KR102634273B1 - Method, apparatus, and system for providing rental financial services based on web and mobile - Google Patents

Abstract

A method and apparatus for providing rental financial services are disclosed. According to an embodiment of the present disclosure, a method of providing a rental financial service performed by a device includes receiving a first message requesting interior construction from a first terminal device used by a user, wherein the first message is including information related to a rental request for a plurality of products required for construction and the user's personal information; transmitting a second message inquiring about the cost of the plurality of products and the interior construction cost to a second terminal device used by one or more suppliers; determining whether the combined amount of the cost of the plurality of products and the interior construction cost received from the second terminal device exceeds a first threshold; Based on the fact that the combined amount of the cost of the plurality of products and the interior construction cost is less than the first threshold, electronic information related to the interior construction based on the information related to the rental request and the credit rating included in the personal information Creating a contract; And based on the electronic contract being concluded with the user, paying the combined amount of the cost of the plurality of products and the interior construction cost to a specific supplier in charge of the plurality of products and interior construction among the one or more suppliers, and and receiving a rental fee for a rental period according to the electronic contract from a first terminal device, and the information related to the rental request may include a rental period requested by the user.

Description

Method, device, and system for providing web and mobile-based rental financial services {METHOD, APPARATUS, AND SYSTEM FOR PROVIDING RENTAL FINANCIAL SERVICES BASED ON WEB AND MOBILE}

This disclosure relates to rental services, and more specifically, to a method, device, and system for providing rental financial services optimized for user needs on a web and mobile basis.

Rental service refers to a service that rents and uses products by paying a usage fee over a certain rental period. In other words, the rental service is a method of using the product while paying a relatively small amount over the rental period, rather than paying the price for an expensive product in a lump sum.

Rental services are widely used because it is possible to use the product while paying for it over a relatively long period of time compared to installment financing, so there is no burden of purchasing in a lump sum.

However, in the case of existing rental services, there is a problem that there are significant restrictions on payment methods and items subject to rental. In other words, there is a problem that user choice related to rental services is not widely guaranteed, and the need for rental services optimized for users is emerging.

Public Patent Publication No. 10-2023-0018735, 2023.02.07

The present disclosure was designed to solve the above-mentioned problems, and the purpose of the present disclosure is to provide a method, device, and system for providing web- or mobile-based rental financial services optimized for user needs.

The problems to be solved by the present disclosure are not limited to the problems mentioned above, and other problems not mentioned can be clearly understood by those skilled in the art from the description below.

In an embodiment of the present disclosure, a method of providing a rental financial service performed by a device includes receiving a first message requesting interior construction from a first terminal device used by a user, wherein the first message is related to the interior construction. including information related to a rental request for a plurality of products and personal information of the user; transmitting a second message inquiring about the cost of the plurality of products and the interior construction cost to a second terminal device used by one or more suppliers; determining whether the combined cost of the plurality of products and the interior construction cost received from the second terminal device exceeds a first threshold; Based on the fact that the combined amount of the cost of the plurality of products and the interior construction cost is less than the first threshold, electronic information related to the interior construction based on the information related to the rental request and the credit rating included in the personal information Creating a contract; And based on the electronic contract being concluded with the user, paying the combined amount of the cost of the plurality of products and the interior construction cost to a specific supplier in charge of the plurality of products and interior construction among the one or more suppliers, and and receiving a rental fee for a rental period according to the electronic contract from a first terminal device, and the information related to the rental request may include a rental period requested by the user.

Additionally, the method includes identifying the lowest price among the costs presented by the one or more suppliers for each of the plurality of products; and calculating the cost of the plurality of products by applying the identified lowest price to each of the plurality of products, wherein the value calculated based on the evaluation score among the one or more suppliers exceeds a second threshold. A specific supplier is registered in a rental platform operated by the device or another device, and the evaluation score of the one or more suppliers may be given by a plurality of users including the user and a plurality of rental companies.

And, the method is based on determining that the total amount is less than the first threshold and that the guaranteed amount corresponding to the credit rating does not exceed the total amount, and the electronic contract according to the information related to the rental request. It may further include generating and transmitting, to the first terminal device, a third message requesting conclusion of a guarantee insurance contract related to a rental contract based on the total amount exceeding the first threshold.

