KR20020094404A - System and method for providing reverse credit line - Google Patents

Abstract

PURPOSE: A system for supplying a reverse credit line and a method thereof are provided to enhance a credit limit of a service subscriber based on earnings according to an investment using service points. CONSTITUTION: A service subscriber joins as a member for receiving a service through a registered member company(20) cooperated with a service supplying device(10,ST2). The member company(20) issues a membership card to the subscriber(ST3). The member company(20) transmits member information to the service supplying device(10,ST4). If the service subscriber performs consumption in the member company(20) and suggests the membership card to the member company(20), the member company(20) calculates predetermined service points of the service subscriber(ST5). The member company(20) transmits point to the service supplying device(10,ST6). The service supplying device(10) updates a database based on the point, adds service points, creates a predetermined point pool, and performs an investment process(ST7). The service supplying device(10) calculates a reverse credit limit(ST8). The service supplying device(10) transmits risk security demand information with respect to the reverse credit limit to an insurance company(40,ST9). The insurance company(40) checks a risk security based on reverse credit limit information and transmits security confirmation information to the service supplying device(10,ST10). A credit card company(30) forms a reverse credit line based on the credit limit information(ST12) and supplies reverse credit line information to the service supplying device(10,ST13). The service supplying device(10) updates the database based on the reverse credit line information(ST14).

Description

System and method for providing reverse credit line

The present invention is to create a reverse point corresponding to the profit of the investment by using the service points earned from the member companies for the service subscriber's consumption, and to expand the width of the service subscriber's financial services with the reverse point as collateral A reverse credit line providing system and method thereof are provided.

Modern society is a society of competition, and recently, in order to attract more customers, the company is providing a service for granting a predetermined reserve for the consumption amount when purchasing or using the company's products.

In other words, when purchasing a company's product, a portion of the purchase price is returned to the consumer, and the consumer purchases another product using the amount accumulated by the company's product purchase, or returns to cash after a predetermined period of time. Will receive.

However, for the consumer, the reserve service has a small amount of the reserve, so in order to purchase another product, the consumer needs to deposit more cash, and even if the cash is returned for a long period or a short period, the amount is small. Consumers are often unaware of the effects of reserves.

Therefore, in recent years, a number of reserve merchants have cooperated to provide mutual reserves for the amount of money spent by affiliated companies.

However, even in the above case, the provision of reserves does not come to the consumer in a significant sense.

Accordingly, the present invention has been made in view of the above circumstances, and the service point granted to the service subscriber for the consumption through the member company is used for the investment, and the credit limit of the service subscriber is improved based on the profit generated by the investment. Its technical purpose is to provide a reverse credit line providing system and a method which can be used.

1 is a system configuration diagram showing a schematic configuration of a reverse credit line providing system according to the present invention.

Figure 2 is a block diagram showing the functional separation of the internal configuration of the service providing apparatus 10 shown in FIG.

FIG. 3 is a diagram showing a detailed information table configuration of the database 122 shown in FIG.

Figure 4 is a view for explaining a reverse credit line providing method according to the present invention.

***** Brief description of the main parts of the drawings *****

10: service providing device, 11: network connection,

12: server, 13: operator terminal,

20: member company, 30: credit card company,

40: insurance company, 50: investment company.

The reverse credit line providing system according to the first aspect of the present invention for achieving the above object is composed of a member company and a credit card company through a predetermined communication network, the service point granted to the service subscribers registered through the member company In the reverse credit line providing system comprising a service providing device for controlling to create a credit for the service subscriber based on the investment profits used, the member company has a predetermined service point for consumption at the member company of the subscribed service subscriber The service providing device makes an investment based on a point pool generated by summing service points of each service subscriber authorized by a member company, and converts the profits into reverse points for each service subscriber, and then reverses them. Calculate your credit line and reroute it to the credit card company It is configured to send credit limit information, characterized in that the credit card company provides a reverse credit line of the service subscriber to correspond to the reverse credit limit authorized from the service providing device.

In addition, the reverse credit line providing method according to a second aspect of the present invention for achieving the above object, the service is provided to the member subscribers and credit card companies are combined through a predetermined communication network, and provided to the subscribers In the reverse credit line providing method of the reverse credit line providing system comprising a service providing device for controlling to create a credit for the service subscriber based on the investment profit using the points, the member company in the member company of the subscribed service subscriber A service point granting step of granting a predetermined service point to consumption of the service provider; and the service providing apparatus generating a point pool by summing service points of respective service subscribers authorized by a member company, and generating the predetermined point pool. An investment group that makes investments using a point pool In addition, the service providing apparatus generates a reverse credit limit for each subscriber based on the investment profit generated in the investment step, and calculates a reverse credit limit corresponding thereto, and the credit card company calculates a reverse credit limit. It is characterized in that it comprises a reverse credit line providing step of providing a reverse credit line of the service subscriber based on the reverse credit limit information calculated in the.

