by calculating the reserve for each senior transaction code at the agreed reserve rate for each payment of the transaction code registered in the purchase information. As shown in FIG. 3, the binary tree (binary tree structure can be used. Here, the binary tree structure means an arrangement structure in which positions increase in multiples of 2 for each level starting from a vertex as shown in FIG. 3 .

Referring to FIG. 3, the purchase reserve amount calculation module 313 arranges each transaction code in a binary tree structure according to the order of purchase, calculates the reserve amount according to the agreed reserve rate for each settlement of the transaction code, and calculates the reserve amount according to the transaction code of the seniority connected by the tree. It is configured to generate purchase reserve information for accumulating the reserve money for each unit.

For example, the reserves generated by the transaction codes of the 8th and 9th ranks are accumulated in the transaction codes of the 1st, 2nd and 4th ranks connected by a tree (line), respectively, and by the transaction codes of the 12th and 13th ranks. The generated reserves are accumulated in the transaction codes of the 1st, 3rd, and 6th ranks connected by a tree (line).

In other words, if the contracted accumulation rate is 2%, the reserve fund of 20,000 won (1 million won * 0.02) generated by the 10th-ranked transaction code is accumulated in the 1st, 2nd, and 5th transaction codes, respectively, and the 13th-ranked transaction 1,000 won (500,000 won * 0.02) of reserve money generated by the code is accumulated for the 1st, 2nd, and 5th priority transaction codes, respectively.

Meanwhile, the purchase reserve calculation module 313 may determine an amount obtained by deducting the value-added tax from the settlement amount as a target for calculating the reserve. For example, if the settlement amount is 110,000 won as shown in the 6th rank of FIG. 3 and the contracted accumulation rate is 2%, the purchase reserve calculation module 313 generates a purchase reserve of 2,000 won and uses the 2,000 won as the first and third rank transactions. Create purchase point information accumulated in each code.

As an embodiment, when the purchase reserve calculation module 313 according to the present invention receives purchase information through an online shopping mall server operated by a shopping pension service provider, sales calculated by subtracting the purchase cost from the payment of the shopping pension target product Revenue is calculated, and the sales revenue is added to the shopping pension payment reserve stored in the first storage module 314 .

As another embodiment, when purchase information is received through the offline affiliated store terminal 400, the purchase reserve calculation module 313 according to the present invention calculates an agreed affiliated store affiliate cost for each transaction code registered in the purchase information , The merchant affiliate cost is added to the shopping pension payment reserve stored in the first storage module 314 . At this time, the merchant affiliate cost may be determined as 5% to 20% of the settlement amount, but is not limited thereto. In addition, the purchase reserve calculation module 313 sets an amount obtained by deducting the value-added tax from the settlement amount as an object for calculating affiliate cost.

In this way, the purchase reserve calculation module 313 calculates the reserve money when the shopping pension target product is traded, then generates the purchase reserve information for accumulating the reserve money for each senior transaction code, and calculates the sales profit or affiliate affiliate cost After that, it is added to accumulate in the shopping annuity payment reserve.

The first storage module 314 stores the shopping pension information including the shopping pension payment period, the total amount of the shopping pension and the annuity starting reserve, the purchase information registered with the transaction code, and the purchase reserve information, HDD (Hard Disk Drive ) or SSD (Solid State Disk). If necessary, the shopping pension information may further include a contracted accumulation rate for the payment.

The total amount of the shopping annuity is preferably 50% to 100% of the payment amount excluding value-added tax, but is not limited thereto.

For example, if the total amount of the shopping pension is 100% of the payment amount excluding the value-added tax and the settlement amount is 110,000 won, the purchaser of the product subject to the shopping pension receives a total of 100,000 won of shopping pension in several installments.

In addition, the first storage module 314 may store new member information registered as a recommender with a personal identification code assigned to purchaser information.

