KR20030009722A - Automobile purchasing method using the mileage point of credit card and its system - Google Patents

Abstract

PURPOSE: A method and system for purchasing a vehicle are provided to enable a member to buy a vehicle through the optimum method by constituting a proper network among a vehicle selling company, a credit card company, and a financial company, thereby linking a cost of a credit card company in accordance with a payment price of a card usage of a credit card member and a mileage accumulation method thereof with a vehicle buying method. CONSTITUTION: In a vehicle purchase system by a credit card mileage rate having a network constituted by client managing information of a central managing system by a credit card company interface, a vehicle company interface, a financial institution interface, and an insurance company interface, data information of a wanted purchase vehicle of a member information storing table of a member management information storing database, mileage information, and data such as a member store visiting number of a member store managing table are received from the central managing system(500). Vehicle running state and a consumption state of a specific client are recognized based on the data and compared with a wanted purchase vehicle(510). A proper kind of a vehicle and a purchasing method thereof are selected, and a proper installment purchase method is introduced(520).

Description

Auto purchasing method using the mileage point of credit card and its system}

The present invention is a method of purchasing a car by paying the initial tool deposit when purchasing a car by the mileage reserve accumulated in proportion to the use of a credit card, a method of selling a car, a customer increase method of a merchant, a car history management method of a customer member, a car installment A purchase management method and a system suitable for the operation of these methods.

When the use of credit cards becomes commonplace, transparent transactions are leading to the establishment of a credit society early, so that all payment systems are made possible by credit cards. Accordingly, various credit card companies are presenting various means of realizing profits of affiliates by company to recruit affiliates. The most representative of these features is to pay a certain amount of money over a certain amount of mileage and pay various prizes, pay some purchase funds, and get discounts.

There are advantages such as various benefits, but most of the modern people own the vehicle and after a certain period of time to replace the vehicle, the initial purchase capital of the vehicle is a burden. Therefore, various methods for minimizing the initial purchase amount and the monthly payment are also proposed to minimize the initial purchase amount by vehicle companies.

However, none of these methods has been suggested to establish a linkage between the mileage of the purchase of a car and the use of a card and effectively link the accumulated mileage reserve with the purchase of a car.

In addition, it is necessary to create a win-win system that can best benefit consumers while taking advantage of each advantage by setting up a three-dimensional and efficient system between car dealers, credit card companies and financial companies.

The present invention is connected to the vehicle purchase method to the cost of the credit card company and the mileage accrual method according to the payment amount according to the credit card member's card use by the appropriate network configuration between car dealers, credit card companies and financial companies In this way, the member can purchase the most desirable type of car.

In particular, according to the present invention, if the amount of mileage accumulation is more than a certain amount, credit card users can replace the entire amount of the initial vehicle purchase amount with mileage accumulation, thereby enabling the purchase of a vehicle near free of charge.

In addition, car dealers induce efficient car purchases by credit card companies by linking with credit card companies to secure safe and secure customers and to recover safe car purchase funds.

Furthermore, some of the mileage reserves can be flowed into the insurance fund to relieve the possible credit risk of the member.

1 is a block diagram showing the configuration of the overall system of the present invention,

2 is a block diagram of a central management system of the present invention;

3 is a block diagram of a financial institution interface of the present invention;

4 is a configuration diagram of an automobile sales company interface of the present invention;

5 is a configuration diagram of the insurance company interface of the present invention,

6 is a block diagram of a credit card company interface of the present invention;

7 is a flowchart illustrating a vehicle purchase management method of the present invention;

8 is a flowchart illustrating a vehicle installment purchase management method of the present invention;

9 is a flowchart illustrating a vehicle history management method of the present invention;

10 is a flowchart illustrating a vehicle selling method of the present invention;

11 is a flowchart illustrating a sales customer increase method of the present invention.

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

1: Central management system 2: Communication means 6: Output means DB1: Member management information storage database 10: Financial management interface 11: Input means DB2: Transaction information database 20: Car sales interface DB3: Purchasing member information database 30: Insurance company interface DB4: Insurance Customer Information Database 40: Credit Card Company Interface DB5: Card Member Information Database

The present invention provides a new credit card that removes the burden of the initial vehicle fund due to the mileage credit by allowing the credit card member to choose to use the mileage reserve for the purchase of the car. The present invention relates to the provision of an associated vehicle purchase system and a vehicle purchase management method using the system.

More specifically, the present invention allows a credit card company to accumulate a portion of the registered mileage reserves for the purchase of a car by registering a free auto purchase card (Free Auto Card) (hereinafter referred to as FA card) according to the card user's choice. And a new card usage method and system for linking credit card companies, financial institutions, car dealers, and insurance companies with a network that can be linked in real time so that a portion of the mileage reserve can be used for payment of installment funds after purchase of a car. .

According to the present invention, a credit card user's payment of installment funds, etc., which may occur upon purchase of a car according to the credit card user's mileage by receiving a portion of the mileage reserve according to the credit card user's use by the credit card company's authentication to the insurance company The present invention relates to a new installment guarantee method and system for enabling payment guarantees for bad credit.

1 to 6 attached to a specific system of the present invention will be described. And the purchase method and management method using this system will be described by the flow chart of FIG.

The overall configuration of the present invention is shown in Figure 1, the central management system (1), credit card company interface 40, car company interface 20, financial company interface 10, insurance company interface 30 It consists of.

The operational relationship of the system having the above configuration is as follows.

