KR20030003141A - business method for credit trade in person to person - Google Patents

Abstract

PURPOSE: A method for an intermediation business of article dealings according to credit transactions between individuals is provided to enable a customer having cash buying power to buy a new product cheaply and to enable a seller having a good credit state to exchange the article into property fast. CONSTITUTION: A user searches an article list and a database displays the stored list(S102). After selecting the desired article, the user obtains the information for the article(S103) and connects to other shopping mall(S104). The user searches the article fit to the obtained information in the shopping mall and requests purchase(S105,S106). The user performs a settlement after selecting a settlement method(S107,S108) and confirms an article delivery(S109). A purchase fact is informed to a server(S110) and the server sends a confirmation message to a customer. After confirming the purchase, the user receives the cash deposited by the final buyer(S111).

Description

Business method for credit trade in person to person}

The present invention relates to a trading brokerage method for brokering interpersonal commerce on the Internet. In particular, a consumer with a cash purchasing power can purchase a new item that he / she wants at a lower price and a seller with a good credit status It relates to an intermediary business method of merchandise trading in person-to-person credit transactions to enable the purchase of such goods into goods.

In general, the 21st century is called an information society, which refers to a society that is developed from the industrial society, which has developed as a subject, to the information industry, and that develops and produces various information.

In addition, the economy flows sensitively and diversifies in response to changes in the information. Moreover, this phenomenon is to increase the competitiveness of each individual by the endless competition between companies and individuals in accordance with the development of the Internet in the WTO system. I have invested considerable effort and time.

Therefore, modern people who are chased by time are trying to prevent the waste of time as much as possible. In order to cope with the flow of economic change, they are changing from the life pattern of one job to the life pattern of many jobs.

Therefore, the classic goods purchase pattern is gradually changing to home shopping or internet shopping, which is accelerated by the development of infrastructure.

In other words, since the Internet is a medium and distribution channel that enables the electronic market to reach the world cheaper and faster, various shopping malls that function like department stores are being formed on the Internet. They can buy and sell goods and services without sellers or time constraints.

In addition, space constraints are insignificant, and the intermediate distribution process is almost completely eliminated, and the cost of renting and purchasing physical space, such as a place of sale, is also reduced, allowing end-users to buy things at a price less than the real world.

On the other hand, with the change in consumer life patterns, on the other hand, as the household life contracted economically, credit card usage increased rapidly, and the portion of the cash service, which is a delinquent bond, gradually increased, exceeding 63% of the total sales of card companies.

On the other hand, the proportion of credit sales, which is a function of credit cards, has been relatively reduced, and there is a high voice that concerns about the malformation of the card sales structure. In foreign countries, it is unusual for the US and Japan to account for more than 60% of the total cash advances, as it accounts for only 20 to 30% of total card sales.

Meanwhile, the credit card system, which was introduced to settle the credit society and realize the billing of businesses, is being used as a lending business for card companies. Moreover, card companies are profiting by applying high interest rates to cash services that customers use a lot.

Unlike lending rates of around 10% annually, card companies' cash service rates are 24% 29% annually and 28% 30% overdue. Since cash service is usually used by customers who need to feed quickly due to the lack of credit, the burden of repaying the cash service payments next month is also high.

So-called credit card discounts used illegally and publicly can be used only by direct visits on-line, deducting high interest rates (approximately around 20%). In addition, despite the fear of card theft and lack of reliability, the more difficult the home economy is, the more active it is, so it is becoming a dark part of society.

An object of the present invention for solving the above problems relates to a trading brokerage method for brokering inter-personal commerce on the Internet, in particular, a consumer with a cash purchasing power can purchase a new (new) product they desire at a lower price. In addition, it provides a brokerage business method of merchandise trading by person-to-person credit transactions to enable sellers with good credit status to convert their purchased goods into goods more quickly.

1 is a conceptual illustration of a brokerage business method of commodity sales according to a person-to-person credit transaction in accordance with the present invention

2 is an exemplary block diagram of an intermediate server

3 and 4 is a flow chart of the operation of selling goods between members

In order to achieve the above object, the characteristics of the intermediary business method of merchandise sales in accordance with the interpersonal credit transaction, and the consumer to create information such as the name of the item and the place of purchase to purchase the goods at the lowest price; ; A user who wishes to retain cash by reselling the purchased goods after purchasing the goods; By arranging the matching between the consumer and the user, and supervising the violation of the good faith between the consumer and the user, the user purchases the desired product at the purchaser's credit and then delivers it to the consumer, and the consumer commits the product to the user. The payment is made in cash and includes a broker who receives a predetermined contract fee from a consumer or a user.