The shopping pension payment module 315 pays the shopping pension in installments to the purchaser assigned to the transaction code when the purchase reserve accumulated in the transaction code reaches the annuity starting reserve calculated when the transaction code is generated.

Here, the annuity starting reserve of the transaction code is determined to be 150,000 won when the shopping pension of the transaction code is 100,000 won, the shopping bonus is 50,000 won, and the sales annuity and sales bonus are zero. In addition, the reserve for starting annuity of the transaction code is determined to be 400,000 won when the shopping annuity of the transaction code is 100,000 won, the shopping bonus is 50,000 won, the sales annuity is 200,000 won, and the sales bonus is 50,000 won.

In addition, the shopping pension payment module 315 analyzes the purchase reserve information for each transaction code stored in the first storage module, and when the accumulated purchase reserve of the transaction code reaches the annuity starting reserve, the recipient set in the purchase information registered with the transaction code. The total amount of shopping annuity is paid in divided payments during the payment period. The shopping annuity payment period is preferably 12 to 36 months, but is not limited thereto.

4 and 5 are schematic diagrams showing the code-off of a payment code in which an annuity starting reserve is accumulated through re-positioning of a binary tree structure.

The shopping annuity payment module 315 extracts the uppermost transaction code (①) from the binary tree structure as shown in FIG. codeoff), rearrange the positioning of the later transaction codes. At this time, the rearrangement of positioning may be performed every week.

In addition, the shopping annuity payment module 315, in the binary tree structure, when the reserve for the subordinate transaction code reaches the pension start reserve in a state where the reserve for the senior transaction code does not reach the pension start reserve, as shown in FIG. 5, the binary tree It takes the subordinated transaction codes out of the structure (code-off) and rearranges the positioning of the remaining transaction codes.

For example, if the payment amount of the 1st priority in FIG. 5 is 1 million won, the payment amount of the 2nd priority is 30,000 won, and the total amount of shopping annuity and shopping bonus of the 1st and 2nd priority are 100%, respectively, the 1st priority pension start reserve is 2 million won , and the second priority pension start reserve is determined at 60,000 won.

And if the contracted accumulation rate is 2%, the 2nd-rank transaction code includes a reserve of 20,000 won (1,000,000 won * 0.02) generated by the 4th-rank transaction code and a reserve of 600 won (30,000 won*) generated by the 5th-priority transaction code. 0.02), 2,000 won (100,000 won * 0.02) in reserve generated by the 8th rank transaction code, 2,000 won (100,000 won * 0.02) in reserve generated by the 9th rank transaction code, and 10th rank transaction code 20,000 won (1,000,000 won * 0.02) in the reserve generated by the transaction code and 20,000 won (1,000,000 won * 0.02) in the reserve generated by the 11th-ranked transaction code are accumulated, respectively, and the 2nd priority pension start reserve is the 2nd stage of the binary tree structure ( 4th, 5th, 8th, 9th, 10th, 11th).

On the other hand, the accumulated funds in the 1st transaction code do not reach the reserve of 2 million won even if they are accumulated up to the 3rd stage (2nd ~ 15th) of the binary tree structure, so the accumulated funds in the 2nd transaction code The reserve is reached, and accordingly, a situation occurs in which the second-order transaction code is coded off before the first-order transaction code.

As such, since the payment amount for each transaction code may be different, even if the order of the transaction code is late, if the payment amount of the transaction code is small, a situation in which the transaction code is coded off earlier than the priority transaction code may occur as shown in FIG. 5 .

The shopping bonus payment module 316 analyzes the number of members who have recommended and subscribed to the purchaser of the product subject to the shopping pension, and provides the shopping bonus separately from the shopping pension every week until the agreed amount (the total amount of the shopping bonus) is reached.

For example, the shopping bonus payment module 316 pays the shopping bonus accumulated by the subordinated transaction code connected in the binary tree structure every week from two weeks after the transaction of the product subject to shopping pension is completed.

