KR20010077940A - System for organizing and operating “gye” on network - Google Patents

Abstract

PURPOSE: A system for managing a fraternity on the network is provided to create an additional profit by constructing and operating a fraternity on a network through an Internet community organization. CONSTITUTION: A plurality of users(20a, 20b, 20c, 20d) are connected to a fraternity operator system(10) and access to a web site being provided from the fraternity operator system(10) and perform a member joining, a fraternity joining, and member information supply. A bank(30) is connected to the operator system(10) and a credit evaluation institution(50) and confirmed by the credit evaluation institution(50). A member obtaining an electronic certification from an electronic certification system(70) opens an account for automatically paying to the operator's account and automatically paying from the operator's account to a designated member. The certified member may pay through a credit card company(60). The bank(30) and the fraternity operator system(10) are connected to an insurance company(40).

Description

System operating system on network {SYSTEM FOR ORGANIZING AND OPERATING “GYE” ON NETWORK}

The present invention relates to an operating system and method for operating a system on a network, and more particularly, to operate a system (on-line) on a network (online), which has been operating in the real life (offline), mainly from acquaintances. A system and method for generating profits.

The world has been a tradition in our country and can be said to be a social group (community) for socializing and making money or goods for each purpose. In the world, the target value is divided into fixed periods, monthly payments are made, and the target values are created in turn and paid to the members whose month is their order. However, those who ride first will benefit as long as the first, so they pay the opportunity cost.

Table 1 below shows the system operation method.

Target amount: 5,000,000 KRW Monthly payment: 800,000 KRW Payment period: 6 months Participation members: 6 Date Subscriber 1/1 2/1 3/1 4/1 5/1 6/1 7/1 A (1) 80 85 85 85 85 85 B (2) 80 80 85 85 85 85 C (3) 80 80 80 85 85 85 D (4) 80 80 80 80 85 85 E (5) 80 80 80 80 80 85 F (6) 80 80 80 80 80 80 Passing member and amount A / 480 B / 485 C / 490 D / 495 E / 500 F / 505

(Unit: million won, parenthesis in turn)

From the second month in the table shown in Table 1, one of the members of the group collects the amount of money paid by others in that month, and after that, pays an additional 50,000 won, which is the interest.

Unlike the method shown in Table 1, a method of equally distributing and paying the total amount to be paid by the member may be used. In this case, the method of operation of the system is shown in Table 2.

Target amount: 3,000,000 KRW Monthly payment: 800,000 KRW Payment period: 6 months Participants: 6 Date Subscriber 1/1 2/1 3/1 4/1 5/1 6/1 7/1 A (1) 535,080 535,080 535,080 535,080 535,080 535,080 B (2) 524,780 524,780 524,780 524,780 524,780 524,780 C (3) 514,680 514,680 514,680 514,680 514,680 514,680 D (4) 504,790 504,790 504,790 504,790 504,790 504,790 E (5) 495,090 495,090 495,090 495,090 495,090 495,090 F (6) 485,580 485,580 485,580 485,580 485,580 485,580 Passing member and amount A / 300 million B / 300 only C / 300 million D / 300 only E / 300 million F / 300 only

(Unit: Won, parenthesis in order)

The advantages of such a system are as follows.

1. If you are in a hurry but cannot get a loan at the bank (for example, without a guarantor), you can easily raise your money.

2. The interest rate is lower than those borrowed through bonds or cash advances.

3. People who get late can get higher profits than existing financial institutions such as banks.

4. The conventional off-line system has been mainly made up of meeting people in a trust relationship. However, there are time and space difficulties in forming a system of acquaintances. This problem can be solved using the open space of the Internet.

5. Unlike traditional systems, the countermeasures against problems are unclear.

6. Plan and consume so you have reasonable consumption habits.

7. In the case of loans with complicated procedures and many restrictions for the general public to use, one-sided products must be unconditionally followed. In the case of the Internet system, it is convenient for the user to develop products for each individual.

It is therefore an object of the present invention to organize and operate the system on a network through an internet community organization, and to generate additional revenue therefrom.

In other words, the system administrator is to act as an administrator through the Internet web page to organize and operate the system, to solve the problems of the traditional system organization and to generate revenue through the operation of the system.

According to an aspect of the present invention, in the method of operating the system by the system operating system on the network connected to the Internet system operator, banks and insurance companies,

Registering a user of the network as a member of an Internet-based operator,

Opening an account through a network at a bank where the member is connected to an internet operator;

Selecting a desired product and ride sequence number,

In the account, the payment is automatically transferred to the operator's account every predetermined period, and the premium is automatically transferred to the insurance company;

Transferring, according to the selected sequence, the target product amount of the merchandise from the account of the operator to the account of each member;

Payment of interest and interest from other member's account is automatically transferred to the operator's account every predetermined period and premium is automatically transferred to the insurance company

Provided is a system operating method comprising a.

According to another aspect of the present invention, in the system operating method by the system operating system on the network connected to the Internet system operator, banks and insurance companies,

Opening an account via a network in a bank where a member of the operator is connected to an internet operator;

Selecting a desired product by the member,

The member prepays two or more payments to the account manager;

The system operator purchasing the target product of the instrument and sending it to the members;

The remaining payments of the two or more payments in the member's account is automatically transferred to the operator's account every predetermined period, and the premium is automatically transferred to the insurance company

Provided is a system operating method comprising a.

1 is a schematic diagram of a system operating system on a network of the present invention;

2A is a detailed conceptual block diagram of the system operator system of FIG.

2B-2D are schematic diagrams showing the structure of a database.

3 is a flowchart illustrating a system operation method according to the present invention.

4 is a detailed flowchart of the credit check step 315 of FIG.

5A is a detailed flowchart of the subscription product step 320 of FIG. 3.

5B illustrates an embodiment of a user interface for checking a merchandise.

Figure 5c is an embodiment of a user interface for subscription product.

Figure 5d is an embodiment of a user interface that allows a member to check the list of products you want to subscribe.

6A is a detailed flowchart of the product selection step 515 provided in FIG. 5A.

6B illustrates an embodiment of a user interface for registering a proposed product.

7 is a detailed flowchart of the account opening step 323 shown in FIG.

8 is a detailed flowchart of the goods receipt step 335 shown in FIG.