In other words, as mentioned above, the service subscribers can increase the breadth of the financial services of the service subscribers by increasing the service points provided through the consumption done by the member companies through investment and creating the credit of the service subscribers as collateral. do.

Hereinafter, exemplary embodiments of the present invention will be described with reference to the accompanying drawings.

First, the "reverse credit line" according to the present invention means a credit line provided to the subscriber by using the service points accumulated from the member companies by the consumption of the subscribers for the investment and securing the investment profit. . And "Reverse credit line" means a credit line provided to service subscribers with the reverse point as collateral.

1 is a system configuration diagram showing a schematic configuration of a reverse credit line providing system according to the present invention.

As shown in FIG. 1, the reverse credit line providing system according to the present invention includes a member company 20 and a service providing apparatus 10 for controlling overall service provision according to the present invention through a predetermined communication network such as the Internet. It is configured in combination with the credit card company (30).

Here, although not shown, the member company 20 is configured to be combined with other affiliated members such as gas stations, restaurants / food companies, distributors / shopping companies, and the member company 20 for membership in the use of affiliated members at the time of membership of the service subscriber. The card is issued and a predetermined service point is provided according to the use of the membership card of the service subscriber.

The service providing apparatus 10 generates a predetermined point pool by summing service point information of service subscribers provided from the member companies 20. In addition, the service providing device 10 makes investments in stocks, start-up investments, real estates, etc. using this point pool, and secures reverse points corresponding to the investment profits generated by the investments to the credit card company 30 as collateral. The credit limit of the set subscriber is controlled.

That is, the service providing device 10 provides the reverse credit limit information generated by the reverse point in accordance with the point pool operation to the credit card company 30, thereby allowing the credit card company 30 to apply the reverse credit limit of the current subscriber. Control to provide a corresponding reverse credit line.

In this case, the service providing apparatus 10 may be configured to cooperate with the insurer 40 so as to subscribe to the loss insurance for the reverse credit limit generated by the investment profit from the point pool investment.

In addition, as shown in FIG. 1, the service providing apparatus 10 may be configured to cooperate with a predetermined investment company 50 to perform investment processing using the point pool in the investment company 50.

FIG. 2 is a block diagram showing functionally separated internal structure of the service providing apparatus 10 shown in FIG.

As shown in FIG. 2, the service providing apparatus 10 includes a network connection unit 11 that performs a data interface between a member company 20, a credit card company 30, and an insurance company 40, a server 12, and Comprising a key input means and a data output means such as a monitor is configured to include an operator terminal 13 for performing the operation control of the service providing apparatus 10.

Here, the server 12 is a service control unit 121 and the database 122 for controlling the overall operation of the service providing apparatus 10, and a data memory for temporarily storing the data processed by the service control unit 121 123 is configured.

And, as shown in Figure 2, the service control unit 121 and the general service management and operator terminal 13, such as data transmission and reception in accordance with the connection of the member company 20, credit card company 30 and insurance company 40, etc. The service management service unit 121a for performing the data interface, the member information processing unit 121b for processing the registered service subscriber information provided from the member company 20, and the service for the service subscriber provided from the member company 20. The service point processing unit 121c that generates the point pool by adding the point information, performs the predetermined investment processing based on the service pool information, and calculates the reverse point for each service subscriber so as to correspond to the investment profit. And a credit information processing unit 121e that calculates a reverse credit limit for each service subscriber based on the reverse point for each service subscriber.

Although not shown, the credit information processor 121e includes a predetermined reference information storage unit for storing reference reverse credit limit information corresponding to the investment profit.

Meanwhile, in FIG. 2, the database 122 includes a member information storage unit 122a for storing service subscriber information subscribed to receive the service, and a member company for storing affiliated company information for providing the service. And an information storage unit 122b and a point pool information storage unit 122c for storing point pool information generated by summing service points and reverse credit information.

Here, the member information storage unit 122a, as shown in Figure 3, by member ID of the registered service subscriber, password, name, contact information, card number issued by the credit card company 30, earning point information, investment Point information, reverse credit limit information, etc. are stored, and the member company information storage unit 122b stores access information for each member company identification code, trade name, contact number, member ID of the registered service subscriber, and service point provision information provided to the subscriber. Is stored.

As shown in FIG. 3, the point pool information storage unit 122c includes a member ID for each point pool identification code, a number of service points for each member ID, investment history information, investment profit and loss information, reverse credit limit information, and the like. Is stored.

On the other hand, in Figure 2, the database 122 is implemented in the server 12, but is preferably configured as a separate file server.

