KR20070033588A - Financial product interest support system through e-commerce - Google Patents

Abstract

The present invention is a financial product interest support system through electronic commerce. More specifically, an online shopping mall in which depositors, lenders, and insurers associate with financial institutions in such a way that a financial institution provides financial benefits in accordance with a person's deposit products, loan products, and insurance product purchasers and the use of services online. Through the service product mall and the agent mall, a certain percentage of the product amount is acquired according to the purchase of the product and the use of the service, paid in connection with the deposit interest, offset against the loan interest, or paid part or all of the premium to the insurer. In addition, financial institutions also accumulate depositors lenders insured earn a portion of the distribution profits from the purchase and use of services with this system, and to the sellers of goods that sell products in shopping malls, service malls and agent malls that are components of the system Evaluate online sales and provide loan service with online sales It is a financial product interest support system through electronic commerce that has a function of free insurance according to member type and grade.

The effect of the present invention is that the depositor receives more interest, the lender can give interest on the loan, the insured has the effect of discounting the premium, financial institutions can easily sell deposits, loans, insurance products In addition, it is possible to obtain new profits through the consumption of users of financial products, and users of financial products can benefit from the financial benefits and the convenience of purchasing all on one online site and the safety of transactions. It is subscribed to and covered by insurance, and product sellers can obtain loans quickly at low interest rates through online sales.

Interest payment method, deposit interest, loan interest, mileage

Description

System interest payment of a financial goods through electronic commerce}

1 is a block diagram of a financial product interest support system through electronic commerce.

2 is a flow chart illustrating a method for deposit subscribers to join the shopping interest support server to receive deposit interest in financial mileage.

3 is a flowchart illustrating a method in which a borrower subscribes to a shopping interest support server and receives a loan interest discount by financial mileage.

4 is a flowchart illustrating a method in which an insured receives a payment in whole or in part in a financial mileage by subscribing to a shopping interest support server.

FIG. 5 is a flowchart illustrating a method of receiving a financial mileage by applying for a product in a service product mall or an agent mall by a donor, a lender, and an insurer who are members of a shopping interest support server.

6 is a flowchart illustrating a method of receiving a financial mileage by a depositor, a lender, and an insured subscriber who are members of a shopping interest support server to purchase a product from an external product sale site.

Figure 7 is an example of a screen showing a member account of the shopping interest support server.

8 is an exemplary view of a screen that appears when a member requests to purchase a product on an external product purchase site associated with a shopping interest support server.

<Explanation of symbols for main parts of drawing>

1. Depositor Client 2. Loan Client

3. Insured Client 4. Shopping Interest Support Manager Client

5. Seller Client 6. Financial Institution Client

7. Financial institution server 8. External product sales site

9. Internet Network 10. Shopping Interest Support Server

11. Membership Management Program 12. Account Management Program

13. Financial Mileage Program 14. Product Sales Support Program

15. External Site Product Purchase Program 16. Online Sales Collateral Program

17. Shopping Mall Server 18. Service Product Mall Server

19. Agent Mall Server 20. Cyber Cash

21. Financial Mileage

The present invention is a financial product interest support system through electronic commerce. More specifically, an online shopping mall in which depositors, lenders, and insurers associate with financial institutions in such a way that a financial institution provides financial benefits in accordance with a person's deposit products, loan products, and insurance product purchasers and the use of services online. Through the service mall, service product mall, and agent mall, a certain percentage of the product value is accumulated according to the purchase of the product and the use of the service, paid in connection with the deposit interest, offset against the loan interest, or part or all of the premium to the insured. The financial institution also saves a portion of the profits from the deposits and the borrower's insurance under this system to purchase goods and use the service, and sells the products in the shopping malls, service malls and agent malls that are components of the system. Loan service by evaluating online sales to the seller And the ability to, a financial instrument and support system with e-commerce features that you have to join an insurance free of charge, depending on the membership type and rating.

Among conventional deposit products, the method of receiving more deposit interest from purchasing goods is to receive more interest benefits by evaluating the financial institution using various financial products at one financial institution, or to obtain a credit card linked to the deposit product. There was a way to pay more interest to depositors when they used it, and some banks paid a gift certificate, or there was an interest payment method to convert interest to card points in partnership with distribution companies.

The conventional problem is that at the time of e-commerce development, financial services of financial institutions, corporate product sales, and consumer product purchases are efficiently combined. There was no way to pay the loan interest, and there was no way to discount the loan interest in relation to the loan in accordance with the lender's consumption on the online shopping and service use. There was no service to pay insurance payments.

In addition, there was no way for financial institutions to take advantage of the distribution of goods and services in relation to the consumption of customers purchasing financial products.

In addition, there was no function of lending services to the online merchandise sellers as collateral for the proceeds to be deposited online.

In addition, when depositors, lenders, and insureds use their online shopping or other services for organizations or individuals, no online company earns sponsorship mileage.

In addition, by purchasing products, services, contracts, and agent products, which are products that can be purchased online from one site, maximizing distribution efficiency and increasing creditworthiness or providing financial benefits to users of financial products by rewarding distribution efficiency. Was not.

In order to improve the above-mentioned problems, when financial institutions sign up, take out loans, or insured individuals and businesses use the purchase and services of products in online shopping malls, service product malls and agent malls linked to financial institutions, Enter the means for authenticating the subscriber, the means by which the depositor lender insurer joins the shopping interest support site and uses the shopping and other services to earn financial mileage, and the type of account deposit amount loan amount insurance type insurance amount The membership classification means that the membership level is determined and the financial mileage payment rate is differential, the means by which the financial mileage is accumulated at the main financial institution when the member sets the main financial institution, and the virtual financial mileage account when the member registers at the shopping interest support site Means of creating a cyber cash account used for purchase And means for transferring the financial mileages accumulated in the virtual account to the member's financial institution real account.

In addition, a means for paying deposit goods interest by accumulating financial mileage according to online shopping and other service use to deposit subscribers, a means for lenders discounting loan interest according to shopping and other service use online, and to subscribers online. Means of paying insurance payments to financial mileage according to the use of shopping and other services, and depositor lenders If the insured spends a certain amount on the shopping interest support site, it guarantees a certain interest to the depositor, discounts a certain interest rate to the lender, or insurance Establish a means of paying a certain amount of insurance payments to subscribers, and a means of saving donors to financial mileage when using the online shopping or other services by selecting an individual or group to which the beneficiary lender insured pays. do.

In addition, if the financial institution prepays deposit interest to the depositor and the financial mileage earned when the depositor uses online shopping or other services reaches the prepaid interest, the prepaid interest is paid to the financial mileage. If payment is made to the depositor and there is less financial mileage than the prepaid interest, a means of recovering the prepaid interest paid from the depositor from the depositor's real account is established.

In addition, the borrower contracts with the financial institution to receive interest discounts, or when borrowing without interest, purchases goods online and pays the loan interest to the financial mileage earned using the service, and the financial mileage commitment If the amount paid to the financial institution is less than the interest, the lender pays the loan interest on his own money and any remaining city loan interest that is more than the loan interest that the financial mileage must pay is left to his real account. Build means.

In addition, if a shopping interest support site member requests to purchase a product by saving a product of an external site as a scrap module without registering as a member, the shopping interest support site manager purchases the product, delivers it to the member, and processes payment. Build means.

In addition, by evaluating the online sales to the product sellers who sell the products in the shopping mall, service mall, and agent mall, which are the components of the system, the loan amount and interest rate are displayed, and the product seller receives the loan service as collateral for the expected sales revenue. Build means.

In addition, when a member does not use a card that incurs a fee, and pays a bank account without a bank account and pays a product using cyber cash or uses other services, a means for additional payment of financial mileage is established.

In addition, the financial mileage obtained by the member to purchase goods and use of the service is accumulated in the financial mileage virtual account to build a means to increase interest by compound or single interest.