The credit card subscriber (C) becomes a component on the network from joining the member (D) as a member of the FA card (1001), and incurs costs by visiting the merchant and purchasing necessary goods or enjoying other services (1002). The merchant bills the financial institution interface 10 for the cost (1003), and the financial institution pays the billing cost (1004) based on this billing, and sends the mileage content of the cost to the central management system. While transferring the amount is credited to the credit card company (1005), credit card company commissions are also made (1006), and some are credited to the insurance company (1007). When a credit card customer purchases a car, if a purchase request is made to the central management system from an automobile sales company (1008), the vehicle payment is made from a financial institution as a mileage reserve (1009). In the case of a problem of credit failure with respect to installment buyers, payment of payments from insurance companies is made through central management system (1010).

In the present invention, the central management system is inputted by an input device (3) or connected to a credit card company interface, a financial company interface, a car dealer interface, an insurance company interface and a dedicated network or PPP connection such as a LAN or WAN local area network. Or, by means of the central processing unit (CPU), the information data transmitted through the information transfer means connected in real time by a public communication network such as a high-speed Internet such as a modem or ADSL can be used as a memory means (RAM, ROM, HDD, optical disk). , The member's bibliographic information, card type, membership, and mileage information data are searched, updated and deleted by SQL (standard query language). Member management information storage means (DB1), communication means (2) and only the supervisor can handle the output Means 6.

The data information output by the output means 6 of the central management system is not only Html, which is a standard language for a general web server, but also Xml and compilation languages such as Java, C, and C ++ that can be linked to these languages. This means that the data is processed by the web processing language, which is processed by all script languages such as visual basic, etc., and it is output to the above-described customer interface, automobile company interface, insurance company interface, financial institution interface, and credit card company interface. . The connection between the output means and the other interface can be used for data transmission by various public communication networks as well as a dedicated line. Hereinafter, a communication method or other means connected to another interface is the same as these methods, and thus description thereof will be omitted.

In the member management information storage means DB1, various table data information may be stored, and most representatively, a table unique number (T1-1a), a credit card member name (T1-1b), Credit card member gender (T1-1c), credit card member age (T1-1d), credit card member address (T1-1e), credit card member occupation (T1-1f), credit card member model (T1-1g), Desired credit card member purchase model (T1-1h), mileage (T1-1i), credit card member email (T1-1j), telephone (T1-1k), fax (T1-1l), Email (T1-1m) A member information storage table (T1-1) having a field name;

Table unique number (T1-2a), merchant (T1-2b), business (T1-2c), telephone (T1-2d), address (T1-2e), visiting member (T1-2f), Merchant management table (T1-2) consisting of field names including purchase amount (T1-2g), charge amount (T1-2h), payment amount (T1-2i), mileage application rate (T1-2j), etc. ;

Purchase type of credit card member (T1-3a), payment method (T1-3b), monthly payment status (T1-3c), bank account number (T1-3d), insurance company (T1-3e), card type And the vehicle purchase management status table (T1-3) of the card user whose (T1-3f) and the like are field names.

In the present invention, the interface 10 for a financial company is a credit card member who receives an amount of money due to a consumption act such as purchase of goods after visiting a merchant and receives the information transmitted through online communication information through a communication network, or directly by offline. The information input from the request for the paper, etc., is inputted by the input unit 11, and the information is inputted by the central processing unit (cpu) from the memory means (RAM, ROM, HDD, CD, etc.) by a certain rate regulation. The merchant management table (T2-1), the member management table (T2-2), etc., which can be operated by a program such as a fee and mileage amount, can be calculated and stored, updated, modified, and deleted. Transaction information data storage means (DB2), communication means 12 and the output means 14 to be stored.

The transaction information data storage means DB2 may store various table data information, and most representatively, the table unique number (T2-1a), credit card member name (T2-1b), Credit card member gender (T2-1c), credit card member age (T2-1d), credit card member address (T2-1e), credit card member occupation (T2-1f), credit card member model (T2-1g), Customer information storage table (T2--1) consisting of the desired vehicle model (T2-1h), mileage (T2-1i), bank account number (T2-1j), and bank transaction card number (T2-1k). One);

Merchant's table unique number (T2-2a), business name (T2-2b), business type (T2-2c), address (T2-2d), telephone (T2-2e), fax (T2-2f), charge amount (T2) -2g), an affiliated store information storage table T2-2 comprising field names consisting of mileages T2-2h, e-mails T2-2i, and the like;

Customer card number (T2-3a), car purchase date (T2-3b), installment payment (T2-3c), mileage (T2-3d), charge amount (T2-3e), balance (T2-3f), final payment status ( T2-3g), etc., and the customer installment information storage table T2-3 having the field name.

In the present invention, the vehicle sales company interface 20 means that a certain mileage and a credit card member established by a central management system are selected by a predetermined credit card member, and the intention to purchase a vehicle by an installment purchase or a cash purchase is purchased or purchased. In the event that a transaction activity such as installment payment settlement is issued, data such as application doctor information and installment information delivered as online communication information is received in real time online or inputted by the offline application directly. The information input by 21 is processed by a central processing unit (cpu) by a predetermined program from memory means (RAM, ROM, HDD, CD, etc.) to be operated and stored, updated, It can be stored in the purchasing member management table (T3-1) and the purchasing member management table (T3-2) that can be modified, deleted, etc. Is composed of a Purchase Profile data storage means (DB3), the communication means 22 and output means 24.

