KR20020016716A - Product sales method through loan service - Google Patents

Abstract

PURPOSE: A method for selling goods is provided to arrange the financial loan service on the Internet and to support a user or users to purchase goods within the range of loaned money provided by a financial company. CONSTITUTION: A sale and maintenance contract for a goods sale method connected with the financial loan service is made between an ISP(Internet Service Provider) and a financial company(1). Based on this contract, the ISP provides loan contents to the financial company(2). The financial company provides information for the goods sale method connected with the financial loan service to a customer(3). As information is provided, procedures for loan investigation and approval are carried out between the customer and the financial company(4). Also an online order is made between the customer and the ISP(5). An order according to the loan application and approval is placed between the financial company and the ISP(6).

Description

PRODUCT SALES METHOD THROUGH LOAN SERVICE}

The present invention relates to a method of selling goods using the Internet, and more particularly, to a method of selling goods in connection with a financial loan service for supporting each member freely purchasing goods within a range of loan amount from a financial company on the Internet. It is about.

The Internet is regarded as a means of fundamentally changing the paradigm of the new economy of the 21st century by enabling the democratization of information to the public. Currently, the public is receiving various services on the Internet through terminals such as TVs and mobile phones as well as computers. An example of trading a desired item without visiting a department store or a shopping mall and trading a stock without visiting a store is a result of the spread of the Internet.

As such, it is true that the Internet is confined to commodity trading, information provision, and commercial advertising today, but it is expected that in the future, it will provide netizens with various services in all industries, such as medical services and financial services.

Meanwhile, the financial industry provides loan services, account transfers, and insurance services through the Internet as part of providing convenience for customers as the Internet spreads and develops. These financial services are convenient in that netizens can receive financial services without visiting financial institutions, but they also cause inconveniences that they have to involve cash transfers depending on the borrower's use of funds.

For example, in the case of applying for a loan for the purpose of marriage funds, the loan applicant is inconvenient to purchase a commodity by visiting a commodity store with the loaned cash after obtaining a loan from a financial company. Even if you buy the goods, there is a restriction that you can not buy the desired goods due to the restrictions on the card use.

Therefore, if you can receive financial loans on the Internet that are becoming more common and can freely purchase goods that netizens desire within the amount of loans, you will not only increase the convenience of Internet users, but also promote electronic commerce and improve the quality of financial services. Could be.

Accordingly, an object of the present invention is to provide a method of selling goods linked to a financial loan service that supports arranging a financial loan service on the Internet on-line and purchases a product within a loan amount provided from a financial company.

Still another object of the present invention is to provide a method for selling goods linked to a financial loan service that supports arranging financial loan services on the internet on-line and supports purchase of goods within a loan amount provided by a financial company on-line. Is in.

1 is a block diagram of a product sales system associated with a financial loan service according to an embodiment of the present invention.

2 is a view for explaining the transaction relationship between the goods sales system components associated with the financial loan service according to an embodiment of the present invention.

3 is a flowchart illustrating a method of selling goods associated with a financial loan service made on-line according to an embodiment of the present invention.

4 is a flowchart illustrating a method of selling goods associated with a financial loan service performed off-line according to an embodiment of the present invention.

In order to achieve the above object, the present invention provides a product sales system associated with a financial loan service in which consumer terminals, financial company servers, merchant terminals, and an Internet service provider server are interconnected through a communication network.

Registering a member to log in to the Internet service provider server;

Selecting an arbitrary financial company on the information page provided by the Internet service provider and linking with the corresponding financial company server;

Loan application and loan approval to the linked financial company server,

Transmitting loan information for the loan applicant to the Internet service provider server;

Loan applicant through his terminal to order goods online on the information page of the merchants provided by the Internet service provider;

The Internet service provider is characterized by consisting of the process of ordering the goods ordered by the loan applicant through the communication network to the affiliated store and billing and paying the sales amount of the goods to the financial company and the merchant, respectively.

Hereinafter, an article selling method associated with a financial loan service according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings. In the following description and the annexed drawings, many specific details are set forth in order to provide a more thorough understanding of the present invention, such as specific financial companies, the names of merchants of ISPs and specific processing flows, and the like. It will be apparent to those skilled in the art that the present invention may be practiced without these specific details. Meanwhile, a detailed description of well-known functions and configurations, for example, a user terminal PC and an Internet service provider (ISP), which may unnecessarily obscure the gist of the present invention, will be omitted.

First, FIG. 1 illustrates a block diagram of an article sales system associated with a financial loan service according to an embodiment of the present invention, and FIG. The figure for explaining a transaction relationship is shown.

Referring to FIG. 1, first, an Internet service provider (hereinafter referred to as an ISP) server 30 of an item selling system associated with a financial loan service according to an embodiment of the present invention is connected to a plurality of communication networks 10. It is connected to the consumer terminal PCs 50a,..., 50n to provide financial loan service information and product sales information to members who are consumers. In addition, the ISP server 30 is connected to the merchant terminals (60a, ..., 60n) through the communication network 10, and informs whether or not to purchase the goods when there is a request for credit information of the goods buyer from the merchant terminal . In addition, the ISP server 30 may order the goods to the merchant terminal (60a, .., 60n) that is the goods distributor when the goods order is made on-line, may be ordered off-line.

