KR20040019619A - Electronic commerce method using lendable electronic money - Google Patents

Abstract

PURPOSE: An electronic commerce method using electronic money capable of being lent is provided to activate an electronic commerce by adding a lending function to a closing type electronic money used in a specific distribution company, increasing a payment ability of a client, returning a partial portion of a profit to a corresponding client as electronic money in the case that the profit is generated in an electronic commerce, thereby inducing a concentrated purchase as to the distribution company. CONSTITUTION: A user is registered in a distribution company as a member(S1) and opens a cyber account(S2). The user requests a loan(S7). If a financial institution receives the loan request through the distribution company, a credit of the user is inquired and a credit limit is calculated(S9). If the credit of the user is fine and a loan request amount of money is less than the credit limit, the load is approved and loaned money is transferred to a cyber account of the distribution company(S12). The loaned money is changed into electronic money, accumulated in the cyber account, and the user participates in an electronic commerce.

Description

Electronic commerce method using lendable electronic money}

The present invention relates to an electronic commerce method using electronic money, and more particularly, electronic commerce using a loanable electronic money to activate electronic commerce using a loanable electronic money and enable intensive purchases at a distributor. It is about a method.

Recently, with the spread of the Internet, electronic commerce, which sells and purchases goods and trades various information and services in cyberspace, has been actively performed. In such e-commerce, electronic money is widely used as a payment method with a normal credit card. Electronic money is operated by a financial institution and can be used in all cyber shopping malls. It can be classified into closed electronic money that is used only in limited areas such as member registration companies.

On the other hand, most customers using e-commerce show a variety of purchasing behaviors by comparing various distribution forms existing in actual living spaces and cyber spaces according to their own circumstances. In other words, products that are not urgently needed are purchased at discount stores over the weekend, and urgent products are used in supermarkets and convenience stores in the residential area. In addition, for products that are limited in time and space or relatively low in online shopping malls, a plurality of shopping malls are surfed on the web or the price comparison site is used to make a purchase decision. In addition, products with many suppliers may be purchased through another online distribution, auction or reverse auction.

However, the continuous core task of online and offline retailers in such various forms of purchasing is how to fix customers and make them focus on purchasing the products they need in their own shopping malls. In the case of online purchases, transactions are not actively made due to the small balance of accumulated electronic money.

Therefore, if you induce credit loans and credit purchases for users who frequently use product purchases and small loans, and earn a portion of the profits from credit purchases as points (electronic money), they can be used to repay interest and principal of customers. It can be beneficial to customers, online / offline distributors, and product suppliers, all of which will boost e-commerce.

The present invention has been made to meet the above necessity, to improve the customer's ability to pay by adding a loan function to the closed electronic money operated by a specific distributor, a portion of the profit if the profit occurs due to e-commerce The purpose of the present invention is to provide an electronic commerce method using electronic money that can be loaned to activate the electronic commerce by returning to the customer in electronic money so that intensive purchases can be made to distributors.

1 is a block diagram showing the overall configuration according to the present invention;

2 is a flowchart illustrating an e-commerce procedure according to the present invention;

3 is a detailed flowchart illustrating a procedure for lending electronic money according to the present invention;

Figure 4 is a flow chart illustrating a procedure for earning electronic money by electronic commerce in accordance with the present invention,

5 is a flow chart illustrating a procedure for repaying a loan in accordance with the present invention;

6 is a flow chart showing a processing procedure at the time of termination in accordance with the present invention,

7 is a flow chart illustrating a processing procedure upon delinquency in accordance with the present invention.

☞ Explanation of symbols for main parts of drawing

102: communication network 110: customer

110a: customer wired terminal 110b: customer wireless terminal

120: distributor 122: commerce server

124: member management DB server 126: account management DB server

130: financial company 132: credit rating agency

134: guarantee insurance company 140: product supplier

In order to achieve the above object, the method of the present invention comprises the steps of registering as a member of a distributor and opening a cyber account; Applying for a loan to a distributor; When the financial company receives the loan application through the distributor, inquiring credit for the corresponding customer and calculating a limit; Approving the loan if the credit condition is good and the loan application amount is within the limit, and transferring the loan to the cyber account of the distributor; And converting the loan into electronic money and accumulating it in a cyber account, and then using the same to e-commerce.

In addition, the electronic commerce method of the present invention, further comprising the step of accumulating a portion of the profits generated during the e-commerce in the customer's cyber account as electronic money, from the cyber account at a certain period in accordance with the terms agreed upon the loan The method further includes the step of automatically transferring interest and repayment commitments on the loan. If the balance of the cyber account is insufficient during the automatic transfer, the interest due to the delinquency is calculated and charged, and the customer and distributor are notified.