9 is a detailed flowchart of the overdue member preparation step 345 shown in FIG.

10 is a flowchart of a system operation method for a joint purchase type system product.

11A is a flowchart illustrating a procedure for connecting to an operator site and providing a service.

11B is an embodiment of a main screen initially provided when accessing an operator site.

11C illustrates an embodiment of a user interface for searching for member information.

12 is a conceptual diagram illustrating a method of providing a system service through an affiliate system.

<Explanation of symbols for the main parts of the drawings>

10: Total Operator System

20a, 20b, 20c: user system

30: banking system

40: insurance company system

50: Credit rating agency

In the system operation method of the present invention, the system operator is a business operator who operates the system through the Internet website, and the members of the system are general netizens who use the Internet.

<Total operating stage>

The system operation method of the present invention is divided into a method of recruiting members through the company site and providing a service and a case of providing the system service through an operating system in which an affiliate or a member relationship is established. The explanation focuses on the difference from the former.

The preferred embodiment of the method of operating the system through the company's site is summarized as follows.

<Step 1>

The user U1 on the network registers as a member at the site of the Internet operator.

A member U1 opens an account at a bank connected to an Internet operator. (Including credit rating and real name verification)

Apply for online banking.

<Step 2>

The member U1 selects and registers the desired merchandise and the riding sequence.

<Step 3>

In your online banking account, payments, etc., are automatically transferred every month (or every predetermined period) on a predetermined basis (usually monthly), and the turn begins one month after the first payment.

The user must provide identification information to verify his or her identity at the time of membership registration or opening a bank account. The bank examines the member's credit status with a credit bureau and determines the amount used (ie, the maximum allowable value of the total amount of the instrument subscribed by the member). When the member selects the merchandise (step 2), if the desired merchandise is present and the product is within the above limit, the member is allowed to join the merchandise. However, if the member does not make a payment during the operation, he or she will be held responsible for the insurance paid by the member or the operator. In the case of conducting a credit rating, the credit rating of the first member who subscribed to the instrument will be determined mainly by the credit rating agency, but in the case of a member who has registered in the instrument, the number of subscriptions, loyalty, and transfer of the payment will be made. Considering the province, etc., the operating system can evaluate the creditworthiness of itself.

<Organization type of system>

There are two main ways of organizing the system: how to organize online members from the beginning, and how to transfer the real-world (offline) system to the online system. In this case, when the current organization that is operating offline is transferred to an online member, the trust relationship between the members is confirmed as confirmed, and it is possible to provide a benefit of discounting the premium.

<When an operator creates a merchandise>

When the operator generates and announces the merchandise, an example of the announcement is as follows.

-Target product: 5 million won

Duration: 12 months

-How to determine the order: First come first served

-Application period: 1 week from January 5

Note) If the number of people is filled, start from the contract date, and if the number is not enough, dismantle it with the agreement of the members.

The items necessary to define the merchandise in this way are the merchandise amount or merchandise (if the specific merchandise), the merchandise duration, the method of determining the merchandise order number, and the acceptance period. In the above announcement, the system is to be dismantled when there is a shortage of personnel, but the system operator may fill the remaining personnel and operate the system as it is.

In step 2 described above, the operator does not propose a system, but a member can directly organize the system. In this case, prior to the announcement of the merchandise, the desired product is registered on the site, the site is reviewed and approved. A member proposing a system can decide for himself to define the product. If the product proposed by the member is successfully operated and the series process is completed, it is possible to give the proposed member incentives such as cyber money to promote member participation and development of creative products.

<How to determine the ride number>

In addition to the first-come-first-served basis, the method of determining the number of rides is based on the method of drawing monthly riders, the method of determining the number by lot, such as a ladder from the beginning, or the number of first, second and third choices. By using the method, it is possible to draw according to the wish. For example, in an example of the first-come-first-served method, when a product is selected, the remaining sequence number (blank without V letter) can be displayed and selected as shown in Table 3 below.

One 2 3 4 5 6 7 8 9 10 11 12 V V V

When the member proposes the merchandise, the merchandise proposer may propose the merchandise by determining the subscription order number. For example, when transferring the system organized on the offline to online, the sequence number on the offline can be used as it is.

<Type of products>

Types of commodity products include hog products (e.g. 1 million won / year, 3 million won / 2 years, etc.), target products (e.g. coma, refrigerator, notebook, overseas travel, language training, study abroad, etc.) ) Are two general categories, and other forms of original system that members want.

In the case of the target product, it is necessary to maximize the profits of the operator, the member, and the product supplier by selecting the product, recruiting the employees, purchasing the product by discounting the joint purchase from the product supplier, and then selling the product in installment to the member. It is possible.

When a member does not want any of the proposed merchandise, the member may propose a new merchandise. The system proposed by the member is primarily the system operator system to automatically review and approve the contents of the proposed system, and the authorized system product is announced. In the case of special types of merchandise not automatically licensed, the operator shall manually inspect the merchandise and announce the merchandise if approved.

The merchandise is also divided into public and private products on the basis of whether or not to disclose it. In the case of a private product, the general member cannot be subscribed, so the prospective person of the system is determined by the operator or the product offerer. The prospective subscriber is queried, for example, by e-mail, and the intention to join the system is organized.

<An example of a joint purchase system>

One specific example of a joint purchase system is as follows.

Suppose that the operator organizes a system that purchases 10 members and purchases a computer with a consumer price of 2.8 million won. The operator purchases 10 computers at 2.5 million won * 10 = 25 million won through negotiation with a product supplier. The reason why the product supplier sells at a considerably lower price than the consumer is because the system operator recruits members and makes a large amount of purchases at once, and also pays cash for the goods. The operator delivers it to each member and receives 280,000 won in 10 installments. Only two installments of 560,000 won are prepaid so that the goods can be delivered.

Therefore, the operator invests 19,400,000 won, except for 5.6 million won (560,000 won * 10 persons), prepaid by the member, and pays in installments over 10 months. At this time, not only this profit and gain, but also various advertising revenue generated from the system operation site can be additionally obtained.

In this process, the member pays the general consumer price and installs the goods in installment, so that the installment interest can be obtained for 10 months, and the product supplier can secure a demand line for selling in large quantities in relation to the system operator of the present invention. Payments are made in cash, so credit card fees are saved.