In this way, since the shopping bonus payment module 316 pays the weekly shopping bonus to the purchaser of the product subject to shopping pension, the amount of the shopping bonus may change every week.

In addition, the shopping bonus payment module 316 analyzes purchaser information and new member information when a product subject to shopping pension is purchased, detects the number of recommenders who have recommended and subscribed to the purchaser of the product subject to shopping pension during a predetermined period of time, and recommends the product. According to the number of people, the shopping bonus is calculated based on the contract payment rate against the payment amount. In this case, the shopping bonus payment module 316 calculates the shopping bonus as an amount obtained by subtracting the value-added tax from the payment amount. In addition, the predetermined period may be set to 6 to 12 months, but is not limited thereto.

For example, the shopping bonus payment module 316 may calculate as shown in Table 1 below by setting 6 to 12 months as a recruitment period for recommending members before commercial transactions.

In this way, the shopping bonus payment module 316 may calculate a shopping bonus of 0% to 200% by applying any one of step 1, step 2 and step 3 according to the manager's settings. At this time, steps 1 to 3 may be determined according to the number of recipients of the shopping pension service and service operating profit.

If necessary, the shopping bonus payment module 316 may pay all of the shopping bonus in cash to the recipient of the purchase information, or pay a portion of the bonus in cash to the recipient and pay the rest as shopping points that can purchase products subject to shopping pension. can For example, the shopping bonus payment module 316 pays up to 100% of the shopping bonus in cash, and pays the amount exceeding 100% as shopping points.

In this way, the shopping bonus payment module 316 may pay a part of the shopping bonus in cash to a financial account and pay the rest to an online shopping mall account through the online shopping mall server 200 as shopping points.

The sales pension management unit 320 constituting the pension management server 300 according to the present invention provides a sales pension service, and includes a sales information collection module 321, a sales code registration module 322, and a sales reserve calculation module 323 , A second storage module 324, and a sales annuity payment module 325, and may optionally further include a sales bonus payment module 326.

The sales information collection module 321 collects sales information when a product subject to sales annuity is sold, and detects sales information provided from the online shopping mall server 200 or offline affiliated store server. At this time, the sales information includes seller information and payment.

For example, the sales information collection module 321 may be connected to the online shopping mall server 200 where products subject to sales annuity are purchased through a communication unit and collect sales information from the online shopping mall server 200 .

In addition, the sales information collection module 321 may be connected to a payment terminal of an offline affiliated store where a product subject to sales annuity is sold through a communication unit and collect sales information from the payment terminal.

If necessary, when sales information provided from the online shopping mall server 200 or offline affiliated store server is stored in the second storage module 324, the sales information collection module 321 detects the sales information from the second storage module 324 do.

The sales code registration module 322 registers a transaction code for checking a sales order for each sales information, and stores the sales information registered with the transaction code in the second storage module 324 .

The sales reserve amount calculation module 323 generates sales reserve information for each transaction code by calculating the reserve amount for each senior transaction code at the agreed reserve rate for each payment amount of the transaction code registered in the sales information. can be used

The sales reserve amount calculation module 323 arranges each transaction code in a binary tree structure according to the order of sales, calculates the reserve amount according to an agreed reserve rate for each payment amount of the transaction code, and accumulates the reserve amount for each transaction code of the seniority connected to the tree. It is configured to generate sales reserve information.

In addition, the sales reserve amount calculation module 323 sets the amount obtained by deducting the value-added tax from the settlement amount as a target for calculating the reserve amount. For example, if the settlement amount is 110,000 won and the contracted reserve rate is 20%, the sales reserve amount calculation module 323 generates sales reserve information for accumulating 2,000 won as sales reserve in the senior transaction code.