In addition, when the member requests the seller to purchase the tax invoice cash receipt receipt after the purchase of the goods, the seller establishes a means for issuing the purchase slip in the tax invoice cash receipt receipt.

In addition, when a member of a shopping interest support site purchases a product or other service, a means for earning financial mileage to a purchase member, a shopping interest payment operator, a member of a member's sponsor, and a financial mileage account of a financial institution is established.

In addition, by establishing a means for financial institutions to check the data for each financial institution's members, the financial institution buyers can earn financial mileage from purchasing products and using services on shopping interest support sites. In the case of receiving the credit, the financial institution shall establish a means for evaluating the credit rating through the consumption analysis data of the member in the financial institution.

In addition, by establishing a program that allows members to know the amount of financial mileage accrued according to the purchase of goods and the use of the service before the product is purchased, a means for showing how much financial mileage is accumulated when a certain type of product is consumed by how much.

In addition, service products that cannot be traded online (education, telephone subscription, internet subscription, cost services, etc.) and agent products (travel, real estate, automobiles, consulting, etc.) are registered with the product information by determining the financial mileage to be paid by the seller. After the member transfers the product purchase intention to the seller through online means and trades the product, the seller establishes a means for accumulating the financial mileage in the member's virtual account when the seller pays the registered financial mileage.

In addition, a means for operating a shopping mall, a service product mall, and an agent mall divided into a corporation and a corporate transaction, a corporation and a personal transaction, and an individual and a personal transaction, and a means for processing and storing electronic commerce data.

It also establishes a means of providing insurance to members with certain requirements free of charge according to their membership level.

In addition, instead of converting the accumulated financial mileage to the real account, the member establishes a means to purchase a product by converting into a cyber cash.

In addition, an object of the present invention is to establish a means for adjusting the membership level by reflecting changes in the termination of deposit expiration, termination of loan maturity, termination of insurance, and termination of insurance.

In describing the configuration of the invention.

Referring to Figure 1 describes the configuration of the financial product interest support system through electronic commerce.

Depositor Client (1), Lender Client (2), Insurer Client (3), Shopping Interest Support Manager Client (4), Product Seller Client (5), Financial Institution Client (6), Financial Institution Server (7), External The product sales site 8 is connected to the shopping interest support server 10 through the Internet network 9, and the shopping interest support server 10 is a member management program 11, an account management program 12, and a financial mileage program ( 13), product sales support program (14), external site product purchase program (15), online sales security program (16), shopping mall server (17), service product mall server (18), agent mall server (19) It is.

Description of the principal names of the present invention.

Depositor client (1) is a computer used by the depositor is connected to the shopping interest support server 10 through the Internet network (9) to join the membership, you can check the deposit management account, loan management account, insurance account, You can check the product purchase account, service product purchase account, agent product purchase account, the main management financial institution information, deposit account information, loan account information, insurance payment account information, financial mileage payment account information, financial mileage Optionally input sponsored information, create a cyber cash virtual account, create a financial mileage account to check the virtual account, purchase goods and services from the shopping interest support site and external sites, process payments and finance mileage This is a wired / wireless computer used by depositors who can check their membership level.

If the lender client (2) is connected to the shopping interest support server 10 through the Internet network (9) using a computer used by the lender to join the member, it is possible to check the deposit management account, loan management account, insurance account, You can check the product purchase account, service product purchase account, agent product purchase account, the main management financial institution information, deposit account information, loan account information, insurance payment account information, financial mileage payment account information, financial mileage by the account management program Optionally input sponsored information, create a cyber cash virtual account, create a financial mileage account to check the virtual account, purchase goods and services from the shopping interest support site and external sites, process payments, and receive financial mileage This is a wired / wireless computer used by lenders to check their membership level.

The insured client (3) is a computer used by the insured by accessing the shopping interest support server (10) through the Internet network (9) to join the membership, you can check the deposit management account, loan management account, insurance subscription account You can check the product purchase account, service product purchase account, agent product purchase account, the main transaction financial institution information, deposit account information, loan account information, insurance amount payment account information, financial mileage payment account information by the account management program Select the financial mileage sponsored information, create a cyber cash virtual account, create a financial mileage account to check the virtual account, purchase goods and services from the shopping interest support site and external sites, and process payment Wired / wireless computers used by insurers who can check financial mileage and check their membership level The.

The depositor client (1), the lender client (2), and the insurance subscriber client (3) is a depositor, a borrower, a person or corporation with insurance, each member deposits with a single ID, each deposit A management account, a loan management account, an insurance subscription account are created, a product purchase account, a service product purchase account, and an agent product purchase account are created, and each virtual account account is created for the member. Additional sales accounts are created, and information input and other programs are applied according to the type of member.

The shopping interest support manager client (4) is connected to the shopping interest support server (10) through the Internet network (9), membership management, seller approval, financial institution membership approval, financial mileage accumulation rate adjustment according to the product purchase, payment information It is a wired / wireless computer used by a shopping interest support site manager who checks whether cyber cash is charged, cyber cash filling, external site product purchase processing, membership bank account, loan bank account, and insurance bank account.

The merchandise seller client 5 is a computer used by a person who sells merchandise in a shopping mall, a service merchandise mall, and an agent mall. The merchandise seller approves sales by connecting to a shopping interest support server 10 through the Internet network 9. To sell tangible and intangible products, and to sell service products and agent products, register product information and financial mileage to be paid, receive product application from the purchasing member, sell the product, and pay the financial mile entered during product registration. Is a wired / wireless computer used by sellers.

The financial institution client 6 is a computer used by a financial institution. The financial institution client 6 accesses the shopping interest support server 10 through the Internet network 9 and registers as a member to generate a financial institution branch code. You can enter the actual account to be created and receive financial mileage, you can check the financial mileage payment information of the member set as the main bank, the member's loan application information can be checked, the member's bank account, loan account, insurance You can check the existence of the bank account member to verify the credit, check the purchase and sale of the member to check the creditworthiness, set the online sales security management and withdrawal restrictions of the seller member, and the member's financial product expiration or cancellation It is a wired / wireless computer used by a person related to a financial institution used to reflect the rating.

The financial institution server 7 is a financial institution server used for product settlement, payment payment to the seller, financial mileage payment to the member, cyber cash charging, and seller sales security loan, and is a computer of a bank, a card company, and an insurance company.

The external product sales site 8 is a site for selling goods and services other than the shopping mall server 16, the service product mall server 17, and the agent mall server 18 operated by the shopping interest support server. A shopping interest support manager who supplies goods at a discounted price through an alliance with an interest support site operator, and allows the retail interest support manager client (4) to pay financial mileage to the member who applied for the product. Affiliate site that sells products to the client (4) at a discounted price. When the shopping interest support server (10) member searches for the product on the external product sales site (8) and orders the product with the shopping scrap function, the shopping interest support manager The client 4 purchases the product selected by the member, delivers it to the member, pays the product price to the external product sales site 8, It is affiliated sites operated in a way that every deduction amount.

The internet network 9 is a wired / wireless network in which communication data of constituent computers of the present invention comes and goes.

The shopping interest support server 10 includes a member management program 11, an account management program 12, a financial mileage program 13, a product sales support program 14, an external site product purchase program 15, and an online sales collateral program. A module connected to the shopping mall server 17, the service product mall server 18, and the agent mall server 19 to be transmitted to the corresponding data visitor client and displayed on the client computer screen, and the corresponding data received from the client, respectively. It is a computer equipped with a module for processing data, storing data, and supporting card payment, account transfer, and passbook payment, which members use when purchasing products and using services.