Thus, if the operator can realize a gain or loss that is expected to yield more than the bank's interest on the initial investment, if the member wants to pay the installment even at a high interest rate (for example, buying a very expensive item), Or, in the case of a member's point of view, rather than paying a card fee, the above-mentioned joint purchase form system is effectively applicable.

<Countermeasures against default and delinquency>

For example, if the start date of the account is January 1, the amount of the target product will be paid to each member from one month after the initial payment is made (February 1). In other words, the monthly payment is due to the payment of the amount of the product after one month. However, this month is a period in which interest may be accrued, so appropriate sanctions must be imposed on members who are overdue. For example, there is a method of allowing monthly payments to be overdue up to 25 days, paying a predetermined interest corresponding to the overdue period, and delinquent membership as a member of the account if the payment is over 25 days.

In the case of disqualification due to the delinquency, measures such as those described below are implemented, instead of simply ending with disqualification. In other words, if a member is disqualified due to delinquency after receiving the target product, all other target products must be returned to the operator, and the payment is returned to the member after deducting a certain fee. If the disqualified member fails to return the goods to others, he or she shall be reimbursed by the insurance that was received at the time of establishment.

If a member who is not ready to ride is disqualified due to late payment, the member shall be reimbursed to the member without the fee.

In this way, if some of the members are vacant due to withdrawal or disqualification before the system is normally closed, the operator may continue to operate the system on behalf of the vacant member in order to prevent damages to other members of the system. Alternatively, you can take over your status as a member on a more favorable basis (using a fee paid by someone who leaves the system).

<How to decide the amount of insurance>

There are several ways to determine the amount of insurance, which is simply a way for members to pay a fixed premium based on the amount of the product and the period along with the monthly payment.

In addition, the subscriber and the operator double the insurance contract, and the premium paid by the subscriber is applied differentially (0.5% -2.4% / year) according to the loyalty of the subscriber, the credit status, the product and the period of the subscriber. You can also think about how the operator is responsible. This is to benefit members who use the system repeatedly.

The insurance contract method described above is inconvenient to conclude a contract with an insurance company each time a system occurs. Accordingly, the operator may contract with an insurance company to pay a predetermined premium to enter into a comprehensive insurance contract for future products, and the premium paid by the operator may be settled separately from the member each time the payment occurs. In this case, when a new merchandise is opened, the operator transmits the information on the member to the insurance company to conclude an insurance contract for the new member.

In addition to the insurance of members and operators, it is also possible to consider insurance against bank deposits. Since the actual money is all tied to the bank in the system of the present invention, there is no way for members to get relief when the bank goes bankrupt. Thus, the operator or the bank may insure against the payment of the bank. For the bank, it is advantageous to associate with the system operator of the present invention in terms of securing a fixed deposit amount, so it may be possible to provide insurance for the emergency.

Hereinafter, an embodiment of the system operating system of the present invention will be described with reference to FIGS. 1 to 11.

1 shows a plurality of users 20a, 20b, 20c, 20d, account operator system 10, bank 30 and insurance company 40, credit rating agency 50, credit card company 60 and electronic certificate company. A diagram illustrating an embodiment of a system operation system in accordance with the present invention, including 70.

The users U1, U2, and U3 are connected to the system operator system 10, and access a website provided by the system operator system through a browser of the user system to register, register, and provide member information. Perform The users are a number of netizens, and among them, a user who has registered as an operator is called a member, and a user who has subscribed to a relay product among members is called an account member.

The bank 30 is connected to the operator system 10 and the credit rating agency 50, in order for a member to join the account, the bank must receive a credit check by the credit rating agency. In another embodiment, for example, in the case of membership registration separately from the bank, the operator system 10 may receive the member's credit confirmation directly from the credit rating agency 50. In addition, the account member opens an account at the bank. The payment will be automatically transferred from the account opened to the operator's account, and the amount of the product collected from the payment will be automatically transferred from the account to the account of the account member. When online banking is possible or a member who has obtained an electronic certificate from the electronic certificate company 70, it is possible to open an account with the bank 30 and apply for direct debit online. The account member may settle the payment using the credit card company 60. In addition, the bank 30 and the operator system 10 are also connected to the insurance company 40, to conclude the insurance to prevent other members from being damaged even if the member does not make a payment.

FIG. 2A is a block diagram illustrating conceptually in detail the operator system 10 shown in FIG. 1. The operator system includes a central processing unit 210 and a storage device 260 including a ROM, a RAM, a clock generator, and the like, and various databases. In addition, the operator system includes various functional blocks for operating the system, the encryption processing unit 220, payment processing unit 230, member's product proposal processing unit 240 and the like. The encryption processing unit 220 encrypts and transmits and receives all information input and output in the system operation process. In addition, it is also possible to store the encryption key of the accounting member required for electronic authentication and Internet banking. The payment processing unit 230 manages the movement of money from the member's account to the operator's account or in the opposite direction, or the movement of money such as premium transfer, and can check whether the member's payment and premium are paid. have. The product proposal processing unit 240 automatically determines whether to register a product proposed by the member. If the product proposal processing unit 240 is not able to process automatically, it is necessary to determine whether the operator directly registers, and provides the operator with information on the product registration request. In a preferred embodiment such functional blocks may be comprised of software that communicates with one another and performs certain tasks.

The databases included in the storage device will be described below.

First, the commodity database 260a includes data on the type and content of the commodity provided by the operator, which includes the amount of the target product or the object, period, interest, and the like. 2B shows the detailed structure of the product database 260a. The merchandise database 260a generally includes a merchandise main database 260a1 that prescribes the merchandise, a merchandise sequence database 260a2 representing subscription information of the merchandise, a merchandise payment database 260a3 representing payment information of the merchandise, and The product payment database 260a4 including payment amount and delinquent information is included. Looking closely at the fields included in the product main database 260a1, the classification code of the merchandise (which may have a hierarchical classification code), the merchandise number uniquely defining the merchandise, the name of the merchandise, and a brief description of the merchandise The amount of payments that must be made on a regular basis, the period of operation of the instrument, the period for which the member is attracted, the date of receipt, the end date of receipt, and the interest rate applied to the payment after the serial member has received the instrument It includes a start date, an open or closed indication indicating whether a product is disclosed, and a status indication of a merchandise classified by reception / progression / end.