In addition, the method includes searching for a plurality of suppliers capable of performing interior construction requested by the user, based on the identification that there is no supplier performing interior construction requested by the user among pre-registered suppliers; Providing bid announcement information related to interior construction requested by the user to the plurality of suppliers; And it may further include transmitting the second message to a supplier selected among the plurality of suppliers according to bid announcement information related to interior construction requested by the user.

And, the information related to the rental request includes preference information of the user, and the preference information includes priorities for each of the user's cost and quality, and the method includes each of the user's cost and quality. It may further include identifying the one or more suppliers to which the second message will be transmitted among a plurality of suppliers based on priority.

According to various embodiments of the present disclosure, a method, device, and system for providing web- or mobile-based rental financial services optimized for user needs can be provided.

Additionally, according to various embodiments of the present disclosure, users can enter into rental contracts for various products and services such as interior construction, and can identify and use benefits related to rental contracts more efficiently.

The effects of the present disclosure are not limited to the effects mentioned above, and other effects not mentioned may be clearly understood by those skilled in the art from the description below.

1 is a schematic diagram of a system for implementing a method of providing a web- or mobile-based rental financial service according to an embodiment of the present disclosure.
Figure 2 is a block diagram briefly illustrating the configuration of a device that provides a web- or mobile-based rental financial service according to an embodiment of the present disclosure.
Figure 3 is a flowchart for explaining a method of providing a web- or mobile-based rental financial service according to an embodiment of the present disclosure.

The advantages and features of the present disclosure and methods for achieving them will become clear by referring to the embodiments described in detail below along with the accompanying drawings. However, the present disclosure is not limited to the embodiments disclosed below and may be implemented in various different forms. The present embodiments are merely provided to ensure that the disclosure is complete and to provide a general understanding of the technical field to which the present disclosure pertains. It is provided to fully inform those skilled in the art of the scope of the present disclosure, and the present disclosure is defined only by the scope of the claims.

The terminology used herein is for the purpose of describing embodiments and is not intended to limit the disclosure. As used herein, singular forms also include plural forms, unless specifically stated otherwise in the context. As used in the specification, “comprises” and/or “comprising” does not exclude the presence or addition of one or more other elements in addition to the mentioned elements.

Like reference numerals refer to like elements throughout the specification, and “and/or” includes each and every combination of one or more of the referenced elements. Although “first”, “second”, etc. are used to describe various components, these components are of course not limited by these terms. These terms are merely used to distinguish one component from another. Therefore, it goes without saying that the first component mentioned below may also be the second component within the technical spirit of the present disclosure.

Unless otherwise defined, all terms (including technical and scientific terms) used in this specification may be used with meanings commonly understood by those skilled in the art to which this disclosure pertains. Additionally, terms defined in commonly used dictionaries are not interpreted ideally or excessively unless clearly specifically defined.

Spatially relative terms such as “below”, “beneath”, “lower”, “above”, “upper”, etc. are used as a single term as shown in the drawing. It can be used to easily describe the correlation between a component and other components. Spatially relative terms should be understood as terms that include different directions of components during use or operation in addition to the directions shown in the drawings.

For example, if a component shown in a drawing is flipped over, a component described as “below” or “beneath” another component will be placed “above” the other component. You can. Accordingly, the illustrative term “down” may include both downward and upward directions. Components can also be oriented in other directions, so spatially relative terms can be interpreted according to orientation.

Hereinafter, a method, device, and system for providing web and mobile-based rental financial services will be described with reference to the drawings.

FIG. 1 is a diagram briefly illustrating a system 1000 that implements a method of providing web and mobile-based rental financial services according to an embodiment of the present disclosure.

As shown in FIG. 1, a system 1000 that implements a method of providing web and mobile-based rental financial services includes a device 100, a terminal device 200 used by a user, and a terminal device used by a plurality of providers. It may include (300-1, ... 300-N) (N is a natural number of 2 or more).

