KR20040086855A - Method to replace monthly and regular term payment with replacing point in internet and media about it programs are recorded in to be readable by the computer - Google Patents

Abstract

PURPOSE: A monthly installment paying method is provided to enable a user to set a replacement point in paying a monthly installment to a service, and to click and browse advertisement or to use other service for obtaining the replacement point. CONSTITUTION: The method comprises several steps. A user subscribes for a service provider, and logs in a service site. The user applies for a service to be used and a replacement point. The user obtains the replacement point by clicking and browsing advertisement or using other service. The obtained replacement point is compared with the set one periodically. If the obtained replacement point is needed, it is systematically processed.

Description

Method to replace monthly and regular term payment with replacing point in internet and media about it programs are recorded in to be readable by the computer}

In a conventional method of using points, it is common to use points after securing points. However, this method has a problem in that the user needs to find a place to use the point, and another disadvantage is that the user's behavior to select and acquire in the process of acquiring the point is effective for things familiar to the user in advertising or e-commerce. However, it is less effective for new or unfamiliar things, and it is not easy to attract users.

The present invention relates to a method of activating a business such as point utilization and advertisement and electronic commerce in the Internet to compensate for these disadvantages.

Instead of the user's intention, induce advertisers to view advertisements and use the services according to the intentions of Internet companies, merchants, financial institutions, etc., such as advertisers and e-commerce, thereby increasing the efficiency of advertisements and services. Set points in advance and encourage them to use a given ad or service to fill it in.

The previous step is to provide users with inexpensive services such as leases, rents, installments, loans, etc. for fixed periods, such as monthly payments, and encourage them to use advertising or e-commerce as a counter-payment. Initiate.

Therefore, profits can be generated both to the main site, the user, the service provider such as the leasing company, the rental company or the lender, and the companies that the user uses for obtaining points, such as advertisements, e-commerce, and online / offline companies. Discuss business methods that can increase user motivation to participate.

First, replacing point will be explained.In the case where the user uses a service that pays a fixed amount every month or for a certain period by installment, rental, etc., a certain part of the monthly amount such as principal, interest, depreciation, and fee in advance In place of points, it means that the user substitutes the points generated by using advertisements, e-commerce, etc. continuously.

In other words, it is the concept of prepaid alternative currency in the system that can be received in advance and used as an installment, lease, rental fee, etc. There is a lot more to it.

This is because the characteristics of users who have to use advertisements or e-commerce to earn points on a regular basis, and the characteristics that are gathered on a site, increase long-term predictability and revisit, so that the advertisers and companies that provide services for this service There is a lot of room to pay a lot of rewards, and in general, there is room for the user to pay back some amount of money that can be exchanged in the form of brokerage fees or refunds when users link to other sites on the site. There is a possibility to be more.

According to the configuration of the present invention, one or more user computer terminals having an Internet access device, a program, a communication device, a display device, and an input device and a member application of the user are reviewed for qualification and then the member is approved, and the member is managed. Set up replacement point by request of user, record user's designate service to use substitute point and save it on server, record it when user uses service for obtaining replacement point and save it on server, user Programmatically checks whether the user has obtained the necessary replacement points and programmatically takes a follow-up action, and runs an advertisement or service for acquiring the replacement points, or operates a menu for using the service. Internet sites and services for users The company and the user that is composed of a system of a company that provides access service to the obtained point.

Here, the company providing the service to be used by the user may purchase goods or provide services that can be paid on a monthly basis or rent the goods as a lease company, a rental company, a credit card company or a member card company that provides an installment purchase service, online or offline. Provide goods or services to consumers, such as merchants and e-commerce companies, on-line or off-line financial companies or insurance companies that handle loans subject to partial repayments or periodic interest payments, in return for It consists of an online or offline company that receives regular payments of principal, interest, depreciation, and fees.

One or more services that are provided by the main site of the present invention or linked to the agreement with the main site as a company which is in a linked state and agrees to use alternative points of the main site at the request of the user. Say the provider.

Companies that provide services for users to obtain replacement points are companies that users use to cover these replacement points after setting up replacement points for goods purchase, service use, installment use, loan use, etc. Information acquisition and handling agencies, companies, financial institutions, securities firms, credit card companies, member card companies, cashback companies, airlines, Internet service providers, telecommunication companies, It is made up of other companies, and the user purchases the goods or uses the service online or offline, and pays the user a certain amount of cash or cash equivalents, such as points, mileage, refunds, etc. According to the agreement, services can be provided directly from the main site or linked , Consists of companies that paid as an alternative to the set point value to be refunded to you at the primary site, says one user is using to obtain alternate points or more service providers.

If a company does not provide a replacement point for the main site, it may be used as a replacement point by changing the appropriate exchange rate from the main site to the replacement point.

Both individuals and companies can use the present invention, and the areas used include homes, automobiles, home appliances, furniture, medical devices, interiors, communication devices and equipment, computer devices and equipment, heavy equipment and construction equipment, ships, aircraft, office equipment, Reimbursement of interest, principal, or interest over a period of time as payment for installment purchases of goods and services that can be leased and rented, such as decorative items, childcare equipment, toys, and other items and services using a credit card or membership card, and loans using financial institutions. It includes loans, inbox goods, etc., and it is decided to include one or more of businesses that make payments for users for a certain period of time.