When a commodity commences with a subscription of a commutation member, information on the commutation member and the commodity is recorded in the commodity sequence number database 260a2. As the information on the merchandise, the merchandise merchandise number, merchandise order number of the merchandise members, etc. are recorded, and as the information on the merchandise member, the member's current state, which is divided into the member's social security number and the membership / subscription / change / withdrawal, is recorded. With respect to the subscription product, when the amount of the account product is paid to the account member, the payment information of the account product is recorded in the product payment database 260a3. As payment information, the payment date, product number, order number of the member who received the payment product, and the payment amount of the payment product are recorded. Payment information about the member who has not received the payment amount is recorded in the product payment database 260a4. Looking at the detailed fields of the product payment database 260a4, the amount of payment to be paid in the future, the due date of payment, the total amount of payment of the amount already paid, and the amount of overdue overdue are recorded.

The member database 260c stores the personal information of the member and the merchandise information that the member wishes to join. 2c shows a detailed structure of the member database. As shown in the figure, the member database 260c includes a member main database 260c1 which stores the personal information of the member, and a desired product database 260c2 which stores a list of the merchandise which the member wishes to join. Looking at the detailed fields of the main database, the classification code that identifies the member database, the member's detailed address, the member's address (work or home), the member's name, the member's email address, member ID and password, member registration date, member The phone number, membership classification (whether it is an account member or a general member), the creditworthiness of the member, whether or not the electronic certificate is used, and an established bank account number are recorded. Desired merchandise list database 260c2 is a database that records the merchandise that the member wishes to join, and includes a subscriber resident number, a merchandise selection date, and a merchandise number of the merchandise.

The proposal product database 260e may be integrated with the product database 260a as a database of products proposed by the member. 2D shows a detailed structure of the offer product database 260e. As shown in the figure, the proposal product database 260e is a recommendation product main database 260e1 that defines a product proposed by a member, and a recommendation for recording information of a member who recommends setting and registration of a proposed product when the proposed product is a public product. The member database 260e2 includes a subscriber scheduler database 260e3 that records information about potential users who are scheduled to subscribe to the private product when the proposed product is a private product. Looking at the subfields of the proposed product main database 260e1, the product classification code designating the category to which the proposed product belongs, the name of the proposed product, the amount of the proposed product, the duration of the proposed product, the member ID that proposed the product, and the public or private of the product , The total number of members who recommended the proposed product, the number of members who viewed the proposed product, the current status divided by the reception / progression / disposal, and the password of the product in the case of a private proposal product. The recommended member database 260e2 includes an ID and a social security number of the recommended member, and a date for recommending setting registration of the proposed product. The prospective subscriber database 260e3 includes an e-mail address of the prospective subscriber, a resident registration number of the prospective subscriber, a classification of whether the prospective member is a member, and a member ID when the prospective member is a member.

Returning to FIG. 2A and explaining the database 260, the contract database 260b includes the contents of the account contract effectively signed between the member and the operator. The contents of the contract includes the method of receiving the goods, the fee for late payment or withdrawal, the method of preparation for return of goods, the contract approval number, and the method of liquidation if the account is abnormally terminated. The cryptographic database 260d stores, for example, keys used for encryption and decryption. The log database 260f stores all records of the member's access and activities. The payment database 260g stores a record of transfers between bank accounts. The accounting database 260h includes data on the profits or financial status of the account operator. The insurance database 260i stores information about insurance contracts with insurance companies, and the member credit database 260j is a credit rating agency or Information about the credit of a member who has evaluated itself is stored.

3 is a flowchart illustrating a case where the instrument is cash in the method of operating the system according to the present invention. When the user logs in to the site operator site of the present invention, the user first goes through the registration process 310. This process is omitted for existing members, and you only need to log in by entering your ID and password. At the time of membership registration, a name, social security number, address, telephone number, e-mail address, opening account information of the bank, and the like are input, and the input information is stored in the member database 260c.

Next, the member checks the credit status of the member based on the personal information input at the time of registration (315). The credit status of the member may be evaluated by the account management system 10 directly by the credit rating agency 50 or indirectly through the bank 30 based on the member's account input information. The operating system 10 receives data on the member's credit status and the product subscription limit from the bank 30 or the credit rating agency 50, and records the data in the member database 260c.

If it is determined that the member is inadequate in joining the merchandise because he is a bad credit member, the procedure is terminated. If there is no problem in the credit status, the member may join the merchandise (320). The merchandise information registered by the member is stored in the merchandise product database 260c.

After joining the instrument, the account member can open a bank account (323). When the account is opened, the real name is verified by the bank, and the member applies for automatic transfer of the payment (323). Open bank account and direct debit application information is stored in the member database (260c). In the case of a member who already has an account in the bank, the step 323 may be replaced or omitted by entering account information.

The member who subscribed to the system product pays the payment and insurance premiums every predetermined period (330), and the member who receives his / her order receives the system product (335). Payment of each member's payment is automatically transferred to the account of the account manager, and the amount of the product is automatically transferred to the member's account in turn after a predetermined period has elapsed from the time when the first payment is made. Steps 330 and 335 are repeated until the expiration date of the merchandise arrives (340).

On the other hand, if the account member overdues the payment for a certain period of time, he or she will apply a certain fee to the account member. The amount charged to the overdue member varies depending on whether the account member receives the amount of the product, and the same agent is applied to the member who withdrew before the expired product expires (345).

It is determined whether to continue to operate the successor for overdue members or voluntary withdrawal members (350). In order to continue the operation, it is necessary to handle the payment of the withdrawn members.The new member should be managed on a more favorable condition than the withdrawn member by using the insurance method and the fee collected from the withdrawn member. You can use the method of recruiting, participating in the system operator, and separating and merging the same kind of system.

If the withdrawal member can be replaced, the delinquent payment is paid (355), and then the system transitions to the receipt of the merchandise (335) to continue to operate the system. .

Hereinafter, each step shown in FIG. 3 will be described in detail with reference to FIGS. 4 to 11.