In explaining this disclosure, a supplier may mean a company that supplies interior construction and/or various products. Suppliers can collectively refer to companies that only carry out interior construction, companies that only supply various products, and companies that both perform interior construction and supply goods.

In Figure 1, the terminal device 200 used by the user is implemented in the form of a single smart phone, and the terminal devices 300-1, ... 300-N used by a plurality of providers are implemented in the form of a single desktop. A case is shown, but it is not limited to this.

As described above, the terminal device 200 used by the user and the terminal devices 300-1, ... 300-N used by a plurality of providers include various types of electronic devices or a group of devices to which one or more types of electronic devices are connected. It can mean.

The device 100 included in the system 1000, the terminal device 200 used by the user, and the terminal devices used by a plurality of providers can communicate through the network (W).

Here, the network W may include a wired network and a wireless network. For example, the network may include various networks such as a local area network (LAN), a metropolitan area network (MAN), and a wide area network (WAN).

Additionally, the network W may include the known World Wide Web (WWW). However, the network (W) according to an embodiment of the present disclosure is not limited to the networks listed above, and may include at least some of a known wireless data network, a known telephone network, and a known wired and wireless television network.

The device 100 may provide web- or mobile-based rental financial services to users. Specifically, the device 100 may provide rental financial services to users on a website or provide rental financial services through a mobile application.

The device 100 receiving specific information from the terminal device 200 used by the user or/and the terminal devices 300-1, ... 300-N used by a plurality of providers means that the terminal device 200 or/ This may mean that terminal devices 300-1, ... 300-N used by a plurality of providers input specific information into a website or mobile application operated by the device 100.

The device 100 may receive a message requesting interior construction from the terminal device 200 used by the user. The device 100 may inquire about a plurality of products required for interior construction and costs required for interior construction from at least one of the terminal devices 300-1, ... 300-N used by a plurality of suppliers. The device may generate an electronic contract for a rental contract based on a plurality of products received from a terminal device used by at least one supplier and the cost required for interior construction.

The operation of the device 100 to create an electronic contract for a rental contract will be described in detail with reference to FIG. 3 .

Figure 2 is a block diagram briefly illustrating the configuration of a device that provides web and mobile-based rental financial services according to an embodiment of the present disclosure.

As shown in FIG. 2 , device 100 may include memory 110, communication module 120, display 130, input module 140, and processor 150. However, it is not limited to this, and the software and hardware configuration of the device 100 may be modified/added/omitted depending on the required operation within the range obvious to those skilled in the art.

The memory 110 can store data supporting various functions of the device and a program for the operation of the control unit, and stores input/output data (e.g., user's personal information, rental request received from the user, and (related information, etc.) can be stored, and a number of application programs (application programs or applications) running on the device, data for operation of the device, and commands can be stored. At least some of these applications may be downloaded from an external server via wireless communication.

The memory 110 is of a flash memory type, hard disk type, solid state disk type, SDD type (Silicon Disk Drive type), and multimedia card micro type. micro type), card type memory (e.g. SD or XD memory, etc.), random access memory (RAM), static random access memory (SRAM), read-only memory (ROM), EEPROM (electrically erasable) It may include at least one type of storage medium among programmable read-only memory (PROM), programmable read-only memory (PROM), magnetic memory, magnetic disk, and optical disk. Additionally, the memory 110 is separate from the device, but may be a database connected by wire or wirelessly.

The communication module 120 may include one or more components that enable communication with an external device, and may include, for example, at least one of a wireless communication module or a location information module.

Here, the wireless communication module includes, in addition to the Wi-Fi module and WiBro (Wireless broadband) module, GSM (global System for Mobile Communication), CDMA (Code Division Multiple Access), WCDMA (Wideband Code Division Multiple Access), and UMTS (universal mobile). It may include a wireless communication module that supports various wireless communication methods such as telecommunications system, TDMA (Time Division Multiple Access), LTE (Long Term Evolution), 4G, 5G, and 6G.

The wireless communication module may include a wireless communication interface including an antenna and a transmitter that transmits various signals (eg, personal information of the user, information related to a rental request received from the user, etc.). Additionally, the wireless communication module may further include a signal conversion module that modulates a digital control signal output from the control unit through a wireless communication interface into an analog wireless signal under the control of the control unit.