To listen to some embodiments of the present invention,

If you purchase a medical device as a lease at a hospital and earn a portion of the monthly lease payments over monthly replacement points such as monthly e-commerce, watching medical advertisements, participating in medical marketing, etc.

Renting a car, setting up rent as a full replacement point, subscribing to internet car magazines on a regular basis, filling out surveys, and watching auto supplies ads can cover replacement points, but sometimes they are short of replacement points. A system that can be set as a debt and then covered by purchasing a car wash through the Internet and a car through e-commerce within 6 months.

The method of setting replacement points is based on interest and fees. If sufficient replacement points can be obtained, they can be applied to depreciation or principal.

You can set all interest and all fees at the time of setting, but you can set a percentage of interest and a fixed amount of interest. In terms of percentages, it may be a combination of all interest and some percentage of the principal.

If you set a lot of replacement points and keep them well, you can subtract some of the replacement points as a benefit to your users.

If the user does not earn as many replacement points as set in a certain period of time, set the insufficient amount as the point debt, and acquire and fill more points for the next period, and increase the point debt more than a certain period or a certain amount, However, if the period for which the necessary points cannot be obtained is longer than a certain period, there may be a disadvantage of adding the points debt.

If it is impossible to cover the replacement point set at the beginning, the user can change it, and if the point debt exceeds a certain amount, a method of forcibly changing the point setting may be used. In addition, if the replacement point debt accumulates continuously and there is no sincerity, it may be terminated or the member may be canceled.In this case, a separate contract with the original contractor, leasing company, rental company, etc. shall be established in advance or terminated at the same time. Or claim for reimbursement by other means.

In the present invention, it is a method of integrating the points to be acquired by the user, and to use them usefully, by combining them with a service that pays a fixed amount per month to enable continuous point management and secure related companies or advertising revenues. That's how.

The main site takes some of the refunds from the companies you use in this process, and receives subscription fees from service providers such as leasing companies and rental companies, and points for companies such as e-commerce companies. Earnings can be earned and other services, advertising, etc. can be made.

As a user, it is helpful to use the points that were not useful if they are received separately as a separate point, and in general, the replacement points are more likely to be larger than the points earned, and the amount of cash mobilization is reduced so that the actual profit increases. Becomes

In order to obtain a predetermined replacement point, the user must watch or use advertisements or e-commerce for a certain degree. Thus, the motivation for viewing the advertisement is clearly motivated, making it much easier to expose users to ads for different products or new products that the advertiser desires.

In the case of leasing companies, rental companies, lenders, etc., they receive points as cash or points through the main site. The lower mental barriers to the use of rentals and loans have the effect of increasing the use of services.

Claims (32)

