KR20010088910A - System for reserving credit guarantee point of a conditional state by confidence of credit card and method therefore - Google Patents

Abstract

PURPOSE: A system for accumulating conditional credit security points in accordance with an issuing credit of a credit card and a method thereof are provided to embody an additional credit limit of a credit card user in a commercial transaction company registered as a member store of a credit card. CONSTITUTION: A commercial transaction company selling various commodities and services is registered as a member store of a credit card from a credit card managing system. A credit card managing system(2) issues a credit card having a basic credit limit embodied in accordance with a client credit rate and a card using result with respect to a specific credit card issuing objected-user(US) and registers a plurality of commercial transaction companies(10-1,10-2,10-3,10-4) capable of using a predetermined commodity and service using the credit card as member stores of the credit card. The commercial transaction companies(10-1,10-2,10-3,10-4) decide a credit limit embodying to the credit card user(US). A specific commercial transaction company notifies credit security information being embodied a credit limit according to kinds of commodities and services to be sold through a credit security publishing medium by an engagement with a broadcasting system(14), a telephone network managing system(18), or a web managing system(22).

Description

System for reserving credit guarantee point of a conditional state by confidence of credit card and method therefore}

The present invention relates to a conditional credit guarantee point earning system and method according to the credit card issuing credit, and more specifically, to limit the credit limit of the credit card by the commerce activity between the credit card user and the merchant registered as a credit card merchant; In addition to this, the credit limit can be granted according to the deposit amount for the person who is not issued a credit card, and a loan is made based on the reservation reservation based on the cyber money granted for the purchase reservation of a predetermined product. The present invention relates to a conditional credit guarantee point earning system according to credit card issuing credit and a method thereof.

Recently, as the issuance of credit cards is increasing instead of the decrease in the number of transactions using cash, financial transactions using credit cards are rapidly increasing. Accordingly, the issuance of credit cards is proportional to the trend of increasing issuance of credit cards. Defective transactions are also increasing rapidly.

Reflecting the rapid increase in the number of bad credit card transactions, the credit card industry is also increasing the ratio of bad debts and dormant cards that are not used even in the case of credit cards issued at 2.6 sheets per economically active population. The ratio of is also increasing significantly.

Therefore, the immediate problem of the credit card industry is not only to devise measures to reduce the ratio of bad debts of credit cards, but also to develop innovative ways to attract credit card users as loyal customers by reducing the ratio of dormant cards. It is a state.

In addition, in recent years, credit card merchants such as gas stations, travel agencies, and department stores have developed and applied various services and advertising techniques in order to preempt the competition with customers of similar companies. This includes cashback services that allow you to offset some of the payments, or bargain services that sell certain products at discounted prices within a certain period of time, and spend only astronomical amounts on advertising and marketing expenses. It is true.

However, under the current credit card system, in order to reduce bad debts due to bad credit card transactions, the card issuance conditions for the inactive population such as unemployed, students, disabled people, etc. who are not actually engaged in economic activities. While there are measures to limit the issuance, the restriction on the issuance of such a credit card is not only sufficient to restrain potential consumption behaviors of the unissued person, but also overall financial transactions and commerce. There is a problem that there are many possibilities that can hit the market.

In addition, under the current credit card issuance system, there are no breakthroughs that can reduce bad debts and reduce the percentage of dormant cards, making it difficult to continuously attract credit card members. There is a problem that acts as an obstacle to increase.

Moreover, credit card franchises such as gas stations, travel agencies, and department stores have established and utilized various marketing strategies to attract and secure customers, but they are exposed to the limitations of such marketing strategies, which is an innovative way to reform the market leadership. This situation is desperately needed.

Accordingly, the present invention has been made in view of the above-described conventional circumstances, and an object thereof is to provide an additional credit limit for a credit card user in a commerce company registered as a merchant of a credit card. It is to provide a conditional credit guarantee point earning system and method.

Another object of the present invention is a conditional credit guarantee point according to the credit card issuance credit to grant a separate credit limit to the user of the credit card for products or services sold by a commerce company registered as a merchant of the credit card It is to provide an earning system and method.

Still another object of the present invention is to provide a conditional credit guarantee point earning method according to credit card issuing credits, which allows a commerce company to assign a credit limit of a shipping lip method under the condition of signing a purchase agreement for a user of a credit card. will be.

It is still another object of the present invention to provide a conditional credit guarantee point earning method according to credit card issuing credit, which enables a commerce company to assign a credit limit to a user of a credit card in a post-earning manner.

It is still another object of the present invention to provide a conditional credit guarantee point earning method according to credit card issuing credits, which allows a credit card user who has been granted a credit limit in a shipping lip manner to transfer the credit limit to another credit card user. .

Another object of the present invention is to issue a credit card that allows a user to pay a purchase price of a product or service purchased from a commerce company by giving a fixed period of time to a user of a credit card granted a credit limit from a commerce company. It is to provide a conditional credit guarantee points earning method according to the credit.

It is still another object of the present invention to provide a conditional credit guarantee point earning method according to credit card issuing credit, which allows a credit card issuer to receive an interest-free installment service in addition to a credit limit for a product or service sold to a credit card user from a commerce company. To provide.

Another object of the present invention is to provide a conditional credit guarantee point earning method according to the credit card issuing credit to determine the credit guarantee service of the desired credit limit by the auction type two-way transaction between the commerce company and the credit card user. will be.

It is still another object of the present invention to provide a conditional credit guarantee point earning method according to credit card issuing credit, which enables a credit card service of a desired credit limit to be determined by a reverse auction transaction between a commerce company and a credit card user. .

Still another object of the present invention is to provide a conditional credit guarantee point earning method according to credit card issuing credit, which enables a credit card service to determine a desired credit limit by a co-purchase transaction between a commerce company and a credit card user. will be.

Still another object of the present invention is to provide a conditional credit guarantee point earning method according to credit card issuance credit, which allows a credit transaction service of a desired credit limit to be granted by a reverse auction booking transaction between a commerce company and a credit card user. It is.

It is still another object of the present invention to provide a conditional credit guarantee point earning method according to credit card issuing credit, which allows a non-issuing subject who is not classified as a subject of credit card to assign a credit limit variably according to the amount of a deposit deposited in advance. To provide.

Another object of the present invention is to provide a conditional credit guarantee point earning method according to the credit card issuing credit to be given an individual credit limit from the commerce company for the credit card issued to the non-issuing subject.

Still another object of the present invention is to loan a credit card in response to a cyber money granted by a credit card user's online or offline purchase reservation, and use the loan to purchase a product reserved for purchase within a reservation period. It is to provide a conditional credit guarantee points earning method according to the credit card issuance credit.

Still another object of the present invention is to make a reservation for a given credit card merchant by a credit card user, and make a credit card loan corresponding to the cyber money granted according to the purchase reservation, and make a reservation within the purchase reservation period. It provides a conditional credit guarantee point earning method according to the credit card issuing credit to give a credit card user a free gift equivalent to the loan of the credit card provided that the purchased goods.

1 is a view schematically showing an overall credit guarantee information processing system of a conditional credit guarantee point earning system according to a first embodiment of the present invention;

2 is a view showing a state in which a credit limit granted from a commerce company is disclosed by using various information carriers according to the first embodiment of the present invention;

3A to 3C are views exemplarily showing a form in which credit guarantee information is disclosed on various information carriers according to the first preferred embodiment of the present invention;

4 is a view showing the configuration of a conditional credit guarantee point earning system according to the credit card issuance credit according to the first embodiment of the present invention,

5A is a diagram showing an information processing system in which conditional credit guarantee is performed on a credit card by a shipping stand method according to the first preferred embodiment of the present invention;

5B is a diagram showing an information processing system in which conditional credit guarantee is performed on a credit card by a post-establishment method according to the first preferred embodiment of the present invention;

6 is a diagram showing an information processing system for transferring conditional credit guarantee information of a credit card granted by a shipping method according to a first preferred embodiment of the present invention to other credit card users;

FIG. 7 is a diagram illustrating a state in which the transfer of conditional credit guarantee information illustrated in FIG. 6 is performed online;

8 is a diagram illustrating an information processing system in which a deferred repayment service is performed for a credit card user based on conditional credit guarantee information according to a first embodiment of the present invention;

9 is a diagram illustrating a state in which the deferred payment service illustrated in FIG. 8 is performed online;

10 is a diagram showing an information processing system in which an interest-free installment service is provided to a credit card user based on conditional credit guarantee information according to a first embodiment of the present invention;

11 is a view showing the configuration of a conditional credit guarantee point earning system according to the credit card issuance credit according to a second embodiment of the present invention,

12 is a diagram illustrating an information processing system for a condition in which conditional credit guarantee information is concluded by an auction type two-way transaction according to a second preferred embodiment of the present invention;

FIG. 13 is a diagram showing an information processing system for a condition in which conditional credit guarantee information is concluded by a two-way transaction of reverse auction according to a second preferred embodiment of the present invention; FIG.

14 is a diagram showing an information processing system for a condition where conditional credit guarantee information is concluded by a two-way transaction of a joint purchase method according to a second preferred embodiment of the present invention;

FIG. 15 is a diagram illustrating an information processing system for a condition where conditional credit guarantee information is concluded by a reverse auction reservation transaction in accordance with a second preferred embodiment of the present invention; FIG.

16 is a view schematically showing an information processing system of a conditional credit guarantee point earning system according to a third embodiment of the present invention;

17 is a view showing the configuration of a conditional credit guarantee point earning system according to the credit card issuance credit according to a third embodiment of the present invention;

18 is a view showing the overall credit guarantee information processing system for explaining a conditional credit guarantee point earning method according to a fourth embodiment of the present invention;

19 is a view showing a system configuration for explaining a conditional credit guarantee point earning method according to the credit card issuance credit according to a fourth embodiment of the present invention;

20a and 20b is a flowchart for explaining the operation of the conditional credit guarantee point earning method according to the credit card issuance credit according to a preferred embodiment of the present invention,

FIG. 21 is a diagram illustrating a processing system of credit guarantee information for explaining a conditional credit guarantee point earning method according to a fifth embodiment of the present invention; FIG.

22 is a diagram showing a system configuration for explaining a conditional credit guarantee point earning method according to the credit card issuance credit according to a fifth embodiment of the present invention;

23 is a flowchart illustrating the operation of the conditional credit guarantee point earning method according to the credit card issuance credit according to a preferred embodiment of the present invention.

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

10: commerce vendor, 30: credit card inquiry terminal,

32: value added network server, 34: credit card management server,

36,38: Information database, 40: Credit authentication server,

41: computer terminal for network, 42: web server,

44: wired telephone terminal, 46: public telephone exchange,

48: mobile communication terminal, 40: wireless communication switchboard.

According to the system according to an embodiment of the present invention to achieve the above object, using a credit card given a certain amount of the total credit limit, a credit card for purchasing payment for products or services sold by a number of commerce companies A payment system, comprising: a disclosure medium means for displaying credit guarantee information to a user of a credit card for granting an additional credit limit on the condition of purchasing a product or service sold by a plurality of commerce companies using a credit card; A credit limit agreement processing means for performing a purchase agreement and a payment process to allow a predetermined product or service to which the credit limit is granted to be purchased using a credit card, and to give the credit card an agreed credit limit; Grant of credit limit in response to a purchase agreement request of the credit limit agreement processing means Value-added communication means for notifying a person and performing a purchase settlement process using the total credit limit of the credit card and the added credit limit in response to a purchase settlement request of the credit limit agreement processing means for a product or service to which a credit limit has been granted; And, in the state of issuing a credit card to which a basic total credit limit is granted, determining a credit limit for each commerce company and a specific product or service, and granting and granting a credit limit through the value-added communication means. Provided is a conditional credit guarantee point earning system according to the credit card issuance credit consisting of credit card management means for managing the purchase and payment processing of products or services granted credit limit using the credit card.

According to the method according to an embodiment of the present invention to achieve the above object, using a credit card given a certain amount of the total credit limit, a credit card for the purchase payment for products or services sold by a number of commerce companies In the payment method, the plurality of commerce companies to disclose credit guarantee information including the credit limit and a predetermined contract period determined for the product or service to be sold through the announcement medium, and the user of the credit card Signing a purchase agreement for a product or service desired to be purchased by the commerce company as a result of the inquiry; the credit guarantee information and the credit card user who entered into the credit card management system at the commerce company The information determined by the notification of the information and the purchase agreement based on the credit guarantee information. In the case of payment for a product or service that has been purchased within a period of time, a credit card issuance is made to grant a contracted credit limit for the product or service so that the purchase processing using the credit card of the credit card user is performed. A method of earning conditional credit guarantee points based on credit is provided.

According to a method according to another example of the present invention to achieve the above object, a credit for performing a purchase payment for a product or service sold by a plurality of commerce companies using a credit card given a certain amount of total credit limit In the card payment method, the plurality of commerce companies to disclose credit guarantee information including the credit limit determined for the product or service to be sold through the announcement medium, and the user of the credit card, the result of the inquiry of the announcement medium By using the credit card to purchase a product or service that you want to purchase for the commerce company by receiving an additional credit limit promised for the product or service, the commerce company guarantees the credit card to the management system of the credit card. Information and information about the user of the credit card on which the purchase was made. Credit card issuing credit, characterized in that consisting of the step of claiming the card payment for the product or service purchased by receiving the credit limit added by the credit card management system, and paying the payment to the commerce company; According to the conditional credit guarantee points earning method is provided.

According to a method according to another embodiment of the present invention to achieve the above object, in the first credit card merchant to perform the registration of the purchase reservation target product to the purchase reservation management server on the information communication network through the information communication terminal online Registering online at the second credit card merchant as a gratuitous company of the free gift presented in accordance with the purchase reservation with respect to the purchase reservation management server on the information communication network through the information communication terminal, and at the purchase reservation management server, the first credit card affiliate store Determining the amount of cyber money for the purchase reservation target product registered by and transmitting the information of the purchase reservation target product to the information communication terminal of the credit card user connected online through the information communication network, the online disclosure; If the credit card user's telecommunications terminal applies for a reservation to purchase a particular product, Signing a purchase reservation agreement by exchanging information through an information communication network between an information communication terminal of a credit card user and a purchase reservation management server, and the information communication terminals of the first and second credit card affiliate stores in the purchase reservation management server; Notifying the contract of purchase reservation to the credit card management server, and applying for a loan of an amount corresponding to the amount of cyber money given to the product reserved for purchase to the credit card management server, and applying the loan money received from the credit card management server to the second credit. Paying the card merchant online, receiving a predetermined margin rate for the purchase reservation product from the first credit card merchant, and the credit card user receiving a free gift from the second credit card merchant, and making a reservation The first credit card provided that the purchased product is purchased using a credit card within the reservation period. Provide a conditional credit guarantee point earning method according to the credit card issuing credit consisting of repaying the principal and interest of the loan to the credit card management server within the purchase reservation period by using a certain margin rate amount of the purchase reservation product received from the merchant. do.

Hereinafter, a first embodiment of the present invention configured as described above will be described in detail with reference to the accompanying drawings.

That is, FIG. 1 is a diagram schematically showing the overall credit guarantee information processing system of the conditional credit guarantee point earning system according to the first embodiment of the present invention.

As shown in FIG. 1, according to the first embodiment of the present invention, a commerce company that sells various products or services is registered as a merchant of a credit card by a credit card management system, for each type of product or service to be sold. Credit guarantee information with credit limits will be disclosed through the credit guarantee disclosure media.

The credit guarantee disclosure medium may be, for example, a land medium such as a newspaper or a magazine, a telecommunication medium such as an air / wired broadcasting medium such as television broadcasting, VOD broadcasting, or radio broadcasting, a public telephone network or a wireless mobile communication network, and the like. It consists of a wired / wireless online communication medium utilizing a mobile communication medium, a wired / wireless internet communication network, and the like, and publishes contents of credit guarantee information published by the commerce company for a plurality of credit card users.

Here, it is preferable that the credit guarantee information disclosed through the various credit guarantee disclosure media be disclosed in the form of multimedia information such as text, voice, graphics, and video.