Meanwhile, the financial institution server 40 is also connected to the ISP server 30 through the communication network 10, and when there is a loan inquiry from a specific member through the ISP server 30, the credit limit of the loan applicant is evaluated to present the maximum loan amount. After the loan approval process, the loan applicant is notified on-line. In addition, the financial company server 40 provides loan information including the maximum loan amount and loan applicant identification information to the ISP server 30 after the loan approval for any loan applicant.

It is apparent that the above-described ISP server 30 and the financial institution server 40 have a database in the server that stores loan information for each member as well as member information (also in the embodiment of the present invention). will be.

Meanwhile, the communication network 10 is connected to the ISP server 30 and the plurality of consumer terminals 50a to 50n, the financial company server 40, and the merchant terminal 60a through a physical transmission medium 20 such as an optical cable or a public telephone network. It serves to physically connect ˜60n). Each of the consumer terminals connected to the communication network 10 through the physical transmission medium 20 requests the ISP server 30 to transmit the information required by the consumer, and displays the received information on the display unit. give. Representative examples of such consumer terminals include personal computers and portable wireless terminals (PDAs, mobile phones, moving picture terminals). In the embodiment of the present invention, a personal computer is taken as an example, and its configuration can be classified into a communication unit, a controller, a user interface, a display unit, and an auxiliary memory device as in a general PC.

FIG. 2 illustrates a transaction relationship that is performed on-line or off-line between components in a product sales system associated with a financial loan service having the above-described configuration.

Referring to FIG. 2, a sales and maintenance contract is made between the ISP 30 and the financial company 40 for a method of selling an article linked to a financial loan service as a first step, and according to the contract, the ISP 30 As a step (2), loan content is provided. Then, the financial company 40 provides the consumer 30 with information on how to sell the goods associated with the financial loan service (step ③). The provision of this information may be on-line or off-line, and the information may also be provided by the ISP 30.

By providing the above information, the loan review and approval procedure (step ④) is performed between the consumer 30 and the financial company 40. The loan review and approval process may be performed on-line through the ISP 30 or may be directly performed between the financial company 40 and the consumer 30. Meanwhile, an on-line order (step ⑤) is made between the consumer 30 and the ISP 30, while an order (step ⑥) is made between the financial company 40 and the ISP 30 according to the loan application and approval. In addition, an affiliate contract (step ①-1) should be concluded between the ISP 30 and the affiliate store 60, which is a merchandise dealership, and the order (step ⑦), sales slip submission (step ⑨), and settlement are made according to the agreement. (Step VII) takes place. In addition, a delivery (step ⑧) relationship is formed between the consumer 30 and the affiliated store 60, and offline visits, contracts, and orders (⑤-1 step) are made. For example, as illustrated in FIG. 2, merchants registered in the ISP 30 may include a wedding hall, a wedding event company, a gift, a coma, a coma, a hospital, and the like.

That is, consumers apply for a financial loan service to the financial institution server 40 through the ISP server 30 as shown in FIG. 2 and through the merchants 60 online or offline within the loan amount limit according to the application result. You can buy it.

Hereinafter, with reference to FIGS. 3 and 4, a method of purchasing a product (on sale from an ISP through an ISP) by a consumer (loan applicant) on-line and off-line will be described.

3 is a flowchart illustrating a method of selling goods associated with an on-line financial loan service according to an embodiment of the present invention, and FIG. 4 is a financing performed off-line according to an embodiment of the present invention. Each flowchart is illustrated to describe a method of selling goods associated with a loan service.

Referring to FIG. 3, a consumer 50 who wants to obtain a loan first logs in to the ISP server 30 through a communication network 10 with his terminal (step 100). When the user logs in to the ISP server 30 as described above, the home page provided by the ISP is displayed on the terminal of the registered consumer 50 (step 110). In the embodiment of the present invention, the information on the home page, such as banks, credit card companies, insurance companies, etc. to support financial loan services, and information and banner advertisements for merchants such as wedding halls, wedding event companies, lethargy, coma furniture, etc. It is started together.

Meanwhile, the consumer 50 selects one of the financial companies disclosed on the home page by using his terminal (step 120). In this way, the ISP server 30 and the financial company server 40 are linked to each other (step 130) when selecting a financial company. When the financial company server 40 and the ISP server 30 are linked, the consumer 50 applies for a financial loan 140 using his terminal. When applying for a financial loan, the financial institution evaluates the creditor's creditworthiness by inputting the identification information required by the financial institution, calculates and presents the maximum loan amount according to the evaluation result, and the loan applicant views the prescribed maximum loan amount. After the loan application is finally completed through the application or confirmation procedure, the financial institution server 40 approves the loan application (step 150) and transmits the loan information for the loan applicant to the ISP server 30 in response to the financial institution. Complete the order from the side (step 160).