The wireless communication module may include a wireless communication interface including an antenna and a receiver that receives various signals. Additionally, the wireless communication module may further include a signal conversion module for demodulating an analog wireless signal received through a wireless communication interface into a digital control signal.

The display 130 displays (outputs) information processed by the device 100 (eg, the user's personal information, information related to a rental request received from the user, etc.). For example, the display may display execution screen information of an application (for example, an application) running on the device 100, or UI (User Interface) and GUI (Graphic User Interface) information according to such execution screen information. You can.

The input unit 140 is for inputting image information (or signal), audio information (or signal), data, or information input from a user, and may include a user input unit, etc.

Specifically, the user input unit is for receiving information from the user, and when information is input through the user input unit, the control unit can control the operation of the device to correspond to the input information. This user input unit uses hardware-type physical keys (e.g., buttons, dome switches, jog wheels, jog switches, etc. located on at least one of the front, back, and sides of the device) and software-type touch keys. It can be included.

As an example, the touch key consists of a virtual key, soft key, or visual key displayed on a touch screen-type display unit through software processing, or is displayed on the touch screen. It may be composed of touch keys placed in other parts. Meanwhile, the virtual key or visual key can be displayed on the touch screen in various forms, for example, graphic, text, icon, video or these. It can be made up of a combination of .

The processor 150 includes a memory that stores data for an algorithm for controlling the operation of components in the device or a program that reproduces the algorithm, and at least one processor ( (not shown) may be implemented. At this time, the memory and processor may each be implemented as separate chips. Alternatively, the memory and processor may be implemented as a single chip.

In addition, the processor may control any one or a combination of the above-described components in order to implement various embodiments according to the present disclosure described in FIG. 3 below on the present device.

Figure 3 is a flowchart for explaining a method of providing a web- or mobile-based rental financial service according to an embodiment of the present disclosure.

The device may receive a first message requesting interior construction from the first terminal device used by the user (S310).

Here, the first message requesting interior construction may be entered by the first terminal device into a website or mobile application operated by the device.

As an example, the first message may include information related to a rental request for a plurality of products required for interior construction and the user's personal information.

Additionally, information related to a rental request for multiple products may include information related to the product the user wants to rent, a rental period, information about the location where the multiple products will be installed, interior detail request information, etc. The user's personal information may include user identification information (eg, user's social security number, etc.), business registration certificate of the business operated by the user, and the user's credit rating.

As an example of the present disclosure, the first terminal device may transmit only user identification information or a business registration certificate to the device. The device can identify/check the user's credit rating by entering user identification information on a website or application operated by a credit rating company.

The device may transmit a second message inquiring about the cost of a plurality of products and the cost of interior construction to a second terminal device used by one or more suppliers (S320).

As an example of the present disclosure, the device may transmit a second message to one or more suppliers among a plurality of suppliers whose value calculated based on the evaluation score exceeds a predefined value. At this time, the evaluation score may be given by a plurality of users including the user (i.e., a plurality of users registered on a website or application operated by the user) and a plurality of rental companies.

A plurality of users registered on a website or application operated by the user may give an evaluation score to each of a plurality of suppliers on the website or application.

In addition, specific rental companies and other rental companies that use the device can share and build a database of evaluation scores for suppliers. The evaluation score given by the rental company to the supplier may be determined by the cost of the supplier's product/service, service quality, etc.

The device obtains first intermediate data by applying a first weight to the evaluation scores given by a plurality of users to each of the plurality of suppliers, and by applying a second weight to the evaluation scores given by the plurality of rental companies to each of the plurality of suppliers. 2 Intermediate data can be obtained. The device may transmit a second message to at least one supplier among a plurality of suppliers for which the sum of the first intermediate data and the second intermediate data exceeds a predefined value.

The sizes of the first weight and the second weight may be determined by the user and/or the device. Based on receiving a message from the first terminal device indicating that the user's evaluation score has priority over the rental company's evaluation score, the device may set the size of the first weight to a value larger than the second weight.