On the other hand, a credit card user obtains credit guarantee information of a given commerce company from a credit guarantee disclosure medium and requests the addition of a credit limit to the commerce company using the credit guarantee disclosure medium (ie, an internet communication network or a public telephone network). .

In addition, the credit card user directly contacts a commerce company that has disclosed credit guarantee information by the credit guarantee disclosure medium, and purchases a product or service sold by the commerce company using a credit card. In exchange for purchasing a product or service, an individual credit limit committed to the product or service is assigned to the credit card user's credit card.

The commerce company performs payment processing of the credit card using the credit limit added to the credit card management system while assigning a credit limit to the user of the credit card, and credits a certain percentage of the credit deposit against the credit limit. Payments are made to financial institutions (eg banks) managed by the system.

Herein, the credit guarantee amount is determined as a certain ratio such as 20% of the total amount of the credit limit generated in the process of transacting a predetermined product or service with a credit card user in the commerce company. From the standpoint, the credit guarantee can be used as a margin to prevent bad debts caused by bad credit card users' transactions.

On the other hand, in the credit card management system, in addition to the credit deposit corresponding to a certain percentage (eg, 20%) of the credit limit granted to a specific product or service from the commerce company, the credit guarantee amount is excluded (20%). It is possible to impose a credit premium on the remaining credit limit amount (80%) as a safeguard of bad debts, and to receive a predetermined amount of credit premiums along with a credit guarantee from the commerce company.

Accordingly, in the case of the commerce company, the credit card management system receives payment of the remaining credit card, excluding credit guarantees, credit premiums and card fees, in a state in which a credit limit is sold to a predetermined product or service.

Then, the credit card management system charges the payment amount of the state in which the credit limit granted by the commerce company is increased when the payment request date of the card amount promised for the credit card user has elapsed.

In the first embodiment of the present invention described above, the credit card issued before the system of the present invention is applied is a schedule for the remaining amount of the credit amount deducting the basic credit limit corresponding to the issuance criteria of the credit card to which the system of the present invention is applied. In the case of depositing a percentage (e.g. 20%) with a deposit, it is desirable to accept the total credit limit for an existing credit card as is to apply the system of the present invention.

2 is a view showing a state in which a credit limit granted from a commerce company is disclosed using various information carriers according to the first embodiment of the present invention.

As shown in FIG. 2, according to the present invention, the credit card management system 2 includes a credit card having a basic credit limit granted according to a customer credit rating and a card usage performance for a user US subject to a specific credit card issuance. CD) and a plurality of commerce companies (10-1, 10-2, 10-3, 10-4) that can use a predetermined product or service using the credit card (CD). You will be registered as a merchant.

The plurality of commerce companies (10-1, 10-2, 10-3, 10-4) is registered with the credit card management system 2 and the transaction merchant of the credit card, each of the various products to be sold or For each service, a credit limit to be granted to a user (US) of a credit card is determined. A specific commerce company 10-1 may use a product or service for sale on a ground medium 12 such as, for example, a newspaper or a magazine. We will post credit guarantee information offline, including credit limits for.

Here, the credit guarantee information requested by the specific commerce company 10-1 and published through the ground medium 12 is a product or service sold by a predetermined commerce company (eg, a tailor's shop), as shown in FIG. 3A. Price information, such as suits and shirts, and credit limits and credit guarantee methods (such as shipping or post-loading) are posted, and the credit limit is subject to agreement with the credit card management system (2). It is desirable to make a decision.

In addition, among a plurality of commerce companies (10-1, 10-2, 10-3, 10-4), a specific commerce company (10-2) is sold for the purpose of sale under a separate agreement with the broadcast system 14 The broadcast content of credit guarantee information including the credit limit determined for the product or service to be disclosed is disclosed through a broadcast medium such as, for example, the television 16.

Here, as shown in FIG. 3B, the credit guarantee information disclosed through a broadcast debt such as the television 16 at the request of the specific commerce company 10-2 is provided with a company name and a credit limit. The name, price information, credit limit, and credit guarantee method are published so that they can be viewed visually and audibly through a broadcasting medium. The credit guarantee information disclosed through the television 16 is separately allocated in a television broadcast. It is possible to disclose in the form of commercials or advertising programs, and credit guarantee information is transmitted from the broadcasting system 14 in the form of caption information, and in the form of On Screen Display (OSD) information. Do.

On the other hand, when the television as a broadcasting medium for the disclosure of the credit guarantee information is a VOD (Video On Demand) interactive television which can exchange information in both directions, The purchase of a product or service is possible, and the broadcasting system side of the interactive television can be connected to the credit card management system 2 to make a contract for credit guarantee information and purchase payment processing using a credit card.

In addition, among the plurality of commerce companies (10-1, 10-2, 10-3, 10-4), a specific commerce company (10-3) through a public telephone network under a separate agreement with the telephone network management system 18 By using a voice / text communication medium such as a landline telephone terminal 20 which can be used by a credit card user US, a credit limit determined for each product or service for sale is disclosed.

Further, among the plurality of commerce companies 10-1, 10-2, 10-3, and 10-4, a specific commerce company 10-4 establishes an internet communication network by a separate agreement with the web management system 22. Through the information communication medium such as the network computer terminal 24 available to the credit card user (US) through the disclosure of the determined credit limit for the product or service to be sold in the form of online Internet web information, Purchase agreements for products or services granted that published credit limit will be made online.

Here, the plurality of commerce companies (10-1, 10-2, 10-3, 10-4) has a credit limit determined for a predetermined product or service to be sold through a wireless internet communication network as well as a wired internet communication network. The disclosure of credit limit disclosure provided by a commerce company can be inquired by a user (US) of a credit card using a mobile communication terminal with internet access.

In addition, the credit guarantee information published on the Internet communication network by the request of the specific commerce company 10-4, as shown in Figure 3c, the Internet web browser program of the network computer terminal 24 is executed The company name, product name or service name, price information, credit limit, and credit guarantee method are displayed through the Internet web browser screen, and a registration input button 52 is provided for a purchase agreement for each product or service.

In the web management system 22, if a registration input button 52 for a purchase agreement for a predetermined product or service is input by the credit card user US in the network computer terminal 24, the registration is performed. Receives the input information according to the operation of the input button 52, and requests the network computer terminal 24 to input the card information (that is, the card number and the resident registration number of the credit card user) of the credit card (CD) When the card information is received, the commerce company 10-4 is notified online of the agreement status of the credit limit.

In FIG. 3C, the web management system may further add a function of inquiring detailed information about various products or services published by a plurality of commerce companies, and if more detailed information is desired from such detailed information, It is possible to send e-mail information or detailed information by mail to the corresponding credit card user.

On the other hand, a predetermined product or service disclosed in the form of an Internet web document on the Internet communication network, such as by the type, characteristics, price, region, sales target gender, age, credit guarantee agreement frequency, etc. It is possible to sort and search by category.

Here, it is preferable that the website of the web management system 22 is linked with the website of the commerce company which has disclosed the credit limit.

In this figure, the credit card user US is a particular media medium 12, a broadcasting medium such as a television 16, a voice / text communication medium such as a landline telephone terminal 20, and a network computer terminal 24. As a result of inquiring the disclosure of the credit limit for each product or service provided by the plurality of commerce companies (10-1, 10-2, 10-3, 10-4) using a communication medium, such as a specific product or If a credit limit is given to a service, a credit limit may be granted while purchasing a specific product or service using the wireline telephone terminal 20 and the network computer terminal 24.

Among the commerce companies 10-1, 10-2, 10-3, and 10-4, the credit card is disclosed by the commerce companies 10-3 and 10-4, which discloses a credit limit through a public telephone network and an internet communication network. Receives a purchase request for a specific product or service from a user US and connects to the credit card management system 2 to perform a purchase settlement process using a credit card (CD) of the credit card user US. In addition, the credit card user (US) of the credit card (CD) will be given a contracted credit limit.

In addition, the commerce companies 10-3 and 10-4 provide the credit limit to the credit card management system 2 in exchange for assigning a credit limit to the credit card CD of the credit card user US. A certain percentage of the credit guarantee will be paid.

4 is a view showing the configuration of a conditional credit guarantee point earning system according to the credit card issuance credit according to the first embodiment of the present invention.

As shown in FIG. 4, in the conditional credit guarantee point earning system according to the first embodiment of the present invention, a credit card inquiry terminal 30 installed in a commerce company 10 registered as a merchant of a credit card, Value-added network server 32, credit card management server 34, member information database 36, credit guarantee information database 38, credit authentication server 40, network computer terminal 41, web server 42 And a wired telephone terminal 44, a public telephone exchange 46, a mobile communication terminal 48, and a wireless communication exchange 50.

In the same figure, the credit card inquiry terminal 30 provides a credit card (CD) for a product or service for which a credit card user (US) visiting the commerce company 10 intends to grant a credit limit at the commerce company 10. In the case of purchasing using the credit card, the credit authentication server 40 is connected to the credit authentication server 40 through a value-added communication network (ie, a VAN network) to perform a purchase and payment process for a specific product or service, and the credit card management server 34 stores the credit. You will be asked to grant a certain amount of credit to your card.

The value-added network server 32 is connected to a credit card inquiry terminal 30 installed in the commerce company 10 through a value-added communication network and purchases a payment process for a product or service to be purchased using the credit card (CD). And the credit limit granting request information from the credit card inquiry terminal 30 is transmitted to the credit card management server 34 to receive a credit limit grant approval, and the credit limit grant approval information is displayed. The terminal 30 is notified.

Here, the value-added network server 32 is connected to the web server 42, the public telephone exchange 46 and the wireless communication switch 50, respectively, so that the credit card user US is connected to the internet communication network and the public telephone network. And when a request for payment of a predetermined product or service through a wireless communication network, the payment processing for the credit card (CD) is applied, and the credit limit grant request information for the credit card (CD) The credit limit is granted to the credit card management server 34 to receive the grant of the credit limit, and the credit limit grant is transmitted through the web server 42, the public telephone exchange 46, and the wireless communication exchange 50. The user US of the credit card is notified.

When the commerce company 10 receives the approval of the credit limit from the credit card management server 34 through the credit card inquiry terminal 30, the commerce company 10 applies the amount of credit limit granted to the credit card CD. A certain percentage of the credit guarantee deposit to the credit card management server 34.

The credit card management server 34 performs transaction approval for the card payment matters requested from the credit card inquiry terminal 30 through the value added network server 32, and credits the credit card inquiry terminal 30. According to the limit granting request, a separate credit limit of a predetermined amount with the commerce company 10 is assigned to the credit card (CD) on which the card payment is made.

That is, in the credit card management server 34, the total credit limit (paid, installment, cash service, card service) of the card member calculated based on the credit card user's credit score and the credit card user's performance with respect to the credit card CD. Apart from the total combined amount of the overseas use amount), the additional credit limit granted by the commerce company 10 is applied.

In the figure, the member information database 36 stores member information of a credit card user (US) who has issued a credit card (CD), and personal information of each member such as individual credit rating, card usage performance, and the like. The credit guarantee information database 38 includes contract information related to a credit guarantee service, including a credit limit granted to a credit card user US from the commerce company 10, and a product or a product on which a credit guarantee service is applied for purchase or Information about the purchase price of the service is stored.

In addition, the credit authentication server 40 is connected to a number of financial institutions (for example, banks) online, payment processing for credit deposits paid from the commerce company 10, and from the commerce company 10 The payment process of the credit card charges paid from the credit card user (US), which performs the payment of the purchased product or service through the credit card (CD).

In addition, the network computer terminal 41 is connected to the web server 42 through an internet communication network to query the credit limit content for each product or service published in the form of an Internet web document by the commerce company 10, Payment for a certain product or service desired to be purchased is performed using the credit card (CD), and a credit limit for the product or service for which the purchase is made is given online.

The web server 42 provides the contents of the disclosure of the credit limit for each specific product or service disclosed by the commerce company 10 in the form of an Internet web document, and also provides online access of the products or services for which the credit limit is disclosed. Having a website associated with a software solution for electronic commerce management that can be purchased, it is connected to the network computer terminal 41 through an internet communication network, and credits for a product or service designated by the credit card user US. The purchase settlement process using a card (CD) is performed under the management of the value added network server 32, and the credit card management server 34 is executed by performing a request for granting a contracted credit limit for a product or service for which a purchase settlement has been made. You will receive approval from the credit limit.

In the figure, the wired telephone terminal 44 is connected to a public telephone switchboard 46 through a public telephone network, and to a product or service that the credit card user US wants to purchase through an automatic voice guidance system (ARS). The credit card user US may be notified of the approval of granting a contracted credit limit for the product or service in which the purchase payment was made.

The public telephone exchange 46 is connected to the landline telephone terminal 44 through a public telephone network, and uses a voice automatic guidance system (ARS) for a product or service to which a credit limit is granted from the commerce company 10. Announces the announcement by voice, performs the payment process for the product or service that the credit card user US wants to purchase through the value-added network server 32, and for the product or service for which the purchase payment process has been made. The grant of the approved credit limit is received from the credit card management server 34 to guide the wired telephone terminal 44 by voice.

In addition, the mobile communication terminal 48 is connected to the wireless communication exchange 50 through a wireless communication network, the credit card user (US) is a voice automatic guidance function for the purchase payment for the product or service desired to purchase Alternatively, a text information service function is performed, and the credit card user US is notified to the credit card user US in the form of voice or text by receiving the grant approval information of the contracted credit limit for the product or service in which the purchase is made.

The wireless communication switch 50 is connected to the mobile communication terminal 48 through a wireless communication network, and the product is announced by the commerce company 10 using an automatic voice guidance system (ARS) or text information guide system or The announcement of the credit limit of the service is provided by voice or in the form of text information, and the credit card user US purchases payment processing for the product or service that the user wants to purchase. In addition to performing the connection with the control unit), a credit limit grant approval is granted from the credit card management server 34 for a product or service for which a purchase settlement process is performed, and a voice guidance message or text information is transmitted to the mobile communication terminal 48. You will be notified in the form of.

Here, the mobile communication terminal 48 adds a wireless Internet access function and purchases a payment for a product or service that the credit card user US wants to purchase using a credit card (CD) through a wireless internet communication network. In addition to enabling processing, it is also possible to perform approval through the wireless Internet communication network to grant a contracted credit limit for the product or service for which the purchase processing has been performed.

FIG. 5A is a diagram showing an information processing system in which conditional credit guarantee is performed on a credit card by a shipping stand method according to the first preferred embodiment of the present invention.

As shown in FIG. 5A, according to the shipping establishment method in the conditional credit guarantee point earning system according to the first embodiment of the present invention, at a predetermined commerce company 10 registered as a credit card affiliated store from a credit card management system. The credit card user (US) uses price information, credit limit, and public announcement information for the term of the sale of products or services by using various information media such as paper, broadcasting, voice / text communication or information communication media. (F10).

Accordingly, the credit card user (US) inquires the disclosure contents of the commerce company 10 through various information media, visits the commerce company 10 directly, or uses the network computer terminal 41 on the Internet. The purchase agreement for the product or service desired to be purchased using the information communication or wired telephone terminal 44 and the mobile communication terminal 48 is concluded with the commerce company 10 (F11).

In this state, the commerce company 10 accesses the value-added network server 32 through the value-added communication network using the credit card inquiry terminal 30, or accesses the web server 42 on the Internet communication network by operating a computer terminal. The credit card management server 34 informs the credit card management server 34 of the amount of the credit limit to which the credit guarantee is committed, the number of the credit card user US who made the purchase agreement, the card information of the credit card (CD), and the term of the contract. (F12).

Accordingly, the credit card management server 34, the credit limit amount received from the commerce company 10, the number of credit card users (US) of the purchase agreement, card information, information of the term of the credit guarantee information database Stored at 38.