DB3 means the unique membership table (T3-1a), name (T3-1b), gender (T3-1c), address (T3-1d), telephone (T3-1e), Fax (T3-1f), E-mail (T3-1g), Car (T3-1h), Allotment (T3-1i), Purchase Date (T3-1j), Service Items (T3-1k), Customer Rating (T3-1l) ), A purchasing member management table (T3-1) consisting of field names including mileage (T3-1m);

Table unique number (T3-2a), name (T3-2b), address (T3-2c), telephone (T3-2d), fax (T3-2e), email (T3-2f) , Car model (T3-2g), installment (T3-2h), purchase date (T3-2i), monthly mileage (T3-2j), charge amount (T3-2k), deposit amount (T3-2l), performance insurance company And an installment purchasing member management table (T3-2) having a field name of (T3-2m).

In the present invention, the interface 30 for the insurance company is a certain mileage and credit card members established by the central management system to select a certain type of vehicle to purchase a vehicle by installment purchase or cash purchase at a constant rate at the same time purchase The mileage payment is generated by receiving real-time transmission and input of data such as premium payment confirmation information and installment information, which are delivered through online communication information, so that the premium payment can be established through the financial interface 10, or generated by direct application by offline. The information inputted by the input device 31 by the central processing unit (cpu) by a predetermined program from a memory means (RAM, ROM, HDD, CD, etc.) and then processed to perform the calculated information data. Insurance customer management table (T4-1) configured to store, update, modify and delete data, Insurance customer information data storage means DB4, communication means 32, and output means 34, which can be stored in the installment customer management table T4-2 and the like.

The insurance customer information data storage means DB4 includes the table unique number (T4-1a), name (T4-1b), address (T4-1c), sex (T4-1d), telephone (T4-1e), Insurance customer management table (T4-1) consisting of fax (T4-1f), e-mail (T4-1g), insurance rate (T4-1h), reserve (T4-1i), card type (T4-1j), etc. );

Installment Customer Table Unique Number (T4-2a), Name (T4-2b), Warranty (T4-2c), Performance Guarantee Agreement (T4-2d), Mileage Credit (T4-2e), Difference (T4-2f) And the installment customer management table T4-2 in which the replenishment amount T4-2g is constituted by field names.

In the present invention, the interface 40 for a credit card company is a central mileage system that stores various information data and mileage information inputted at the time of application by a member of a credit card member having established a certain mileage and credit established by a central management system. 1) input information data generated by on-line or off-line data transmission such as telephone or fax by the input device 41, and the input information is inputted by the central processing unit (cpu) to the memory means (RAM). Card customer management table (T5-1), affiliated store management table (Rom, HDD, CD, etc.) configured to perform the processing by the specified program and to store, update, modify, delete, etc. The card member information data storing means DB5, the communication means 42, and the output means 44 are made to be stored in T5-2).

The card member information data storage means DB5 includes a card member management table unique number (T5-1a), a member's address (T5-1b), a name (T5-1c), an age (T5-1d), and a card number (T5- 1e) Card customer management table consisting of field name (T5-1f), password (T5-1g), payment bank (T5-1h), customer grade (T5-1i), mileage (T5-1j), etc. (T5-1);

Field name of merchant name (T5-2a), type of business (T5-2b), charge (T5-2c), payment amount (T5-2d), billing date (T5-2e), mileage coverage (T5-2f) And the affiliated store management table T5-2.

The table configuration for each database installed in each interface is only one of the most representative cases, and the configuration table can be increased or decreased by adding or deleting fields or creating a new database according to a user's request and a new environment change.

Management method based on the vehicle purchase management system using the mileage reserve by the credit card usage ratio of the present invention, the member's car purchase method, credit card-linked car sales method, merchant management bar, car management method for each member It will be described based on the drawings shown in a representative flow chart shown in Figure 6 below, such a configuration is not intended to limit the present invention to these examples because it can be modified in accordance with the connection between the configuration interface (node) or the modification of the program. .

As the most representative example to be described in the present invention, the output device 6 of the central management system 1 is hosted on a server so as to be connected by a general public communication network, and is centrally managed by data transmission such as text and images through the public network. After accessing from the outside of the system, each of the above interfaces and customers can access, except for administrator-restricted information. In addition, these interfaces will be described based on the configuration configured to allow input, modification, reading, etc. of certain information only to a person authorized as an administrator through CGI (common gateway interface) means.

In the present invention, since the central management system (1) and each member is subscribed mainly to individuals, unlike merchants, credit card companies or car dealers, public communication networks are mostly used and are distributed nationwide. Therefore, WWW, which is the most generalized connection method, is connected by various public communication networks such as telephone line, ADSL, ISDN, modem, and other high-speed Internet information such as PPP connection or dedicated line such as LAN and WAN. This is based on the premise that a basic connection is made by the World Wide Web server. In addition to the connection method, it is possible to use the connection method such as FTP, Telnet, and mail server in consideration of the characteristics of the members, and there is no particular restriction. The platform also intends to include all operating systems under Unix, as well as operating systems under Windows. The present invention is to be described in the premise that a web server, FTP server, Telnet server and a standard SQL server installed in the central management system to be processed such as member information, management, search, modification, deletion by their operation Explain below.

Credit card affiliates who wish to use the system of the present invention must register.

In the present invention, when a certain individual or corporate member is a member to purchase a car and describe a car purchase method for replacing the mileage reserve with the payment for expenses such as monthly payment after purchase.

Membership is the most generalized method. Member's name, address, and telephone using form tag on the Internet connected by document information and image information written in standard web program language such as Html and Xml provided by central management system. In addition to the membership registration form containing data such as card number, gender, age, occupation, etc., the application input waiting step (100) to induce a subscription application in a manner such as direct telephone contact or submitting a written form offline.