Membership management program (11) is provided with a subscription module, depositor seller approval module, financial institution approval module for each depositor lender insurance subscriber member, the financial institution client of the bank account, loan bank account, and insurance bank account membership of the member (6) ) Or a module that is checked by the shopping interest payment manager (4) and reflected in the membership class, and a module that provides insurance to the members free of charge according to the membership level is classified according to the membership level. User information can be checked by logging in to the insurance company, and the shopping interest support manager pays the insurance money and has a module that reflects the insurance by approving the insurance to the member consistently. Commodity purchasing account, sales account, agent commodity transaction account, service commodity disposal There is a new account module, a consumption analysis module that displays the financial mileage earned items by shopping mall for each product according to the member's purchase and service use, and when the member receives financial services from a financial institution, the consumption analysis data is financed by credit evaluation items. There is a module that outputs to the institutional client (6), it displays the amount and interest rates available for loan by evaluating the monthly sales to the product seller member, there is a module that can apply for a loan, the member knows in advance the financial mileage according to the product purchase There is a purchase prediction program that can be selected, and if a product is selected as a purchase prediction program, the program includes a module for outputting the type of the selected product, the price of the product, and the total financial mileage.

Account management program (12) is the member's account type deposit amount loan type insurance type insurance amount is selectively reflected in the membership class and the financial mileage payment rate is differentiated, and the member's financial mileage When the member sets up the main financial institution and the sponsor, the module that the main financial institution also accumulates the financial mileage when the member accumulates the financial mileage through shopping and other services, the depositor member, the lender member, the subscriber's member There is a module that reflects the changes in the membership class by the financial institution client (6) or the shopping interest payment manager (4) through the account number or the member's unique number when canceling the deposit maturity, the loan maturity loan cancellation, insurance expiration, etc. .

In addition, if the depositor, the lender, or the insured use a certain amount on the shopping interest support site to obtain the financial mileage to pay the deposit settlement interest, the loan settlement interest discount, and the insurance premium payment, the depositor guarantees a certain interest or It is a fixed interest module that discounts a certain interest rate or pays a certain amount of insurance payment to an insurer, and there is no financial mileage due to product purchase when using the fixed interest module, and converts the cyber cash by a predetermined amount Service module applied when purchasing a product.

In addition, the module used to receive deposit interest in advance in the financial institution is the prepayment of deposit interest to the depositor, and the prepaid interest is paid by the financial institution client (6) or the shopping interest payment manager (4). This is a module that makes the financial mileage minus by inputting the account and amount to receive.The financial mileage earned by the depositor when the depositor reaches the interest paid in advance to the depositor by accumulating the financial mileage by purchasing goods and using the service online. If the payment is made to a real account or mileage account, the surplus of financial mileage is left to the depositor, or paid to the real account, and if the financial mileage is less than the interest paid in advance, the remainder of the amount is recovered from the depositor's real account by the financial institution. Services where depositors cannot withdraw financial mileage until repayment of prepaid interest in modules Module.

In addition, the module used when discounting loan interest in advance at the financial institution is used by the lender to commit the loan with the financial institution to lower the loan interest rate, or when the loan without interest is prepaid, the interest discounted by the financial institution client (6). Alternatively, the shopping interest payment manager (4) inputs an account and an amount to receive a pre-discount interest, and the financial mileage becomes a negative module. When the loan reaches the discounted interest, the financial mileage earned by the lender is paid to the financial institution's real account or financial mileage account, and the excess amount of the financial mileage remains in the lender's financial mileage account or paid to the lender's real account. If there is less financial mileage than the interest, the remainder of the amount is returned to the lender's real account. Financial miles until you repay the discount and services module to module line is that borrowers can not withdraw that.

In addition, the module used to receive insurance payments in advance at a financial institution is provided to the financial institution client (6) or the shopping interest payment manager (4) to pay when the insured makes an insurance contract with the financial institution to pay the insurance payment to the financial mileage. A module that makes financial mileage negative by entering insurance payment account and amount.The financial mileage earned by the insured by the insured's purchase of products and the use of the service online is saved in the financial institution's real account or mileage account. The amount exceeding the mileage remains in the subscriber's financial mileage account or paid to the real account, and if the amount paid is less than the financial mileage, the remainder of the amount is prepaid as a module collected by the financial institution from the subscriber's real account. The insurer cannot withdraw financial mileage until the reimbursement of the reimbursed insurance payment is made. Service module.

In addition, the depositor lender insured member selects a method of receiving a prepayment interest to be paid in advance in financial mileage through a contract with a financial institution, a method of receiving a discount on the loan interest, and a method of receiving a prepayment of insurance payment amount. Instead of receiving the deposit interest, loan discount, and insurance payment amount as financial mileage with the financial mileage earned according to the purchase and use of the service, enter the real account deposit information in the virtual mileage account. When the financial mileage is accumulated according to the purchase and use of the service, a certain amount is reached, and according to a certain cycle, the program includes a module that is deposited into the real account entered by the member in the virtual mileage account of the member.

The financial mileage program (13) is a module for creating a virtual account that can accumulate financial mileage to depositors, lenders, insurers, sellers, financial institutions, and sponsor members, and cyber cash virtual accounts used by members to purchase goods and services. And a module for transferring the financial mileage accumulated in the virtual account to the member's financial institution's real account, and the shopping interest support manager client (4) adjusts the financial mileage accumulation rate module for each member level, shopping mall, and service products. There is a module that can set the financial mileage for each product of the mall, agent mall, external product purchase site, and the financial mileage payment module to be paid by the service product mall and agent mall seller, and the financial mileage accumulated by the member is not converted into the real account. Module that allows users to purchase products by switching to the cyber cache, and the member can charge the cyber cache It is provided with a cache driver module.

In addition, when purchasing a product or using other services, there is a module that additionally pays the financial mileage or additional when the member charges the cyber cash, and the financial mileage obtained by the member purchasing the product and the service is stored in the financial mileage virtual account. There are modules in which interest is accumulated and compound interest is increased.

In addition, the method of earning financial mileage for the member's sales and service use is the method of earning the financial mileage when the member selects and pays the product, and the module that earns the financial mileage when the member receives the product and selects delivery confirmation. There is a module that can be set by connecting the shopping interest support manager client (4) to the shopping interest support server (10) by purchasing the.

In addition, there is a module that allows members to pay depositors' prepayment, borrower's discount, and insured's pre-insurance payments to financial mileage when the member contracts with a financial institution. The program is equipped with a module that is credited to the purchasers, shopping interest payment companies, member sponsors, financial institutions of each financial mileage account.

The merchandise sales support program 14 has a module for setting the seller to issue the bill and the receipt in receipt when the member requests the purchase slip in the tax invoice cash receipt after the purchase of the merchandise, and the seller registers the merchandise in the shopping mall. There is a module that can be sold, and the financial mileage to be paid by the seller for service products that cannot be traded online (education, telephone subscription, internet sign-up, cost service, etc.) and agent products (travel, real estate, automobiles, consulting, etc.) There is a module that registers in the service product mall or agent mall with the product information, and there is a module that a member registers the purchase intention of the product and delivers it to the seller online, and the seller provides a service product mall (17) or agent mall (18) There is a module to receive the product application, sell the product, and pay the financial mileage 21 to be paid by the seller (5). The shopping interest support manager client (4) has a module that can limit the minimum and maximum amount of the financial mileage (21) according to the seller's goods, depending on the product price, so that the seller (5) The financial mileage can be registered within the maximum amount, and after the sale of the product, the seller pays the registered financial mileage and the module accumulates the financial mileage in the virtual account of each member, shopping interest payment company, member's sponsoring member, and financial institution. .

The external site product purchase program 15 allows a member to search for a product on an external product sales site 8 affiliated with a shopping interest support server 10 and a list of products to purchase a product. Module displayed on the product purchase account of the product and the price of the product to be purchased by the member in the purchase approval window, if the cyber cash owned by the member is smaller than the product to be purchased, the product cannot be purchased from the external product sales site (8). There is a module that has a module, a module that displays the approval to purchase a product if the cyber cash is more than the product to be purchased, and a module in which the screen is scraped and stored at the same time the product is searched for by the member. The shopping interest support manager client (4) accesses the external product sales site (8) and inputs the shipping address entered by the member to purchase the product. And, after paying the price and input the product purchase facts to store the contents of the purchase of the product, the shopping interest payment manager (4) and a module for outputting the facts of the purchase in the product purchase account of the member who applied for the product, and the member Receiving the goods, and acknowledging the delivery of goods in the commodity purchase account settlement of the member's cyber cash 20 is reduced to the member's cyber cash account and the financial mileage is a program that has a module that is earned.