At this time, the commerce company 10 delivers a certain percentage of the credit guarantee amount to the credit card management server 34 of the credit card management system through the credit authentication server 40 in the credit limit given by the purchase agreement. (F13)

On the other hand, if the credit card user (US) purchases a product or service that has been agreed to purchase using a credit card (CD) before the contract period concluded with the commerce company 10 (F14), the commerce company ( In 10), the credit card inquiry terminal 30 is used to access the value-added network server 32 to perform a card payment process, and to receive approval of a contracted credit limit for a product or service for which a payment has been made ( F15).

Accordingly, in the credit card management system, when the card payment request period for the credit card user US elapses, the credit card user US applies the card payment amount applied to the additional credit limit granted by the commerce company 10. (F16), and pays the remaining amount of the card fee from the payment for the product or service purchased by the credit card user US to the commerce company 10 (F17).

However, when the credit card user US does not purchase a product or service that has agreed to purchase even after a contract period with the commerce company 10, the credit card management server 34 is a credit guarantee information database. (38), the credit card user (US) who failed to comply with the purchase agreement is applied to claim the reimbursement amount of the credit deposit paid by the commerce company 10 (F18).

In this state, the credit card management server 34 connects to the credit authentication server 40 and refunds the credit deposit through the deposit account transacted by the commerce company 10 (F19).

For example, if the commerce company 10 selling clothing is informed that the clothing product having a price of 100,000 won is to be granted a credit limit of 10,000 won for a one-month contract period, the credit card user (US) When the purchase agreement for the apparel product is concluded, the commerce company 10 pays 2,000 won, which is 20% of the credit limit of 10,000 won, to the credit card management system as a credit deposit. At the same time as the deposit is paid, a credit limit of 10,000 won is imposed on the credit card CD of the credit card user US.

In the above state, if the credit card user (US) does not purchase the clothing products agreed to purchase within the contract period, the credit card management system refunds the credit guarantee of 2,000 won to the commerce company (10) Instead, a charge is made to the credit card user US to reimburse the refunded credit deposit of 2,000 won.

FIG. 5B is a diagram showing an information processing system in which conditional credit guarantee is performed on a credit card by a post-establishment method according to the first preferred embodiment of the present invention.

As shown in FIG. 5B, according to the post-establishment method in the conditional credit guarantee point earning system according to the first embodiment of the present invention, at a predetermined commerce company 10 registered as a credit card affiliated store from a credit card management system Disclosure of price and credit limit information on products or services sold to credit card users (US) by using various information media such as media, broadcast media, voice / text communications media or information communications media. (F20).

In this state, the credit card user US inquires the disclosure contents of the commerce company 10 through various information media, and then visits the commerce company 10 directly, or visits the network computer terminal 41. Using the Internet information communication or wired telephone terminal 44 and the mobile communication terminal 48 used to purchase the product or service desired to purchase (F22).

Accordingly, the commerce company 10 accesses the value-added network server 32 by using the credit card inquiry terminal 30 and applies the credit card CD to the product or service purchased by the credit card user US. The purchase settlement process is performed (F23).

Meanwhile, the credit card user US connects to an internet communication network using a network computer terminal 41, or uses a wired telephone terminal 44 or a mobile communication terminal 48 for a product or service desired to be purchased. In the case of directly performing the purchase settlement process, the credit card management server 34 receives the result of the purchase settlement process through the value-added network server 32, and the commerce company 10 commits to the credit card (CD). You will be given a credit line.

Accordingly, in the credit card management system, the credit card user US charges a card usage fee for a product or service sold by the commerce company 10 (F24), and the credit card user US ), The payment is made to the credit card bill (F25).

Accordingly, in the credit card management system, a credit guarantee (that is, an amount corresponding to a certain percentage of the credit limit) and a card fee to be paid by the commerce company 10 with respect to the amount paid by the credit card user US are included. The rest of the payment is paid to the commerce company 10 (F26).

In the credit-bearing point earning system of the post-appointment method as described above, for example, when the commerce company selling the digital camera gives a credit limit of 50,000 won to the digital camera having a price of 400,000 won, When a credit card user (US) purchases a digital camera using a credit card (CD), the credit card management system gives an additional credit limit of 50,000 won to the credit card (CD). The amount of the credit limit and the credit card fee of 10,000 won, which corresponds to the ratio of 20% of the credit limit, will be paid to the commerce company 10.

Next, FIG. 6 is a diagram showing an information processing system for transferring conditional credit guarantee information of a credit card granted by a shipping method according to a first preferred embodiment of the present invention to other credit card users.

As shown in Figure 6, according to the transfer information processing system in the conditional credit guarantee point earning system according to the first embodiment of the present invention, the first credit card user is a commercial commerce company specified by the credit guarantee service (10) and with a credit guarantee agreement to purchase a certain product or service within a predetermined agreement period (F30), if, due to personal circumstances, it is not expected to purchase the agreed product or service within that agreement period. In addition, the first credit card user transfers the right to purchase a product or service to a second second credit card user using a credit guarantee transfer processing system.

Here, the credit guarantee transfer processing system is a transfer program software embedded in the credit card inquiry terminal 30 held by the commerce company 10, or the credit guarantee disclosure website of the web server 42 and It includes both the transfer software software associated with the transfer, the voice automatic guidance system (ARS) of the public telephone exchange 46 and the wireless communication exchange 50, or the transfer software program associated with the text information system.

The first credit card user connects with the credit guarantee transfer processing system through the credit card inquiry terminal 30, the network computer terminal 41, the wired telephone terminal 44, or the mobile communication terminal 48, and transfers the transfer information. In addition to the personal information about the second credit card user to transfer the right to purchase a particular product or service with a commercial credit guarantee agreement with the commerce company 10 in advance, the credit possessed by the second credit card user Card information of the card is input (F31).

When the first credit card user accesses the web server 42 on the Internet communication network using the network computer terminal 41, the credit guarantee disclosure web of the web server 42 as shown in FIG. When you are connected to the site and specify a product or service for the business to be transferred, credit guarantee information for the product or service (i.e. the name of the commerce company, the name of the product or service, pricing, credit limit, term of contract) The published web document is formed, and on the web document, the name and card number of the assignee and the name and card number of the assignee can be entered.

However, in FIG. 7, the first credit card user having the qualification of the assignor and the second credit card user having the qualification of the assignee are pre-assigned unique codes used for the transfer and the transfer from the credit card management system. In order to perform the procedures of and transfer normally, the unique code of the assignor and assignee must be entered.

Accordingly, the credit guarantee transfer processing system notifies the transfer status of the credit guarantee information performed to the first credit card user (F32).

At this time, the credit guarantee transfer processing system, in addition to the credit guarantee information of the product or service that the first credit card user has promised to purchase, personal information, card information and unique code of the assignor and assignee to the credit card management system. While providing the approval of the transfer process, the information related to the transfer process is also provided to the commerce company 10 that has entered into a purchase agreement with the first credit card user (F33).

On the other hand, when the first credit card user transfers the terms of credit guarantee information to a specific second credit card user or an unspecified number of credit card users while a purchase agreement is made with a predetermined commerce company, the commerce company The credit limit determined by will be added to the total credit limit already granted to the first credit card user's credit card plus any limit amount (i.e., the credit limit of the commerce company + the partial credit limit of the credit card). It is advisable to make the disclosure available through the credit guarantee transfer system.

8 is a diagram illustrating an information processing system in which a deferred repayment service is performed for a credit card user based on conditional credit guarantee information according to a first embodiment of the present invention.

As shown in FIG. 8, according to the deferred repayment service in the conditional credit guarantee point earning system according to the first embodiment of the present invention, at a predetermined commerce company 10 registered as a credit card affiliated store from a credit card management system The credit card user (US) uses price information and credit limit and disclosure information on the products or services to be sold by using various information media such as paper, broadcasting, voice / text communication or information communication. Will be announced to.

Accordingly, the credit card user US designates a specific product or service in a state in which credit guarantee information published through various information media is inquired, and sells the specific product or service sold by the commerce company 10 to the credit card ( CD) to purchase (F41), the commerce company 10 operates the credit card inquiry terminal 30 to purchase a predetermined product or service by the credit card (CD) of the credit card user (US) The payment process is performed (F42).

In this state, the commerce company 10 receives the approval of the credit limit and the deferred term for the product or service for which the purchase is made from the credit card management system, and the credit limit is provided to the credit card user US. And a given period of fermentation (F40).

Herein, when the commerce company 10 publishes credit guarantee information in the form of an Internet web document on a website built on the web server 42, the commerce company name, a product or service name as shown in FIG. 9. , The disclosure of price information, credit limit, credit guarantee method, and a registration input button 52 for requesting a registration input for each product or service, and information on the deferred period determined for each product or service. Will be disclosed.

Accordingly, the credit card user US accesses a website established on the web server 42 through an internet communication network using the computer terminal 41 for a network, and inquires the credit guarantee information published on the web document. A product or service having a desired shelf life is registered by the operation of the registration input button 52, and the purchase payment of the product or service is performed online using the credit card (CD).

At this time, the web server 42, if the credit card user (US) using the network computer terminal 41 to perform the purchase payment processing of a predetermined product or service, without going through the commerce company (10) The credit card management server 34 is connected to the credit card management server 34 through the value added network server 32 to receive a purchase settlement process using a credit card (CD), and a credit limit and a grant period.

On the other hand, the credit card management server 34, if the purchase payment processing, the credit limit and the period of approval granted for the predetermined product or service through the web server 42, the purchase processing information and credit guarantee accordingly The commerce company 10 is notified of the approval status of the information.

Next, the commerce company 10 pays the card interest for a predetermined product or service generated from the credit card management system during the deferred period granted to the credit card user US (F43).

On the other hand, in the credit card management system, when the deferred term contracted by the commerce company 10 has elapsed, a payment price for a product or service purchased through the commerce company 10 to the credit card user US and The card fee is charged, and the payment amount and the card fee charged from the credit card user US are paid (F44).

Accordingly, in the credit card management system, after the elapsed period of time, the credit card fee is paid to the commerce company 10 (F45).

FIG. 10 is a diagram illustrating an information processing system in which an interest-free installment service is provided to a credit card user based on conditional credit guarantee information according to a first embodiment of the present invention.

As shown in FIG. 10, according to the interest-free installment service in the conditional credit guarantee point earning system according to the first embodiment of the present invention, a predetermined commerce company 10 registered as a credit card affiliated store from a credit card management system is provided. The credit card user (US) can use price information and credit limit and interest-free payment period information on products or services to sell using various information media such as paper, broadcast, voice / text communication or information communication media. ).

Accordingly, the credit card user US inquires the credit guarantee information published by a predetermined commerce company 10 using various media, and then visits the commerce company 10 directly to the credit card inquiry terminal 30. Through the payment processing of a predetermined product or service using a credit card (CD), or through the network computer terminal 41, a wired telephone terminal 44 or a mobile communication terminal 48, the commerce company 10 Purchasing a predetermined product or service without direct contact with the customer (F51).

Accordingly, the commerce company 10 performs a purchase payment processing of a predetermined product or service using the credit card CD of the credit card user US through the credit card inquiry terminal 30 (F52). With the approval of the credit card management system, the credit limit and interest-free installment period are granted to the credit card user US (F50).

In addition, the credit card user US accesses a web site established on the web server 42 through the network computer terminal 41 without directly contacting the commerce company 10 to access the credit card CD. In the case where the purchase payment processing is performed or the purchase payment processing of the corresponding product or service is performed through the wired telephone terminal 44 or the mobile communication terminal 48, the credit card management system uses the credit for the purchase payment processing. The credit limit and the interest-free installment period are granted to the card CD, and the commerce company 10 is notified of the approval status of the purchase processing information and the credit guarantee information.

Next, the commerce company 10 pays the installment card interest generated from the credit card management system to the credit card user US during the interest-free installment period (F53).

On the other hand, the credit card management system bills the credit card user US only the card principal excluding the installment card interest in the payment for the product or service purchased from the commerce company 10, the credit card user ( US) will only process the card principal of the payment (F54).

Accordingly, the credit card management system pays the remaining amount of the card fee to the commerce company 10 (F55).

On the other hand, in the first embodiment of the present invention made as described above, in addition to the deferred repayment method and the interest-free installment service method, it is possible to operate a separate specific date-specific additional service called "Shopping Day service". In this specific date-specific supplementary service, the merchant or credit card management system sets a specific date (for example, 10 days per month) or a specific day of the week (for example, every Thursday) so that the credit card user can If you purchase a product or service published by a commerce company using a card, you can give it higher than the contracted credit limit.

That is, when the commerce company discloses a credit limit for a predetermined product or service to be sold through various information carriers, it specifies a specific date or day and sets a special credit limit higher than the published default credit limit (eg, basic credit). In case the limit is 10,000 won, a special credit limit is set to 20,000 won), and the credit card management system allows the credit card user to use the credit card inquiry terminal 30 of the commerce company 30 on a predetermined date or day. If a user purchases a predetermined product or service using a network computer terminal 41, a wired telephone terminal 44, or a mobile communication terminal 48, a purchase agreement is made, a special credit limit for the purchase can be given. Make sure

On the other hand, in the case of the "shopping day service", the first method for increasing and applying the credit limit imposed by the commerce company on a specific day or date determined by the credit card management system, and a specific credit card user determines a specific day or date. By notifying the credit card management system, the credit card management system is divided into a second method of increasing and applying a credit limit imposed by a predetermined commerce company on a predetermined date.

In the case of the first method, all credit card users who have received a credit card from the credit card management system are targeted, whereas in the second method, a 1: 1 service between a specific credit card user and the credit card management system is provided. It is done.

In addition, such a so-called "shopping day service" is that it is possible to earn an additional credit limit on a specific date specified by the merchant or the merchant registered as a personal anniversary of the credit card user. If you use a credit card to purchase a product or service that has published a credit guarantee, the credit card management system may impose a certain additional amount in the name of the so-called "plus points" in addition to the additional credit limit imposed by the commerce company. It is possible to do

The granting of these additional "plus points" is desirable to allow for the specification of specific products or services published on various information carriers.

Thus, the credit card user can purchase and purchase a desired product or service with a credit limit increased by a special credit limit.

Next, a second embodiment of the present invention will be described in detail with reference to the accompanying drawings.

That is, Figure 11 is a view showing the configuration of a conditional credit guarantee point earning system according to the credit card issuance credit according to a second embodiment of the present invention.

As shown in Fig. 11, the conditional credit guarantee point accumulation system according to the second embodiment of the present invention is operated by credit card users US1 to USn each having a plurality of credit cards CD1 to CDn. Multiple user network computer terminals (COM1-1 to COM1-n), multiple enterprise network computer terminals (COM2-1 to COM2-n) operated by multiple commerce companies, and credit guarantee websites 62 It consists of a web management server 60, a value-added network server 64, and a credit card management server (66).

In the figure, the plurality of user network computer terminals COM1-1 to COM1-n are connected to a communication connection device such as a modem and a LAN card to enable exchange of Internet web information through an internet communication network, Built-in dedicated web browser program for inquiry, access the credit guarantee website 62 of the web management server 60 to interactively display credit guarantee information for various products or services published by a number of commerce companies Information exchange is performed to compete with the conditions of each commerce company by competing with the auction method, the reverse auction method, and the joint reservation auction method.

Here, the plurality of user network computer terminals (COM1-1 to COM1-n) receive bids for credit guarantee information that meets the conditions of a specific commerce company through an interactive auction method, a reverse auction method, and a joint reservation auction method. If so, a predetermined product or service to which the successful credit guarantee information is given can be purchased through the credit guarantee website 62 of the web management server 60.

In addition, the plurality of enterprise network computer terminals (COM2-1 to COM2-n), the communication connection device, such as a modem and LAN card for enabling the exchange of Internet web information through the Internet communication network, and the inquiry of the Internet web document The built-in web browser program for the built-in, access the credit guarantee website 62 of the web management server 60 to obtain credit guarantee information for determining the credit limit for various products or services to be sold by the commerce company Disclosure of the credit card user (US1 to USn), and to conduct a two-way auction, reverse auction, joint booking auction method to form a matching condition for the credit guarantee information Exchange information to

In addition, the web management server 60 publishes the disclosure contents of the credit guarantee information published by a plurality of commerce companies in the form of a web document on the credit guarantee website 62, and the credit guarantee website 62. Negotiation between the plurality of user network computer terminals (COM1-1 to COM1-n) and business network computer terminals (COM2-1 to COM2-n) through the auction method, reverse auction method, and joint reservation auction method through An auction management drive engine is linked with the credit guarantee website 62 to proceed with.