In response to the application for membership, the input data of the online subscription form is delivered to the member information storage table of the central management system 1 in a post or get manner or directly by an administrator. Information storage step 120 so that the data transmitted for each column of the corresponding field name is recorded and stored in the member information storage table T1-1 of the member information storage management database DB1 of the central management system 1. ),

The card customer management of the card member information storage means (DB5) after the data processing through the CGI by the Internet communication network to the credit card company interface 40 to inform the use of the mileage reserve when the member purchases the car at the same time as the member information storage In the table (T5-1), membership registration is recorded and linked, and the credit card usage interface accumulates the mileage prescribed by the card type (T5-1f) and customer grade (T5-1i) delivered based on the input information. Information accumulation step 130 to accumulate mileage information by calculating the amount of use, payment and special reserve ratios for each merchant, to accumulate and cancel other services based on credit card use,

A step 140 of checking whether the credit card member visits the affiliated store that has made a special agreement for the mileage special reserve ratio of the central management system 1 and confirms whether there is a card use activity at regular intervals (140);

Sales occur when a member visits a merchant who has made a special mileage special mileage ratio and generates a consumption activity. Based on the sales, the member stores online information on the amount of use, card user, card type, and billing. Step 150 to make the data transmission through the input system of the central management system by,

When data information such as charge request and card usage information from the affiliated stores is input, the central management system stores the result value after calculation processing such as rate calculation, fee calculation and mileage calculation according to the card user set in the memory means. In addition to writing in the table T1-1, the merchant management table T1-2 includes the charge amount T1-2h, the payment amount T1-2i, the mileage T1-2j, and the purchase amount T1 according to the use of the card. -2g) to update the process (150),

The mileage information of the credit card member waits for the member to purchase the vehicle while transmitting the mileage information online or offline to the member at regular intervals (160).

Member of the member management information storage database (DB1) stored in the central management system when submitting the data of the member's automobile purchase intention through online form tag or by submitting the purchase form directly or offline. On the basis of the record data of the applicant's name, card number, etc. recorded in the information storage table (T1-1) and the record data of the mileage data (T1-1i) column accumulated so far, according to the selected vehicle type By calculating the purchase capital required for initial purchase by the formula (initial initial car payment amount-mileage reserve amount), display is processed directly through the output device 6 of the central management system connected online, or the central management system server on the offline connection internet. By display device or offline information transmission method such as telephone or fax Transmitting 170,

When the decision to purchase a car is made by the above-mentioned steps, the information is transferred to the car company interface 20 of the corresponding car type by a communication network, and the purchase member management table T3-1 of the purchase member information storage unit DB3 is processed. In step 180, the process of acquiring the vehicle is performed at the vehicle management interface by recording and processing the data of the purchaser who has been transferred to

The vehicle sales company interface 20 calculates an initial purchase amount = (initial total acquisition price-accumulated mileage amount) and the like based on the transmitted data according to the intention to purchase the vehicle from the above-mentioned steps, and installs an installment payment. The insurance subscriber information database of the insurance company interface (DB5-) to enter into an agreement with the insurance company to carry out the mileage accumulation procedure for the insurance company in order to establish an agreement to replace the mileage reserve with a contract for performance guarantee. 1) and delivered to the insurance customer information data storage means (DB4) of the insurance company, which guarantees the performance guarantee of the buyer's installment payment, and installs the amount and the difference (T4-2f) on the installment customer management table (T4-2); Simultaneously recording the customer information data according to the transmission data in the insurance customer management table T4-1;

Mileage reserves (T2-3d) determined by the above-mentioned steps, such that when the update on the insurance customer information database (DB4) for the insurance company interface is completed by the communication network connected to the interface 10 for financial institutions connected in real time, the vehicle Recording the transferred data in the fields such as purchase price T2-3b, installment payment T2-3f, and recording the remaining data calculated on the basis of these data in the customer installment storage table T2-3; 200,

When the update or recording of the vehicle purchase information data for the insurance company interface, the automobile sales company interface, and the financial institution interface is completed, the vehicle purchase management status table (T1) of the member management information storage database DB1 of the central management system 1 is completed. -3) Purchased model (T1-3a), payment method (T1-3b), monthly payment status (T1-3c), bank account number (T1-3d), insurance company (T1-3e), card type Step 210 allows recording processing (T1-3f) and the like for each field name.

In the case of installment purchases that are not cash purchases after the car purchase by the above members, the installment is replaced by accumulated mileage reserves or the shortages are cleared by the claim procedure. ,

If the credit card user commits to installment payments for a certain period of time, the central management system 1 pays the vehicle purchase management status table T1-3 in the member management information storage database DB1 (T1--3). Step 3b) to update to a predetermined payment method (300),

The determination data of the payment method is connected to an online connected financial institution interface 10 by a communication network so that the payment payment data is recorded in the customer installment storage table T2-3 of the transaction information database DB2. The data of the installment column (T2-3c) and mileage reserve column (T2-3d) is calculated and recorded in the difference column (T2-3f) if there is a difference on the date based on the relevant payment method data. Step 310 to transmit processing to the management system,

If the mileage reserve exceeds the allotment in the above step (320) to record the full payment in the full payment column (T2-3g), and to delete the provision of information on the difference (320),

In the central management system 1, the information transmitted based on the result values calculated by the steps 310 and 320 is stored in the vehicle purchase management status table T1-3 of the member management information storage database DB1. In step 330, the card user information data is updated.

Another feature of the present invention is not only the vehicle sales management and method described above, but also for the car owners to use the affiliated merchants, so that various service data for the car is billed to the credit card company through the merchants, details. By transmitting the data information of the request, the central management system can accumulate the data of the maintenance history of the vehicle for each credit card member based on these information, and provide the vehicle management information based on this data in real time.