Online sales collateral program (16) is a module that displays the amount of loans and interest rates available in the merchant's member account by averaging the average monthly sales amount sold by the seller (5) shopping mall, service mall, agent mall, A module for applying for a loan service with the expected sales revenue online, and a module for approving a loan by the financial exchange client (6) or the shopping interest payment manager (4) to approve the loan application requested by the seller and deposit the loan to the seller account. The loan amount is a module that sells the seller's products and withdraws the loan from the accumulated cyber cash or financial mileage regularly and deposits the loan to the virtual account or the real account by the financial institution client (6) or the shopping interest payment manager (4). And set a loan repayment date so that the cyber cash or financial mile is negative and the negative amount is It is a module that makes the withdrawal of the loan. The loaned seller pays out the loan by retracting the cyber cash in the virtual account and the remaining cyber cash is withdrawn by the seller and the cyber cash amount is less than the loan payment. It is a program with modules that cannot use cyber cash and financial mileage and cannot be withdrawn.

The shopping mall server 17 is combined with the shopping interest support server 10 and is a shopping mall program in which a seller registers a product and a member can purchase. The shopping mall server 17 is divided into a corporate and corporate transaction, a corporate and individual transaction, and an individual and individual transaction. It is a computer that operates and processes and stores transaction data.

The service product mall server 18 is coupled with the shopping interest support server 10 to make a payment for the product price online, to receive the product price on a regular basis, or to perform a part of the transaction offline (service products, As a mall that sells phone sign-up, internet sign-up, cost service, etc., the seller can register the product with the product information by inputting the financial mileage to be paid to the member. It is a computer that can be registered in a trading account and sell products, and is divided into corporations, corporate transactions, corporations and individual transactions, and individuals and individual transactions, and processes and stores transaction data.

The agent mall server 19 is coupled with the shopping interest support server 10, it is difficult to pay the price of goods online, or receive the goods price regularly, or agents that need to perform a part of the transaction offline (real estate, automobiles, Marriage counseling, consulting, etc.), the seller can enter the financial mileage to be paid to the member to register the product with the product information, and when the member applies for the product, the buyer information is registered in the seller agent product transaction account It is a computer that processes and stores transaction data, which is divided into corporations, corporate transactions, corporations and individual transactions, and individuals and individual transactions.

The cyber cash 20 is a cyber money that a member can use as cash by charging a virtual account through card payment, account transfer, and bankbook payment.

The financial mileage (21) is a cyber money earned when a member purchases a product and uses a service, and is accumulated in a virtual account of a product purchase member, a financial institution, a sponsor, a member of the site manager, and the deposit interest, loan interest, insurance payment, Cyber money that can be used as a cyber cash conversion.

In explaining the operation of the present invention.

Referring to Figure 2, the deposit subscriber subscribes to the shopping interest support server 10 as a member to receive the deposit interest in financial mileage,

start;

A depositor client (1) accessing the shopping interest support server (10) through the Internet network (9) and registering the member (101);

The depositor client (1) If the deposit type, deposit account, deposit amount, main transaction financial institution, sponsor, financial mileage 21 to receive the deposit account information selectively input, shopping interest support server 10 depositor client (1) Step 102 of assigning a membership level;

The product is selected from the shopping mall 17, the service product mall 18, the agent mall 19, and the external product purchase site 8 provided by the depositor client 1 shopping interest support server 10 Purchasing 103;

Accumulating the financial mileage 21 determined according to the shopping interest support server 10 product in the depositor client 1 virtual account (104);

The interest-supporting financial products through e-commerce, comprising the step 105 of depositing the financial mileage 21 of the virtual account of the depositor client 1 of the shopping interest support server 10 into the deposit real account of the depositor client 1; system.

The depositor receives the definite interest through the shopping interest support server 10 in a way of guaranteeing a certain interest to the depositor when a certain amount is used on the shopping interest support site, and the product within a predetermined time by a predetermined amount with respect to the definite interest. Applies when purchasing.

Another method of receiving the deposit interest in advance is that the prepayment interest is paid to the depositor, and the prepaid interest is paid by the financial institution client 6 or the shopping interest payment manager 4 to the depositor financial mileage virtual account. Enter the account and amount to receive the prepaid interest, and the financial mileage becomes negative.The financial mileage earned by the depositor when the depositor reaches the interest prepaid to the depositor by accumulating the financial mileage by purchasing goods and using the service online. Is transferred to the financial institution client (6) or the shopping interest support site operator's real account or mileage account, and the depositor's extra financial mileage is left to the depositor or paid to the real account, and the depositor's financial mileage is If not, the financial institution or site operator can withdraw it from the depositor's real account. Until you repay the interest paid to finance mileage can not be depositor withdrawals.

When the depositor client (1) member pays for the purchase of goods and other services, the financial mileage is accumulated as a virtual mileage account for each purchaser, a shopping interest payment company, a member of the member's sponsor, and a financial institution.

The person who can pay the preliminary interest to the depositor client 1 may be performed by a financial institution and a shopping interest support server 10 site operator.

With reference to FIG. 3, the lender joins the shopping interest support server 10 as a member and receives a loan interest discount with financial mileage.

start;

A member registration step (201) by accessing the shopping interest support server (10) through the lender's client (2) Internet network (9);

The lender client (2) If the loan type, loan account, loan amount, main transaction financial institution, sponsor, financial mileage 21 to receive the loan payment actual account information selectively, the shopping interest support server 10 lender client ( Granting a membership level to 2) (202);

The product is selected from the shopping mall 17, the service product mall 18, the agent mall 19, and the external product purchase site 8 provided by the lender client 2 shopping interest support server 10 Purchasing step 203;

Accumulating the financial mileage 21 determined according to the shopping interest support server 10 product in the lender's client 2 virtual account (204);

The interest-supporting financial products through e-commerce comprising the step of depositing the financial mileage 21 of the virtual account of the lender's client 2 to the lender's client 2 into the real payment account of the lender's client 2; system.

The method of obtaining the interest discount by the loaner through the shopping interest support server 10 is a method of discounting the interest to the borrower by using a predetermined amount on the shopping interest support site. As long as it is applied when purchasing goods in the shopping interest support server 10 within a certain time.

In another way, the borrower discounts the interest in advance, the loan discount interest to the lender in advance discount, the interest discounted by the financial institution client 6 or shopping interest payment manager (4) the lender financial mileage virtual account Enter the account and amount to receive the discount interest by setting the discount discount on the bank, and make the financial mileage negative.When the borrower earns the financial mileage by purchasing goods and using the service online, the borrower reaches the interest discounted to the borrower. Transfer the financial mileage earned by the financial institution client (6) or the shopping interest support site operator's real account or mileage account, and the remaining amount of the borrower's financial mileage is left to the lender, or paid to the real account, If the borrower's financial mileage is low, the financial institution or site operator may collect it from the lender's real account. You can not withdraw a financial lender miles until you repay the advance payment and the way.

When the lender's client (1) member pays using the product purchase and other services, the financial mileage is accumulated as a virtual mileage account of each purchase member, shopping interest payment company, member's sponsoring member, and financial institution.

The person who discounts interest to the lender client 1 may be performed by a financial institution and a shopping interest support server 10 site operator.