Here, the credit guarantee website 62 of the web management server 60 includes the plurality of user network computer terminals COM1-1 to COM1-n and a plurality of company network computer terminals COM2-1 to COM2-. n) is linked with auction management software solution for managing transactions of credit guarantee information by auction method, reverse auction method, and joint reservation auction method.

In the figure, the value-added network server 64 is connected to the web management server 60 via a value-added communication network, and a plurality of user networks through the credit guarantee website 62 of the web management server 60. Credit guarantee information that is the result of auction, reverse auction, or co-booking auctions made by a computer terminal (COM1-1 to COM1-n) and a plurality of business network computer terminals (COM2-1 to COM2-n). To the credit card management server 66, and perform payment processing of a credit card for a purchase transaction of a predetermined product or service made through the credit guarantee website 62, and to the purchased product or service. The credit limit grant approval information is received from the credit card management server 66 and notified through the credit guarantee website 62.

The credit card management server 66 is the result of the auction by the credit guarantee website 62 of the web management server 60 through the value-added network server 64, auction auction method, a joint reservation auction method Receives the credit guarantee information that has been won, and performs approval of purchase of a credit card for a predetermined product or service made on the credit guarantee website 62 based on the successful credit guarantee information. Carry out approval of the credit limit as agreed by the guarantee information.

12 is a diagram illustrating an information processing system for a condition in which conditional credit guarantee information is concluded by an auction type two-way transaction according to a second preferred embodiment of the present invention.

As shown in FIG. 12, according to the auction method in the conditional credit guarantee point earning system according to the second embodiment of the present invention, the web management server 60 on the Internet communication network through a network computer terminal for a company in a particular commerce company By accessing the credit guarantee website 62, which is established in the US, the disclosure of the basic conditions of the credit guarantee, which is given a certain credit limit for a given product or service, and the deadline date and time of the auction transaction for the credit guarantee. Will be determined.

A plurality of credit card users US1 to USn operate the respective network computer terminals COM1-1 to COM1-n for credit guarantees published on the credit guarantee website 62 of the web management server 60. FIG. The basic terms and conditions are inquired, and based on the basic conditions of such credit guarantee, each person presents a personally desired condition of credit guarantee.

Herein, the conditions of the credit guarantees that are competitively presented among the plurality of credit card users US1 to USn are, together with the price for a predetermined product or service, credit limit, deferment period, interest-free installment period, after-sales service period, and delivery condition. It covers all of the back.

Accordingly, in the web management server 60, when a deadline date and time determined by the commerce company elapse, a condition formed most advantageously for the commerce company among the desired conditions suggested by the plurality of credit card users US1 to USn. Finally, a successful bid is made, and a specific credit card user is announced as a successful bidder.

In addition, the credit guarantee website 62 of the web management server 60 notifies the final successful bidder and the successful credit guarantee information to the network computer terminal of the company of the commerce company, and the credit card determined as the successful bidder. The purchase transaction of a certain product or service is made between the user and the commerce company.

Accordingly, the commerce company responds to the purchase settlement process using the credit card of the credit card user determined as a successful bidder through the credit guarantee website 62, and the value added network server 64 at the credit guarantee website 62. By connecting to the credit card management server 66 through the) performs the purchase and payment processing for the product or service that has been won by the auction transaction, and provides the successful bidder and successful credit guarantee information.

On the other hand, when a purchase of a product or service that has been purchased from the credit card user is made, the commerce company may use the credit as a deposit as a certain percentage of the credit limit contracted as a result of the successful bid for the product or service that has been purchased. The card management server 66 is paid.

FIG. 13 is a diagram illustrating an information processing system for a state in which conditional credit guarantee information is concluded by a two-way transaction of a reverse auction according to a second preferred embodiment of the present invention.

As shown in FIG. 13, according to the conditional credit guarantee point earning system according to the second embodiment of the present invention, a credit card user of a credit management website of the web management server 60 is connected to a specific credit card user through a network computer terminal for a user. 62) to provide a purchase condition for a particular product or service, and to determine a deadline date and time, the purchase condition presented by the credit card user is the purchase price and credit limit of the predetermined product or service It covers the terms of deferment, interest, installment, after-sales, and delivery terms.

At this time, a number of commerce companies that sell a specific product or service that the credit card user wants to purchase, the credit guarantee of the web management server 60 through the computer terminals (COM2-1 to COM2-n) for each company By accessing the website 62, the credit card user can present the conditions desired by each company based on the purchase conditions presented earlier.

In this state, the credit guarantee website 26 of the web management server 60, when the deadline and time determined by the credit card user has elapsed, the credit card user among the conditions presented by each of the plurality of commerce companies, respectively. Finally, the commerce company that presents the conditions most advantageously formed for the successful bidding will be announced.

In addition, the credit guarantee website 62 notifies the credit card user's network computer terminal of the information of the successful commerce company and the credit guarantee information of the successful product or service. The purchase settlement process with the successful commerce company is performed using the credit card of the credit card user, and the information of the successful company and the successful credit guarantee information are provided to the credit card management server 66.

On the other hand, the successful commerce company pays the credit card management server 66 an amount corresponding to a certain ratio of the credit limit given according to the bidding conditions of the credit guarantee information as a credit guarantee.

14 is a diagram illustrating an information processing system for a condition in which conditional credit guarantee information is concluded by a two-way transaction of a joint purchase method according to a second embodiment of the present invention.

As shown in FIG. 14, according to a joint purchase method as a joint reservation auction service in a conditional credit guarantee point earning system according to a second embodiment of the present invention, a specific commerce company uses a web management server through a computer terminal for a company ( 60, the credit guarantee website 62 is accessed, and the credit guarantee conditions are differentiated and disclosed according to the number of purchase reservations made for the purpose of joint purchase for the product or service to be sold.

That is, if the commerce company is a restaurant, 5,000 won (5% of the credit limit is 5,000 won) for 1 bowl reservation of Galbi-tang, 4,500 won (7% of the 5,000 won limit) for 20 bowls, and 20 bowls. 4,000 won (10% of the credit limit is 5,000 won) for reservations and 3,500 won (the credit limit is 13% of 5,000 won) for 30 bowl reservations. The installment periods can be differentiated by the number reserved.

A plurality of credit card users US1 to USn operate the respective network computer terminals COM1-1 to COM1-n to access the credit guarantee website 62 of the web management server 60, and the above-mentioned specific information is obtained. The bidding reservation for the joint purchase is performed while the purchase reservation condition of the joint purchase presented by the commerce company is inquired. For each credit card user (US1 to USn), the individual user number is used for the credit card user. (ID) is given.

On the other hand, in the credit guarantee website 62, when a predetermined period of time determined by the commerce company has elapsed, the price and credit limit of the product or service, credit limit, interest period, and interest-free installment period are determined by the number of users who have booked the joint purchase. Then, the credit card management server is notified of the information of the credit card user who has been reserved as a successful bidder of the joint purchase, and also provides credit guarantee information of the successful joint purchase.

For example, if 30 credit card users make a purchase reservation for a joint purchase, a price of 3,500 won is determined for each credit card user for the 30 bowls of galbi-tang already announced, and 13% of 5,000 won. The credit limit may be given.

In addition, the credit guarantee website 62 receives a credit limit granting process from the credit card management server 66, and the network computer terminals COM1-1 to the user of each credit card user US1 to USn. COM1-n) will be notified of the reservation confirmation number to purchase and reserve the successful bidding product or service, and will also notify the commerce company the credit guarantee information of the joint purchase with the successful bidder and the reservation verification given to each successful bidder. You will be informed of the number.

Accordingly, the credit card user having the co-purchase bidding enters a reservation verification number through the credit guarantee website 62 to grant a price and a credit limit determined by a reservation transaction to a predetermined product or service on which a purchase reservation is made. The payment is processed online using a credit card.

Meanwhile, the credit card user visits the commerce company directly, presents a reservation authentication number, and purchases a successful payment product or service using a credit card through a credit card inquiry terminal provided at the commerce company. In addition to this, it is possible to present a reservation verification number using a wired telephone terminal or a mobile communication terminal, and to make a purchase payment process using a credit card for a product or service that has been awarded.

Then, the commerce company pays the credit card management server 66 a certain percentage of the contracted credit limit for the product or service on which the successful purchase of the joint purchase is made.

FIG. 15 is a diagram illustrating an information processing system for a condition in which conditional credit guarantee information is concluded by a reverse auction reservation transaction according to a second preferred embodiment of the present invention.

As shown in FIG. 15, according to the reverse auction service in the conditional credit guarantee point earning system according to the second embodiment of the present invention, a plurality of credit card users US1 to USn are connected to each user network. While operating the computer terminals COM1-1 to COM1-n to access the credit guarantee website 62 of the web management server 60, individually presenting desired conditions for a specific product or service to be purchased. Thus, the number of people who can make a purchase reservation on the credit guarantee website 62 by the weight of each condition (for example, the price of a specific product or service, credit limit, deferment period, interest-free installment period, after-sales service) Period, delivery period, etc.).

Here, the conditions that the credit card users US1 to USn may present include the price, credit limit, deferment period, interest-free installment period, after-sales service period, delivery condition, etc. of a specific product or service to be purchased. do.

A plurality of commerce companies that sell products or services that the plurality of credit card users (US1 to USn) want to purchase in common, operate the network computer terminals COM2-1 to COM2-n for each web site. After accessing the credit guarantee website 62 of the management server 60 and inquiring the number of people who can be booked by the classification unit of each condition that meets the conditions presented by the plurality of credit card users US1 to USn, Based on the conditions and the number of people who can be booked, each person will be presented with the desired conditions of the individual booking transaction.

Meanwhile, the credit guarantee website 62 of the web management server 60 selects each commerce company that best meets the conditions presented by the respective credit card users US1 to USn when a predetermined predetermined deadline elapses. As a result of the successful bidding, it is desirable to allow each credit card user to bid each of the commerce companies that have given priority to the conditions of the weights of the various purchase reservation conditions proposed by US1 to USn.

For example, if a predetermined credit card user forms a reservation number by presenting a condition weighted to a credit limit, the commerce company that bids the credit limit as a desired condition is allowed to win.

Next, the credit guarantee website 62 notifies the successful bidder information to the successful bidder, and notifies each credit card user US1 to USn of the best bidder status, and each reservation is made. You will be given an authorization number.

In addition, the credit guarantee website 62 notifies the credit card management server 66 of the commerce company that has been successful in the reservation transaction, and finally provides the successful credit guarantee information.

Accordingly, each of the credit card users US1 to USn notifies each of the successful winning commerce companies the reservation approval number given from the credit guarantee website 62, and purchases using a credit card for a specific product or service. Allow payment processing.

On the other hand, each commerce company to pay the credit card management server 66 an amount corresponding to a certain percentage of the credit limit promised for a particular product or service sold to the credit card users (US1 to USn) as a credit deposit. do.

Next, a third embodiment of the present invention will be described in detail with reference to the accompanying drawings.

That is, FIG. 16 schematically illustrates an information processing system of a conditional credit guarantee point earning system according to a third embodiment of the present invention.

As shown in FIG. 16, according to the conditional credit guarantee point earning system according to the third embodiment of the present invention, a student, an unemployed person, a retiree, a full-time housewife, and the like are included in an inactive population who is not allowed to issue a credit card. For those who are not issued with the same credit card, a certain amount of deposit can be made to the deposit account (for example, the bank account of the bank) which is opened by each non-issued person through the credit authentication system.

The credit card management system issues a credit card with a total credit limit within the range of a multiple of the deposit made by the non-issuing person to the deposit account registered through the credit authentication system, and the total credit limit is not issued. It is advisable to establish by a certain contract with the person (e.g., unemployed or retired) or legal guardian of the non-issued person (e.g., the parent of the student or the guardian of the disabled).

Here, the total credit limit imposed by the credit card management system can be determined, for example, by an amount of five times the deposit deposited by the unissued subject.

In the credit card management system, the deposit is deposited in the deposit account opened by the non-issuing subject through the credit authentication system, for example, for a certain period such as one month, and the total credit limit contracted by a certain contract procedure is granted. The amount to be deposited must be maintained so that the total credit limit for the credit card issued to the non-issuing party can be maintained.

On the other hand, if the non-issued person who is issued the credit card is granted a credit limit disclosed by the commerce company while purchasing a specific product or service from a predetermined commerce company, the credit card management system is configured to receive the non-issued person from the commerce company. You will be notified of the status of the payment processing and credit guarantee information for your particular product or service using your credit card.

When the credit card management system is informed of the status of granting credit guarantee information to the non-issuing party by the commerce company, the credit card management system receives a credit corresponding to a certain percentage of the credit limit granted to the non-issuing party through the credit authentication system. Inquiring of the deposit payment status, the credit card issued to the non-issuing party is granted a credit limit granted from the commerce company, apart from the total credit limit applied by the deposit.

Here, the credit card management system is to be applied to the credit limit granted from the commerce company as an independent credit limit irrespective of the deposit made by the non-issuing subject in advance.

17 is a diagram showing the configuration of a conditional credit guarantee point earning system according to the credit card issuance credit according to a third embodiment of the present invention.

As shown in FIG. 17, the conditional credit guarantee point earning system according to the third embodiment of the present invention includes a credit card (CDB) issued to a non-issuing person (USB) of a credit card and a commerce company 70. Credit card inquiry terminal 72, value added network server 74, credit card management server 76, information database 78, credit authentication server 80, credit authentication server 80, network computer terminal 82 ), A web server 84, a mobile communication terminal 86, and a mobile communication exchange 88.

In the figure, the credit card CDB is issued from the credit card management server 76 by processing a prepayment of a predetermined amount of deposit allocated for the non-issuing person USB to receive the total credit limit.

The credit card inquiry terminal 72 is installed in a commerce company 70 that sells tangible / intangible products or services. The credit card inquiry terminal 72 is connected to the value added network server 74 through a value added communication network to allow the unissued person (USB). Purchasing payments for a particular product or service will be performed within the total credit limit imposed on CDB.

Herein, when the credit card inquiry terminal 72 announces that the commerce company 70 imposes a certain amount of credit limit on a product or service to be sold, the credit card of the non-issuing person (USB) ( Notify the credit card management server 76 of credit guarantee information for granting a credit limit to the credit card management server 76 when purchasing a product or service for which additional credit limit is promised through the CDB), and managing the credit card. Authorization of the credit limit is received from the server 76.

In the figure, the value-added network server 74 is connected to the credit card inquiry terminal 72 installed in the commerce company 70 through a value-added communication network to purchase using the credit card (CDB) of the non-issuing subject (USB). The purchase payment processing for the desired product or service is performed within the range of the total credit limit, and the credit limit request information from the credit card inquiry terminal 72 is transmitted to the credit card management server 76 to limit the credit limit. Authorization approval is received, and the credit limit authorization information is notified to the credit card inquiry terminal 72.

Here, the value-added network server 74 is connected to the web server 84 and the mobile communication switch 88, respectively, so that the non-issued person (USB) pays for a predetermined product or service through an internet communication network and a wireless communication network. Upon request, payment processing will be performed within the total credit limit imposed on the credit card (CDB) of the non-issuing party (USB).

When the value-added network server 74 intends to purchase a specific product or service using a credit card (CDB) that the non-issuing party (USB) announces additional credit limit from the commerce company 70, the credit The credit limit grant request information on the CD is transmitted to the credit card management server 76 to receive the grant of the credit limit, and the grant limit of the credit limit is transferred to the web server 84. The unsuccessful person (USB) is notified through the communication exchange 88.