More specifically, when a customer visits a maintenance center that has a special contract and receives a certain maintenance process, the affiliated store will provide the service company name, fault type, repair type, required parts, repair date, repair cost, vehicle type, maintenance engineer, etc. After the data is recorded online through the request form form created by the form tag after internet access of the central management system (1), the record data is transmitted through the communication network or written by direct handwritten form, and then offline by mail, fax, etc. Transmitting 400 through a scheme;

Based on the above input data, after a certain parsing process, the service company name (T1-4a), fault type (T1-4b), repair type (T1-4c) of the history management table (T1-4) of the central management system, Steps to record after field separation of required parts (T1-4d), repair date (T1-4e), repair cost (T1-4f), vehicle type (T1-4g) and maintenance engineer (T1-4h) (410),

Step 420 of setting a unique ID and password for each customer in a separate field name with respect to the data on the history management table;

If a customer or another maintenance company wants to search for the information about the data, it is configured to set the access permission logic only when there is input of the unique ID and password (430).

The above-mentioned history management table is important maintenance data when you want to repair after visiting the customer as well as other affiliated maintenance company, and you can search for and collect necessary information after accessing the above data whenever necessary through the internet line. Accurate vehicle management of the vehicle becomes possible.

Another feature of the present invention is to provide an accurate vehicle purchase information for each purchase customer by grasping the exact mileage reserve, the customer's propensity, and the vehicle usage form according to the customer's information in the car sales company, and It is to provide a new vehicle sales method that can lead to free or near-purchase of vehicles when a significant amount of mileage is accumulated.

More specifically, in the central management system 1, data information and mileage information (T1-1i) of the desired purchase vehicle column (T1-1h) of the member information storage table (T1-1) of the member management information storage database (DB1). Receiving the data of the affiliated store, the number of visits, etc. of the merchant management table (T1-2) to the central management system (500),

On the basis of the above data to determine the vehicle operation status, consumption status, etc. of the specific customer, and to make a comparison judgment with the desired purchase vehicle (510),

Step 520 of introducing the appropriate installment purchase method and vehicle model by calculating the appropriate type and purchase method of the vehicle determined by the above steps.

The vehicle sales method is judged from the relationship with the mileage price according to the most economical and consumption pattern to the most consumers based on the characteristics of the business and the operation of the vehicle by evaluating the inclination of the consumer in the past. It is possible to introduce a suitable vehicle so that both a consumer and a sales company can establish a proper sales and purchase relationship.

Another feature of the present invention is a special merchant affiliated with a special contract associated with the central management system is expected to more accurate sales profits by securing the exact customer of the credit card member. Therefore, by applying a lower discount rate to these customers and applying a higher mileage ratio, a substantial benefit can be given to the customer, thereby providing a better method of increasing sales customers in which the consumer and the merchant are linked at the same time.

More specifically, affiliated stores have a special agreement with the central management system (1) to allow the member management information database (DB1) stored by the central management system to be searchable, but allow permission to search only data below a certain level. Step 610,

Affiliates with a certain permission are allowed to connect to the central management system through the Internet network and then to the tables of the member information table (T1-1), the merchant management table (T1-2), and the vehicle purchase management status table (T1-3). Approach step 620 to retrieve only the data allowed by the central management system,

Determining the future consumption trends for the specific customer based on the data of the number of visits, occupation, vehicle operation, etc. for the merchant for the specific customer from the data of the table (630),

An information providing step 640 of on-line or off-line serviceable information on a specific customer based on the above judgment;

And recording (650) the customer's response to the result of the information provision as data.

In particular, it is important to keep in mind that it is not necessary to randomly leak the customer data information, for example, to replace the brake lining or to have a birthday. Make sure your customers are allowed to promote based on the data they need, whether they need a birthday present or something.

When the membership of the present invention, the affiliated store having a special contract with the central management system forms a separate management network to achieve a separate fee and mileage credit according to each member credit card payment. For example, supermarkets, restaurants, large retail stores, telecommunications stores, and car management stores. These merchants can secure and promote fixed customers due to the members introduced in the central management system. The discount benefits and mileage accrual charges under special riders will be treated.

It is most desirable for merchants to install their own interface to build an internal member information database and update member information in real time based on the information of the central management system, even if there is no connection with such a central management system. By accessing the management server of the central management system, it is possible to manage the assigned database by receiving the password and ID required for access.

As described above, the vehicle sales, management, history management, sales increase for each merchant, increase of discount rate of affiliated customers, allotment at the time of vehicle purchase or after vehicle purchase, and initial purchase fund are not oversignificant. It is the most effective and economical way of using credit cards.

Claims (12)