4 is a detailed flowchart of the credit check step 315 of FIG. First, the system operator system 10 reads information (ie, name, social security number, account information, etc.) about the member from the member database 260c and transmits it to the credit rating agency 50 (410). The credit rating agency 50 transmits the credit rating result to the system operation system 10 (415). The system operating system 10 determines whether the member approves the subscription of the merchandise based on the result of the credit evaluation (420), and calculates the limit for each member if the approval is possible (425). If it is impossible to approve, it is notified of the reason for not approving and the possibility of joining later (430). As mentioned above, if the membership of the account is restricted, the creditor may be a minor or a minor.

5A is a detailed flowchart of the subscription product step 320 of FIG. 3. A member wishing to subscribe to the merchandise is searched for the merchandise (505). The system operation system 10 may search the product database 260a to present a list of system products to the member, or the member may search for a desired product by inputting a search word. 5B shows a user interface for the system product search. As shown in the figure, a product can be searched by inputting a keyword, a theme (classification item of the product), a period, and an amount of the product. When the search is executed, the system operating system 10 searches the product database 260a and the suggested product database 260e, and displays a list of products suitable for the keyword at the bottom of the search box, and the member selects individual products to make detailed information. Can be obtained. However, in the case of a private product, a password must be entered in order to retrieve detailed information of an individual product.

The member selects one product from the list of system products provided by the operating system 10 (510). 5C is a system product subscription interface provided by the operating system 10. When the member selects the merchandise, the operating system 10 searches the member database 260c to provide a merchandise subscription window having the interface shown in Fig. 5C. A member can change his or her information by selecting a member information editing icon.

If there is no desired merchandise, the member may propose and register a new merchandise (515). The proposal of a new product will be described later in detail with reference to FIG. 6B.

When the member selects a product, the operating system 10 queries the member's limit information recorded in the member database 260c and checks whether the selected product is the member's credit limit (520). If the product is out of the limit, it is induced to select a new product (510), if within the limit, approves the subscription to the merchandise (525), and gives a contract approval number (530). The merchandise and the merchandise number subscribed to by the member are stored in the member database 260c and the contract database 260b (535).

When the member database 260c is recorded, it is recorded in the desired merchandise list database 260c2. The operating system 10 provides an interface for a member to search for his / her own desired item list stored in the desired item list database 260c2. 5D illustrates an output screen of a list of subscription desired products for each member. The screen displays the date (the date of selection of the merchandise), the name of the merchandise, the product amount, the period, the end date of receipt, and the confirmation of deletion. The member can withdraw from the merchandise by deleting the merchandise he has subscribed to before the end date of receipt.

As described above, when there is no desired product in the product selection step 510 of FIG. 5A, a new product may be proposed. 6A is a flowchart illustrating a process of proposing and registering a new product. If a member wishes to register a merchandise, he / she shall enter the details of the merchandise to propose and register the merchandise.

6B illustrates a proposal product registration interface provided by the operator system 10 for conveniently providing a proposal product input. In the drawing, for the definition of the proposed product, the theme (product classification) of the proposed product is selected, and the member directly inputs the product name, amount and duration of the total product. The proposed product may be a public product or a private product. In the case of a private product, the product proponent must enter a list of prospective subscribers and a password to offer access to the product. In order to announce the product offer, the e-mail address of the prospective subscriber is required, and information about the prospective subscriber is stored in the prospective subscriber database 260e3. Information input by other members is stored in the proposal product main database 260e1 of the proposal product database 260e.

With respect to the proposed merchandise, the operating system 10 determines whether to disclose (610), and in the case of a private merchandise, referring to the e-mail address entered by the proposer, and inquires about whether to subscribe the merchandise ( 615). In the case of the public offering, the proposed product is disclosed to the general member (620), and is recommended by the general member (625). At this time, the operating system 10 records the information of the recommendation member in the recommendation member database 260e2 of the proposal product database 260e, so that the same member cannot be recommended repeatedly.

The proposed merchandise is examined in the product proposal processing unit 240 of the operating system 10 (630). At this time, the screening is first performed automatically, and in the case of an unusual type of product that is not automatically judged (unformed), the screening is manually performed by the operator. For example, in the case of closed goods, the period of operation of the merchandise and the number of subscribers who receive the merchandise must match, which can be automatically judged. In the case of a private product, it is examined whether the prospective subscriber is a member registered in the operating system 10. If the member is not a member, the offer may be determined as an inappropriate offer product (650), but a subscription may be induced to the prospective subscriber. In the case of public products, the number of recommendations of members is an important factor in determining whether or not the proposed merchandise is registered.

If the condition is not satisfied, the proposed merchandise is deleted from the proposal product database 260e (650). If the condition is satisfied, the proposed merchandise is registered in the proposal product database 260e and notified 640. In the case of a private product, no notification is made, and the password entered by the member who wants to access the private product is checked, and only the member whose password is entered by the product proposer is allowed to access the product. After performing the registration and notification of the product, the operating system 10 sends a guide mail to the member who proposed the product (645). In the case of a private product, a registration fact of the merchandise will be sent to the prospective subscriber by e-mail, and in the case of a public product, a recommendation mail will be sent to a referral member.

When the proposed merchandise is registered, it is possible to provide a member who proposes the merchandise, for example, to preferentially select a turn number.

7 is a detailed flowchart of the account establishment step 323 shown in FIG. When the member requests to open an account (705), the operating system 10 transfers the account opening application information to the bank (30). The bank 30 receives the application information, opens an account and approves a request to open an account (710). The account opening approval message from the bank 30 is provided to the member via the operating system 10 or directly from the bank 30. As shown in Fig. 7, it is not necessary to open an account online. If you open an account offline, or have an account open, the member only needs to enter the account opening information, the user can check the account opening information entered by the member between the operating system 10 and the bank (30).

After opening an account, a member can apply for direct debit (715). The operating system 10 receives the debit application, and then sends a debit application message to the bank 30. The bank sets a direct debit for the account, and passes 720 a debit authorization message to the member. As with opening accounts, direct debit applications can be made offline. In this case, the member only needs to input the information on the debit setting to the operating system (10). The above direct debit step can be omitted. In this case, the deposit will be credited to the account of the accounting manager through the giro. Account and direct debit information is stored in the member database 260c.