In addition, the sales reserve amount calculation module 323 according to the present invention calculates the contracted sales annuity service cost for each payment of the transaction code registered in the sales information, and the sales annuity service cost is stored in the second storage module 324. It is added to the pension payment reserve. At this time, the sales annuity service cost may be determined as 5% to 30% of the settlement amount, but is not limited thereto. In addition, the sales surplus calculation module 323 sets the amount obtained by deducting the value-added tax from the settlement amount as a target for calculating the sales annuity service cost.

As such, the sales reserve calculation module 323 calculates the reserve money when the product subject to sales annuity is sold, generates sales reserve information for accumulating the reserve money for each senior transaction code, calculates the sales annuity service cost, and then calculates the reserve money. The sales annuity service costs are added to accumulate in the sales annuity reserve.

As a result, instead of paying 20% of the payment as an expense to receive sales annuity service, the offline franchisee who subscribed to the sales annuity service receives 50% to 100% of the payment as sales annuity.

The second storage module 324 stores sales annuity information including the sales annuity payment period, total sales annuity amount, and annuity starting reserve, sales information registered with a transaction code, and sales reserve information, such as an HDD or SSD can be used

If necessary, the second storage module 324 and the first storage module 314 may be configured as a single storage device.

In addition, the second storage module 324 may store the margin rate of the sales annuity target product.

In addition, the total amount of the sales annuity is preferably 0% to 100% of the settlement amount excluding value-added tax, but is not limited thereto.

The sales annuity payment module 325 pays the sales annuity to the target of the transaction code for a certain period when a condition specified in advance for the senior transaction code is satisfied. The certain period is preferably 36 to 60 months, It is not limited to this.

The sales annuity payment module 325 analyzes the sales reserve information for each transaction code stored in the second storage module 324, and when the accumulated sales reserve of the transaction code reaches the annuity start reserve, the sales information registered with the transaction code The total amount of sales annuity is divided and paid to the set recipient during the sales annuity payment period.

The sales annuity is completed when the sales reserve accumulated in the transaction code reaches the annuity starting reserve, and the sales annuity can be paid from the month following the month in which the sales reserve is completed.

Like the above-mentioned shopping annuity payment module 315, the sales annuity payment module 325 extracts the top transaction code from the binary tree structure when the accumulated amount accumulated in the transaction code at the top in the binary tree structure reaches the annuity start reserve (code off), rearrange the positioning of the later transaction codes. At this time, the rearrangement of positioning may be performed every week.

The sales bonus payment module 326 analyzes the contribution rate of fundraising of the shopping pension service and pays the sales bonus paid in installments every week until it reaches an agreed amount (total amount of sales bonus). For example, the sales bonus payment module 326 pays a sales bonus accumulated by a subordinate transaction code connected in a binary tree structure from two weeks after the transaction of the product subject to sales annuity is completed.

In this way, since the sales bonus payment module 326 pays the weekly accumulated sales bonus to the seller of the product subject to sales annuity, the amount of the sales bonus may change every week.

In addition, the sales bonus payment module 326 detects the margin rate of the sales annuity target product sold through the second storage module 324 when the sales annuity target product is sold, and according to the margin rate, the sales bonus yields At this time, the sales bonus payment module 326 sets the amount obtained by deducting the value-added tax from the settlement amount as a target for calculating the sales bonus.

For example, the sales bonus payment module 326 calculates the total sales bonus by applying a 10% sales bonus payment rate when the margin rate is 30% or more and less than 35%, and if the margin rate is 35% or more and less than 40%, 20% sales Calculate the total sales bonus by applying the bonus payment rate, and if the margin rate is 40% or more and less than 50%, calculate the total sales bonus by applying the 35% sales bonus payment rate, and if the margin rate is more than 50% and less than 60%, 50% The total sales bonus is calculated by applying the bonus payment rate, and if the margin rate is 60% or more and less than 80%, the total sales bonus is calculated by applying the 65% sales bonus payment rate, and if the margin rate is 80% or more, the 80% sales bonus payment rate is applied. to calculate the total sales bonus.