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

1 is a block diagram showing the overall configuration according to the present invention, a customer 110 and an online distribution service company (hereinafter simply referred to as a 'distributor' through the communication network 102: 120, financial company 130, product provider 140 is connected, the customer 110 is equipped with a wired terminal (e.g., computer, landline phone: 110a) or a wireless terminal (PDA, notebook computer, mobile phone: 110b) for electronic commerce, distributors 120 provides an e-commerce server 122 for providing a web page and performing e-commerce, a member management DB server 124 for managing a member, and an account management DB for managing a cyber account in which electronic money is stored. Server 126 and the like. These servers may exist in one computer or may be distributed and implemented in a LAN environment.

Referring to FIG. 1, the distributor 120 may include a plurality of independent distribution stores or stores having a subordinate relationship in cyberspace, and may sell products online or offline and use the distributor 120. ) As a member. In particular, the customers 110 using the distributor 120 may use electronic money as a payment method after the e-commerce, the distributor 120 operates a cyber account to manage the electronic money of the customer. That is, the commerce server 122 of the distributor 120 provides a web shopping mall by providing a web page, and the member management DB server 124 may provide member information (eg, for example) with the customers 110 using the distributor 120. Name, resident registration number, address, telephone number, mobile phone number, contact, hobby, etc.), and the account management DB server 126 manages a cyber account in which e-money of each member is stored. In this case, the electronic money may be operated in a one-to-one correspondence with the actual money, or operated as a point, and operated by cashing the points during actual transactions (eg, settlement with a commodity supplier or settlement with a financial company). You may.

The customer 110 registers as a member through a predetermined registration process at the time of the first transaction with the distributor 120 and then opens a cyber account for payment during the e-commerce transaction. The cyber account may deposit the electronic money by depositing cash or depositing cash into the designated account of the distributor 120, or in some cases, may be directly transferred by a contract with the financial company 130. In particular, the customer's cyber account (112 in Figure 3) according to the present invention is managed by the account management DB server 126 of the distributor 120 of the profit generated during the e-commerce between the distributor 120 and the customer 110 You can earn a portion as a point, and receive a loan from the financial company 130 may be managed as electronic money. The customer 110 purchases a product from the distributor 120 using terminals 110a and 110b that enable electronic commerce such as a personal computer or a PDA, and passes through the distributor 120 through a procedure as described below. The loan may be applied to the electronic device 130, and electronic commerce may be performed with the distributor 120 using the electronic money filled in the cyber account by the loan.

The product supplier 140 delivers the goods purchased by the customer 110 to the customer 110 according to the instructions of the distributor 120, and pays the price for the goods delivery with the distributor 120. In this case, the distributor 120 may generate more profit in a superior position with respect to the product supplier 140 by purchasing a large amount of goods, and may reserve a portion of the profit in the cyber account of the corresponding customer 110.

The financial company 130 is a normal bank or the like capable of internet banking. When a loan application is received from a distributor 110 by a contract with a distributor 120, the financial institution 130 performs a credit evaluation on the client 110 and then, within the limit. Transfers the loan to the corresponding customer cyber account 112 of the distributor.

As described above, when the customer 110 applies for a loan to a distributor 120 having a cyber account by registering as a member, the distributor 120 transfers it to a financial company 130 having a contractual relationship. 130) sets a limit by evaluating the credit for the customer to the credit rating agency (132 of FIG. 3), confirms the loan application to the customer, and transfers the loan applied by the customer to the cyber account 112 through the distributor 120; Loan it. At this time, if necessary, the financial company 130 holds a guarantee insurance according to the loan to the guarantee insurance company 134, and receives a guarantee insurance policy.

The customer 110 has an improved purchasing power by increasing the electronic money in the cyber account 112 by the loan, and by using this, the consumer 110 performs active e-commerce and purchases a product to achieve activation of the e-commerce. can do. In addition, the distributor 120 accumulates a portion of the profit generated by the e-commerce in the customer's cyber account 112, the customer 110 uses the electronic money accumulated in the cyber account 112 for the loans Repay interest or principal.

As described above, according to the present invention, the distributor improves the purchasing power of the customer by lending, and earns the profits generated by the active commerce of the customer as electronic money (points) and then pays back as interest on the loan. Intensive purchases can lead to greater e-commerce.

2 is a flowchart illustrating an e-commerce procedure according to the present invention.

Referring to FIG. 2, in step S1, the customer registers as a member of the distributor 120, and in step S2, the cyber account 112 is opened to the member registered by the distributor 120. For membership registration, the distributor 120 may request documents for membership registration offline or provide an input screen for membership registration online. And when applying for membership registration, the applicant's ID (ID), password, name, resident registration number, address, family relationship, property status, contact number, telephone number, etc. are input and managed using the member management DB server 124, and the member information. If is changed, you can update. The cyber account 112 may accumulate electronic money that can be used in electronic commerce only in the distributor 120, but the electronic money is preferably operated in the form of points. As such, when operating electronic money in the form of points, a process of converting electronic money (points) to cash is required for the actual transaction with the outside of the distributor 120, and the cyber account 112 for external cash such as loans or deposits. You need to go through the process of converting cash into electronic money (points) in order to send it. And when opening the first cyber account 112 may be given a certain point as a bonus.