FIG. 8 is a detailed flowchart of the merchandise receiving step 335 shown in FIG. 3. First, the operating system 10 searches the product number database 260a2 of the product database 260a to search for members whose number has expired. The operating system 10 reads the contract stored in the contract database 260b and sends the contract online or offline to the member who has expired. The contract shall include the contents of the terms and conditions, the contents of the terms and conditions, the method of receiving the merchandise, and the agreement on the method of preparation for withdrawal after the receipt of the amount of the product. The member shall seal the contract and prove his / her identity by attaching a copy of the seal registration (815). Members who have received an online contract can sign the contract with an electronic signature through electronic certification. In this case, a seal for confirmation of the account member is not necessary, and the verification of the person is performed between the operating system 10 and the electronic certification company 70. The operating system 10 receiving the contract signed by the account member stores the contract in the contract database 260b and deposits the account product amount of the account member (820). Information about the payment of the system product is recorded in the product payment database 260a3 of the product database 260a (825).

9 is a flowchart illustrating a detailed process of the overdue member preparation step 345 shown in FIG. The operating system 10 determines whether the overdue date of the member who overdue the payment amount exceeds the grace period (905). If it is not exceeded, a notification mail is sent to facilitate the transfer of payments (907) and the member continues to check if the payment is due within the grace period. If the grace period is exceeded, the overdue member is disciplined using the method of disqualifying the related member and removing the subscription to the future product (910). The delinquency fact is recorded in the product payment database 260a3 of the product database 260a. In operation 915, the operating system 10 searches the product payment database 260a3 to determine whether the overdue member has received the product amount. If the product amount is not paid, the delinquent member returns the amount deducted from the total payment amount (920). If the amount of the product is paid, the total member is requested to return the amount of the total amount paid from the amount of goods and fees paid to the account member (925). If the overdue member does not receive the amount of the goods and fees, he or she actively enforces the right, such as being guaranteed through the insurance company 40, foreclosing the overdue member's property, or collecting bonds (930). The exercise of bonds through seizures or collections may be exercised by the members of the account, but it is preferable that the operator of the bond is exercised on behalf of the member.

10 is a flowchart illustrating a system operation method in the case of the aforementioned joint purchase type product. The left side of the figure is a flowchart from the operator's point of view, and the right side is a flowchart from the member's point of view. For convenience of description, the parts common to those in FIG. 3 are not shown in FIG. 10.

First, the operator selects the joint purchase product in consideration of the product which the member wants to purchase (1015), and then determines the price and quantity by negotiating with the product supplier (1020). When the negotiation is completed, the company announces the merchandise (1025) and recruits co-purchase members (1030). At this time, members select this product and join as a member.

The operator receives at least one advance payment (for example, two months) from the member and purchases the product from the supplier at the contracted price, with the operator paying the remainder of the product price (1035, 1055).

The operator delivers the product to each member 1040 and receives the remaining payment from the member, such as by transfer. From the member's point of view, the product is received (1060), and the remaining payment is paid to the operator by means of transfer.

In the case of the joint purchase type system products, when the system is not normally terminated, the processing method follows the process of FIG. However, since the commodity is not cash, the commission should be calculated in consideration of the depreciation of the goods.

11A is a flowchart in which an Internet user or member accesses the system operation system 10 according to the present invention and receives a service. The operating system 10 provides the main screen to the Internet user accessing the site (1105). The main screen provided by the system operating system is shown in FIG. 11B. Members who do not register as members will be provided with the merchandise service according to the procedure shown in FIG. 3 or 10 after joining the member (1135).

If the member is a login process (1110), if the password of the member does not match, the transition to the password search step (1125). After logging in, the account goods service is provided by following the steps shown in FIG. 3 or FIG. 10. Icons for the login and registration steps 1110 and 1135 are located at the upper right of FIG. 11B.

The logged in member may view, modify, and change his or her information (1115). Clicking on "my account" at the bottom of FIG. 11B to view the user's information moves to a window where the user's information shown in FIG. 11C can be viewed. The magnetic information reading window includes a browsing interface 11c1 for the ongoing merchandise and a browsing interface 11c2 for the incoming merchandise. Through the interfaces 11c1 and 11c2, information on the member, information on the progress product or the received product, and in the case of the progress product, payment information on which the member has paid the payment amount so far is provided. In addition, the member can click on the member information modification icon to modify his or her member information (1120).

The embodiments of the present invention described with reference to FIGS. 3 to 11 are exemplary and various modifications are possible.

In evaluating a member's credit, it can be self-evaluated by the system operating system 10 without going through the credit rating agency 50. In this case, various evaluation factors can be considered. Personal information such as marital status, dual income, type of credit card held and annual income can be used. The system subscription information, such as a product amount, a delinquent amount, and a subscription, can be used. In addition, a member's credit may be evaluated by combining the evaluation contents of the credit rating agency 50 and the self evaluation contents.

The account opening step 323 may be performed before the subscription step 320 of the merchandise. It is also possible to deposit money directly into the manager's account according to the date without necessarily applying for direct debit.

In payment of the payment 330, payment by credit card can be used. Credit card company 60 will pay the payment to the system operating system every certain period.

There are also a number of variations that can be made when the amount of the product is deposited in the operator, as long as the operator can earn adequate interest income. For example, the period between a specific turn can be set as the deposit period. In the case of 10-month goods, the product amount can be deposited in the account operator's account in the fifth and sixth months. In addition, for example, in the case of a 10-month-based product, the payment may be made at an interval of 1 month for 10 months, but the product receiving cycle may be 1 month 3 days.

It is also possible to transfer the account directly from the account member's account to the account member's account in turn without going through the account manager's account. However, since a system operator makes a profit on interest generated by attracting a commodity value for a predetermined period, there is a need for a method that can properly compensate for interest income. The first option is to deposit the member's one-time payment to the account manager's account for a certain period of time, and then transfer the account between the account members after a certain period of time. Secondly, there is a way for members to divide the amount equivalent to the interest income of the operator and provide it to the operator in the form of a fee for joining the instrument. In the latter case, the system operating system 10 only serves as an intermediary for recruiting members and closing the account, and is not involved in the flow of payment.

So far, the method of providing the system service directly through the system operation system 10 has been described, but the system operation system 10 may provide the system service through cooperation with other systems.