When the commerce company 70 receives the approval of the credit limit from the credit card management server 76 through the credit card inquiry terminal 72, the commerce company 70 receives a credit limit amount for the credit card CDB. A certain percentage of the credit guarantee deposit to the credit card management server 34.

In the credit card management server 76, a credit of an unissued subject (USB) requested from the credit card inquiry terminal 72, the network computer terminal 82, and the mobile communication terminal 86 through the value added network server 32; For credit card payments using a card (CDB), transaction approval is performed within the total credit limit granted to the credit card (CDB) according to the amount of the deposit, and the amount of the credit limit promised by the commerce company 70 is If there is a grant request, the credit card (CDB) is given a separate credit limit of a predetermined amount with the corresponding commerce company 70.

In the figure, the information database 36 stores the member information for the non-issuing person (USB) who has been issued a credit card (CDB) and information of the total credit limit according to the deposit, and the credit of the commerce company 70 The information on the separate credit limit granted under the guarantee is stored.

In addition, the credit authentication server 80 is connected to a number of financial institutions (for example, banks) online, the total credit for the credit card (CDB) of the non-issuing person (USB) to the credit card management server 76 It provides information of the deposit amount for granting a limit, and performs payment processing for the credit deposit paid from the commerce company 70.

In addition, the network computer terminal 82 connects to the web server 84 through an internet communication network, and purchases a payment for a predetermined product or service by using a credit card (CDB) of the non-issued person (USB). The credit card (CDB) is allowed to perform within the total credit limit granted.

In this case, the network computer terminal 82 inquires the contents of the credit limit for each product or service published by the commerce company 70 in the form of an Internet web document, and the payment for a predetermined product or service desired to be purchased. It is performed using a credit card (CDB), and a credit limit for a product or service that has been purchased is assigned online.

The web server 84 provides the disclosure content of the credit limit for each specific product or service published by the commerce company 10 in the form of an Internet web document, and also provides online access to the product or service for which the credit limit is disclosed. It has a website associated with a commercially available software solution for managing e-commerce.

In the figure, the mobile communication terminal 86 is connected to the mobile communication switch 88 through a wireless communication network, and the voice is automatically guided to purchase payment for a product or service that the non-issuing target person (USB) wants to purchase. This function is performed using a function or a text information service function, but it is performed within the total credit limit by the deposit granted to the credit card (CDB).

In this case, when there is a grant limit of the credit limit with the commerce company 70, the mobile communication terminal 86 receives the credit limit grant approval information and receives the non-issued subject (USB). You will be notified in the form of voice or text.

The mobile communication switch 88 is connected to the mobile communication terminal 86 through a wireless communication network, and purchases information on products or services that are normally sold using an automatic voice guidance system (ARS) or a text information guide system. Disclosure or disclosure of the credit limit of the product or service disclosed by the commerce company 70 in the form of voice guidance or text information.

The mobile communication exchange 88 performs a purchase settlement process for a product or service that the non-issuing target person (USB) wants to purchase by connecting to the value added network server 74 and performs a purchase settlement process. Receive the approval of the credit limit promised for the from the credit card management server 74 to notify the mobile communication terminal 86 in the form of voice guidance message or text information.

In this case, the mobile communication terminal 86 adds a wireless Internet access function to process purchase and payment for a product or service that the non-issued person (USB) wants to purchase using a credit card (CDB) through a wireless internet communication network. In addition to making it possible, it is also possible to perform approval through the wireless Internet communication network to grant a contracted credit limit for a product or service for which a purchase settlement process has been performed.

On the other hand, in the third embodiment of the present invention made as described above, it is preferable to set the amount of the total credit limit to be equal to the amount of the deposit for the non-issuing person who has a bad credit record. It is advisable to vary the amount of the total credit limit relative to the deposit, depending on the degree of credit rating for the non-issuing entity.

In addition, in the third embodiment of the present invention made as described above, a credit card (hereinafter referred to as a mother credit card) of a credit card user who is classified as an economically active population and forms a credit card issuance condition, and a credit card formally A certain amount of money deposited in the payment account of the parent credit card is connected between the credit card of the non-issuing subject (hereinafter referred to as the child credit card) without the issuance qualification. It is possible to make a deposit in the account as a deposit, and the deposit of such a deposit will determine the credit limit for the principal's own credit card.

The transfer of the deposit amount for each payment account of the mother credit card and the child credit card is enabled by the transfer of money amount between the credit card management server 76 and the credit authentication server 80, and the user of the mother credit card Through the credit card management server 76 and the credit card inquiry terminal 72, the network computer terminal 82, the mobile communication terminal 86 to connect online or offline to request the amount of money to be transferred It is supposed to be.

Each payment account of the mother credit card and the child credit card is capable of transferring a certain amount from the payment account of the mother credit card to the payment account of the child credit card, as well as the parent credit card. It is possible to reverse the payment to the card's payment account.

For example, it is possible for a parent who issued a parent credit card to transfer a certain amount to a deposit by linking a payment account to a child who is issued a child credit card (ie, a credit card whose credit limit is granted by the amount of the deposit). On the contrary, if it is determined that the credit limit of the child credit card is excessive, it is possible to transfer some of the amount deposited in the payment account of the child credit card to the payment account of the mother credit card.

Next, a fourth embodiment of the present invention will be described in detail with reference to the accompanying drawings.

That is, FIG. 18 is a diagram illustrating a processing system of credit guarantee information for explaining a conditional credit guarantee point earning method according to a fourth embodiment of the present invention.

As shown in FIG. 18, according to the fourth embodiment of the present invention, a credit card affiliated shop that is affiliated with a specific credit card management system is connected to a purchase reservation management system using an online communication network such as an internet communication network, and the affiliated store. Will perform the procedure of registering a product targeted for a purchase reservation for a product that is sold by (i.e., it includes both tangible or intangible products that can be sold for a fee).

In the purchase reservation management system, when a credit card affiliate registers a specific product as a purchase reservation target, the cyber money is applied to the registered purchase reservation target product through an online or offline consultation process with the credit card merchant. The amount is determined, and the registered product subject to the purchase reservation is disclosed to the credit card user who accesses online or offline.

In this state, the credit card user inquires on the online or offline products of the purchase reservation subject published from the purchase reservation management system, and applies for a purchase reservation including the size and duration of the specific product. In the reservation management system, the credit card user enters into a contract for purchase reservation of the product applied for.

When the contract for the purchase reservation of a specific product is concluded with the credit card user, the purchase reservation management system notifies the credit card merchant of the contract conclusion state of the purchase reservation, and accesses the credit card management system. The credit card held by the user is applied to the loan amount equivalent to the cyber money granted to the product subject to the purchase reservation, and the credit card management system makes a reservation for the credit card of the credit card user. Loan of the amount equivalent to the amount granted to the product is paid to the purchase reservation management system.

On the other hand, the purchase reservation management system pays the loan payment received from the credit card management system to the credit card merchant that registered the product for the purchase reservation, the amount corresponding to a certain operating margin rate of the purchase reservation product from the credit card merchant You will receive a deposit.

The purchase reservation management system repays the principal and interest of the loan monthly or quarterly to the credit card management system by using the amount of the fixed margin rate received from the credit card merchant, and also a part of the predetermined operating margin rate amount. The loan guarantee insurance for the contract of the purchase reservation product is subscribed to the guarantee insurance management system.

Here, the amount according to the predetermined margin rate of the purchase reservation product received from the credit card merchant is preferably equal to or more than the amount of the cyber money (the amount of the loan).

On the other hand, in the purchase reservation management system, if the credit card user does not purchase the product reserved for purchase within the reservation period, the purchaser who originally made the purchase reservation has a repayment obligation, but the contract of the loan guarantee insurance In this state, it is subject to the loan guarantee insurance subscribed through the guarantee insurance management system.

19 is a diagram illustrating a system configuration for explaining a conditional credit guarantee point earning method according to a credit card issuance credit according to a fourth embodiment of the present invention.

As shown in Fig. 19, in the fourth embodiment of the present invention, a ground medium 90, a user network computer terminal 92, a web server 94, a purchase reservation management server 96, and a purchase reservation information database are provided. (98), amount information database 100, credit card management server 102, card information database 104, loan information database 106, financial settlement server 108, warranty insurance management server 110, gateway server 1112, wireless communication switch 114, mobile communication terminal 116, cable content management server 118, two-way cable television 120, kiosk management server 122, kiosk device 124, a number of merchants It consists of network computer terminals COM3-1 to COM3-n.

In the figure, the purchase reservation management server 96 is connected to the merchant computer terminals (COM3-1 to COM3-n) equipped in a plurality of credit card merchant stores via an Internet communication network, and products sold at each credit card merchant store The product for the purpose of making a reservation is registered, and the general product information about the appearance and product description of the product is received in the form of multimedia information, and the price, margin rate, and the amount of the cyber money You will receive the information.

The purchase reservation management server 96 processes a product of a purchase reservation object registered from the plurality of affiliated network computer terminals COM3-1 to COM3-n to process a credit card user (US) in the form of a ground medium (90). The ground medium 90 includes all the surface information sheets that are publicly distributed, such as newspapers, magazines, pamphlets, and advertisements.

In addition, the purchase reservation management server 96 receives multimedia information and price, reservation period and cyber money received for the goods registered for purchase reservation from the plurality of merchant network computer terminals (COM3-1 to COM3-n) Information is provided to the web server 94, and the web server 94 generates information as a purchase reservation information of a website by processing the information of a product registered as a purchase reservation object into web page information compatible with the Internet protocol. Done.

On the other hand, the user network computer terminal 92 is provided with a network interface device such as a LAN card or a modem to enable the information search of the website through the Internet communication network, the Internet-specific web browser program is built-in, the Internet communication network By accessing the web site of the web server 94, the information about the product to be reserved for purchase is searched, and a specific product is designated to perform the purchase reservation online.

In this case, the user's network computer terminal 92 has an effect of purchase reservation by signing an online contract with the purchase reservation management server 96 for a product to be reserved for purchase through the website of the web server 94. This is to occur, so that the contract can be concluded by confirming the card number and consent information of the credit card user (CD) of the credit card user (US) in the contract presented on the website of the web server 94. do.

In the same figure, the purchase reservation database 98 includes information on a product reserved for purchase by the credit card user US, a contract decision sheet, and a credit card (CD) of a credit card user US purchasing a predetermined product. ) Information is stored in the amount information database 100, and information of cyber money given to a product reserved for purchase by the credit card user US, and a loan made through the cyber money. Information, information on a certain margin rate of a credit card merchant for a product that has been reserved for purchase, principal information on loans repaid to the credit card management system, and interest repayment information.

In the figure, the purchase reservation management server 96 is connected to the credit card management server 102 online through an internet communication network to a credit card (CD) of a credit card user (US) who has made a contract for purchase reservation. By transmitting the card information and the amount information of the cyber money given in accordance with the purchase reservation of the predetermined product, the loan amount equivalent to the amount of the cyber money is applied.

The credit card management server 102 according to the loan application of the loan through the cyber money given on the condition of purchase reservation for the predetermined credit card (CD) from the purchase reservation management server 96, through a value-added network The loan payment is processed by accessing the financial settlement server 108 to the settlement account of the purchase reservation management server 96.

In addition, the card information database 104 stores member information and card information of a credit card (CD) issued to a credit card user (US), and the loan information database 106 includes the credit card user (US). ) Information on the amount of the loan made with the loan and the repayment information of the loan with respect to the product for which the purchase reservation has been made.

The financial settlement server 108 deposits and processes the payment account opened by the purchase reservation management server 96 according to the loan payment request of the credit card management server 102 through the value added network, and the purchase reservation management server ( According to the loan repayment request of 96), the principal and interest of the loan are repaid to the payment account of the credit card management server 102 on a monthly or quarterly basis.

The guarantee insurance management server 110 is connected to the purchase reservation management server 96 through a value-added network to exchange information for receiving a loan guarantee insurance of a purchase reservation for a predetermined product of the credit card user US. If the information for insurance processing request is received from the purchase reservation management server 96 while the purchase of goods is not generated within the purchase reservation period according to the penalty of the credit card user US, the deposit amount is reserved for the purchase reservation. The payment is made to the management server 96 and the credit card user US is requested to return the loan. Here, when the loan guarantee insurance contract is not made through the guarantee insurance management server 110, the credit card user US is notified of the obligation to repay the loan, and the credit card user US directly repays the loan. Do it.

In the same figure, the gateway server 112 may include multimedia information about goods subject to purchase reservation from a plurality of merchant network computer terminals COM3-1 to COM3-n registered at the purchase reservation management server 96; The information on the price, contract period and cyber money is converted into a protocol that can be reproduced by the mobile communication terminal 116, the interactive cable television 120, and the kiosk device 124, and the mobile communication terminal 1116 and the interactive cable television are reproduced. The related information for the purchase reservation input from the 120 and the kiosk device 124 is to be converted into a protocol that can be processed by the purchase reservation management server 96.

The wireless communication switch 114 stores the multimedia information, the price, the reservation period, and the cyber money information on the goods subject to the purchase reservation received from the purchase reservation management server 96 received through the gateway server 112 in a wireless communication network. To a specific mobile communication terminal 116 (i.e., a mobile communication terminal of a credit card user (US) having a credit card (CD)) and to a contract for purchase reservation of the mobile communication terminal 116. Accordingly, the contract decision report is transmitted to the purchase reservation management server 96 through the gateway server 112.

Here, the wireless communication switch 114 receives the phone number list information of the mobile communication terminal 11116 upon receiving the related information about the product to be reserved for purchase from the purchase reservation management server 96, and Preferably, the mobile communication terminal 116 can be called based on the phone number list information.

In addition, the cable content management server 118 provides a variety of multimedia content information to meet the needs of users by exchanging information with a set top box provided in the interactive cable television 120 through a cable network. This is to receive, through the gateway server 112 receives the multimedia information and price of the goods for the purchase reservation from the purchase reservation management server 96, information of the reservation period and cyber money through the cable network via the interactive network And transmits the contract decision information to the purchase reservation management server 96 via the gateway server 112 in accordance with the contract for purchase reservation from the interactive cable television 120.

In addition, the kiosk management server 122 is to provide kiosk information, such as feature guide information or ticket release, to the kiosk device 124 online through a data communication network, and through the gateway server 112. The multimedia information of the product for the purchase reservation from the purchase reservation management server 96 and the price, the reservation period and the information of the mother's money are received and transmitted to the kiosk device 124 through a data communication network, and the kiosk device ( According to the contract for purchase reservation from 124, the contract conclusion information is transmitted to the purchase reservation management server 96 via the gateway server 112.

Here, the kiosk apparatus 124 is a data communication network in the state in which the credit card (CD) is inserted into a predetermined card insertion unit (not shown) by the credit card user US to read the card information, By transmitting to the kiosk management server 122 through, it is possible to reproduce the product information for the purchase reservation possible to query, the kiosk management server 122 is the credit card received from the kiosk device 124 The card information of the CD is transmitted to the purchase reservation management server 96 through the gateway server 112, whereby the inquiry of the product information for the purchase reservation is permitted.

According to the fourth embodiment of the present invention configured as described above, an information medium capable of inquiring a product subject to purchase reservation or concluding an agreement of purchase reservation is provided with a ground medium 90, a network computer terminal 92, and a mobile communication terminal. 116, interactive cable television 120, and kiosk device 124, but a portable advertising terminal or a wireless Internet-enabled laptop that sends a local advertisement for the user's mobile area by tracking the user's location It is desirable to make it applicable widely through a computer, a PDA device, or a commercial landline telephone.

Next, an operation according to the fourth embodiment of the present invention made as described above will be described in detail with reference to the flowcharts of FIGS. 20A and 20B.

First, referring to the flowchart of FIG. 20A, a process of normally purchasing a product within a reservation period for a predetermined product for which a reservation is made will be described with reference to an online information exchange operation through an internet communication network.

That is, among a plurality of affiliated network computer terminals COM3-1 to COM3-n, a predetermined affiliated network computer terminal connects to the purchase reservation management server 96 through the Internet communication network and registers as a purchase reservation target. Providing the product information on the product in the form of multimedia data, and performs a registration process for providing the price information of the product (step S10).