Next, the operation of the communication system having the above configuration will be described.

4 is a view for explaining a reverse credit line providing method according to the present invention.

First there are a number of member companies 20, such as gas stations, restaurants / grocers. The distribution / shopping company provides the member company registration information including the member company access information and the member company identification code information to the service providing device 10, and the service providing device 10 stores the member company registration information provided from the member company 20 in a database ( By storing in the member company information storage 122b of 122, the service cooperation process between the service providing apparatus 10 and the member company 20 is performed. At this time, the member company 20 is to install a predetermined equipment for communication with the service providing device 10.

In addition, the service providing device 10 establishes a predetermined bankbook for receiving a deposit of the point amount corresponding to the service point information of the service subscriber from the member company 20, and informs each member company 30 of the bank account account number. Given.

On the other hand, the service subscriber performs a predetermined member registration process through the member company 20 registered in the service providing apparatus 10 to receive the service according to the present invention (ST2).

That is, the service subscriber will provide the predetermined member registration information to the member company 20, and the member company 20 will issue a membership card for use of the member company to the service subscriber (ST3). At this time, the service subscriber will provide the credit card number information of the credit card company 30 to the member company 20.

In addition, the service subscriber can be carried out to select the type of investment of the service points to be credited to them when registering as a member through the member company (20). For example, the service subscriber may select one of stocks, start-up investments, real estate, futures, or two or more types of investments to have a predetermined ratio.

And the member company 20 transmits the member subscription information of the service subscriber, for example, the member ID, password, card number, investment type information to the service providing device 10 (ST4), the service providing device 10 is a member company 20 Member registration information of the service subscriber is authorized to be stored and registered in the member information storage unit 122a of the database 122.

Then, when the service subscriber consumes the member company 20 and presents the membership card to the member company 20, the member company 20 calculates a predetermined service point corresponding to the consumption amount of the service subscriber (ST5).

Then, the member company 20 transmits the predetermined point information according to the consumption of the service subscriber to the service providing apparatus 10 (ST6). In this case, the point information includes service point information of a service subscriber, a member ID, and a member company identification code information. In addition, the member company 20 deposits the point amount corresponding to the service point information of the service subscriber to the bank account of the service providing device 10.

Here, the member company 20 is configured in connection with other member companies, and each member company calculates the service points of the service subscribers registered through the member company periodically, for example, for one week or one month, the service providing apparatus 10 Can be sent out.

That is, each member company 20 receives the accumulated service points of the service subscribers subscribed through the company from other member companies, adds them up for a predetermined period, and transmits the summed service point information to the service providing device 10. .

Meanwhile, the service providing apparatus 10 updates the database 122 based on the point information authorized from the member company 20, and generates a predetermined point pool by summing service points provided to each service subscriber from the member company 20. Then, using the amount corresponding to the point pool, that is, the point amount deposited from the member company 20 to the bank account of the service providing device 10, the investment processing of stocks, real estate, start-up investment, etc. is performed (ST7).

In this case, the point pool is generated when a service point of a predetermined score or more, for example, 100,000,000 or more points is generated, and the service providing apparatus 10 assigns a predetermined identification code to the point pool. In addition, the service providing device 10 may generate each point pool according to the type of investment, for example, stocks, real estate, futures, start-up investment, etc., which is based on the selection by the service subscriber at the time of registration. That is, the service providing device 10 generates a "stock point pool" by adding the service points of all the service subscribers who set the investment type to "stock" at the time of membership registration, and performs the stock investment using this.

Here, in the member information storage unit 122a of the database 122 of the service providing apparatus 10, the service point attributable to the point pool is set as the investment point, and the processing points are reduced as much as the number of investment points. do.

Subsequently, the service providing apparatus 10 calculates a reverse credit limit for each service subscriber based on the profit generated by the investment using the point pool in step ST7 (ST8).

That is, the service providing device 10 adjusts the credit card usage of the service subscriber by securing the investment profits according to the point pool investment management, wherein the service providing device 10 is based on the number of investment service points constituting the point pool. Differently, the reverse credit limit for each subscriber is calculated. For example, by issuing a predetermined credit card to the service subscriber with the service point provided through the consumption done by the member company as a security, it is possible to provide a wide range of financial services to the service subscriber.

Subsequently, the service providing device 10 transmits the risk guarantee request information for the reverse credit limit for each service subscriber calculated in step ST8 to the insurance company 40 (ST9). At this time, the risk guarantee information includes the subscriber's reverse credit limit information and the subscriber's personal information such as name, contact number, social security number (ST9).

Meanwhile, the insurance company 40 examines the risk guarantee based on the reverse credit limit information of the service subscriber authorized from the service providing device 10, and then provides the predetermined guarantee confirmation information on the reverse credit limit to the service providing device 10. It is sent to (ST10).