FIG. 12 is a conceptual view illustrating an embodiment of a process of providing a system service through an affiliate system 1203 which is an operating system having an alliance or membership relationship with the system operating system 10. Provision of the system service through the affiliated company management system 1203 is achieved by the affiliated company and the affiliated partner. Once the alliance agreement is concluded, the member of the affiliated operating system 1203 is a member of the affiliated operating system 10 and receives the registered service from the affiliated operating system 10 according to the procedure shown in FIG. 3. The personal information to be additionally provided in order for the affiliate operating system 1203 to be registered as a member of the affiliate is determined at the time of the alliance between the operator and the affiliate.

The system operating system 10 includes an affiliate service database 1201 for storing information related to the affiliate service when providing the system service to the affiliate system 1203. The database 1201 includes an affiliate database 1201a that stores information of affiliates, an affiliate member database 1201b that stores information of members who have joined the system through affiliates, and stores information of system products provided through affiliates. Affiliate product database 120c is included. The affiliated member and affiliated product databases 1201b and 1201c may be integrated with the member database 260c and the product database 260a shown in FIG. 2A.

The affiliate operating system 1203 receives almost all of the solutions related to the system service from the system operating system 10, but separately manages the merchandise and member information subscribed to the system in the affiliate database 1205. The affiliate database 1205 includes an account member database 1205a which stores information of members who have subscribed to a meter product, and a meter product database 1205b that stores information of a meter product provided from the system operating system 10. In addition to the information on the account members and products, affiliates may directly maintain and manage other system-related information through agreement between the system operator and the affiliates.

While many different ways of operating systems on the Internet and specific implementations have been described, many other variations are possible. For example, in the case of a monetary system, when the amount of the system is burdensome, two or more members may join the system. By allowing these two members to be treated as a single member by other members, it is possible to operate the system in substantially the same way as one member each participating in a share.

Alternatively, it is possible to construct a system integrating the system operating system as part of the partner operating system so that the affiliates directly operate the system. For example, in the case of a luxury goods company, the sales system can be diversified by including the system operation system of the present invention as part of its own system. Conversely, as part of the system operation system, it is also possible to include product management and supply chain to facilitate the supply of goods to the commodity world.

The system of the real economy has a problem that the limit of responsibility is not clear because the individual is the subject. While the ambiguity of responsibility was one of the biggest problems of 'system', as these organizations moved to cyber space, the responsibility substance became clear as the operator who organized the individual and 'system' through insurance, and the compensation system was established accordingly, so everyone believed it was safe and secure. The system of finance becomes available. Therefore, it is a chance to activate the private economy and establish a proper consumption culture by bringing the 'system', which was formed negatively, into the cyber space.

If the system is organized online, all transactions can be made anonymously between members unless they wish. However, the relationship between finance and insurance goes through the real name verification process.

It proposes 'count' as a way to eliminate the process of 'loan' and guarantee that raises the threshold of banks, and solves the inconvenience of having to set up insurance, insurance and insured to get a loan. It is a way to activate.

People who need money urgently can get money at low interests without unnecessary procedures, and people who want money can raise money stably at higher interests (rather than bank interest).

Without speculation, such as traditional finances and mutual funds, the entire deposit is deposited into the bank, the bank manages all procedures and the operator does not manage any payments. Therefore, as a member, it is a safe system operation method without any anxiety of principal collection due to bankruptcy of the system operator, which is beneficial to all banks, consumers, operators, and insurance companies involved in the operation.

While the present invention has been described with respect to specific embodiments, it will be apparent to those skilled in the art that other variations and modifications are possible. For example, the work flow diagrams presented in the specification and the drawings are only one example for operating the Internet system. Accordingly, it should be understood that all modifications and variations included in the spirit of the present invention belong to the appended claims.

Claims (43)