Accordingly, the purchase reservation management server 96 transmits the multimedia data, price, and reservation period information of the product information on the product registered for the purchase reservation received from the specific merchant network computer terminal to the web server 94. It can be displayed on the web page of the website, and the cyber money of the product is determined through the exchange of information with the network computer terminal for the merchant, and posted on the website of the web server 94.

In this state, the user network computer terminal 92 connects to the web server 94 via the Internet communication network, and issues a credit card (CD) of the credit card user US on the website of the web server 94. The log-in is performed through the user number and password given according to step (S11), the purchase reservation management server 96 is the relevant information of the target product registered for the purchase reservation through the website of the web server 94 (Step S12).

Accordingly, the user network computer terminal 92 provides information for requesting a purchase reservation for a desired product of a desired credit card user US among the products for purchase reservation subject to be published on the website of the web server 94. Generate and transmit (step S13), the purchase reservation management server 96 exchanges information with the user's network computer terminal 92 through a website of the web server 94 by a predetermined contract form; The contract of purchase reservation according to this is concluded (step S14).

On the other hand, when the purchase reservation management server 96 and the user network computer terminal 92, the contract of purchase reservation is concluded, information about the conclusion of the contract of purchase purchase reservation product to the network computer terminal for merchants that registered the product Notified (step S15), the credit card management server 102 is connected through the Internet communication network to apply online for a loan equivalent to the amount to be paid in advance for the goods for which the purchase reservation has been made (step S16).

Accordingly, the credit card management server 102 determines whether the credit card user US who has made a contract for purchase reservation in the card information database 104 according to the loan application of the purchase reservation management server 96. After retrieving whether or not, the loan payment of the amount equivalent to the amount to be prepaid for the product for which the purchase reservation is made is connected to the financial settlement server 108 through the value-added network to the payment account opened by the purchase reservation management server 96. The deposit processing can be performed (step S17).

The purchase reservation management server 96 is connected to the financial settlement server 108 through a value-added network to deposit the loan payment from the credit card management server 102 to the payment account opened by the merchant. In step S18, the merchant network computer terminal deposits an amount corresponding to a predetermined margin rate of the affiliate store with respect to the purchase-reserved product through the financial settlement server 108 (step S19).

In this state, the purchase reservation management server 96 uses the amount of a certain margin rate received from the merchant network computer terminal, and according to the purchase reservation of a specific product of the credit card user US, the credit card management server. The principal and interest of the loan received from 102 are repaid monthly or quarterly (step S20).

Then, the credit card user US directly connects to the affiliated network computer terminal through the Internet communication network using the user network computer terminal 92 or accesses a website operated by the affiliated store on the Internet communication network. By purchasing a product that has been reserved for online purchase and purchase within the reservation period, or directly visiting the affiliated store and purchasing the product that has been reserved for purchase within the reservation period (step S21), the merchant network computer terminal uses the credit card user. As the US purchases a product reserved for purchase using a credit card (CD), the credit card management server 102 requests a credit card authorization of the credit card (CD) through a value-added network (step) S22), the card payment approval process can be performed from the credit card management server 102 (step S23).

Accordingly, the credit card management server 102 notifies the purchase reservation management server 96 that the credit card user US has made a purchase reservation within a reservation period using a credit card (CD). Information is transmitted (step S24).

Next, with reference to the flowchart of FIG. 20B, an information processing process in a state in which a purchase reservation for a predetermined product for which a purchase reservation has been made is not made even after the reservation period has elapsed will be described.

First, among a plurality of merchant network computer terminals COM3-1 to COM3-n, a predetermined merchant network computer terminal connects to a purchase reservation management server 96 through an Internet communication network and registers as a purchase reservation target. Providing the product information on the product in the form of multimedia data, and performs a registration process for providing the price information of the product (step S30).

Accordingly, the purchase reservation management server 96 transmits the multimedia data, price, and reservation period information of the product information on the product registered for the purchase reservation received from the specific merchant network computer terminal to the web server 94. It can be displayed on the web page of the website, and the cyber money of the product is determined through the exchange of information with the network computer terminal for the merchant, and posted on the website of the web server 94.

In this state, the user network computer terminal 92 connects to the web server 94 via the Internet communication network, and issues a credit card (CD) of the credit card user US on the website of the web server 94. According to the user ID and password given in accordance with the login (step S31), the purchase reservation management server 96, the relevant information of the target product registered for purchase reservation through the website of the web server 94 (Step S32).

Accordingly, the user network computer terminal 92 requests information for requesting a purchase reservation for a product desired by the credit card user US from among the products for purchase reservation subject to be published on the website of the web server 94. Generate and transmit (step S33), the purchase reservation management server 96 exchanges information with the user's network computer terminal 92 through the website of the web server 94 by a predetermined contract form; The contract of purchase reservation according to this is concluded (step S34).

On the other hand, when the purchase reservation management server 96 and the user network computer terminal 92, the contract of purchase reservation is concluded, information about the conclusion of the contract of purchase purchase reservation product to the network computer terminal for merchants that registered the product Notified (step S35), the credit card management server 102 is connected to the Internet through the Internet communication network to apply online for the loan amount equivalent to the cyber money given to the goods for which the reservation is made (step S36).

Accordingly, the credit card management server 102 determines whether the credit card user US who has made a contract for purchase reservation in the card information database 104 according to the loan application of the purchase reservation management server 96. After retrieving whether or not, it is connected to the financial settlement server 108 through the value-added network and deposits a loan amount equivalent to the cyber money of the product for which the purchase reservation is made to the payment account opened by the purchase reservation management server 96. (Step S37).

The purchase reservation management server 96 is connected to the financial settlement server 108 through a value-added network to deposit the loan payment from the credit card management server 102 to the payment account opened by the merchant. In step S38, the merchant network computer terminal deposits an amount corresponding to a predetermined margin rate of the affiliate store for the purchase-reserved product through the financial settlement server 108 (step S39).

In addition, the purchase reservation management server 96 is connected to the guarantee insurance management server 10 through the value-added network, and subscribes to the loan guarantee insurance online using a certain ratio of the amount of the fixed margin rate received from the merchant. (Step S40).

In this state, the purchase reservation management server 96 uses the amount of a certain margin rate received from the merchant as the credit card user US performs the purchase reservation, so that the specific product of the credit card user US According to the purchase reservation, the principal and interest of the loan received from the credit card management server 102 are repaid monthly or quarterly (step S41).

On the other hand, the merchant network computer terminal, if it is confirmed that the credit card user (US) who has concluded the purchase reservation agreement does not purchase the product even after the reservation period determined at the time of registration of the product to be reserved for purchase, passes through the purchase reservation management The server 96 is notified of the non-purchase status of the product within the purchase reservation period online (step S42), and the purchase reservation management server 96 is notified of the non-purchase status of the purchase reservation target product from the merchant network computer terminal. If so, the user's network computer terminal 92 transmits information to alert the user not to purchase the purchase reservation product (step S43).

That is, the purchase reservation management server 96 alerts the non-purchase of the purchase reservation product through a notification web page for the user network computer terminal 92 assigned to the website of the web server 94. To alert you to the unpurchased status of the product.

Next, the purchase reservation management server 96 deducts the cyber money granted for the product if the purchase is not made within the contract period of the purchase reservation product, that is, the purchase of the product reserved through the affiliate store is not made. Processing (step S44), the warranty insurance management server 110 to notify the online status of the credit card user (US) of the penalty (step S45), the penalty for the network computer terminal 92 for the user The information requesting is transmitted (step S46).

Accordingly, the user network computer terminal 92 pays the penalty through the online or offline to the purchase reservation management server 96 (step S47), the online or offline to the warranty insurance management server 110 The loan is paid through (step S48).

Here, in the guarantee insurance management server 110, when the credit card user US has already paid some of the loans to the purchase reservation management server 96, the remaining amount except the paid amount It is desirable to allow the loan amount to be billed to the credit card user US.

Next, a fifth embodiment of the present invention will be described in detail with reference to the accompanying drawings.

That is, FIG. 21 is a diagram illustrating the overall credit guarantee information processing system for explaining the conditional credit guarantee point earning method according to the fifth embodiment of the present invention.

As shown in FIG. 21, according to the fifth embodiment of the present invention, a first credit card affiliated shop that is affiliated with a specific credit card management system is connected to a purchase reservation management system using an online communication network such as an internet communication network. The procedure of registering a product targeted for purchase reservation among the products sold by the affiliated store is performed.

Here, in the first credit card affiliate store, multimedia information having various product information about a product registered for a purchase reservation, purchase reservation period and price, and information on a predetermined margin rate amount for the corresponding product are registered in the purchase reservation management system. It is desirable to be able to.

In the purchase reservation management system, when a specific product is registered as a purchase reservation target at the first credit card affiliate store, the registered purchase target product is processed through an online or offline consultation process with the first credit card affiliate store. The amount of the cyber money is determined, and the registered target product of the purchase reservation is disclosed to the credit card user who is connected through online or offline.

In this state, the credit card user inquires on the online or offline products of the purchase reservation subject announced from the purchase reservation management system, and applies for a purchase reservation for a specific product, and the purchase reservation management system uses the credit card user. Will enter into an agreement to reserve the purchase of the goods requested.

When the contract for the purchase reservation of a specific product is concluded with the credit card user, the purchase reservation management system notifies the first credit card affiliate store the contract conclusion state of the purchase reservation, and connects with the credit card management system. The credit card management system applies for the loan amount equivalent to the cyber money granted to the product subject to the purchase reservation, and the credit card management system applies to the credit card held by the credit card user. The loan amount equivalent to the cyber money granted to the product reserved for purchase is paid to the purchase reservation management system.

On the other hand, in the purchase reservation management system, when the loan is paid from the credit card management system, it is determined as a free company by a consultation process through online or offline with the first credit card merchant, and a specific second credit in which a company is registered. In addition to paying the loan to the card merchant, the first credit card merchant is provided with information informing the second credit card merchant as a gratuity that the loan has been converted into a free gift payment amount.

At this time, the first credit card merchant stores the amount corresponding to a predetermined margin ratio of the purchase reservation product to the purchase reservation management system, and the purchase reservation management system receives payment from the first credit card merchant. The principal and interest of the loan are repaid monthly or quarterly to the credit card management system using a certain margin rate amount, and the contract of the purchase reservation product to the guarantee insurance management system using a portion of the predetermined margin rate amount. The loan guarantee insurance for the company will be covered.

Here, the amount according to the predetermined margin rate of the purchase reservation product received from the credit card merchant is preferably equal to or more than the amount of the cyber money (the amount of the loan).

Then, the second credit card merchant checks the purchase reservation agreement for the credit card user, and presents the desired product to the credit card user within the amount of the loan received from the purchase reservation management system. The credit card management system is notified online of the present status of the gift.

In addition, the credit card user accesses the first credit card merchant through online or offline, and purchases a product that is reserved for purchase within a reservation period using a credit card, and the first credit card merchant stores the credit card. The management system receives the approval for purchasing the product for the credit card of the credit card user. Accordingly, the credit card management system pays the card payment price to the first credit card merchant.

On the other hand, in the purchase reservation management system, if the credit card user does not purchase the product reserved for purchase within the reservation period, the loan guarantee insurance subscribed through the guarantee insurance management system is applied. On the other hand, in the purchase reservation management system, a loan repayment request is made so that the credit card user US can directly repay the loan when the loan guarantee insurance contract is not made for the product reserved by the credit card user. Perform.

22 is a diagram illustrating a system configuration for explaining a conditional credit guarantee point earning method according to a credit card issuance credit according to a fifth embodiment of the present invention.

As shown in FIG. 22, in the fifth embodiment of the present invention, the user's network computer terminal 130, the network computer terminal 136 of the first affiliated store 132, the card inquiry terminal 138, and the second Network computer terminal 140 and card inquiry terminal 142 of merchant 134, web server 144, purchase reservation management server 146, purchase reservation information database 148, value information database 150, value added network A server 152, a credit card management server 154, a card information database 156, a loan information database 158, a financial settlement server 160, a guarantee insurance management server 162.

In the figure, the user network computer terminal 130 accesses the web server 144 through an internet communication network by the operation of a credit card user (US) equipped with a credit card (CD) to register a purchase reservation by a merchant. As a result of inquiring a purchased product online and entering into a purchase reservation agreement for a specific product, the credit card user US uses the credit card CD to make a purchase reservation for the first affiliate store 132 within the reservation period. Allows you to purchase a product.

In addition, the network computer terminal 136 of the first affiliated store 132 is connected to the web server 144 through an Internet communication network information for registering a purchase reservation target of the product designated as a purchase reservation among the products sold in the affiliated store The exchange is performed, which is the purchase reservation management server 146 through the web server 144 the multimedia information including the product information of the product to be registered for purchase reservation, the price, the reservation period, and a certain margin rate amount information through the web server 144. Will be sent to.

The network computer terminal 140 of the second affiliated store 134 connects to the web server 144 through an internet communication network, and performs a contract online to register as a gift giver.

In the figure, the card inquiry terminal 138 of the first affiliated store 132 is connected to the value-added network server 152 through the value-added network, and the credit card user US makes a purchase reservation using the credit card (CD). When purchasing the made goods, the credit card management server 154 performs a card payment approval request for the payment items of the credit card (CD).

The card inquiry terminal 142 of the second affiliated store 134 connects to the value added network server 152 through a value added network, and receives the free gift corresponding to the amount of the loan paid from the purchase reservation management server 146. In order to pay to the card user US, the authentication process for confirming the purchase reservation agreement for the credit card CD and the exchange of information for the presentation of the free gift and the payment status are performed.

In the figure, the web server 144 registers the multimedia information of the product information included in the purchase reservation target product received from the network computer terminal 136 of the first affiliate store 132, the price and the reservation period information. In addition to posting on the web page of the Internet website, in accordance with the information exchange with the network computer terminal 140 of the second merchant 134, the registration status as a gift giver of the free gift is posted on the web page, While providing the web page information for the inquiry of the purchase reservation target product registered in the network computer terminal 130, and performs the information exchange to conclude the purchase reservation agreement for a specific product.

In addition, the purchase reservation management server 146 is multimedia information about the product information of the product for the purchase reservation registration from the first affiliated store 132 received through the web server 144, the price and information of the reservation period Is displayed in the form of a web page on the website of the web server 144, and based on the information of the predetermined margin rate of the purchase reservation target product received from the first merchant 132 of the first merchant 132 The amount of cyber money is determined by exchanging information for determining the amount of cyber money with the network computer terminal 136.

The purchase reservation management server 146 determines the amount of the cyber money through the information exchange with the first affiliated store 132 and when the purchase reservation is made by the credit card user US, the credit card management It connects to the server 154 and applies online for a loan equal to cyber money for the credit card (CD) of the credit card user (US), and pays the loan from the credit card management server 154. When received, the loan is connected to the financial settlement server 160 through the value added network so that the loan can be deposited in the payment account of the second affiliated store 134 registered as a free gift presenter.

Here, the purchase reservation management server 146 requests the payment of a certain margin rate amount for the goods for which the purchase reservation is made by accessing information with the network computer terminal 136 of the first affiliate store 132 through an internet communication network. When the amount of the predetermined margin rate is deposited from the first merchant 132, the principal and the loan interest of the loan are repaid to the credit card management server 154 on a monthly or quarterly basis using the predetermined margin rate amount. By using the remaining amount of the margin rate amount, the guarantee insurance management server 162 subscribes to the loan guarantee insurance for the purchase reservation agreement of the product to be reserved for purchase.

In the same figure, the purchase reservation database 148 includes information on a product reserved for purchase by the credit card user US, a contract decision report, and a credit card (CD) of a credit card user US purchasing a predetermined product. Information about the affiliated store that presents the free gift as a result of the product purchase reservation, and the amount information database 150 includes information on the cyber money granted to the product reserved by the credit card user US. And information on loans made through the cyber money, information on a certain margin rate of credit card merchants, and payments on principals and interest paid on loans to the credit card management system. have.