In this case, when the service provider 10 receives the risk guarantee rejection information for the service subscriber from the insurance company 40, the service providing apparatus 10 lowers a reverse credit limit for the service subscriber to a certain level and sends the service back to the insurance company 40 again. Repeat step ST9.

In addition, the service providing device 10 when the risk guarantee approval information for the reverse credit limit of the service subscriber is received from the insurance company 40, and the database 122 based on the reverse credit limit information for the service subscriber In addition to updating, predetermined credit level adjustment request information is transmitted to the credit card company 30 (ST11). The credit level adjustment request information sent to the credit card company 30 is composed of the reverse credit limit information consisting of the member ID and credit card number of the service subscriber, the cash service limit and usage information.

On the other hand, the credit card company 30 forms a reverse credit line based on the credit limit information of the service subscriber authorized from the service providing apparatus 10 (ST12). That is, the credit card company 30 forms a reverse credit line of which the credit limit level is increased by additionally applying the reverse credit limit level provided from the service providing apparatus 10 to the credit card limit level of the current service subscription.

Subsequently, the credit card company 30 provides the reverse credit line information of the service subscriber to the service providing apparatus 10 (ST13).

The service providing apparatus 10 updates the database 122 based on the reverse credit line information authorized from the credit card company 30 (ST14). At this time, the service providing device 10 will inform the reverse credit line information through the service subscriber's e-mail or contact information such as a mobile communication terminal.

Here, the reverse credit line information of the service subscriber can be carried out to notify the service subscribers through the credit card company (30).

That is, according to the above embodiment, the service providing apparatus makes an investment using a point pool generated by summing service points provided for consumption performed by affiliated member companies, and the service subscribers as collaterals. It is configured to provide a reverse credit line.

Therefore, according to the present invention, the service subscribers can increase the width of the financial services of the service subscribers by multiplying the service points provided through the consumption done by the member companies through investment and creating the credit of the service subscribers as collateral. do.

In addition, the present invention is not limited to the above embodiments, and various modifications can be made without departing from the technical spirit of the present invention.

For example, in the above-described embodiment, the membership card is configured to be issued by a member company affiliated with the service providing device, but it is possible to perform the membership card in the service providing device.

As described above, according to the present invention, by expanding the service point provided by the service subscriber through the consumption made by the member company through investment and creating the credit of the service subscriber as a collateral, the width of the financial service of the service subscriber is expanded. You can do it.

Claims (6)

Including a service provider that is formed by combining a member company and a credit card company through a predetermined communication network, and controls to create a credit of the service subscriber based on the investment profit using the service points granted to the subscribers subscribed to the service through the member company In the reverse credit line providing system configured, The member company grants a predetermined service point for consumption at the member company of the registered subscribers, The service providing device makes an investment based on a point pool generated by summing service points of each service subscriber authorized by a member company, and converts the profits into reverse points for each subscriber and calculates a reverse credit limit based on the service points. To send reverse credit limit information to the credit card company, And the credit card company provides a reverse credit line of a service subscriber so as to correspond to a reverse credit limit authorized from a service providing device. The method of claim 1, The service providing apparatus is configured to be combined with an insurance company, the reverse credit line providing system, characterized in that to insure the loss insurance according to the reverse credit limit through the insurance company. The method of claim 1, The service providing device is a reverse credit line providing system, characterized in that to calculate the reverse credit limit of the service subscribers according to the investment service point attributable to the point pool. Including a service provider that is formed by combining a member company and a credit card company through a predetermined communication network, and controls to create a credit of the service subscriber based on the investment profit using the service points granted to the subscribers subscribed to the service through the member company In the reverse credit line providing method of the reverse credit line providing system configured, The member company grants a service point for granting a predetermined service point for consumption at the member company of the registered service subscriber; The service providing apparatus is a point pool generation step of generating a predetermined point pool by summing the service points of each service subscriber authorized from the member company, The service providing device is an investment step of making an investment using a point pool, The service providing apparatus generates a reverse credit limit for each subscriber based on the investment profit generated in the investment step, and calculates a reverse credit limit corresponding thereto; The credit card company comprises a reverse credit line providing step of providing a reverse credit line of the service subscriber based on the reverse credit limit information calculated in the reverse credit limit calculation step. The method of claim 4, wherein The service providing apparatus is a reverse credit line providing method characterized in that it comprises an insurance subscription step of subscribing to loss insurance according to the reverse credit limit through an insurance company. The method of claim 4, wherein The reverse credit limit calculation step is a reverse credit line providing method characterized in that it is calculated to differentially calculate the reverse credit limit of the service subscriber in accordance with the investment service point attributable to the point pool.