As another example, when the number of users who have given evaluation scores to one or more providers is less than the third threshold, the device may set the size of the second weight to a value larger than the size of the first weight.

Additionally or alternatively, certain of the one or more suppliers whose calculated value based on the evaluation score exceeds the second threshold may be connected to the rental platform operated by the device or another device (e.g., a device utilized by another rental company). can be registered. Accordingly, certain suppliers can engage in consignment sales operation business.

Additionally or alternatively, based on identifying that none of the pre-registered suppliers (e.g., suppliers registered on a website/application operated by the device) perform the interior construction requested by the user, the device may You can search for multiple suppliers who can perform the requested interior construction.

As an example, the device may search for a supplier who can perform interior construction requested by the user on a website/application. Additionally or alternatively, the device may search for suppliers capable of performing interior construction on a database (evaluation scores) shared by multiple rental companies.

The device may provide bid announcement information related to interior construction requested by the user for a plurality of searched suppliers. The device may transmit the second message to a supplier selected from among a plurality of suppliers according to bid notice information related to interior construction requested by the user.

Additionally or alternatively, the device may identify one or more of the plurality of providers to which to send the second message based on user preference information included in information related to the rental request. Here, the information related to the rental request may include the user's preference information, and the user's preference information may include the user's priority for each of cost and quality.

In other words, the user's priorities for each of cost and quality can indicate whether he or she considers cost reduction or product quality important.

The device can build a database related to the characteristics of products provided by multiple suppliers. In other words, the device can collect information related to whether products provided by multiple suppliers are price competitive or of good quality. For example, the device may collect information from multiple users or other rental companies related to whether products provided by multiple suppliers are competitively priced or of good quality.

For example, when the user sets the priority for cost to a high value, the device may transmit a second message to a supplier who supplies inexpensive products based on the constructed database.

The device may determine whether the combined amount of the cost of a plurality of products and the interior construction cost received from the second terminal device exceeds the first threshold (S330).

As an example of the present disclosure, the device may identify the lowest price among costs presented by one or more suppliers for each of a plurality of products. The device can calculate the combined cost of multiple products by applying the lowest price identified to each of the multiple products.

The first threshold may be a predetermined value, but may change depending on various factors. As an example, the first threshold may change depending on the user's credit rating. The higher the user's credit rating, the larger the first threshold can be. Additionally or alternatively, the greater the amount of funds and/or insurance of the rental company associated with the device, the greater the first threshold may be.

Based on the combined amount of the cost of the multiple products and the interior construction cost being less than the first threshold, the device may generate an electronic contract related to the interior construction based on the information related to the rental request and the credit rating included in the personal information. (S340).

Specifically, based on determining that the summed amount is less than the first threshold and that the guaranteed amount corresponding to the credit rating does not exceed the summed amount, the device may You can create electronic contracts related to interior construction. Here, the guaranteed amount corresponding to the credit rating may be defined in advance.

The electronic contract may include the interior construction amount, the combined price of multiple products, and the monthly rental fee to be paid during the rental period.

Based on the combined amount exceeding the first threshold, the device may transmit a third message requesting conclusion of a guarantee insurance contract related to the rental contract to the first terminal device. That is, if the combined amount exceeds the first threshold, the device may transmit a third message requesting to enter into a rental cost guarantee insurance contract.

The device may provide a UI for entering into a rental cost guarantee insurance contract along with a third message. When a rental cost guarantee insurance contract is concluded by the user on the UI, the device may generate an electronic contract and provide the generated electronic contract to the first terminal device.

Additionally or alternatively, the device may generate an electronic contract between multiple goods for an amount and a specific supplier responsible for interior construction. When two or more suppliers are responsible for multiple products and interior construction, the device can create an electronic contract to be concluded between each of the two or more suppliers.

Based on the electronic contract being concluded with the user, the device pays the combined amount of the cost of multiple products and the interior construction cost to a specific supplier in charge of the multiple products and interior construction, and rents according to the electronic contract from the first terminal device. You can receive a rental fee during the period (S350).

The device may provide an electronic contract with a user and an electronic contract with a specific supplier to a first terminal device and a second terminal device used by the specific supplier. Additionally, the device can perform payment and rental fee collection tasks according to the electronic contract.