In this way, it is preferable that the total amount of the sales bonus is 0% to 100% of the payment amount excluding value-added tax, but is not limited thereto.

Meanwhile, the sales annuity management unit 320 may further include a sales payment payment module. The sales payment payment module provides a function of deducting a pre-set sales annuity service cost and then transferring the payment to a financial account set by the offline franchise owner when the payment for the sales annuity target product is transferred to a designated financial account at the offline franchise store.

For example, when 110,000 won of payment for a product subject to sales annuity is deposited, the sales payment module deposits 90,000 won excluding 20,000 won (20%), which is a sales annuity service cost, from 110,000 won to a financial account set in advance by the offline franchisee.

In this case, instead of first paying 20,000 won for the sales annuity service cost, the offline franchisee receives a total of 100,000 won in sales annuity by dividing it into several installments.

Referring to FIGS. 1 and 2 , the shopping pension payment system according to the present invention includes an offline merchant terminal 400 .

The offline affiliated store terminal 400 is connected to the pension management server 300 through a communication network and is installed in an offline affiliated store that receives a shopping pension service or a sales pension service.

These offline merchants sell products subject to shopping pension, and when products subject to shopping pension are purchased by customers on-site, ID information provided to the buyer is input into the offline merchant terminal 400 to generate buyer information, and the buyer information and payment The included purchase information is transmitted to the pension management server 300 through a communication network. At this time, the purchase information may include the name of the shopping pension target product, payment amount, payment time, margin rate, cost, selling price, and the like.

In addition, offline merchants sell products subject to sales annuity, and the offline merchant terminal 400 transmits sales information including seller information and payment money to a customer through a communication network when the product subject to sales annuity is sold to a customer on the spot. ) is sent to At this time, the sales information may include the name of the product subject to sales annuity, payment amount, payment time, and the like.

A PDA, an IMT-2000, a smart phone, a notebook computer, a tablet PC, and a communication terminal may be used as the offline affiliated store terminal 400 .

6 is a flow chart illustrating a shopping pension payment method according to the present invention. Meanwhile, a shopping annuity payment method using the shopping annuity payment system including the above components will be described with reference to FIG. 6 as follows.

Referring to FIG. 6, the shopping pension payment method of the present invention includes a setting step (S100) of setting shopping pension information to provide a shopping pension to a purchaser of a shopping pension target product, and an online shopping mall server 200 or an offline affiliated store Transaction information collection step (S200) of collecting purchase information including purchase information and settlement money for products subject to shopping annuity from the terminal 400, and code registration step (S300) of registering transaction codes so that the purchase order can be checked for each purchase information ), and a reserve amount calculation step (S400) of calculating the reserve amount at the agreed upon accumulation rate for each payment for each purchase information, and an annuity payment step (S500) of dividing and paying the total amount of the shopping pension to purchasers of purchases for which the shopping annuity starting conditions are met. do.

In the setting step (S100) constituting the shopping pension payment method according to the present invention, the shopping pension information including the shopping pension payment period, the total amount of the shopping pension, and the pension starting reserve is stored in the first storage module to provide the shopping pension service Save to (314). If necessary, the shopping pension information may include the accumulation rate of the purchase reserve for the settlement amount.

In other words, in the setting step (S100), the operator of the pension management server 300 calculates the accumulation rate of the purchase reserve for the payment through the input device of the pension management server 300, the shopping annuity payment period, the total amount of the shopping annuity, and the pension After entering the shopping pension information including the initial reserve, it is stored in the first storage module 314 of the shopping pension management unit 310 .

In addition, in the setting step (S100), sales annuity information including a sales annuity payment period, a total sales annuity amount, and an annuity start reserve may be stored in the second storage module 324 so that the sales annuity service can be provided. If necessary, the sales annuity information may include the accumulation rate of the sales reserve for the settlement amount.