In the system operation method by the system operation system in the network which an internet system operator, a bank, and an insurance company are connected, Opening an account through a network at a bank where a member of the system operating system is connected to the system operator; Selecting a desired product and ride sequence number, A payment is automatically transferred from the account to the account of the account operator every predetermined period of time, and the premium is automatically transferred to the insurance company; Transferring, in accordance with the selected order, the amount of goods of the merchandise from the account of the account operator to the account of each member; Payment of goods and interest from other member's account is automatically transferred to the account of the operator of the account every predetermined period, premium is automatically transferred to the insurance company System operation method comprising a. In the method of operating a joint purchase system, the system is operated by a network operating system in which a network operator and a bank and an insurance company are linked. Opening an account through a network at a bank where a member of the system operator is connected to a network system operator; Selecting a desired product by the member, The member prepays one or more payments to the account manager; The system operator purchasing the target product of the system product and sending it to members; The transfer of the remaining number of payments except the one or more payments from the member's account is automatically transferred to the account of the account operator at predetermined intervals, and the premium is automatically transferred to the insurance company. System operation method of joint purchase form comprising a. The method of claim 1 or 2, further comprising the step of registering a user of the network as a member of the system operating system. 3. The method of claim 1 or 2, further comprising a member of the system operating system logging in to the website of the system operator. The method of claim 1 or 2, further comprising: if a member of the system operation system does not have a desired system product, proposing a new system product and registering the system product with the operating system. 6. The method of claim 5, wherein the proposing a new merchandise and registering it in the operating system automatically examines the proposed merchandise and announces and registers the merchandise approved in the audit on the website of the merchandise operator. System operation method to include. The method of claim 1 or 2, wherein the opening of the account includes a step of examining a member's creditworthiness. 8. The method of claim 7, wherein the member selecting the instrument includes determining whether the member selects the instrument within the contract limit according to the member's credit rating. 8. The method of claim 7, wherein the premium is adjusted according to the member's creditworthiness and the member's past accounting contracts and completion records. The method of claim 2, wherein the member's payment x the total number of payments are determined to be higher than a purchase price of the target product. The method of claim 2, wherein the purchasing of the target product of the merchandise includes: operating the merchandise by purchasing the target product by (the total purchase price of the product—the prepayment of the member); Way. In the system operation method by the system operation system in the network which an internet system operator, a bank, and an insurance company are connected, Registering a member of the system organized offline as a member of the system operation system and applying for the operation of the system; Opening an account through a network in a bank where a member of the system operating system is connected to an internet system operator; A payment is automatically transferred from the account to the account of the account operator every predetermined period of time, and the premium is automatically transferred to the insurance company; Transferring, in accordance with the selected order, the amount of goods of the merchandise from the account of the account operator to the account of each member; Payment of goods and interest from other member's account is automatically transferred to the account of the operator of the account every predetermined period, premium is automatically transferred to the insurance company System operation method comprising a. In the network operator system in the network in conjunction with banks and insurance companies for operating the system on the network, Means for networking with members, banks and insurance companies to send and receive data, Password processing unit for encrypting and decrypting data when sending and receiving data with members, banks and insurance companies, A database storage unit including information about the member, information about the system products provided by the system operator, and information about the system that is organized and operated; Central processing unit to give members the opportunity to select products and organize and operate the system according to the member's choice System operator system comprising a. In the system operation method by the system operation system in the network that network operator, bank and insurance company are linked, Selecting a desired product from the operating system by a member of the operating system; Depositing the payment into the account of the operator by each member who subscribed to the merchandise every predetermined period of time; Depositing a total amount of goods from the account of the operator to the account of the member at predetermined intervals; System operation method comprising a. The method of claim 14, The depositing of the payment amount is a step of depositing the payment amount and the interest when the member receives the payment product amount. The method of claim 14, The depositing of the payment amount is a step of depositing by dividing the total amount of the payment to be deposited by the member. The method of claim 14, The system product selection step includes a step determining step of determining the order of receiving the product amount of the selected product in the system operation system. The method of claim 17, The order determining step is a step of determining the desired order by the member in the order in which the subscription to the merchandise. The method of claim 17, The sequence number determining step, Receiving, by the system operation system, a desired sequence number from the member; Determining, by the system operating system, adjusting the input order number System operation method comprising a. The method of claim 14, If the system is not terminated normally, the method of operating the system further comprising the step of entering into insurance that can guarantee the loss of the operation of the insurance company. The method of claim 20, The execution of the insurance is a system operating method to conclude the insurance company and the system operator. The method of claim 21, In the execution of the insurance, the system operating system pays a predetermined premium to the insurer, comprehensively concludes an insurance contract for a predetermined number of total products, and individually operates to settle the payment premium from an individual affiliated member. Way. The method of claim 20, The execution of the insurance is a system operation method for entering into between the insurance company and the member subscribed to the system product. The method of claim 20, The system of claim 1, wherein the insurance is concluded jointly between the insurance company, the system operating system and the member. The method of claim 14, The member operating system further comprises the step of opening an account via a network to the bank associated with the account operator. The method of claim 25, The member further comprises the step of applying for the automatic transfer of payments from the opening account to the account of the account operator, The payment amount is the account management system is automatically transferred from the account of the member to the account of the account operator. The method of claim 14, In the step of paying the product amount, the first payment amount of the account member is deposited in the account of the account operator for a predetermined period of time and then the account amount is paid. The method of claim 14, The payment step of the product, the step of transmitting a contract containing the information to agree to the method of receiving the product and the terms and conditions of the goods before depositing the goods to the account of the member, and the contract signed by the member A method of operating a system comprising receiving. The method of claim 14, The step of selecting a merchandise system, the member proposes a new product, and the system management method comprising the step of examining and setting the proposed product in the system operating system and registered. The method of claim 29, If the proposed product is a public product, further comprising the step of advertising the proposed product to receive a recommendation from another member. The method of claim 29, If the proposed product is a private product, the proposal member designates a subscription candidate of the proposed product. The method of claim 29, The setting registration step is a system operation method comprising the step of automatically examining the goods proposed in the system operation system. 33. The method of claim 32, If it is not possible to automatically judge, the system operator further comprises the step of judging the proposed product. The method of claim 14, If the member voluntarily withdraws or is forced to withdraw due to payment in arrears, further comprising the step of preparing a withdrawn member, and replacing the withdrawn member. The method of claim 34, wherein The step of formulating the withdrawal member comprises the step of collecting a predetermined fee from the withdrawal member. 36. The method of claim 35 wherein The step of replacing the withdrawn member includes the step of recruiting a new member on a condition more favorable than the existing subscription product member using the fee collected from the withdrawn member. The method of claim 34, wherein The step of replacing the withdrawn member, wherein the step of replacing the operator with the position of the withdrawn member operation method. The method of claim 34, wherein The step of replacing the withdrawn member, step of replacing the payment of the withdrawn member with the insurance payment paid by the insurer. In the method of operating a joint purchase system by a network operating system in which a network operator and a bank and an insurance company are linked, Selecting a desired product by a member of the operating system; The member prepaying one or more payments to the account operator; The system operator purchasing the target product of the system product and sending it to members; Depositing the remaining number of payments other than the one or more payments in the account of the member to the account of the account operator at predetermined intervals; System operation method of joint purchase form comprising a. In the system operation method by the system operation system in the network which the internet operator, bank and insurance company are connected, A member of the system operating system selecting and subscribing to the system product from the system operating system; For each said member subscribing to the system product, depositing the payment into the account of one member of the subscribing member every predetermined period of time; Each of the members pays a predetermined fee to the account management system upon subscription of the merchandise, and depositing the payment amount is a step of depositing the payment amount and the interest in the case of the member who received the payment amount from the members. In the system operation method by the system operation system which operates a network system, and the cooperation operation system which made the alliance with the said system operation system, Registering a member of the affiliated operation system as a member of the system operation system; A member of the affiliated operation system selecting a product from the system operating system through the affiliated operation system and subscribing to the product; Depositing the payment to the account of the account operator of the account management system by each member who subscribes to the account product every predetermined period of time; Depositing the amount of the product from the account of the account operator to the account of the member at a predetermined time period; Step operating system comprising a step. The method of claim 41, wherein The affiliated operating system includes a database that stores information about members and affiliated products subscribed to the system, The step of subscribing to the system product, system operation method comprising the step of storing the member information and the system product information subscribed to the system in the affiliated operating system in the database. In the system operation method of the joint purchase type by the system operation system which operates a network system, and the cooperation operation system which cooperated with the said system operation system, Registering a member of the affiliated operation system as a member of the system operation system; Selecting a desired product from the system operating system by a member of the affiliated operation system; Prepaying one or more payments to the operator of the account management system by the account member; The system operator purchasing the target product of the system product and sending it to members; Depositing the remaining number of payments other than the one or more payments in the account of the account member to the account of the account operator at predetermined intervals; System operation method of joint purchase form comprising a.