As an additional feature of the method of intermediary business of merchandise sales in accordance with the credit transaction between individuals according to the present invention for achieving the above object, the consumer generates information such as the name and the place of purchase that he / she wants to purchase 95% of the purchase price of the goods is deposited in cash to the broker.

In addition to the additional feature of the business method of intermediary goods sales in accordance with the interpersonal credit transaction in accordance with the present invention for achieving the above object, the user can purchase the goods that the corresponding consumer wants to buy at the desired place of purchase according to the matching of the broker The goods are shipped to the corresponding consumer and 93% of the purchase price is paid from the broker.

As another additional feature of the business method for intermediary trading of goods in accordance with the credit transaction between individuals according to the present invention for achieving the above object, the broker is a web server on the Internet.

The above object and various advantages of the present invention will become more apparent from the preferred embodiments of the present invention described below with reference to the accompanying drawings by those skilled in the art.

1 is a simplified configuration example of a mediation business method of merchandise sales according to a person-to-person credit transaction according to the present invention.

First, in FIG. 1, a consumer means a netizen who wants to purchase an item at a lowest price, and a user means a netizen who wants to hold cash by reselling the purchased item after purchasing the item through an intermediary server of the present invention. do.

Looking at the overall operational concept, if you want to buy any of your products, you surf the malls on the Internet. At this time, if the same price is found through the price comparison site, the shopping mall with the lowest price will leave the information on the shopping mall and the name of the item that he / she wants to purchase in the schedule menu window after logging into the mediation server. .

At this time, the consumer deposits a purchase amount on the mediation server side, and the deposit amount is about 95% of the amount of the purchase price of the item at the place of purchase of the item that the consumer wants to purchase and deposits cash. .

In addition, after accessing the intermediary server through the login operation, the user checks whether there is an item that can be purchased within the limit of his credit card, and if the item exists, he / she is willing to purchase and resell the item. Is displayed in the manager of a mediation server or in a specific menu window.

Thereafter, the user purchases the item that the consumer wants to purchase from the place of purchase requested by the consumer, and delivers the item to the corresponding consumer.

At this time, the consumer should inform the intermediary server that the goods were acquired when the goods were delivered, and the intermediary server will deposit 93% of the purchase price of the goods to the user as soon as the goods are confirmed.

Hereinafter, referring to the attached FIG. 2, the configuration of the mediation server will be briefly described.

2 shows the configuration of the server of the present invention. In the configuration of the server 10, the CPU 11 for executing the server, the main memory 12 for operating programs and the system, the input device 13 for inputting data into the server, and the server And an output device 14 for outputting data, a communication interface 16 for allowing a user to access a server on the Internet, and an auxiliary memory device 15 for managing a program.

In addition, the auxiliary memory device 15 includes a member registration / management module for member registration and management for allowing a user (including a consumer and a user) to access the server and make the present invention available, and to which the consumer wishes to purchase. A product input / deletion module for inputting or deleting an article, a payment module for depositing a contracted amount according to the purchase of goods and remittance of the contracted amount to the user, and an unavoidable case. A refund module is built in to refund the contracted amount.

All of the above operations are stored in a DB system referred to by reference numeral 20. The DB system is composed of a member information DB, an article DB, a customer DB, and the like.

Hereinafter, with reference to the accompanying Figures 3 and 4 will be described the operation process of the brokerage business method of goods sales in accordance with the person-to-person credit transaction in accordance with the present invention.

FIG. 3 shows the process from when the user resells the goods to receiving the payment.

First, in the process of step S101, if the user accesses the Internet for the first time after logging in, the user will have to register and log in. At this time, if you register as a member, the member information DB is updated and ID and PASSWORD will be issued. Entering this ID and PASSWORD authenticates membership and authorizes the use of data.

Thereafter, the article list is retrieved by the process of step S102. At this time, the database 16 displays the stored list.

Then, in step S103, the item list is searched to select a desired item, and information about the item is obtained.

After the above process, and then access to the other shopping mall (S104).