In other words, in the setting step (S100), the operator of the pension management server 300 calculates the accumulation rate of the sales reserve for the payment through the input device of the pension management server 300, the sales annuity payment period, the total sales annuity, and the annuity After the sales annuity information including the initial reserve is input, it is stored in the second storage module 324 of the sales annuity management unit 320 .

In this setting step (S100), the margin rate of the sales annuity target product may be stored in the second storage module (324).

In the transaction information collection step (S200) constituting the shopping pension payment method according to the present invention, the purchase information collection module 311 of the shopping pension management unit 310 provides the shopping pension service to the online shopping mall server 200 or offline Purchase information including buyer information and settlement money of shopping pension target products is collected from the affiliated store terminal 400 .

As necessary, in the sales information collection step (S200), the sales information collection module 321 of the sales annuity management unit 320 sells from the online shopping mall server 200 or the offline affiliated store terminal 400 to provide the sales annuity service. Collect sales information including seller information and payment of pension subject products.

In the code registration step (S300) constituting the shopping pension payment method according to the present invention, the purchase code registration module 312 of the shopping pension management unit 310 can check the purchase order for each purchase information to provide the shopping pension service The transaction code is registered and stored in the first storage unit.

As necessary, in the code registration step (S300), the sales code registration module 322 of the sales annuity management unit 320 registers a transaction code that can check the sales order for each sales information so that the sales annuity service can be provided. stored in the storage module 324.

In the reserve calculation step (S400) constituting the shopping pension payment method according to the present invention, the purchase reserve calculation module 313 of the shopping pension management unit 310 calculates the accumulated savings rate contracted for each purchase information to provide the shopping pension service. Reserve amount is calculated and purchase reserve information is generated.

As necessary, in the reserve calculation step (S400), the sales reserve calculation module 323 of the sales annuity management unit 320 calculates the reserve at the agreed reserve rate for each payment for each sales information to provide the sales pension service, and calculates the sales reserve information generate

In the pension payment step (S500) constituting the shopping pension payment method according to the present invention, the shopping pension payment module 315 of the shopping pension management unit 310 is stored in the first storage module 314 to provide the shopping pension service. After analyzing the purchase reserve information for each transaction code, when the accumulated purchase reserve of the transaction code reaches the annuity starting reserve, the total amount of the shopping pension is divided and paid to the beneficiary set in the purchase information registered with the above transaction code during the shopping pension payment period.

As necessary, in the annuity payment step (S500), the sales annuity payment module 325 of the sales annuity management unit 320 stores the sales reserve information for each transaction code stored in the second storage module 324 to provide the sales annuity service. After analysis, when the accumulated sales reserve of the transaction code reaches the annuity starting reserve, the total sales annuity is divided and paid to the recipient set in the sales information registered with the above transaction code during the sales annuity payment period.

The shopping pension payment method according to the present invention may further include a recommender information collection step before the pension payment step.

In the recommender information collection step, the subscription information registration module of the shopping pension management unit 310 collects purchase information of new member information registered as a recommender with a personal identification code assigned to purchaser information so as to provide shopping pension service (shopping bonus payment). The module 311 collects data from the online shopping mall server 200 or the offline affiliated store terminal 400 and stores it in the first storage module 314 .

The shopping annuity payment method according to the present invention may further include a shopping bonus calculation step after the annuity payment step.

In the shopping bonus calculation step, the shopping bonus payment module 316 of the shopping pension management unit 310 analyzes buyer information and new member information when a shopping pension target product is purchased so as to provide a shopping pension service (shopping bonus payment). The number of recommenders who have recommended and subscribed during a predetermined period of time by the purchaser of the product subject to shopping annuity is detected, and the shopping bonus is calculated based on the number of recommenders at a predetermined rate of payment relative to the settlement amount.

The shopping pension payment method according to the present invention may further include a sales bonus calculation step after the annuity payment step.