The credit card management server 154, through the value-added network in accordance with the loan application through the cyber money given on the condition of purchase reservation for the predetermined credit card (CD) from the purchase reservation management server 146, The loan payment is processed by accessing the financial settlement server 160 to the payment account opened by the purchase reservation management server 146, and according to the purchase of goods within the purchase reservation period by the credit card user US. In addition to performing the card payment approval processing of the product purchase price through the card inquiry terminal 138 of the first affiliate store 132, purchase reservation is made to the corresponding card inquiry terminal 142 according to the free gift of the second affiliate store 134. Acknowledgment of the agreement will be processed and information exchange will be carried out to confirm the confirmation of the gift present status.

In addition, the card information database 156 stores member information and card information of a credit card (CD) issued to a credit card user US, and the loan information database 158 stores the credit card user US. ) Information about the amount of the loan made and the repayment information of the loan is stored.

The financial settlement server 160 deposits the loan in the payment account opened by the purchase reservation management server 146 according to the loan payment request of the credit card management server 154 through the value added network, and manages the purchase reservation. According to the loan repayment request of the server 146, the principal and interest of the loan are repaid to the payment account of the credit card management server 154 on a monthly or quarterly basis.

The guarantee insurance management server 162 connects to the purchase reservation management server 146 through a value-added network to exchange information for receiving a loan guarantee insurance of a purchase reservation for a predetermined product of the credit card user US. When the information for insurance processing request is received from the purchase reservation management server 146 while the purchase of goods is not generated within the purchase reservation period according to the penalty of the credit card user US, the deposit amount is reserved for the purchase. The payment is made to the management server 146 and the credit card user US is requested to return the loan.

In the fifth embodiment of the present invention, the credit card user (US) is configured so that the inquiry of the purchase reservation target product and the conclusion of the purchase reservation agreement can be performed online through the Internet communication network using the network computer terminal 130. However, a mobile communication terminal capable of voice, text, and video communication, a two-way cable television equipped with a set-top box to exchange multimedia information in two directions, a kiosk device that allows information search and input online through a data communication network, Adopt various online multimedia communication devices such as advertisement terminal in mobile area by location tracking, laptop computer with wireless internet, PDA device or commercial wired telephone to enable inquiry of contract and purchase reservation. In addition to the purchase of offline ground media It is desirable to enable broad coverage of drug targets.

Next, operation according to the fifth embodiment of the present invention made as described above will be described in detail with reference to the flowchart of FIG.

First, the network computer terminal 136 of the first affiliated store 132 connects to the web server 144 through an internet communication network, and provides product information on a predetermined product to be registered as a purchase reservation target in the form of multimedia data. Then, the registration process for providing information on the price and the reservation period of the product is performed (step S50).

Accordingly, in the purchase reservation management server 146, the multimedia data, price, and reservation period information of the product information on the product registered for the purchase reservation received from the network computer terminal 136 of the first affiliated store 132 is provided on the web. And the cyber money of the product is determined through the exchange of information with the network computer terminal 136 of the first affiliated store 132 through the web page of the website built on the server 144. It will be posted on the server 144 website.

In this state, the user network computer terminal 130 connects to the web server 144 via an internet communication network, and issues a credit card (CD) of the credit card user US on the web site of the web server 144. In accordance with the user number and password given in accordance with the login (step S51), the purchase reservation management server 146 through the website of the web server 144 to register the relevant information of the target product registered for the purchase reservation The announcement is made (step S52).

Accordingly, the user network computer terminal 130 requests information for requesting a purchase reservation for a product desired by the credit card user US from among the products targeted for purchase reservation published on the website of the web server 144. Generate and transmit (step S53), the purchase reservation management server 146 performs a predetermined contract form by exchanging information with the user's network computer terminal 130 through the website of the web server 144 The contract of purchase reservation according to the above is concluded (step S54).

On the other hand, when the purchase reservation management server 146 and the user network computer terminal 130 is concluded a contract of purchase reservation, the first affiliated store 132 registered information on the agreement of the purchase reservation product corresponding product The network computer terminal 136 is notified (step S55), and the credit card management server 154 is connected through the Internet communication network and applied for the loan amount equivalent to the cyber money granted for the goods for which the reservation is made online. (Step S56).

Accordingly, the credit card management server 154 determines whether the credit card user US who has made a contract for purchase reservation in the card information database 156 according to the loan application of the purchase reservation management server 146. After retrieving whether or not, it is connected to the financial settlement server 160 through the value-added network and deposits a loan amount equivalent to the cyber money of the product for which the purchase reservation is made to the payment account opened by the purchase reservation management server 146. (Step S57).

The purchase reservation management server 146 is connected to the financial settlement server 160 through the value-added network and the second merchant 134 registered as a presenter of the gift for the loan paid from the credit card management server 154. It is possible to process the deposit in the opened payment account (step S58), and the network computer terminal 136 of the first affiliated store 132 of the affiliated store for the purchased goods through the financial settlement server 160 The amount corresponding to a predetermined margin rate is deposited into the payment account opened by the purchase reservation management server 146 (step S59).

In addition, the purchase reservation management server 146 is connected to the guarantee insurance management server 162 through the value-added network, loan guarantee using a certain ratio of the amount of the fixed margin rate received from the first merchant 132. You will be enrolled in insurance online.

On the other hand, the purchase reservation management server 96 is received from the credit card management server 102 in accordance with the purchase reservation of a specific product of the credit card user (US) using the amount of the margin margin received from the merchant. The principal and interest of the loan are repaid monthly or quarterly (step S60).

In this state, the second affiliated store 134 allows the credit card user US to access the Internet communication network online via a network computer terminal 130 or to visit the affiliated store offline to request a free gift. On the basis of the card information of the credit card (CD) input from the user's network computer terminal 130, the credit card management server 154 checks the purchase reservation state of a predetermined product, or the card inquiry terminal 142 By performing the procedure of confirming the purchase reservation status by the credit card (CD) through, when the purchase reservation status is confirmed, a free gift of a price corresponding to the amount of the loan paid from the purchase reservation management server 146 is applied. Presented to the credit card user US (step S61).

Then, the credit card user US accesses a web site established by the first affiliated store 132 online over an internet communication network through a network computer terminal 136, or the credit card user US offline. Visits directly and purchases the product reserved for purchase using a credit card (CD) within the reservation period (step S62).

At this time, the card inquiry terminal 138 of the first affiliated store 132 performs the card payment approval request of the credit card (CD) to the credit card management server 154 through the value-added network server 152 ( In step S63), the credit card management server 154 processes the card payment of the credit card (CD) (step S64).

Thereafter, the credit card management server 154 notifies the purchase reservation management server 146 of the product purchase status within the purchase reservation period based on the details of the card payment approval process for the credit card CD. (Step S65).

That is, in the fifth embodiment of the present invention made as described above, when the first affiliated store 132 corresponds to, for example, a gas station, and a product registered as a purchase reservation at the gas station is a gas product, for example, 6 months or 1 A reservation period, such as a year, and a purchase price such as 1.5 million won (ie, the amount calculated based on the fuel economy of the vehicle owned by the credit card user (US)) are presented to the credit card user (US) If the agreement is concluded, the credit card user (US) can repeatedly use the credit card (CD) to refuel the vehicle within the purchase reservation period. The purchase agreement must be purchased to fulfill the contract.

In addition, in the fifth embodiment of the present invention, when the second affiliate store 134 is a department store, for example, when a loan is paid from the purchase reservation management server 146, the second affiliate store 134 prepays the goods. Designated as a paying gratuitous company, any product of a department store corresponding to the amount of the loan can be given as a free gift to a credit card user (US) who has made a purchase reservation for the first affiliated store 132.

The present invention having the above-described embodiments can be carried out without departing from the gist of the present invention without departing from the gist of the present invention. It is limited to credit cards only, but it can be widely applied to electronic money, membership cards of specific groups or services (such as condo membership cards or social club membership cards), and all the various credit card methods used on the Internet. Of course it is.

In addition, in the embodiment of the present invention, the loan application for the loan for the purchase reservation of a specific product is illustrated to be possible through a credit card, but electronic money, a membership card of a specific group or service (for example, a membership card of a department store), the Internet It can be widely applied to all the various credit card types of credit card used in the bank, and the lending subject of the loan is not limited to the credit card manager, but all financial institutions and commerce companies (e.g. banks, Of course, it can be widely applied to department stores, Internet shopping malls, credit investment institutions, and securities institutions.

As described above, according to the present invention, a commerce company that sells a certain product or service can grant a separate credit limit to a credit card user who wants to purchase the product or service, and to a certain ratio of such credit limit. By making the relevant credit deposit available to credit card companies, it is possible not only to suppress the increase in bad debts caused by bad credit card transactions, but also to increase the use of unused dormant cards as loyal customers. It will have the effect of securing.

In addition, in the present invention, if a certain amount of deposit is deposited for an unissued subject who is not eligible for issuance of a credit card, a credit card with a total credit limit determined according to the deposit can be issued, thereby providing Not only can it promote potential consumption, but it can also make a significant contribution to the vitalization of the overall financial transaction and commerce market.

In addition, in the present invention, when a reservation is made for the purchase of a specific product by a credit card user having a credit card, a loan equal to the prepaid amount granted according to the purchase reservation is paid from the credit card company, and within the purchase reservation period. By providing a certain prepaid gratuitous benefit to credit card users, subject to the purchase of a reserved product, it can not only inspire the credit card user's willingness to purchase, but also increase the sales of credit card merchants and the service of users. The function is improved, and the credit card company's sales can be increased.

Claims (47)