After membership registration and cyber account opening, customers can process e-commerce, loans, interest and principal payments as they wish.

When the customer 110 selects the e-commerce in step S3, the customer finds the desired product in step S4 and orders the product, and in step S5, pays the purchase price of the product in electronic money accumulated in the customer's cyber account 112 (payment). do. In step S6, the distributor 120 accumulates a portion of the profit generated by the commerce between the customer 110 and the distributor 120 in the cyber account 112 of the customer as electronic money (point).

When the customer selects a loan in step S7, in step S8 to fill out the documents for the loan application online or offline to apply for a loan to the distributor 120. Examples of documents to be filled out when applying for a loan include a loan agreement, a guarantee insurance contract, and a copy of a resident registration card. These documents can be submitted offline, but they can be submitted online and then submitted using an electronic document. When the distributor 120 receives the loan application, the distributor 120 transfers the information to the financial institution 130, and the financial institution 130 requests the credit rating by delivering the customer information to the credit rating agency 132 in step S9. As a result of the credit rating, the credit status and the limit amount of the customer are determined, and if the loan application amount is within the limit amount, it is determined that the loan is possible and the customer 110 confirms the loan fact. Subsequently, if a guarantee is required, the guarantee insurance is applied to the insurance insurer, and if all processes are processed normally, the loan is transferred to the cyber account 112 of the customer managed by the distributor 120 (S10 to S12). At this time, the delivery method of the loan is changed by the contract between the financial company 130 and the distribution company 120. The financial company 130 directly transfers to the cyber account 112 or transfers to the designated account of the distribution company 120, the distribution company 120 This may be converted into electronic money (points) and earned as points in the cyber account 112.

If the customer 110 selects interest and principal repayment in step S13, in step S14 to apply for repayment through the distributor 120, the financial company 130 in step S15 to check the balance of the customer's cyber account If it is more than the repayment amount, the repayment amount is withdrawn and the repayment is processed. If the repayment is not possible due to insufficient balance (S16 to S18). In this case, it is preferable that the interest is automatically transferred from the cyber account 112 according to the agreement without a separate repayment application.

3 is a detailed flowchart illustrating a procedure for lending electronic money according to the present invention.

Referring to FIG. 3, the distributor 120 manages the cyber account 112 of the customer after processing the member registration for the customer. When the customer 110 determines that the electronic money is insufficient to purchase a desired product, the customer 110 applies for a loan to the distributor 120 to improve the purchasing ability (①). At this time, if there are a plurality of financial companies that can be loaned by contracting with the distribution company 120, after comparing the loan conditions for each financial company, the customer designates the financial company that the customer wants to borrow. The distributor 120 transmits the loan application of the customer to the financial institution 130, and the financial institution 130 reviews the loan application document and then requests the credit rating agency 132 for the customer (2, ③). ). The credit rating agency 132 inquires the credit of the customer and guides the loan limit to the financial institution 130. The financial institution 130 compares the loan application amount and the loan limit amount to the loan company if possible and gives the loan application to the customer by phone or internet. Check using communication means, etc. (④, ⑤). The customer 110 confirms (approves) or rejects the loan application in response to the confirmation phone of the financial company 130, and the financial company 130 provides guarantee insurance to the guarantee insurance company 134 when the customer 110 confirms the loan fact. And the guarantee insurance policy from the guarantee insurance company 134 (6). And the financial company 130 provides a loan to the cyber account 112 of the customer managed by the distributor 120 (⑨). At this time, the method of providing the loan is possible by various contracts between the financial company 130 and the distribution company 120. For example, if the financial company 130 directly transfers to the cyber account 112 or the designated account of the distribution company 120, Distributor 120 may convert this into electronic money (points) to earn as a point in the cyber account 112. As such, when the loan is completed, the customer is notified of the completion of the loan (⑩).

4 is a flow chart illustrating a procedure for earning electronic money by electronic commerce according to the present invention.

Referring to FIG. 4, first, a distributor 120 manages a member's cyber account 112 and then manages a customer's cyber account 112.

If the customer 110 wants to purchase a product, he or she stops at the homepage of the distributor 120 and selects a desired product using a shopping cart function and then orders the product (①). Then, the payment for the ordered goods using the payment function provided in the e-commerce is paid in electronic money from the customer's cyber account 112 (②). Subsequently, the distributor 120 instructs the product supplier 140 to supply the goods, and the product supplier 140 delivers the goods ordered by the customer to the customer 110 according to the distributor's instructions (③, ④). ).