With reference to Figure 4 how the insured subscribes to the shopping interest support server 10 as a member to receive some or all of the insurance payments to the financial mileage,

start;

A subscriber registration step 301 by accessing the shopping interest support server 10 through the insurance client 3 and the Internet network 9;

The insurance subscriber client (3) If the insurance type, insurance account, insurance amount, the main transaction financial institution, the sponsor, financial mileage 21 to receive the insurance payment actual account information selectively, the shopping interest support server 10 insurance subscriber Assigning a membership level to the client 3 (302);

The product is selected from the shopping mall 17, the service product mall 18, the agent mall 19, and the external product purchase site 8 provided by the insurance subscriber client 3 and the shopping interest support server 10. To purchase (303);

Crediting the financial mileage 21 determined according to the shopping interest support server 10 product in the subscriber's virtual account 3 (304);

The payment through the e-commerce, comprising the step (305) of depositing the financial mileage 21 of the virtual account of the purchase interest support server 10, the insurance subscriber client (3) to the insurance payment actual account of the insurance subscriber client (3) Commodity Interest Support System.

The method of obtaining insurance premiums by the insured person through the shopping interest support server 10 is a method of supporting a predetermined amount to the insurer by using a predetermined amount on the shopping interest support site. Is applied when purchasing goods in the shopping interest support server 10 within a predetermined time by a predetermined amount.

In another way, the insured person receives the insurance payment amount in advance, the insurance provider prepays the amount to support the insurance payment amount, and the prepaid insurance payment amount is paid by the financial institution client 6 or the shopping interest payment manager 4. Insurer's Financial Mileage Set the prepaid insurance payment amount in the virtual account, enter the account and amount to receive the insurance payment amount, and make the financial mileage negative, so that the insurance subscriber earns the financial mileage when purchasing the product and using the service online. When the amount of the insurance premium paid up to the insured is reached, the financial mileage earned by the insurer is transferred to the financial institution client (6) or the real account or mileage account of the shopping interest support site operator, and the surplus of the financial mileage of the insured person is The amount paid to the insured or left to the real account and paid up front. Than if the insurance is less mileage Finance, Financial miles until you pay the insurance amount paid upfront to the way the institution or site operator to recover from the insured yarn accounts can not withdraw the insured.

When the insured client (1) member pays for the purchase using the product purchase and other services, the financial mileage is accumulated in the virtual mileage account of the purchasing member, the shopping interest payment company, the member's sponsoring member, and the financial institution.

The person who can provide the insurance payment amount to the subscriber client 1 may be performed by a financial institution and a shopping interest support server 10 site operator.

With reference to Figure 5, the method of receiving the financial mileage for the depositor, the lender, the insured subscribers who are members of the shopping interest support server 10 to apply for goods in the service product mall or agent mall,

start;

Determining the financial mileage to be paid to the seller (5) connected to the shopping interest support server (10) and selecting the product in the service product mall or agent mall with the product information to register the product (401);

Accessing the shopping interest support server 10 to the member service product mall 17 or the agent mall 18 and selecting a product to apply for the product (402);

Shopping interest support server 10 registering the product application information in the member product purchase account and the seller product sale account (403);

Checking the seller 5 merchandise sales account, selling the merchandise to the member by the input merchandise sales method, and then accessing the shopping interest support server 10 to settle the financial mile registered by the merchandise 404;

Shopping interest support server 10 Financial product interest support system through e-commerce comprising the step (405) to accumulate the financial mileage in the virtual application for the product application member.

The financial mileage 21 to be sold to the service product mall 17 or the agent mall 18 and paid by the seller 5 is set by the seller, and the shopping interest support manager client 4 according to the product. In addition, the minimum amount and the maximum amount of the financial mileage 21 may be limited according to the product amount.

Referring to FIG. 6, a method of receiving a financial mileage by a depositor, a lender, and an insurer who are members of a shopping interest support server 10 purchases a product from an external product sales site 8,

start;

Accessing the member shopping interest support server 10 to search for products on the external product sales site 8, selecting a product, and entering a product price in a purchase approval window to request purchase approval (501);

If the cyber cash owned by the shopping interest support server 10 member is smaller than the product to be purchased, an external product sales site 8 indicates that the purchase can be made. If the cyber cash owned by the member is larger than the product to be purchased, the product purchase approval is approved. Displaying 502 to a member;

Shopping interest support server (10) at the same time as the product purchase application of the member is scraped and stored, and registering the product purchase account and the shopping interest support manager client (4) external product purchase account of the member (503);

Shopping Interest Support Manager Client (4) After confirming that the member has applied for the product by accessing the shopping interest support server (10), he accesses the external product sales site (8), finds the product selected by the member, and inputs the address to enter Making a purchase, paying a product price, and then registering the product purchase fact in the shopping interest support server 10 to register in his account and a member product purchase account (504);

The member receives the goods, accesses the shopping interest support server 10, and inputs the delivery of goods in the goods purchase account (505);

Shopping interest support server (10) The member's cyber cash 20 to settle the member's cyber cash virtual account, financial mileage earned to the member financial product interest support system comprising a step (506) comprising .

In the financial product interest support system through the present inventors e-commerce, the method for earning financial mileage in the member's sales and service use is a method for earning financial mileage when the member selects and pays the product, and the member receives and delivers the product. There is a method to earn the financial mileage must be selected, the shopping interest support manager client (4) can access the shopping interest support server 10 to adjust the financial mileage earning stage.

7 is an example of a screen showing a member account of the shopping interest support server, the member's account type deposit amount, loan type loan amount insurance type, insurance account, insurance amount, the main trading financial institution, supporters, financial mileage 21 Accounts can be entered selectively, membership levels are displayed, free insurance is displayed, product purchase account, sales account, agent product transaction account, service product transaction account, cyber cash amount and financial mileage amount are displayed. The loan amount and interest rate, the sales amount secured loan and interest rate are shown, and the financial mileage payment rate is displayed when the product is purchased, and the depositor member, the borrower member, and the insured member can check the deposit maturity, the loan termination loan, and the insurance expiration period.

8 is an example of a screen that appears when a member requests to purchase a product on an external product purchase site affiliated with a shopping interest support server. The financial mileage 21 to be accumulated is shown, and the available cyber cash 20 is shown. It is possible to input a product price, a product delivery address, and an icon for scrapping and storing the screen at the same time as the product is applied, and the searched shopping mall and the product are displayed at the bottom of the screen.

In the present invention, the financial product interest support system through the e-commerce can be subscribed to a member who has not purchased a financial product, the difference between the financial product subscriber member is the difference between the financial mileage accumulation rate and free insurance is applied.

Hereinafter, an embodiment of a financial product interest support system through electronic commerce will be described through a scenario.

Scenario 1.

A depositor (A) visits a bank and receives a one-year deposit of 12,000,000 won as a deposit product. A basic interest rate of 4% is added to the shopping interest support site as a member and receives more deposit interest on financial mileage depending on the purchase of the product. If you join the shopping interest support site as a member, it is a deposit product that provides public transportation insurance with free insurance.

The depositor (A) went to the bank and received a one-year deposit of 12,000,000 won as a deposit product.

The depositor (A) returned home to the shopping interest support site at the site address in the deposit account and registered for membership.

Deposit subscribers (A) Access the shopping interest support site and deposit the deposit type, 123-456-789 in the deposit account, 12,000,000 KRW in the deposit amount, Woori Bank as the main trading institution, Nara Love Foundation as the supporter, and financial mileage 123-456-789 was entered in the real account information to receive the deposit, and the shopping interest support site checks the deposit subscriber (deposit) deposit information and grants the membership grade deposit AAA grade to deposit 3% of the basic mileage deposit. 2% of additional financial mileage will be earned and you will be able to earn 5% of the total purchase price.

At the shopping mall provided by the deposit subscriber (A) shopping interest support site, he chose apples for one night and paid 30,000 won with a credit card.

The shopping interest support site earned 1,500 won of financial mileage into the virtual account of the deposit subscriber (A).

In the above process, the deposit subscriber (A) purchased 10,000 won of goods for 1 month and earned 15,000 won of financial mileage.

The shopping interest support site deposits 15,000 won of financial mileage of the account holder (ap) virtual account, which is accumulated for 1 month, into the deposit account (123) real account 123-456-789.