On the other hand, the loan applicant, that is, the consumer 50 who has approved the loan, performs an on-line order (step 170) for the item to be purchased through the merchants on the information page provided by the ISP through his terminal. When the on-line order is completed, the ISP server 30 checks whether the total purchase price of the on-line ordered item is within the maximum limit of the loan applicant's loan and orders the corresponding item to the merchant terminal (step 180). Because it is not usually a one-time purchase of goods, a service provider can manage the balance of loan applicants by subtracting the purchase price of the loan from the maximum amount of the loan. Support the program to change and delete orders. In addition, it is possible to designate the period of use of the loan amount borrowed from the financial company to facilitate the e-commerce.

As described above, when the order is completed to the affiliated store terminal 60, the affiliated store delivers the goods ordered by the loan applicant through its own or a courier company (190) and submits a sales slip to the ISP (step 200). Then, the ISP collects the submitted sales slip and bills the financial institution (step 210), and accordingly, the financial company pays the billed amount (step 220). You can conveniently purchase the items you want on the Internet, and the Internet Service Provider (ISP) can act as a mediator to connect merchants, financial firms and consumers on the Internet, and merchants can also increase their sales through ISPs. The effect may be slow. 3 and 4 indicate that the portion shown by the dotted line is made off-line, but the sales slip submission 200, billing 210, payment 220 may be made on-line.

Hereinafter, a method of selling goods off-line will be described with reference to FIG. 4. Processes until receiving the financial loan service are the same as those described with reference to FIG. 3. That is, the consumer receives approval for the loan service application from the financial company through the ISP server 30 and the financial company server 40 through the same process as in steps 100 to 160. When the approval for the loan application is completed, the loan applicant visits the merchant store as needed and orders the goods (step 300). In this case, the affiliated store requests confirmation of loan information of the buyer of the goods to the ISP server 30 to inquire whether the buyer of the goods is the loan applicant using the Internet (step 310). The ISP server 30 checks the loan information of the current buyer when the loan information confirmation request is made and grants the approval when the product purchase power is available (step 320). Then, after confirming the approval data transmitted from the ISP server 30, the merchant completes the contract and delivers the corresponding item to the buyer of the item (step 190) and submits a sales slip to the ISP (step 200). The ISP then collects the submitted sales slip and bills the financial institution (step 210) and accordingly the financial institution pays the billed amount (step 220) so that the consumer is provided with financial loan services on-line and off-line. You will be able to purchase goods on

Therefore, the present invention provides a loan service from any financial company through the Internet, and can conveniently purchase the goods on-line or off-line within the range of the loan limit provided without accompanying cash.

Meanwhile, in the above description of the present invention, specific embodiments have been described, but various modifications may be made without departing from the scope of the present invention. Therefore, the scope of the invention should not be defined by the described embodiments, but should be defined by the equivalents of the claims and the claims.

As described above, the present invention is provided with a loan service from any financial company through the Internet, and can purchase goods on-line or off-line within the loan limit, thereby improving convenience of the Internet user. In addition, financial companies have an effect that can double the operating profit by increasing the demand of lending users. In addition, the merchandise seller has an effect that can act as a driving force to improve the sales profitability.

Claims (6)

In an article sales system associated with a financial loan service in which consumer terminals, financial institution servers, merchant terminals, and an Internet service provider server are interconnected through a communication network, Registering a member to log in to the Internet service provider server; Selecting an arbitrary financial company on the information page provided by the Internet service provider and linking with the corresponding financial company server; Loan application and loan approval to the linked financial company server, Transmitting loan information for the loan applicant to the Internet service provider server; Loan applicant through his terminal to order goods online on the information page of the merchants provided by the Internet service provider; The Internet service provider orders the goods ordered by the loan applicant to the affiliated store through the communication network, and bills and pays the sales amount of the goods to the financial company and the affiliated store, respectively. . The method of claim 1, wherein the affiliated store further comprises a step of requesting delivery of goods to a courier company server through the communication network. The method of claim 1, wherein the loan information includes a loan maximum limit and loan applicant identification information. The method of claim 1, wherein the Internet service provider server receives an on-line order within a maximum loan limit. In an article sales system associated with a financial loan service in which consumer terminals, financial institution servers, merchant terminals, and an Internet service provider server are interconnected through a communication network, Registering a member to log in to the Internet service provider server; Selecting an arbitrary financial company on the information page provided by the Internet service provider and linking with the corresponding financial company server; Loan application and loan approval to the linked financial company server, Transmitting loan information for the loan applicant to the Internet service provider server; In the merchant, if the buyer is a loan applicant, requesting loan information of the buyer to the Internet service provider server; Transmitting goods purchase approval information to a merchant server according to the loan information request; The Internet service provider is a method of selling goods associated with a financial loan service, characterized in that the process of claiming and paying the product sales amount to the financial company and the merchant respectively. The method of claim 5, wherein the internet service provider server receives the selling price of the product from the merchant terminal and automatically deducts it from the maximum limit of the loan to manage the remaining limit of the loan applicant. .