A credit card payment system that uses a credit card that has been given a certain total credit limit to pay for a product or service sold by a number of commerce companies, A disclosure medium means for disclosing credit guarantee information to a user of a credit card for granting an additional credit limit as a condition of purchasing a product or service sold by the plurality of commerce companies using a credit card; A credit limit agreement processing means for performing a purchase agreement and a purchase settlement process so that a predetermined product or service to which the credit limit is granted is purchased by using a credit card, and to give the credit card an agreed credit limit; Notify the grant of the credit limit according to the purchase agreement request of the credit limit agreement processing means, and the total credit limit of the credit card according to the purchase payment request of the credit limit agreement processing means for the product or service to which the credit limit has been granted. Value-added communication means for performing a purchase settlement process using the added credit limit; In the state of issuing a credit card to which a basic total credit limit is granted, the credit limit is determined for each commerce company and a specific product or service, and the credit limit is granted through the value-added communication means. Conditional credit guarantee point credit system according to credit card issuance credit, characterized in that consisting of credit card management means for managing the payment processing of products or services granted credit limit using the card. The credit card according to claim 1, wherein the disclosure medium means comprises any one of a ground medium, an air / wired broadcasting medium, a telecommunication medium, a wireless mobile communication medium, and a wired / wireless online communication medium. Conditional credit guarantee points earning system according to the issued credit. The method of claim 2, wherein the credit guarantee information disclosed in the disclosure medium means includes a name of a commerce company, a product or service name, price information for each product or service, and a credit limit that can be granted for each product or service. Conditional credit guarantee points earning system according to credit card issuing credit. The credit limit agreement processing means of claim 1, comprising a credit card inquiry terminal arranged at each commerce company to notify a purchase payment processing of a predetermined product or service using a credit card and to notify a grant status of a credit limit. Conditional credit guarantee points earning system according to the credit card issuing credit, characterized in that. The method of claim 1, wherein the credit limit agreement processing means performs an online exchange through the Internet communication network for the processing of purchase and settlement of a product or service for which a credit limit is disclosed and a notification of grant of credit limit using a credit card. Computer terminal for network, A web server connected to the value-added communication means to perform a purchase payment process according to a purchase payment request from the network computer terminal, and to notify online of an approval of granting a credit limit for a product or service to be purchased. Conditional credit guarantee points earning system according to credit card issuing credit, characterized in that configured. The landline telephone according to claim 1, wherein the credit limit contract processing means performs a payment settlement processing of a product or service for which a credit limit is disclosed and an exchange of information for notification of grant of credit limit through a public telephone network using a credit card. With a terminal, Connected to the value-added communication means, performs a payment process according to a purchase payment request from the wireline telephone terminal using a voice automatic guidance function and a text information service function, and a contracted credit for the product or service to be purchased; Conditional credit guarantee point earning system according to the credit card issuance credit, characterized in that it comprises a public telephone exchange to remotely notify the grant granted through the public telephone network. The mobile communication system according to claim 1, wherein the credit limit contract processing means performs a mobile communication network for using a credit card to exchange information for purchase settlement processing of a product or service for which a credit limit is disclosed and notification of grant of a credit limit. With a terminal, Connected to the value-added communication means, performs a purchase payment process according to a purchase payment request from the mobile communication terminal using a voice automatic guidance function and a text information service function, and commits credit for a product or service to be purchased and paid; Conditional credit guarantee point earning system according to the credit card issuing credit, characterized in that it comprises a mobile communication exchange for wirelessly remotely notifying the approval of the limit through a wireless communication network. The conditional credit guarantee point accumulation system according to credit card issuance credit according to claim 1, wherein the credit card management means receives a credit guarantee for each commerce company in exchange for authorization of the credit limit. 10. The method of claim 8, wherein the credit card management means sets the amount of the credit guarantee as a predetermined percentage of the credit limit promised for a given product or service. system. A credit card payment method that uses a credit card to which a certain total credit limit is assigned to make a purchase payment for a product or service sold by a number of commerce companies. Publishing credit guarantee information including a credit limit determined for a product or service to be sold through a public announcement medium and a predetermined contract period by the plurality of commerce companies; A user of a credit card enters into a purchase agreement for a product or service which he / she wishes to purchase with respect to the commerce company as a result of the inquiry of the disclosure medium; Informing the credit card management system of the credit guarantee information and information on the credit card user who has made a purchase agreement in the commerce company; When making a payment for a product or service that has been purchased within a contract period determined by the purchase agreement based on the credit guarantee information, a credit limit of the product or service is assigned to purchase a payment using a credit card user's credit card. Conditional credit guarantee points earning method according to the credit card issuing credit, characterized in that the processing is made. 11. The method of claim 10, wherein the step of entering into a purchase agreement for a product or service that the merchant wants to purchase, Credit guarantees having an amount according to a certain percentage of the credit limit, and the credit limit amount except the fixed percentage of the credit guarantee as a payment for the credit limit committed to the product or service to which the purchase contract is made by the commerce company. Conditional credit guarantee points earning method according to the credit card issuing credit, characterized in that further comprising the step of paying the credit premium to the credit card management system. 12. The credit card management system of claim 11, wherein if the credit card user does not purchase the product or service promised to purchase even after the contract period determined by the purchase agreement based on the credit guarantee information, the credit card user credits the credit card user. The credit card issuance credit earning method according to the credit card issuance credit characterized in that the claim is made to claim the amount of the repayment of the deposit, the credit guarantee is refunded to the commerce company. 11. The method of claim 10, wherein the user of the credit card enters into a purchase agreement for a product or service that the user wishes to purchase with the commerce company. Conditional credit guarantee according to the credit card issuing credit, characterized in that the credit card user further comprises the step of transferring the credit guarantee information for the predetermined product or service for which the purchase agreement is made to other credit card users within the contract period How to earn points. 11. The method of claim 10, wherein the step of making a purchase payment processing using the credit card of the credit card user, The method further includes the step of granting additional points to the purchased credit limit when the payment process is processed using a credit card for a product or service that has been purchased on a specific day and date set by the commerce company and the credit card management system. Conditional credit guarantee points earning method according to the credit card issuing credit, characterized in that made. 11. The method of claim 10, wherein the step of making a purchase payment processing using the credit card of the credit card user, Points added to the purchased credit limit when a payment process is made using a credit card for a product or service that has been purchased at a specific day and date arbitrarily set by the credit card user who has made a purchase agreement with the commerce company. Conditional credit guarantee points earning method according to the credit card issuing credit, characterized in that further comprises the step of being granted. A credit card payment method that uses a credit card to which a certain total credit limit is assigned to make a purchase payment for a product or service sold by a number of commerce companies. Publishing credit guarantee information including a credit limit determined for a product or service to be sold through a disclosure medium by the plurality of commerce companies; A user of a credit card purchases a product or service using a credit card, which he / she wants to purchase with the commerce company, with an additional credit limit contracted for the product or service as a result of the inquiry of the disclosure medium; Informing the credit card management system of the credit guarantee information and information on the user of the credit card for which the purchase is made; Conditional payment according to the credit card issuance credit, characterized in that the credit card management system is charged with the credit card payment for the product or service purchased by receiving the added credit limit, and the payment payment to the commerce company How to Earn Credit Guarantee Points. The method of claim 16, wherein the credit card user purchases a product or service that he or she wishes to purchase from a commerce company, A credit guarantee having an amount corresponding to a certain percentage of the credit limit, and a credit limit excluding a certain percentage of the credit guarantee, as a consideration for granting a credit limit committed to a product or service sold by a commerce company in the credit card management system. Conditional credit guarantee points earning method according to the credit card issuance credit, characterized in that further comprising the step of charging a credit premium for the amount. The method of claim 16, wherein the step of paying a payment fee to a commerce company in the credit card management system, Conditional credit guarantee points earning method according to the credit card issuing credit, characterized in that the credit card management system is configured to pay the rest of the credit card and the rest of the card fee as the payment. 17. The method of claim 16, wherein the step of making a payment process using the credit card of the credit card user is performed When a payment process is performed using a credit card for a product or service to which a credit limit is assigned to a specific day and date set by the commerce company and the credit card management system, an additional point is granted to the credit limit. Conditional credit guarantee points earning method according to the credit card issuing credit, characterized in that made. 17. The method of claim 16, wherein the step of making a payment process using the credit card of the credit card user is performed If a purchase process is processed using a credit card for a product or service that has been given a credit limit on a specific day and date arbitrarily set by the credit card user, an additional point is granted to the credit limit imposed by the purchase payment. Conditional credit guarantee points earning method according to the credit card issuing credit, characterized in that further comprising the step. A credit card payment method that uses a credit card to which a certain total credit limit is assigned to make a purchase payment for a product or service sold by a number of commerce companies. Publishing credit guarantee information including a credit limit and a period of time determined for a product or service to be sold through a disclosure medium by the plurality of commerce companies; A user of a credit card purchases a product or service using a credit card, which he / she wants to purchase with the commerce company, with an additional credit limit contracted for the product or service as a result of the inquiry of the disclosure medium; Paying the credit card management system with interest of a credit card generated during a fixed term for a product or service sold by the commerce company to the credit card user; After the deferral period has elapsed, the credit card management system bills the credit card user for the product or service purchased by the credit card user, and processes the payment for the rest of the credit card fee to the commerce company. Conditional credit guarantee points earning method according to the credit card issuing credit. 22. The method of claim 21, wherein the credit card user purchases a product or service that he or she wishes to purchase from a commerce company using a credit card. And providing the credit card management system with an amount of credit according to a certain percentage of the credit limit as a payment for the credit limit for the product or service sold by the commerce company. How to earn conditional credit guarantee points based on credit card issuance credits. A credit card payment method that uses a credit card to which a certain total credit limit is assigned to make a purchase payment for a product or service sold by a number of commerce companies. Publishing credit guarantee information including a credit limit determined by a plurality of commerce companies and a period of interest-free installment service for a product or service to be sold through a public announcement medium; A user of a credit card purchases a product or service using a credit card, which he / she wants to purchase with the commerce company, with an additional credit limit contracted for the product or service as a result of the inquiry of the disclosure medium; Paying the credit card management system the installment interest of the credit card generated during the interest-free installment service period for the goods or services sold to the credit card user by the commerce company; Billing the principal of the product or service purchased by the credit card user to the credit card user during the interest-free installment service period, and processing the remaining payment with the card fee limited to the commerce company in the credit card management system. Conditional credit guarantee points earning method according to the credit card issuing credit. 24. The method of claim 23, wherein the credit card user purchases a product or service that he or she wishes to purchase from a commerce company using a credit card. And providing the credit card management system with an amount of credit according to a certain percentage of the credit limit as a payment for the credit limit for the product or service sold by the commerce company. How to earn conditional credit guarantee points based on credit card issuance credits. A credit card payment method that uses a credit card to which a certain total credit limit is assigned to make a purchase payment for a product or service sold by a number of commerce companies. Disclosing on the credit guarantee communications information medium credit guarantee terms, including credit limits determined for a product or service that a particular commerce company intends to sell; A plurality of credit card users querying the disclosure contents of the credit guarantee communication information medium and presenting individual desired conditions based on the published credit guarantee information; When the auction deadline for the credit guarantee conditions has elapsed, the credit guarantee communication information medium wins the desired condition most suitable for the credit guarantee conditions of the commerce company among the desired conditions presented by the plurality of credit card users, and the credit card Informing the management system of the successful bidder and the successful credit guarantee information; Credit card issuing characterized in that the credit card user presenting the desired condition of the bid is granted a credit limit contracted according to the desired condition of the bid and purchases the product or service of the commerce company using a credit card. How to earn Conditional Credit Guarantee Points based on your credit. 27. The method of claim 25, wherein the credit card user purchases a product or service that has been won for a commerce company using a credit card, And providing the credit card management system with an amount of credit according to a certain percentage of the credit limit as a payment for the credit limit for the product or service sold by the commerce company. How to earn conditional credit guarantee points based on credit card issuance credits. The conditional credit guarantee point according to credit card issuance credit according to claim 25, wherein the credit guarantee conditions correspond to a price of a product or service, a credit limit, a deferment period, an interest-free installment period, an after-sales service period, and a delivery period. How to earn. A credit card payment method that uses a credit card to which a certain total credit limit is assigned to make a purchase payment for a product or service sold by a number of commerce companies. The credit card user designating a particular product or service and presenting the terms of the credit guarantee, including additional credit limits, through the credit guarantee communication information medium; Inquiring the conditions of the credit card user presented through the credit guarantee communication information medium in a plurality of commerce companies selling the specific product or service, and presenting individual desired conditions based on the conditions of the credit guarantee; When the reverse auction deadline for the credit guarantee conditions has elapsed, the credit guarantee communication information medium wins the desired condition best suited to the credit guarantee conditions presented by the credit card user among the desired conditions presented by the plurality of commerce companies. Informing the credit card management system of the successful bidder and the successful credit guarantee information; The credit card user is provided with a credit limit contracted according to the successful credit guarantee conditions, and purchases a product or service of a successful commerce company using a credit card. How to Earn Credit Guarantee Points. 29. The method of claim 28, wherein the credit card user purchases a product or service that has been won for a commerce company using a credit card, And providing the credit card management system with an amount of credit according to a certain percentage of the credit limit as a payment for the credit limit for the product or service sold by the commerce company. How to earn conditional credit guarantee points based on credit card issuance credits. 29. The conditional credit guarantee point according to claim 28, wherein the credit guarantee conditions correspond to a price of a product or service, a credit limit, a deferment period, an interest-free installment period, an after-sales service period, and a delivery period. How to earn. A credit card payment method that uses a credit card to which a certain total credit limit is assigned to make a purchase payment for a product or service sold by a number of commerce companies. Disclosing on the credit guarantee communication information medium the credit guarantee terms differentiated according to the number of expected purchase reservations for the purpose of joint purchase for a product or service that a specific commerce company wants to sell, A plurality of credit card users inquiring disclosure of the credit guarantee communication information medium, and making a reservation for purchase of the published credit guarantee information; After the joint purchase deadline for the credit guarantee conditions has elapsed, the credit guarantee conditions determined by the reservation numbers of the plurality of credit card users who have made a purchase reservation in the credit guarantee communication information medium and the credit card user who has made the purchase reservation Notifying the credit card management system; Credit card issuing credit comprising the step of purchasing a product or service of the commerce company using a credit card by receiving a credit limit contracted according to the credit guarantee conditions that the purchaser has made the purchase reservation How to Earn Conditional Credit Guarantee Points Under. 32. The method of claim 31, wherein the credit card user purchases a successful product or service for a commerce company using a credit card, And providing the credit card management system with an amount of credit according to a certain percentage of the credit limit as a payment for the credit limit for the product or service sold by the commerce company. How to earn conditional credit guarantee points based on credit card issuance credits. 32. The conditional credit guarantee point according to the credit card issuance credit according to claim 31, wherein the credit guarantee conditions correspond to a price of a product or service, a credit limit, a deferment period, an interest-free installment period, an after-sales service period, and a delivery period. How to earn. A credit card payment method that uses a credit card to which a certain total credit limit is assigned to make a purchase payment for a product or service sold by a number of commerce companies. Individually presenting credit guarantee terms for a particular product or service that multiple credit card users would like to purchase; A number of commerce firms selling a specific product or service may separately disclose on the credit guarantee communication information media the terms of the credit guarantee differentiated according to the number of purchase reservations for the purpose of joint purchase for the product or service to be sold. Steps, After a certain deadline, the credit guarantee communication information medium wins each commerce company that satisfies the individual credit guarantee conditions presented by the plurality of credit card users, and differentiates the credit guarantee conditions according to the number of purchase reservations. And notifying the credit card management system of the successful bidder and the credit card user who has made the purchase reservation, and the credit guarantee information that has been won, Credit card issuing credit comprising the step of purchasing a product or service of the commerce company using a credit card by receiving a credit limit contracted according to the credit guarantee conditions that the purchaser has made the purchase reservation How to Earn Conditional Credit Guarantee Points Under. 35. The method of claim 34, wherein the credit card user purchases a successful product or service for a commerce company using a credit card, And providing the credit card management system with an amount of credit according to a certain percentage of the credit limit as a payment for the credit limit for the product or service sold by the commerce company. How to earn conditional credit guarantee points based on credit card issuance credits. 35. The conditional credit guarantee point according to claim 34, wherein the credit guarantee conditions correspond to a price of a product or service, a credit limit, a deferment period, an interest-free installment period, an after-sales service period, and a delivery period. How to earn. Committing issuance of a credit card with a total credit limit to an unissued person who is not eligible to issue a credit card in the credit card management system, and requesting a deposit in advance based on the total credit limit; When the deposit is processed in advance by the non-issuing person, issuing a credit card to which the total credit limit is granted by the deposit to the non-issuing person; Conditional credit guarantee points earning method according to the credit card issuing credit, characterized in that consisting of the step of performing the purchase payment of a predetermined product or service using a credit card within the total credit limit. 38. The method of claim 37, wherein the total credit limit of the credit card issued to the non-issuing subject is set to settle a deposit. 38. The credit card management system of claim 37, wherein the non-issuing party purchases a product or service sold by granting an additional credit limit at a predetermined commerce company by using a credit card. Conditional credit guarantee points earning method according to the credit card issuing credit, characterized in that the credit limit committed from the commerce company is additionally assigned to the total credit limit. Performing online registration of a purchase reservation target product to a purchase reservation management server on an information communication network through an information communication terminal at a credit card affiliate store; The amount of cyber money for the purchase reservation target product registered by the credit card affiliate store is determined by the purchase reservation management server, and information communication of the credit card user who accesses the information of the purchase reservation target product online through an information communication network. Transmitting online to the terminal, When the information communication terminal of the credit card user requests a purchase reservation for a specific product, signing a purchase reservation agreement by exchanging information through an information communication network between the information communication terminal of the credit card user and the purchase reservation management server; Informing the information communication terminal of the credit card affiliate store of the purchase reservation at the purchase reservation management server, and applying to the credit card management server for a loan amount corresponding to the amount of cyber money given to the product reserved for purchase; Paying the loan received from the credit card management server online to the credit card merchant, and receiving a predetermined margin rate for the purchase reservation product from the credit card merchant; The credit card management server within the purchase reservation period using the predetermined margin rate amount of the purchase reservation product received from the credit card merchant, provided that the credit card user purchases the product reserved for purchase using the credit card within the reservation period. Conditional credit guarantee points earning method according to the credit card issuance credit, characterized in that consisting of the step of repaying the principal and interest of the loan. 41. The method of claim 40, wherein in the step of performing the registration of the purchase reservation target product online, the information of the registered product includes multimedia information indicating a product specification of the product, information of a price and a reservation period, and sale of the product. Conditional credit guarantee points earning method according to the credit card issuance credit, characterized in that made including a certain margin rate information for the price. The method of claim 40, wherein the repayment of the principal and interest of the loan to the credit card management server within the purchase reservation period using a predetermined margin rate amount of the purchase reservation product received from the credit card merchant, Further comprising the step of subscribing to the loan guarantee insurance for the purchase reservation agreement, When the purchase reservation management server receives the product non-purchase information within the purchase reservation period for the credit card user, the loan guarantee insurance to request the insurance processing of the loan online, according to the credit card issuing credit How to earn Conditional Credit Guarantee Points. The method of claim 40, wherein the repayment of the principal and interest of the loan to the credit card management server within the purchase reservation period using a predetermined margin rate amount of the purchase reservation product received from the credit card merchant, When the purchase reservation management server receives the product non-purchase information within the purchase reservation period for the credit card user, conditional credit according to the credit card issuing credit characterized in that the credit card user is requested to repay the loan online. How to Earn Warranty Points. 41. The method of claim 40, wherein in the step, the information communication terminal performs information access through a network computer terminal for performing information access through an internet communication network, a mobile communication terminal for performing information access through a wireless communication network, and a cable network. Credit card issuing credit, characterized in that any one of a two-way cable television, a kiosk device for performing information access through a data communication network, a portable advertising terminal for transmitting local advertising according to the user's moving area, landline telephone, PDA device How to Earn Conditional Credit Guarantee Points. The first credit card affiliate performs registration of the purchase reservation target product online with respect to the purchase reservation management server on the information communication network through the information communication terminal, and the purchase reservation management server on the information communication network through the information communication terminal at the second credit card affiliate Registering online as a free gift giveaway on a purchase reservation for, The amount of the cyber money for the purchase reservation target product registered by the first credit card affiliate store is determined by the purchase reservation management server, and the information on the purchase reservation target product is accessed online through an information communication network. Transmitting to an information and communication terminal for online disclosure; When the information communication terminal of the credit card user requests a purchase reservation for a specific product, signing a purchase reservation agreement by exchanging information through an information communication network between the information communication terminal of the credit card user and the purchase reservation management server; The purchase reservation management server notifies the information and communication terminals of the first and second credit card affiliate stores of the purchase reservation agreement, and the loan amount of the amount according to the amount of the cyber money granted to the product reserved for purchase to the credit card management server. Applying for, Paying the loan payment received from the credit card management server online to the second credit card affiliate store and receiving an amount of a predetermined margin rate for the purchase reservation product from the first credit card affiliate store; The schedule of the purchase reservation product received from the first credit card merchant under the condition that the credit card user receives a free gift from the second credit card merchant and purchases the reserved product using a credit card within a reservation period. Conditional credit guarantee points earning method according to the credit card issuing credit, characterized in that consisting of repaying the principal and interest of the loan to the credit card management server within the purchase reservation period using the margin rate amount. 46. The method of claim 45, wherein in the step of performing the registration of the purchase reservation target product online, the information of the registered product includes multimedia information indicating a product specification of the product, information of a price and a reservation period, and sale of the product. Conditional credit guarantee points earning method according to the credit card issuance credit, characterized in that made including a certain margin rate information for the price. 46. The method of claim 45, wherein the repayment of the principal and interest of the loan to the credit card management server within a purchase reservation period using a predetermined margin rate amount of the purchase reservation product received from the credit card merchant, Further comprising the step of subscribing to the loan guarantee insurance for the purchase reservation agreement, The purchase reservation management server is conditional according to the credit card issuance credit, characterized in that when the credit card user receives the product non-purchase information within the purchase reservation period, the loan guarantee insurance to request the insurance processing of the loan online How to Earn Credit Guarantee Points.