One year after the expiration date of the savings, we checked the amount of money received by the depositor (A) until now, and the basic savings were 50,000 won for the savings of 12,000,000 won, and the purchase amount was 3,000,000 won for the year from the shopping interest support site. Received 150,000 won financial mileage by purchasing used cars in the agent mall.

In addition, the depositor (A) received a public transportation accident during the saving period and received insurance money of 10 million won.

The savings amounted to 12,000,000 won, interest of 50,000 won, and financial mileage interest of 200,000 won.

While the depositor (A) received the financial mileage of 300,000 won, the main bank and the sponsoring organization also received 20% of the financial mileage earned by the depositor (A), generating income of 60,000 won.

Scenario 2.

A corporate lender visits a bank and receives a one-year loan of 120,000,000 won in loans as equal loans. The loan interest was applied to 10% of the principal, and 4% decided to transfer it from the company account every month. 6% of the loans are registered as corporate members on the shopping interest support site and use loan products that pay back the loan interest with financial mileage according to the product purchase. It is a commodity.

A corporate lender visits a bank and receives a loan for a one-year maturity of 120,000,000 won as a loan, withdraws a basic interest of 4% from the corporate account every month, and 6% purchases and accumulates the product on the shopping interest support site. Commitment to pay the financial mileage.

The corporate lender returned to the company, accessed the shopping interest support site at the site address in the loan account, registered as a member, and received fire insurance.

The corporate lender accesses the shopping interest support site, and enters the loan into the company, 123-123-456-789 in the loan account, 120,000,000 won in the loan amount in one year, Kookmin Bank to the main trading financial institution, and a beautiful foundation for sponsors. , 123-123-456-789 is entered in the real account information to pay the loan to receive the financial mileage, and the shopping interest support site manager checks the loan information of the corporate lender and grants the membership grade loan BBB grade to the financial mileage. With 3% of the basic reserves, 2% of additional financial mileages earned according to the BBB membership level were granted, making it a corporate member that can earn 5% of the total purchase price.

The corporate lender selected corporate consumer goods from the corporate shopping mall provided by the shopping interest support site, and paid 300,000 won as deposit.

The shopping interest support site earned 15,000 won of financial mileage into the virtual account of the corporate lender.

Through the above process, the company lender purchased 1 million won of goods for 1 month and earned 750,000 won of financial mileage.

In the shopping interest support site, the corporate lender who accumulated for one month deposited 750,000 won of financial mileage of the virtual account into the lender's real account of 123-123-456-789.

Kookmin Bank, a lender, pays 10,000,000 won in principal and 1,000,000 won in loan interest from corporate lenders every month from 123-123-456-789.

After one year of the maturity of the loan, the financial mileage and loan interest received by the lender company lender so far have been purchased.The purchase of the product on the shopping interest support site cost 200,000,000 won, and received 10,000,000 won in financial mileage. The financial mileage received 10,000,000 won in the mall and agent mall, and the financial mileage received a total of 20,000,000 won, and the loan payment amounted to 12,000,000 won, and the corporate lenders gained 8,000,000 won.

In addition, a company fired a building during the loan period, and received insurance benefits of 10 million won.

While the corporate lender received 20,000,000 won of financial mileage, the main bank and the sponsoring group also received 20% of the financial mileage earned by the lender, resulting in income of 4,000,000 won.

Scenario 3.

The insurer (bottle) went to the insurance company to receive insurance to return the principal in 10 years as an insurance product. The insurance product must pay 100,000 won per month. It is a product that pays the principal and interest at 4% when the insurance expires. If you join the shopping interest support site as a member, it is an insurance product that pays the premium through consumption according to the purchaser's product purchase.

Insured (bottle) Insurance companies visit a reseller and pay 10 years as a insurance product, and pay a monthly insurance payment of 100,000 won, and receive 4% of the basic interest as principal. Has agreed to pay more interest.

The insurance subscriber (bottle) returned home and registered on the shopping interest support site (10) at the site address provided by the insurance company.

The insurer (bottle) accesses the shopping interest support site, the life insurance for the type of insurance, 123-123-456 for the insurance payment account, 100,000 won per month for the insurance payment amount, and 100,000 won per month for the main financial institution. 123-123-456 is entered in the account information to receive the foundation and financial mileage (21), and the shopping interest support site administrator checks the insurance (bottle) insurance information and grants the member grade insurance BBB rating to the financial mileage With 3% of the basic reserve, 2% of the additional financial mileage accrued according to the insurance BBB membership level was granted, making it an insurance member that can earn 5% of the total purchase price.

The product was selected from the shopping mall 17 provided by the insurance subscriber (bottle) shopping interest support site, and paid 40,000 won as a deposit.

The shopping interest support site earned 2,000 won of financial mileage into the virtual account of the insured (bottle).

Through the above process, the insured (bottle) for one month purchased 200,000 won of the product and earned 10,000 mileage of financial mileage.

The shopping interest support site deposited 10,000 won of financial mileage of the insured (bottle) virtual account accumulated in one month to the insured real account of the insured (bottle) 123-123-456.

Samsung Insurance, the insurer, withdraws the financial mileage of 10,000 won and the remaining balance of 90,000 won from the subscriber's real account.

10 years after the expiration of the insurance period, insurance insurance subscribers (bottles) calculated the financial mileage received so far, the purchase of goods on the shopping interest support site, the amount of 20,000,000 won to receive 1,000,000 won, financial mileage in the service mall and agent mall The financial mileage received KRW 1,000,000, and the financial mileage received a total of KRW 2,000,000, and the insureds (bottles) earned KRW 2,000,000 in net insurance payments.

When the insurance was refunded when the insurance expired, it was 12,000,000 won and interest of 500,000 won.

The insured was able to receive 12,500,000 won with 10,000,000 won under life insurance.

While the insurer received 2,000,000 won of financial mileage, Samsung Life Insurance and its sponsoring organizations also received 20% of the mileage earned by the insured (bottle) and earned 400,000 won each.

Embodiments of the invention are limited only in the claims.

The effect of the present invention is that the depositor receives more interest, the lender can give interest on the loan, the insured has the effect of discounting the premium, financial institutions can easily sell deposits, loans, insurance products In addition, it is possible to benefit from the consumption of financial product users, and financial product users can benefit from financial benefits and the convenience of purchasing all from one online site and the safety of transactions. It is covered by insurance, and product sellers can get loans at low interest rates through online sales, and it is effective to create an efficient market by integrating financial services of financial institutions, corporate distribution services, and consumer purchasing services into one. .

Claims (30)