The sales bonus calculation step is performed through the second storage module 324 when the sales annuity payment module 326 of the sales annuity management unit 320 sells the sales annuity target product so as to provide the sales annuity service (sale bonus payment). The margin rate of the product subject to sales annuity sold is detected, and the sales bonus is calculated based on the margin rate as a contracted payment rate against the settlement amount.

This setting step (S100), transaction information collection step (S200), code registration step (S300), reserve amount calculation step (S400), pension payment step (S500), recommender information collection step, shopping bonus calculation step, sales bonus calculation step In the detailed configuration included in the aforementioned shopping annuity payment system (purchase information collection module, purchase code registration module, purchase reserve calculation module, first storage module, shopping annuity payment module, shopping bonus payment module, sales information collection module, sales code Registration module, sales reserve calculation module, second storage module, sales annuity payment module, and sales bonus payment module) are used, so duplicate contents are omitted.

Although the above has been described with reference to preferred embodiments of the present invention, those skilled in the art can variously modify and change the present invention without departing from the spirit and scope of the present invention described in the claims below. You will understand that you can.

100: user terminal 200: online shopping mall server
300: pension management server 310: shopping pension management department
311: purchase information collection module 312: purchase code registration module
313: purchase reserve calculation module 314: first storage module
315: shopping pension payment module 316: shopping bonus payment module
320: sales annuity management unit 321: sales information collection module
322: sales code registration module 323: sales reserve calculation module
324: second storage module 325: sales annuity payment module
326: sales bonus payment module 400: offline merchant terminal

Claims (9)