Information data entered by the input device (3) or transmitted through the information transfer means connected in real time by the communication network and the interface for credit card companies, the interface for financial companies, the interface for automobile companies, the interfaces for insurance companies, etc. Is processed by the operation program set in the memory means (RAM, ROM, HDD, optical disk, integrated memory, etc.) by the central processing unit (CPU), and the bibliographic information, card type, membership, and mileage information data of the member are stored. Member management information storage means (DB1), communication means (2) and output means (6) that only supervisors with special privileges such as search, update, and delete can be handled by SQL (standard query language). Central management system, In the case of claiming the amount due to consumption behavior such as purchase of goods after visiting a member of a credit card member, information data generated from the request received by the communication network or transmitted directly through the offline network The information inputted by the input device 11 is processed by a central processing unit (cpu) from a memory means (RAM, ROM, HDD, CD, etc.) into a program such as a fee and mileage amount according to a predetermined rate regulation. Transaction information data storage means (DB2) for storing in a merchant management table (T2-1), a member management table (T2-2), and the like, which are operable to store, update, modify, and delete calculation processing result data. ), The interface 10 for a financial company consisting of a communication means 12 and an output means 14, When a credit card member with a certain mileage and credit established by the central management system selects a certain model and intends to purchase the vehicle by installment purchase or cash purchase, or when transactions such as installment payment settlement are issued after purchase Central operation processing of the information input by the input device 21 receives real-time transmission and input of data such as application doctor information and installment information transmitted as online communication information, or information data generated by direct application by offline. Purchasing member management table configured to execute and process by the specified program from the memory means (RAM, ROM, HDD, CD, etc.) by the device (cpu) and to store, update, modify, delete, etc. (T3-1), purchase member information data storing means (DB3) for storing in the purchasing member management table (T3-2), communication means (22) and an interface 20 for a car dealership composed of an output means 24, When a certain mileage certified by the central management system and a credit card member whose credit is established select a certain vehicle and purchase a vehicle by installment purchase or cash purchase, the mileage payment is made at the same rate at the same time as the purchase through the financial interface 10. In order to establish the certification of premium payment, data such as premium payment confirmation information and installment information transmitted as online communication information are received in real time online, or information data generated through direct application by offline is input to the input device 31. Information inputted by the central processing unit (cpu) is processed by a predetermined program from memory means (RAM, ROM, HDD, CD, etc.) to be processed and stored, updated, modified, deleted, etc. Can be stored in the insurance customer management table (T4-1) and installment customer management table (T4-2). Insurance information, customer data storage means (DB4), boheomhoe use interface 30 is configured to the communication means 32 and output means 34 for, Credit card members with certain mileages and credits established by the central management system apply for membership, so that various information data and mileage information entered at the time of application are online or offline, such as telephone or fax, from the central management system (1). A program defined by memory device (RAM, ROM, HDD, CD, etc.) for inputting information data generated by data transfer by the input device 41 and inputting the input information by the central processing unit (cpu). Card member information that can be stored in a card customer management table (T5-1), affiliated store management table (T5-2), etc., which is configured to perform operation by performing processing and to store, update, modify, delete, etc. By credit card mileage ratio composed of a credit card company interface 40 composed of data storage means DB5, communication means 42 and output means 44 Car buying system. The method of claim 1, The member management information storage means (DB1) includes a table unique number (T1-1a), credit card member name (T1-1b), credit card member gender (T1-1c), and credit card member age (T1- 1d), credit card member address (T1-1e), credit card member occupation (T1-1f), credit card member model (T1-1g), credit card member purchase model (T1-1h), mileage (T1-1i ) A member information storage table (T1-1) consisting of field names of credit card member email (T1-1j), telephone (T1-1k), fax (T1-1l), and email (T1-1m). ); Table unique number (T1-2a), merchant (T1-2b), business (T1-2c), telephone (T1-2d), address (T1-2e), visiting member (T1-2f), An affiliated store management table T1-2 including a purchase amount T1-2g, a charge amount T1-2h, a payment amount T1-2i, a mileage application rate T1-2j, and the like; Purchase type of credit card member (T1-3a), payment method (T1-3b), monthly payment status (T1-3c), bank account number (T1-3d), insurance company (T1-3e), card type And a vehicle purchase management status table (T1-3) of card users whose field names are (T1-3f) and the like. The method of claim 1, In the DB1, various table data information can be stored, and most representatively, a table unique number (T1-1a), a credit card member name (T1-1b), and a credit card for a credit card member. Membership (T1-1c), Credit Card Member Age (T1-1d), Credit Card Member Address (T1-1e), Credit Card Member Occupation (T1-1f), Credit Card Member Model (T1-1g), Credit Card Member's desired purchase type (T1-1h), mileage (T1-1i), credit card member email (T1-1j), telephone (T1-1k), fax (T1-1l), Email (T1-1m) A member information storage table T1-1 constituted by a name; Table unique number (T1-2a), merchant (T1-2b), business (T1-2c), telephone (T1-2d), address (T1-2e), visiting member (T1-2f), An affiliated store management table T1-2 including a purchase amount T1-2g, a charge amount T1-2h, a payment amount T1-2i, a mileage application rate T1-2j, and the like; Purchase type of credit card member (T1-3a), payment method (T1-3b), monthly payment status (T1-3c), bank account number (T1-3d), insurance company (T1-3e), card type Car purchase management status table (T1-3) of card users whose field names include (T1-3f), Service Company Name (T1-4a), Failure Type (T1-4b), Repair Type (T1-4c), Required Parts (T1-4d), Repair Date (T1-4e), Repair Fee (T1-4f), Vehicle A vehicle purchase system based on a credit card mileage ratio, comprising a history management table (T1-4) consisting of field names of types (T1-4g) and maintenance technicians (T1-4h). The transaction information data storage means (DB2) of the financial institution interface may store various table data information, and most representatively, the table unique number (T2-1a) for the credit card member and the credit card member name (T2-1b). ), By credit card member gender (T2-1c), credit card member age (T2-1d), credit card member address (T2-1e), credit card member occupation (T2-1f), credit card member model (T2-1g) Customer information storage table consisting of the field name of the desired purchase model (T2-1h), mileage (T2-1i), bank account number (T2-1j), bank transaction card number (T2-1), etc. T2-1); Merchant's table unique number (T2-2a), business name (T2-2b), business type (T2-2c), address (T2-2d), telephone (T2-2e), fax (T2-2f), charge amount (T2) -2g), an affiliated store information storage table T2-2 comprising field names consisting of mileages T2-2h, e-mails T2-2i, and the like; Customer card number (T2-3a), car purchase date (T2-3b), installment payment (T2-3c), mileage (T2-3d), charge amount (T2-3e), balance (T2-3f), final payment status ( A vehicle purchase system based on a credit card mileage ratio, comprising: a customer installment information storage table (T2-3) having a field name of T2-3g). The method of claim 1, DB3 for purchase member information data storage means of the automobile sales company interface means table unique number (T3-1a), name (T3-1b), gender (T3-1c), address (T3-1d), telephone ( T3-1e), Fax (T3-1f), E-mail (T3-1g), Car (T3-1h), Allotment (T3-1i), Purchase Date (T3-1j), Service Items (T3-1k), Customer A purchase member management table T3-1 comprising field grades T3-1l, mileage T3-1m, and the like; Table unique number (T3-2a), name (T3-2b), address (T3-2c), telephone (T3-2d), fax (T3-2e), email (T3-2f) , Car model (T3-2g), installment (T3-2h), purchase date (T3-2i), monthly mileage (T3-2j), charge amount (T3-2k), deposit amount (T3-2l), performance insurance company An automobile purchase system based on a credit card mileage ratio, comprising an installment purchasing member management table (T3-2) having a field name of (T3-2m). The method of claim 1, The insurance customer information data storage means (DB4) of the insurance company interface includes the table unique number (T4-1a), name (T4-1b), address (T4-1c), gender (T4-1d), and telephone (T4-) for the customer. 1e) An insurance customer management table consisting of field names including fax (T4-1f), e-mail (T4-1g), insurance rate (T4-1h), reserves (T4-1i), and card type (T4-1j) ( T4-1); Installment Customer Table Unique Number (T4-2a), Name (T4-2b), Warranty (T4-2c), Performance Guarantee Agreement (T4-2d), Mileage Credit (T4-2e), Difference (T4-2f) And an installment customer management table (T4-2) comprising a supplementary amount (T4-2g) as a field name. The method of claim 1, The card member information data storage means DB5 includes a card member management table unique number (T5-1a), a member's address (T5-1b), a name (T5-1c), an age (T5-1d), and a card number (T5- 1e) Card customer management table consisting of field name (T5-1f), password (T5-1g), payment bank (T5-1h), customer grade (T5-1i), mileage (T5-1j), etc. (T5-1); Field name of merchant name (T5-2a), type of business (T5-2b), charge (T5-2c), payment amount (T5-2d), billing date (T5-2e), mileage coverage (T5-2f) A vehicle purchase system based on a credit card mileage ratio, characterized in that the merchant management table (T5-2) configured. Membership is a member that writes data such as member's name, address, telephone, card number, gender, age, occupation, etc. using form tag on the Internet connected by document information and image information written in standard web program language. Application input waiting step (100) to induce subscription application in the same manner as direct telephone contact and submission of written form in offline form and In response to the application for membership, the input data of the online subscription form is delivered to the member information storage table of the central management system 1 in a post or get manner or directly by an administrator. An information storage step 120 for storing the data transmitted for each column of the corresponding field name in the member information storage table T1-1 of the member information storage management database DB1 of the central management system 1; The card customer management of the card member information storage means (DB5) after the data processing through the CGI by the Internet communication network to the credit card company interface 40 to inform the use of the mileage reserve when the member purchases the car at the same time as the member information storage In the table (T5-1), membership registration is recorded and linked, and the credit card usage interface accumulates the mileage prescribed by the card type (T5-1f) and customer grade (T5-1i) delivered based on the input information. Information accumulation step (130) for each interface to accumulate mileage information to calculate the amount of use, payment and special reserve ratios for each merchant, to accumulate and cancel other services according to credit card use, A step 140 of checking whether the credit card member visits the affiliated store that has made a special agreement for the mileage special reserve ratio of the central management system 1 and confirms whether there is a card use activity at regular intervals (140); Sales occur when a member visits a merchant who has made a special mileage special mileage ratio and generates a consumption activity. Based on the sales, the member stores online information on the amount of use, card user, card type, and billing. Step 150 to make the data transmission through the input system of the central management system by, When data information such as charge request and card usage information from the affiliated stores is input, the central management system stores the result value after calculation processing such as rate calculation, fee calculation and mileage calculation according to the card user set in the memory means. In addition to writing in the table T1-1, the merchant management table T1-2 includes the charge amount T1-2h, the payment amount T1-2i, the mileage T1-2j, and the purchase amount T1 according to the use of the card. -2g) to update the process (150), The mileage information of the credit card member waits for the member to purchase the vehicle while transmitting the mileage information online or offline to the member at regular intervals (160). Member of the member management information storage database (DB1) stored in the central management system when submitting the data of the member's automobile purchase intention through online form tag or by submitting the purchase form directly or offline. On the basis of the record data of the applicant's name, card number, etc. recorded in the information storage table (T1-1) and the record data of the mileage data (T1-1i) column accumulated so far, according to the selected vehicle type By calculating the purchase capital required for initial purchase by the formula (initial initial car payment amount-mileage reserve amount), display is processed directly through the output device 6 of the central management system connected online, or the central management system server on the offline connection internet. By display device or offline information transmission method such as telephone or fax Transmitting 170, When the decision to purchase a car is made by the above-mentioned steps, the information is transferred to the car company interface 20 of the corresponding car type by a communication network, and the purchase member management table T3-1 of the purchase member information storage unit DB3 is processed. In step 180, the process of acquiring the vehicle is performed at the vehicle management interface by recording and processing the data of the purchaser who has been transferred to The vehicle sales company interface 20 calculates an initial purchase amount = (initial total acquisition price-accumulated mileage amount) and the like based on the transmitted data according to the intention to purchase the vehicle from the above-mentioned steps, and installs an installment payment. The insurance subscriber information database of the insurance company interface (DB5-) to enter into an agreement with the insurance company to carry out the mileage accumulation procedure for the insurance company in order to establish an agreement to replace the mileage reserve with a contract for performance guarantee. 