The method of depositing a subscriber to the shopping interest support server as a member to receive deposit interest on financial mileage is start; A member registration step 101 of accessing a shopping interest support server through an depositor client Internet network; The depositor client deposit type, deposit account, deposit amount, main transaction financial institution, the sponsor, and optionally enter the deposit account information to receive the financial mileage, granting the membership level to the shopping interest support server depositor client (102); Selecting a product from a shopping mall, a service product mall, an agent mall, and an external product purchase site provided by the depositor client shopping interest support server, and then making a payment; Accumulating the financial mileage set according to the shopping interest support server product in the depositor client virtual account 104; And depositing the financial mileage of the shopping interest support server depositor client virtual account into the depositor client's deposit real account (105). According to claim 1, The depositor receives the definite interest through the shopping interest support server to guarantee a certain interest to the depositor by using a certain amount of money on the shopping interest support site. Financial product interest support system through electronic commerce with functions. According to claim 1, In order to receive deposit interest in advance, deposit interest is paid in advance to the depositor, and the interest paid in advance is set up by the financial institution client or shopping interest payment manager in the depositor's financial mileage virtual account, and the account and amount to receive the prepayment interest. If the financial mileage is entered negatively, and the depositor reaches the interest paid in advance by depositing the financial mileage from the purchase of goods and using the service online, the financial mileage earned by the depositor is financed by the financial institution client or shopping interest support site operator. If the funds are transferred to a real account or mileage account and the depositor's financial mileage remaining is left to the depositor, or paid to the real account, and the depositor has less financial mileage than the prepaid interest, the financial institution or site operator Repay prepaid interest by means of collection Financial product interest support system through e-commerce with the function that depositors cannot withdraw financial mileage until According to claim 1, When the depositor client member makes a payment through the purchase of goods and other services, the financial mileage is credited to the purchasing member, the shopping interest paying company, the member's sponsor member, and the financial mileage virtual account of each financial institution. Commodity Interest Support System. According to claim 1, The person who can pay the preliminary interest to the depositor's client is the financial product interest support system through electronic commerce with the function that the financial institution and the shopping interest support server site operator can perform. The way that the lender joins the shopping interest support server as a member and discounts the loan interest with financial mileage, start; A member registration step 201 accessing a shopping interest support server through a lender client internet network; The loaner client loan type, loan account, loan amount, the main transaction financial institution, the supporter, if the loan payment payment real account information to receive the financial mileage selectively, granting the membership grade to the shopping interest support server lender client (202); Selecting a product from a shopping mall, a service product mall, an agent mall, and an external product purchase site provided by the lender's client shopping interest support server, and then purchasing the payment step (203); Accumulating the financial mileage according to the shopping interest support server product in the lender's client virtual account step 204; And depositing the financial mileage of the shopping interest support server lender client virtual account into the lender client loan payment payment real account (205). The method of claim 6, The way that the borrower confirms the interest discount by using the shopping interest support server is to discount the interest on the borrower by using a certain amount on the shopping interest support site. Interest support system for financial products through e-commerce with functions applied when purchasing goods from the interest support server. The method of claim 6, Another way for borrowers to receive interest discounts is to pre-discount loan discount interest to the lender, and the discounted interest is set by the financial institution client or the shopping interest payment manager to set the discount discount interest on the lender's financial mileage virtual account. After entering the account and the amount, the financial mileage becomes negative, and when the borrower earns the financial mileage from the purchase of goods and the use of the service online and reaches the interest discounted to the lender, the financial mileage earned by the lender is financed by the financial institution client or shopping. Interest support site operator If you transfer to a real account or mileage account, and the lender's financial mileage balance is left to the lender or paid to the real account, and the lender has less financial mileage than the discounted interest, the financial institution or site operator Payment by way of retrieval from the lender's real account Financial instruments and support systems through e-commerce offers the ability to finance mileage without the borrower can withdraw until you repay the interest. The method of claim 6, When the lender's client member makes a payment using the purchase of goods and other services, the financial mileage is credited to the purchasing member, the shopping interest payment company, the member's sponsor member, and the financial mileage virtual account of each financial institution. Commodity Interest Support System. The method of claim 6, The interest discount system for lender clients is a financial product interest support system through e-commerce with functions that financial institutions and shopping interest support server site operators can perform. The insurance subscriber can join the shopping interest support server as a member and receive some or all insurance payments through financial mileage. start; A subscriber registration step 301 accessing a shopping interest support server through an insurance client client Internet network; The insurance subscriber client insurance type, insurance account, insurance amount, the main transaction financial institution, the sponsor, the insurance payment payment real account information to receive the financial mileage, and grants the membership level to the shopping interest support server insurance subscriber client (302) ); Selecting a product from a shopping mall, a service product mall, an agent mall, and an external product purchase site provided by the insurance subscriber client shopping interest support server, and then purchasing the payment step 303; Accumulating the financial mileage according to the shopping interest support server product in the subscriber's virtual account (304); And, (305) depositing the financial mileage of the shopping interest support server insurance client client's virtual account into the insurance payment client's insurance payment real account. The method of claim 11, Another way for the insured to receive insurance payments in advance is to prepay the insurer with the amount to support the insurance payment, and the prepaid insurance payment is prepaid by the financial institution client or the shopping interest payment manager in the insured financial mileage account. Insurance premiums paid to subscribers by setting up the amount of insurance payments to be entered, and entering the accounts and amounts to receive the insurance payments, thereby making the financial mileage negative. When the payment amount is reached, the financial mileage earned by the insured person is transferred to the financial institution client or shopping interest support site operator's real account or mileage account, and the surplus of the financial mileage of the insured person is left to the subscriber or paid to the real account. Insured insurance compared to the amount paid in advance If the financial mileage of the individual is small, the financial mileage is provided through an electronic commerce with a function that the insurer cannot withdraw until the financial institution or the site operator pays the prepaid insurance amount in a way that the financial institution or the site operator recovers from the subscriber's real account. Financial product interest support system. The method of claim 11, When an insured client member makes a payment using the purchase of a product and other services, the financial mileage is accumulated through the virtual mileage account of each purchaser, shopping interest payment company, member's sponsoring member, and financial institution. Financial product interest support system. The method of claim 11, The method of receiving insurance by the insured through the shopping interest support server is to provide a certain amount of money to the insured by using a certain amount on the shopping interest support site. Applicable when a product is purchased from a shopping interest support server within a time, and the person who can provide insurance payments to the insured client may purchase an electronic commerce with a function that a financial institution and a shopping interest support server site operator can perform. Financial product interest support system. For depositors, lenders and insurers who are members of the shopping interest support server, apply for goods at the service goods mall or agent mall and receive financial mileage, start; A step 401 of determining a financial mileage to be paid by the seller accessing the shopping interest support server and selecting the product in the service product mall or the agent mall together with the product information; Connecting to the shopping interest support server member service product mall or agent mall and selecting products to apply for products (402); Registering the product application information in the shopping interest support server member product purchase account and the seller product sale account (403); Checking the seller merchandise sales account, and after selling the merchandise to the member by the input merchandise selling method, accesses the shopping interest support server, and pays the financial mile registered by the seller; Shopping interest support server product application financial product interest support system through e-commerce comprising the step of accumulating financial mileage in the member virtual account (405). The method of claim 15, The financial mileage to be paid by the seller after selling the product to the service product mall or agent mall is set by the seller. The shopping interest support manager client can limit the minimum and maximum financial mileage according to the product and the amount of the product. Interest support system for financial products through e-commerce with the capability to The depositor, lender, and insurer who is a member of the shopping interest support server can purchase goods on the external product sales site and receive financial mileage. start; Accessing the member shopping interest support server to search for products on an external product sales site, selecting a product, and entering a product price in a purchase approval window to request purchase approval; If the cyber cash owned by the shopping interest support server member is smaller than the product to be purchased, an external product sales site indicates that the purchase can be made, and if the cyber cash the member has more than the product to be purchased, displaying the product purchase approval to the member ( 502); At the same time as the application for purchasing the product of the shopping interest support server, the corresponding screen is scraped and stored, and registered in the product purchase account and the shopping interest support manager client external product purchase account of the member (503); Shopping Interest Support Manager Client After confirming that the member applied for the product by accessing the shopping interest support server, access the external product sales site, find the product selected by the member, purchase the product by entering the shipping address, and pay the product price. Inputting the product purchase fact to the shopping interest support server and registering in his account and the member product purchase account (504); The member receives the goods, accesses the shopping interest support server, and inputs the goods delivery in the goods purchase account in exchange (505); A financial product