In addition, the product supplier 140 may settle the product price with the distributor 120, and the distributor 120 may accumulate a portion of the profits from the product transaction in an electronic money (point) in the customer's cyber account 112. After that, the customer is notified of the transaction details and points earning history (⑤ ~ ⑦).

On the other hand, the financial company 130 visits the repayment commitment amount or interest from the electronic money accumulated in the cyber account 112 at a predetermined period according to the terms agreed upon when the customer 110 and the loan (8). At this time, the distribution company 120 should convert the electronic money into cash, and the financial company 130 transfers directly from the cyber account 112 or from the designated account of the distribution company 120, and the distribution company 120 internally executes the cyber account ( Direct debit can be processed by going to 112).

Figure 5 is a flow chart illustrating a procedure for repaying a loan in accordance with the present invention.

Referring to FIG. 5, the distributor 120 manages a customer's cyber account 112 and accumulates a portion of the profit generated during electronic commerce as electronic money (points) every time (1). In addition, the customer may deposit cash in the cyber account 112 or the designated account of the distributor 120 to accumulate the electronic money in the cyber account 112 (②). When the loan can be repaid by the accumulation as described above, the customer 110 applies for repayment of the loan to the distributor 120 as necessary (③). The distributor 120 receives the customer's repayment request and requests the repayment to the financial company 130, and the financial company 130 notifies the customer 110 of the amount to be repaid by the customer (④, ⑤). The customer 110 repays the loan by transferring the repayment amount notified from the financial company 130 from its cyber account 112 to the financial company 130, and the financial company 130 indicates that the loan is paid in full when the repayment request amount is received. The customer 110 is notified (⑥, ⑦).

If the loan is not repaid by such a normal procedure and the customer requests the termination of the cyber account or overdue the interest and contract payment, the processing procedure is as follows.

Figure 6 is a flow chart showing a processing procedure at the time of termination in accordance with the present invention.

Referring to FIG. 6, the customer 110 requests a suspension from the distributor 120 managing the cyber account 112. When the distributor 120 receives the cancellation from the customer, the distributor 120 notifies the financial company 130 of the suspension, and the financial company 130 notifies the guarantee insurance company 134 of the suspension of the loan to the customer 110. Request repayment (① ~ ④). The customer 110 repays the loan and interest at a time according to the repayment request of the financial company 130 (⑤).

7 is a flow chart illustrating a processing procedure when arrears according to the present invention.

Referring to FIG. 7, when the financial institution 130 checks the balance of the customer's cyber account to retrieve the repayment amount from the customer's cyber account 112 by automatic transfer, when the balance is insufficient than the repayment amount, Calculate interest and charge overdue interest (① ~ ③). And notify the distribution company 120 and the customer 110 overdue (④).

As described above, according to the present invention, if the customer desires, the bank can receive the loan from the financial company under the optimum conditions, thereby filling the electronic money in the cyber account of the distributor, thereby improving the purchasing power for electronic commerce, and thus, the improved purchasing power. There is an advantage that can be activated by e-commerce more. In particular, by depositing a portion of the profit generated by electronic commerce in the form of electronic money back to the customer's cyber account, the interest or principal of the loan can be paid using the accumulated electronic money, and accordingly the points (electronic It is effective to concentrate purchases to distributors to earn money.

Claims (6)

Registering as a member with a distributor and opening a cyber account; Applying for a loan to a distributor; When the financial company receives the loan application through the distributor, inquiring credit for the corresponding customer and calculating a limit; Approving the loan if the credit condition is good and the loan application amount is within the limit, and transferring the loan to the cyber account of the distributor; And And converting the loan into electronic money and accumulating it in a cyber account, and then using the same to e-commerce. The method of claim 1, wherein the e-commerce method, The electronic commerce method using the loanable electronic money further comprising the step of accumulating a portion of the profit generated during the electronic commerce as the electronic money in the customer's cyber account. The method of claim 1 or 2, wherein the e-commerce method, The electronic commerce method using a loanable electronic money further comprising the step of automatically transferring the interest and repayment commitment amount for the loan from the cyber account according to the terms agreed upon during the loan. According to claim 3, If the balance of the cyber account at the time of direct debit is calculated and charged interest due to the delinquency, and further comprising the step of notifying the customer and distributors using the electronic money available for loans E-commerce method. The method of claim 1 or 2, wherein the financial company further comprises the step of guarantee insurance processing to guarantee insurance company for the loan of the customer when the loan. According to claim 1, The e-commerce is a loanable electronic money, characterized in that when the customer orders the goods to the distributor, the payment in the cyber account, the retailer instructs the goods delivery to the goods supplier, and settles the goods price E-commerce methods used.