1) and delivered to the insurance customer information data storage means (DB4) of the insurance company, which guarantees the performance guarantee of the buyer's installment payment, and installs the amount and the difference (T4-2f) on the installment customer management table (T4-2); Simultaneously recording the customer information data according to the transmission data in the insurance customer management table T4-1; Mileage reserves (T2-3d) determined by the above-mentioned steps, such that when the update on the insurance customer information database (DB4) for the insurance company interface is completed by the communication network connected to the interface 10 for financial institutions connected in real time, the vehicle Recording the transferred data in the fields such as purchase price T2-3b, installment payment T2-3f, and recording the remaining data calculated on the basis of these data in the customer installment storage table T2-3; 200, When the update or recording of the vehicle purchase information data for the insurance company interface, the automobile sales company interface, and the financial institution interface is completed, the vehicle purchase management status table (T1) of the member management information storage database DB1 of the central management system 1 is completed. -3) Purchased model (T1-3a), payment method (T1-3b), monthly payment status (T1-3c), bank account number (T1-3d), insurance company (T1-3e), card type And (T1-3f) recording processing for each field name (210) such as a credit card mileage ratio. The central management system (1), the interface for credit card companies (40), the interface for car companies (20), the interface for financial companies (10), and the interface for insurance companies (30) form a network based on customer management information of the central management system. In a car purchase system based on credit card mileage ratio, If the credit card user commits to installment payments for a certain period of time, the central management system 1 pays the vehicle purchase management status table T1-3 in the member management information storage database DB1 (T1--3). Step 3b) to update to a predetermined payment method (300), The determination data of the payment method is connected to an online connected financial institution interface 10 by a communication network so that the payment payment data is recorded in the customer installment storage table T2-3 of the transaction information database DB2. The data of the installment column (T2-3c) and mileage reserve column (T2-3d) is calculated and recorded in the difference column (T2-3f) if there is a difference on the date based on the relevant payment method data. Step 310 to transmit processing to the management system, If the mileage reserve exceeds the allotment in the above step (320) to record the full payment in the full payment column (T2-3g), and to delete the provision of information on the difference (320), In the central management system 1, the information transmitted based on the result values calculated by the steps 310 and 320 is stored in the vehicle purchase management status table T1-3 of the member management information storage database DB1. And a step (330) of updating the corresponding card user information data. The central management system (1), the interface for credit card companies (40), the interface for car companies (20), the interface for financial companies (10), and the interface for insurance companies (30) form a network based on customer management information of the central management system. In a car purchase system based on credit card mileage ratio, When a customer visits a maintenance center that has a special contract and receives certain maintenance, the affiliate stores the data such as service company name, failure type, repair type, required parts, repair date, repair cost, vehicle type, and maintenance engineer. After the Internet is connected to the management system (1), the form of the claim form created by the form tag is processed online and the record data is transmitted through a communication network or directly written through a handwritten form, and then transmitted through an offline method such as mail or fax. Step 400, Based on the above input data, after a certain parsing process, the service company name (T1-4a), fault type (T1-4b), repair type (T1-4c) of the history management table (T1-4) of the central management system, Steps to record after field separation of required parts (T1-4d), repair date (T1-4e), repair cost (T1-4f), vehicle type (T1-4g) and maintenance engineer (T1-4h) (410), Step 420 of setting a unique ID and password for each customer in a separate field name with respect to the data on the history management table; When a customer or other maintenance company wants to search for the information about the data, a step (430) is configured to set the logic for allowing access only when the unique ID and password are input. Vehicle history management method using card mileage ratio. The central management system (1), the interface for credit card companies (40), the interface for car companies (20), the interface for financial companies (10), and the interface for insurance companies (30) form a network based on customer management information of the central management system. In a car purchase system based on credit card mileage ratio, Data information, mileage information (T1-1i), and merchant management table of the desired purchase vehicle column (T1-1h) of the member information storage table (T1-1) of the member management information storage database (DB1) in the central management system (1). Receiving the data (T1-2) merchants, such as the number of visits to the central management system (500), On the basis of the above data to determine the vehicle operation status, consumption status, etc. of the specific customer, and to make a comparison judgment with the desired purchase vehicle (510), A method of selling a vehicle using a credit card mileage ratio, comprising the step (520) of introducing an appropriate installment purchase method and a vehicle model by calculating an appropriate type and purchase method of the vehicle determined by the above step. The central management system (1), the interface for credit card companies (40), the interface for car companies (20), the interface for financial companies (10), and the interface for insurance companies (30) form a network based on customer management information of the central management system. In a car purchase system based on credit card mileage ratio, The affiliated store enters into a special agreement with the central management system 1 to allow the member management information database DB1 stored by the central management system to be searchable, but permits permission to search only data below a certain level (610). , Affiliates with a certain permission are allowed to connect to the central management system through the Internet network and then to the tables of the member information table (T1-1), the merchant management table (T1-2), and the vehicle purchase management status table (T1-3). Approach step 620 to retrieve only the data allowed by the central management system, Determining the future consumption trends for the specific customer based on the data of the number of visits, occupation, vehicle operation, etc. for the merchant for the specific customer from the data of the table (630), An information providing step 640 of on-line or off-line serviceable information on a specific customer based on the above judgment; And a step (650) of recording and processing the customer's reaction to the result of the information providing as data.