One or more user computer terminals with Internet access devices, programs, communication devices, display devices, and input devices, and after receiving the membership application of the user and reviewing their qualifications, approving membership, managing members, and replacing them at the user's request. Set up points, record the service when the user designates the service to use the replacement point and save it on the server, record it when the user uses the service for obtaining the replacement point and save it on the server, and obtain the replacement point that the user needs for a certain period of time. The server that programmatically checks whether the program has been followed up and takes a follow-up action on it, and runs an advertisement or service for obtaining replacement points on its own, or operates a menu for using the service, and uses the Internet site and users who operate the entire site. Companies providing services In the system of the company that you provide a service for obtaining access points, Settlement points, such as monthly payments to be paid by the user, set a replacement point for a certain period of time, and the user can use the service to set up replacement points by periods. Internet system in place of (Independent Port) In the system of paragraph 1, the company providing the service to be used by the user shall not be liable for membership card companies, such as leasing companies, rental companies, or credit cards that provide installment purchase services, online or offline merchants and e-commerce companies, partial repayments or periodic interest payments. Provide goods or services to consumers, such as on-line or off-line financial companies or insurance companies that handle conditional loan products, and in return for them, pay regular expenses such as principal, interest, depreciation, and fees at regular intervals. Receiving online or offline company, which provides services directly at the main site consisting of the server system of paragraph 1, or in connection with the user, at the request of the user, agrees to use the alternative point of the main site. One or more services connected by the user, Four systems (dependent claims) In the system of paragraph 1, a company that provides a service that a user uses to obtain replacement points may be an information acquisition and handling agency or company that uses user response, such as an e-commerce company, an online or offline merchant, an advertiser, a marketing company, or a survey. It consists of credit card companies, member card companies, cashback companies, airlines, financial institutions, securities companies, Internet service providers, telecommunication companies, and other companies. It pays a certain amount of cash or cash equivalents, such as mileage and refunds, and directly services or connects to the main site according to the agreement with the main site, and replaces the value to be refunded to the user. Consists of companies that pay as points, so that users can earn One or more service provider systems for (dependent claims) In 1,2,3, Step 1, when a user registers and logs in, Two steps to apply for services for the user and redeem points; 3 steps for the user to obtain replacement points, Step 4 for judging whether the replacement points acquired by the user correspond to the preset points at a predetermined time period; If it lacks, characterized in that consisting of five steps to systematically process this, How to replace payments for a certain period of time, such as monthly payments, using alternative point settings on the Internet. The services to be used by users in paragraph 4 are: homes, automobiles, household appliances, furniture, medical equipment, interiors, communication equipment and equipment, computer equipment and equipment, heavy equipment and construction equipment, ships, aircraft, office equipment, decorative equipment, and childcare equipment. Loans, insurance products, which can be leased and rented, such as toys, toys, and installment payments for goods and services using credit cards or membership cards, and loans using financial institutions that require repayment of interest or principal or interest and principal over a period of time Such as one or more of the businesses receiving payments for a certain period of time. A method in which paragraph 4 determines that a user includes both an individual and a company. Paragraph 4 relates to how to obtain alternate points, which includes advertisements on the main site or linked sites, purchases of goods by the main site or linked companies, use of e-commerce, use of services, response to information, marketing participation, credit card or membership A method of obtaining credits through the use of cards, cashback cards, financial products and services, securities products or services, and communication services, such as advertising, purchase of goods, and use of services. The method of setting an alternative point in Clause 4, and the method of determining a part or all of the interest or fee to be paid at regular intervals, or the fee including interest. The method of setting alternative points in paragraph 4, wherein the interest or fee to be paid at regular intervals, the fee including the interest, and the depreciation fee are determined in part or in whole. Regarding the method of setting the replacement point in paragraph 4, the method of determining a part or all of the total amount including all interest, fees, depreciation, principal, etc. to be paid at regular intervals. How to set the percentage, or set by the user by fixed amount when setting some in 8, 9, 10. (Dependent term) How to reduce a certain amount if the percentage or total amount of replacement points in Clause 11 increases. If the user fails to obtain the replacement points as set in the above section 4, set the insufficient amount as the point debt and acquire and fill more points during the following period. Paragraph 13 is a method of adding point debts when a certain period of time, or more than a certain amount of point debts, or when a period of time for which a necessary point is not obtained exceeds a certain period. How to change point settings at user's request in paragraphs 13 and 14. How to force the point setting to change if the point debt exceeds a certain amount in Section 14. Paragraph 13-16 further includes the process of canceling, or canceling, the member's approval if the replacement points are not fully met for a period of time. In paragraphs 1, 3, and 4, when a user registers a unique point of a site or company which is linked to or is not linked to the main site, the user converts the point to an alternative point based on a certain standard in the main site. ) A method of using a PDA device connected to the wireless Internet with a terminal of the present invention. A method of using a mobile communication device, such as a mobile phone, a third generation mobile communication device, a fourth generation mobile communication device, a notebook computer connected through another communication network, and the like connected to the wireless Internet through a mobile communication network to a terminal of the present invention. In 1,2,3, Step 1, when a user registers and logs in, Two steps to apply for services for the user and redeem points; 3 steps for the user to obtain replacement points, Step 4 for judging whether the replacement points acquired by the user correspond to the preset points at a predetermined time period; If it lacks, characterized in that consisting of five steps to systematically process this, A computer-readable recording medium that records a program on how to substitute payments for a certain period of time, such as monthly payments, using alternative point settings on the Internet. A computer-readable recording medium recording a program relating to a method of setting an alternative point in paragraph 4, wherein the program relates to an interest or fee to be paid at regular intervals, part or all of a fee including interest. Subordinate terms) Paragraph 4 describes how to set up replacement points, which can be read by a computer that records a program on how to combine interest, fees, interest-bearing fees, and depreciation charges with some or all of them. Recording media (dependent port) Paragraph 4 relates to how to set up replacement points, which can be read by a computer recording a program on how to set some or all of the total amount including interest, fees, depreciation, principal, etc. Record carrier (s) A computer-readable recording medium that records a program on how to set the percentage or set the user's decision by fixed amount when setting a part in Sections 8, 9 and 10. A computer-readable recording medium in which item 11 describes how to reduce a certain amount as the percentage or total amount of replacement points increases. If you do not receive as many replacement points as you set in a certain period of time, you can read them with a computer that records a program on how to set up a deficiency in points debt and earn more points for the next period. Recording media (dependent port) Paragraph 13, a computer-readable recording medium recording a program on how to add a point debt if a period of time, or more than a certain amount, of points is exceeded or a period of time for which a necessary point is not obtained. term) A computer-readable recording medium that records a program on how to change point settings at user's request in sections 13 and 14. A computer-readable recording medium that records a method for forcing a point setting to be changed if a point debt exceeds a certain amount in Section 14. A computer-readable recording medium that records a program on how to further terminate, cancel, or revoke a member's approval if, in the event of failure to meet all of the replacement points, in paragraphs 13-16. In Sections 1, 3, and 4, a program on how to convert a site or company's unique points to or from the main site and convert them into alternative points on the main site by certain criteria. A computer-readable recording medium that records a record.