In the shopping mall connected through the above-described step S104, an article matching the information obtained in the above-mentioned step S103 is searched (S105), and a purchase (S106) request is made. When a payment request is received from the shopping mall, the payment method is selected (S107) and the payment is made (S108). The following process is to confirm the delivery of goods (S109). When you fill out the delivery location, you should fill in the location so that the goods can arrive at the consumer.

After the above process, the server notifies that the goods have been purchased (S110). When the server is notified, a confirmation is made about the fact and a confirmation message is sent to the consumer.

Finally, when the purchase of goods is confirmed through the above steps S105 to S109 in the process of step S111, the user receives the cash deposited by the last purchaser in the server. At this time, the cash is deposited into the account created at the time of login and membership in the process of step S101.

4 is a method of buying an article opposite to the above.

First, the consumer goes to the home of step S201 to access another shopping mall before the system.

In the next process, an item displayed in the shopping mall is searched (S202), and a desired item is selected from the displayed items (S203). Make a note of the information about the item you selected.

Thereafter, the system logs in to the process of step S204. If you log in for the first time after login, you will need to register and log in. At this time, if you register as a member, the member information DB is updated and ID and PASSWORD will be issued. Entering this ID and PASSWORD authenticates membership and authorizes the use of data.

Then, in step S205, the consumer moves to a bulletin board to input a commodity he wants to purchase in the commodity list in order to purchase the commodity, and then inputs information about a desired commodity on the bulletin board.

After the process of step S205 is completed, the payment system responds to the payment request message (S206). Here, he pays a price that is 5% UC from the monthly price of the item he wants to purchase (S207). The amount paid by the user is managed by the payment system by the payment system and is then paid to the user through the above-described process of FIG.

Next, when the goods come in the process of step S208, it is determined whether or not to receive the goods. The decision to receive the goods is complete.

If the receipt of the goods is refused in the process of step S208, the process can be resumed from the above process of step S201 or a refund can be made (S301).

If the user selects the non-refund and selects a refund in the process of step S301, the payment system shows the detected refund details and displays a message for confirmation.

Thereafter, after confirming the refund history message displayed in the process of step S302 and approving it, the refund is determined and deposited into the user's account. The account at this time is an account created at the time of log-in membership in step S204.

Finally, when all the refund process is finished by the step S303, the user requests the deletion of the item list input by the user.

While the invention has been shown and described in connection with specific embodiments thereof, it is well known in the art that various modifications and changes can be made without departing from the spirit and scope of the invention as indicated by the claims. Anyone who owns it can easily find out.

As described above, according to the present invention, the final buyer who purchases the goods can purchase the goods at the lowest price and the first buyers who want to hold the cash can hold the cash with minimal burden. It has the effect of maximizing mutual benefit.

Claims (6)

A consumer who generates information such as the name of the product and the place of purchase of the product to be purchased at the lowest price; A user who wishes to retain the goods by reselling the purchased goods after purchasing the goods; By arranging the matching between the consumer and the user, and supervising the violation of the good faith between the consumer and the user, the user purchases the desired product at the purchaser's credit and then delivers it to the consumer, and the consumer commits the product to the user. A brokerage business method for selling goods in accordance with an interpersonal credit transaction, comprising a broker paying cash in cash and receiving a predetermined contract fee from a consumer or a user. The method of claim 1, The consumer generates information such as the name of the item and the place of purchase that he wants to purchase, and then deposits goods having a certain ratio to the broker according to the contracted rate compared to the amount of the purchase of the item at the place of purchase. Intermediary business method of commodity trading in inter-credit transactions. The method of claim 1, The consumer generates information such as the name of the item and the place of purchase that he / she wants to purchase, and deposits 95% of the amount of the item at the place of purchase to the broker as a good. Brokerage business method of merchandise trading. The method of claim 1, The user purchases the item that the corresponding consumer wants to purchase from the desired purchase place according to the match of the broker, delivers the corresponding product to the corresponding consumer, and receives the goods from the broker that have a certain ratio according to the contracted interest rate compared to the purchase price of the product. Characterized in that the intermediary business method of selling goods in accordance with interpersonal credit transactions. The method of claim 1, The user purchases the item that the corresponding consumer wants to purchase from the desired purchase place according to the match of the broker, delivers the corresponding product to the corresponding consumer, and receives 93% of the goods purchased from the broker. Intermediary business method of trading goods in accordance with transaction. The method according to any one of claims 1 to 5, And the broker is a web server on the Internet.