Here, the monthly rental fee may be the sum of the cost of multiple products and the interior construction cost divided by the rental period according to the electronic contract, including the fee and interest. The fee and/or interest may be determined based on the size of the user's level (i.e., level on the application/website operated by the device), credit level, the cost of multiple products, and the combined amount of the interior construction cost.

Meanwhile, the disclosed embodiments may be implemented in the form of a recording medium that stores instructions executable by a computer. Instructions may be stored in the form of program code, and when executed by a processor, may create program modules to perform operations of the disclosed embodiments. The recording medium may be implemented as a computer-readable recording medium.

Computer-readable recording media include all types of recording media storing instructions that can be decoded by a computer. For example, there may be Read Only Memory (ROM), Random Access Memory (RAM), magnetic tape, magnetic disk, flash memory, optical data storage device, etc.

As described above, the disclosed embodiments have been described with reference to the attached drawings. A person skilled in the art to which this disclosure pertains will understand that the present disclosure may be practiced in forms different from the disclosed embodiments without changing the technical idea or essential features of the present disclosure. The disclosed embodiments are illustrative and should not be construed as limiting.

110: memory
120: communication module
130: display
140: input module
150: processor

Claims (5)

A method of providing a rental financial service performed by a device, the method comprising:
Receiving a first message requesting interior construction from a first terminal device used by a user, wherein the first message includes information related to a rental request for a plurality of products required for interior construction and personal information of the user;
transmitting a second message inquiring about the cost of the plurality of products and the interior construction cost to a second terminal device used by one or more suppliers;
determining whether the combined amount of the cost of the plurality of products and the interior construction cost received from the second terminal device exceeds a first threshold;
Based on the determination that the combined amount of the cost of the plurality of products and the interior construction cost is less than the first threshold, and that the guaranteed amount corresponding to the credit rating included in the personal information does not exceed the combined amount, Creating an electronic contract related to the interior construction; and
Based on the electronic contract being concluded with the user, the combined amount of the cost of the plurality of products and the interior construction cost is paid to a specific supplier in charge of the plurality of products and interior construction among the one or more suppliers, and the first 1. Comprising the step of receiving a rental fee from a terminal device during the rental period according to the electronic contract,
Information related to the rental request includes a rental period requested by the user,
Among the one or more suppliers, the specific supplier whose value calculated based on the evaluation score exceeds the second threshold is registered in the rental platform operated by the device or another device,
A database of evaluation scores for the one or more suppliers is shared and built by a specific rental company and other rental companies that use the device,
First intermediate data is obtained by applying a first weight to the evaluation scores given to each of the one or more suppliers by a plurality of users including the user, and by applying a second weight to the evaluation scores given by a plurality of rental companies. second intermediate data is obtained,
A message related to a provider whose combined value of the first intermediate data and the second intermediate data exceeds a predefined value is transmitted to the first terminal device,
The size of each of the first weight and the second weight is determined based on the priorities of each of the evaluation scores of the plurality of users and the evaluation scores of the plurality of rental companies determined by the first terminal device,
Based on the combined amount exceeding the first threshold, a third message requesting conclusion of a guarantee insurance contract related to the rental contract is transmitted to the first terminal device,
Based on the identification that there is no supplier among pre-registered suppliers that performs the interior construction requested by the user, the user requests a plurality of suppliers that can perform the interior construction requested by the user searched by the device. Bidding notice information related to interior construction is provided,
A method in which the second message is transmitted to a supplier selected among the plurality of suppliers according to bid announcement information related to interior construction requested by the user.
According to paragraph 1,
identifying the lowest price among the costs presented by the one or more suppliers for each of the plurality of products; and
Further comprising calculating the cost of the plurality of products by applying the identified lowest price to each of the plurality of products. method.
delete delete According to paragraph 1,
Information related to the rental request includes preference information of the user,
The preference information includes the user's priorities for cost and quality, respectively,
The method further comprising identifying the one or more providers among a plurality of providers to transmit the second message based on the user's priorities for cost and quality, respectively.