A purchase information collection module that collects purchase information including buyer information and payment when a product subject to shopping annuity is purchased;
a purchase code registration module for registering a transaction code for checking a purchase order for each purchase information;
a purchase reserve calculation module for generating purchase reserve information for each transaction code by calculating a reserve for each transaction code with a predetermined reserve rate for each payment of the transaction code;
a first storage module for storing purchase information registered with the transaction code, purchase reserve information for each transaction code, shopping pension information including a shopping pension payment period, a total amount of shopping pension, and an annuity starting reserve; and
By analyzing the purchase reserve information for each transaction code stored in the first storage module, when the accumulated purchase reserve of the transaction code reaches the annuity starting reserve, the total amount of the shopping pension is sent to the recipient set in the purchase information registered with the transaction code for the shopping annuity payment period Includes a shopping annuity payment module that is paid in installments during
The purchase reserve calculation module
Arrange each transaction code in a binary tree structure according to the order of purchase, calculate the reserve amount at the agreed reserve rate for each payment of the transaction code, and generate purchase reserve information that accumulates the reserve amount for each transaction code of the seniority connected to the tree. A shopping annuity payment system linked to commercial transactions. delete According to claim 1,
New member information registered as a recommender with a personal identification code assigned to the purchaser information is stored in the first storage module;
When a product subject to shopping annuity is purchased, the purchaser information and the new member information are analyzed to detect the number of recommenders who have recommended and subscribed to the purchaser of the product subject to shopping annuity during the previous predetermined period, and according to the number of recommenders, a contract against payment A shopping annuity payment system linked to commerce, characterized in that it further comprises a shopping bonus payment module for calculating a shopping bonus at the calculated payment rate. According to claim 1,
A sales information collection module for collecting sales information including seller information and settlement money when a product for sale annuity is sold;
a sales code registration module for registering a transaction code for checking a sales order for each of the sales information;
a sales reserve calculation module for generating sales reserve information for each transaction code by calculating reserve money for each senior transaction code at an agreed reserve rate for each payment of the transaction code;
a second storage module for storing sales information in which the transaction code is registered, sales reserve information for each transaction code, sales annuity payment period, sales annuity total amount, and annuity starting reserve; and
When the sales reserve information for each transaction code stored in the second storage module is analyzed and the accumulated sales reserve of the transaction code reaches the annuity starting reserve, the total sales annuity is transferred to the recipient set in the sales information registered with the transaction code for the sales annuity payment period Shopping annuity payment system linked to commerce, characterized in that it further comprises a sales annuity payment module that is divided and paid during. According to claim 4,
The margin rate of the sales annuity target product is stored in the second storage module,
Further comprising a sales bonus payment module for detecting the margin rate of the sales annuity target product sold through the second storage module when the sales annuity target product is sold, and calculating a sales bonus at an agreed payment rate against the settlement amount according to the margin rate A shopping annuity payment system linked to commercial transactions. a setting step in which an input device stores shopping pension information including a shopping pension payment period, a total amount of shopping pension, and an annuity starting reserve in a first storage module;
a transaction information collection step in which a purchase information collection module collects purchase information including buyer information and settlement money for products subject to shopping annuity from an online shopping mall server or an offline affiliated store terminal;
a code registration step in which a purchase code registration module registers a transaction code for checking a purchase order for each purchase information and stores the transaction code in the first storage module;
a reserve calculation step in which a purchase reserve calculation module generates purchase reserve information for each transaction code by calculating a reserve for each senior transaction code at an agreed reserve rate for each payment of the transaction code; and
The shopping pension payment module analyzes the purchase reserve information for each transaction code stored in the first storage module, and when the accumulated purchase reserve of the transaction code reaches the annuity starting reserve, the total amount of the shopping pension is sent to the recipient set in the purchase information registered with the transaction code. It includes an annuity payment step in which payments are divided during the shopping annuity payment period,
The purchase reserve calculation module arranges each transaction code in a binary tree structure according to the order of purchase, calculates the reserve amount according to the contracted reserve rate for each payment of the transaction code, and accumulates the reserve amount for each transaction code of the seniority connected to the tree. A shopping annuity payment method linked to commercial transactions characterized by generating information. According to claim 6,
Prior to the annuity payment step, the purchase information collection module collects new member information in which the personal identification code assigned to the purchaser information is registered as a recommendation by the subscription information registration module from the online shopping mall server or offline affiliated store terminal and stores it in the first storage module. recommender information collection step; and
When a product subject to shopping pension is purchased after the annuity payment step, the shopping bonus payment module analyzes the buyer information and the new member information to detect the number of recommenders who have recommended and joined the purchaser of the product subject to shopping annuity during the previous predetermined period , a shopping bonus calculation step of calculating a shopping bonus at an agreed payment rate against the payment amount according to the number of recommenders. According to claim 6,
The setting step stores the sales annuity information including the sales annuity payment period, the total sales annuity amount, and the annuity start reserve in a second storage module,
In the sales information collection step, the sales information collection module collects sales information including seller information and settlement money of products subject to sales annuity from an online shopping mall server or an offline merchant terminal,
In the code registration step, the sales code registration module registers a transaction code for checking the sales order for each of the sales information and stores it in the second storage module;
In the reserve calculation step, the sales reserve calculation module generates sales reserve information for each transaction code by calculating the reserve money for each senior transaction code at an agreed reserve rate for each payment of the transaction code;
In the annuity payment step, the sales annuity payment module analyzes the sales reserve information for each transaction code stored in the second storage module, and when the accumulated sales reserve of the transaction code reaches the annuity start reserve, the recipient set in the sales information registered with the transaction code. A shopping annuity payment method linked to commerce, characterized in that the total amount of the sales annuity is divided and paid during the sales annuity payment period. According to claim 6,
In the setting step, the margin rate of the product subject to sales annuity is stored in the second storage module,
After the annuity payment step, the sales bonus payment module detects the margin rate of the sales annuity target product sold through the second storage module when the sales annuity payment module is sold, and provides a sales bonus at an agreed payment rate against the settlement amount according to the margin rate. A shopping annuity payment method linked to commercial transactions, further comprising a sales bonus calculation step of calculating.

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