interest support system through e-commerce, comprising the steps of a shopping interest support server member's cyber cash to reduce the member's cyber cash in the virtual account, earning the financial mileage to the member (506). According to claim 1, 6, 11, 15, 17, In the financial product interest support system through electronic commerce, the method of earning financial mileage for the member's sales and service use is how the financial mileage is accumulated when the member selects and pays the product, and the member receives the product and confirms delivery. The financial mileage must be selected, there is a method, and the interest support system through the e-commerce shopping interest support manager client has the ability to adjust the level of financial mileage by accessing the shopping interest support server. According to claim 1, 6, 11, 15, 17, The financial wind interest support system through e-commerce can join members who have not purchased financial products. The difference from the subscribers of financial products is that the difference between financial mileage accumulation rate and free insurance is applied. Financial product interest support system through e-commerce. According to claim 1, 6, 11, 15, 17, The shopping interest support server is connected to the member management program, account management program, financial mileage program, product sales support program, external site product purchase program, online sales collateral program, shopping mall server, service product mall server, and agent mall server. Module that is sent to the client and displayed on the client computer screen, and the corresponding data received from the client is processed by each program and stored.It is a payment method used by the member when purchasing and using the service. Financial product interest support system through electronic commerce with a module function to support the. The method of claim 20, The membership management program includes a subscription module for depositor lender insurance subscribers, a product seller seller approval module, and a financial institution approval module. There is a module for checking and reflecting on the membership level, and there is a module that provides insurance to the members free of charge according to the membership level. The members are classified according to the membership level, and the member's personal information is logged in by the insurance company. When the shopping interest support manager pays the insurance money, the information can be checked, and the module reflects the insurance by approving the insurance to the member consistently, and the member's transaction history can be saved and printed to purchase or sell the product. Product Purchase Account, Sales Account, Agent Product Transaction Account, Service Product Transaction Account There is a module and a consumption analysis module that displays financial mileage earned items by shopping mall for each product according to the member's purchase and service use, and when the member receives financial services from the financial institution, the financial analysis client uses consumption analysis data as credit evaluation items. There is a module that outputs to the product seller, the monthly sales to the product sellers to display the amount and interest rates available for loan, there is a module that can apply for a loan, the prospective purchase program that allows the member to know in advance the financial mileage according to the product purchase There is a financial product interest support system through electronic commerce with a module function that outputs the type of the selected product, the price of the product, and the sum of the financial mileage when the product is selected as an expected purchase program. The method of claim 20, The account management program transfers the member's account type deposit amount to the member's real account and the member's class module, which is reflected in the membership class and the financial mileage payment rate is differentiated when the insurance type insurance amount is selectively entered. The module and the member set up the main trading financial institution and the sponsor, the module where the main trading financial institution also accumulates the financial mileage when the member accumulates the financial mile using shopping and other services, and the depositor member, the lender member, and the insured member expire the deposit. Termination, Loan Expiry Loan Termination, Insurance Expiry In the event of termination of insurance, the account number or the member's unique number reflects the change in the membership class by the financial institution client or the shopping interest payment manager, deposit settlement interest payment, loan settlement interest discount, The depositor, the borrower, and the insured person pay the financial mile to pay the insurance premium. The fixed interest module provides a certain interest rate to the depositor, a certain interest rate is discounted to the lender, or a portion of the insurance payment paid to the insurer. There is no financial mileage when purchasing a product, and the financial product interest support system through electronic commerce with a service module function applied when purchasing a product within a predetermined time by converting the cyber cash by a predetermined amount. The method of claim 20, The account management program provides a way for depositor loans and insured members to receive advance deposit interest, which is to be paid in arrears in financial mileage, through loan agreements with financial institutions, to obtain loan interest discounts, and to receive insurance payments in advance. If you do not select the method, the member receives the deposit interest, loan discount, and insurance payment amount as the financial mileage earned by purchasing the product and using the service, and input the real account deposit information in the financial mileage virtual account. When financial mileage is earned by purchasing products and using services, a certain amount is reached, and according to a certain period, the financial product through the e-commerce with a module function is deposited into the real account entered by the member in the virtual mileage account of the member. Interest Support System. The method of claim 20, The financial mileage program is a module that creates virtual accounts that can earn financial mileage to depositors, lenders, insurers, sellers, financial institutions, and future members, and cyber cash virtual accounts that members use to purchase products and services. And a module that transfers the financial mileages accumulated in the virtual account to the member's financial institution's real account, and the shopping interest support manager client adjusts the financial mileage accumulation rate by membership level, shopping mall, service product mall, agent mall, There is a module that can set the financial mileage for each product on the external product purchase site, and the financial mileage payment module to be paid by the service product mall and agent mall seller, and the financial mileage accumulated by the member into the real account, Module that can convert and purchase products, and members can charge the cyber cash Financial instruments and support systems through the e-commerce module having a cache function. The method of claim 24, The financial mileage program has a module that additionally pays the financial mileage or additional when the member recharges the cyber cash when purchasing a product or using other services, and the financial mileage obtained by the member purchasing the product and service is the virtual financial mileage. A financial product interest support system through electronic commerce with a module function that accumulates in the account and increases interest by compound interest or single interest. The method of claim 24, Financial mileage program is a method for earning financial mileage when a member selects and pays for the product sales and service use. The interest support system for financial products through e-commerce with a module function that allows a shopping interest support manager client to access and set up a shopping interest support server by purchasing a module. The method of claim 24, The financial mileage program has a module that allows members to pay depositors 'prepayment, borrower's discount, and insurance subscribers' pre-insurance payments to financial mileage when they make a contract with a financial institution. Financial product interest support system through electronic commerce with a module function that earns the financial mileage to the purchasers, shopping interest payment companies, member sponsors, financial institutions virtual account of each financial mileage. The method of claim 20, The product sales support program includes a module that allows a seller to issue a bill and a receipt slip when a member requests a tax invoice cash receipt receipt slip after purchasing a product, and the seller can register and sell a product in a shopping mall. Service products that cannot be traded online (education, telephone subscription, internet subscription, cost services, etc.) and agent products (travel, real estate, automobiles, consulting, etc.) are determined by the financial mileage that the seller pays together with the product information. There is a module that registers in the service product mall or agent mall, and there is a module in which a member registers the purchase intention of the product and delivers it to the seller online. There is a module to pay the financial mileage to be paid by the seller. The shopping interest support manager client has a module that can limit the minimum and maximum amount of financial mileage according to the seller's product and the product amount, so that the seller can register the financial mileage within the minimum and maximum amount. After the product is sold, the seller pays the registered financial mileage, and the financial product interest support system through the e-commerce with the module function that the financial mileage is accumulated in the virtual accounts of the member, the shopping interest paying company, the member's sponsoring member, and the financial institution. . The method of claim 20, The external site product purchase program prints and displays the module on the member's product purchase account so that the member can search for the product on the external product sales site affiliated with the shopping interest support server and the product list to purchase the product. Enter the module, the price of the product to be purchased by the member in the purchase approval window, and if the member's cyber cash is smaller than the product to buy, the module cannot be purchased from the external product sales site, and the product if the cyber cash is more than the product to purchase There is a module that displays the approval of the purchase to the member, and a module to save the searched products at the same time as the application for purchase of the product is scrapped and stored, and the shopping interest support manager client checks the applied product to the external product sales site. Enter the shipping address entered by the member to purchase products, and pay Restrictions If you enter a product purchase fact and save the contents of the purchase, a module that prints the purchase fact to the shopping interest account manager and the member who applied for the product, and the member receives the product and the product purchase account If you confirm the delivery of goods at the member's cyber cash, the member's cyber cash will be reduced from the virtual account and the financial mileage is a financial product interest support system through electronic commerce with a module function that is earned. The method of claim 20, The online sales collateral program is a module that displays the loan amount and interest rate available on the seller's member account by averaging the average monthly sales amount sold by the product seller and the mall, service mall, and agent mall. Module for applying for services, a module for approving loans applied by a financial institution client or a shopping interest payment manager to approve loans, and depositing loans to seller accounts; cyber cash or finance earned after selling seller products Withdrawal of loans from mileage on a regular basis to allow financial institution clients or shopping interest managers to deposit loans to virtual accounts or real accounts, and set the loan amount and repayment date so that the cyber cash or financial mileage becomes negative Only withdrawal first Module, the loaned seller pays out the loan by retracting the cyber cash in the virtual account, and the seller withdraws the rest of the cyber cash, and when the cyber cash amount is less than the loan payment, the seller pays the loan with the cyber cash. Financial product interest support system through electronic commerce with module function that cannot use financial mileage and cannot withdraw.

Images