KR20090049843A

KR20090049843A - Method of registering goods and/or services to be accumulated, accumulating and providing an accumulated money using financial account

Info

Publication number: KR20090049843A
Application number: KR1020070116163A
Authority: KR
Inventors: 이순민; 이재희
Original assignee: 이순민; 이재희
Priority date: 2007-11-14
Filing date: 2007-11-14
Publication date: 2009-05-19

Abstract

The present invention relates to a credit accumulation method, a product and / or service registration method, and a payment method for earning and paying the reserves to the buyer using the earning account opened in a financial institution. The method of earning a reserve using a financial account according to the present invention comprises the steps of: receiving buyer information and payment information from a buyer terminal; Calculating the accumulated amount using the payment information; Identifying a buyer with the buyer information to determine whether to hold an account for the buyer; Opening a savings account for the buyer in a financial institution if the savings account does not exist; And remitting the reserve amount through the financial institution to an account for the purchaser.

Description

Method of registering goods and / or services to be accumulated, accumulating and providing an accumulated money using financial account}

The present invention provides a method of registering a product and / or service to be accumulated, a method of earning a reserve, and a reserve in order to earn a portion of a profit from a sale of a product and / or service subscription, etc. to a consumer as a reserve. It is about how to pay.

As a marketing technique, a method of returning a part of a purchase price of a product or a service use amount to a buyer by means of points or the like is widely used. The purchaser can purchase a product using a point or the like or get it back as a gift certificate. By returning some of the seller's profits to the buyer, the buyer receives a substantial discount, which increases the sales volume of the product, thereby increasing the seller's profit.

The system for this marketing technique stores points for each buyer to earn points to the buyer. The present invention proposes a different method from the conventional system which stores only the point information for each buyer.

The problem to be solved by the present invention is to accumulate and pay the reserves directly to the financial account for the buyer, can be stored for a longer period of time, and earning method and payment method for returning more benefits to the buyer using the financial account To provide.

Another problem to be solved by the present invention is that the payment to the buyer can be made only after a certain period of time or only when certain conditions are met, so that when the buyer needs a lot of money, for example, a child enters college. It is to provide a method of accumulating reserves and payment methods to return them to the buyer at the time of marriage or when the child is married.

Another problem to be solved by the present invention is to change the order of the display of goods on the online shopping mall according to the accumulation conditions of the reserves to be paid using the financial account, to promote to provide more reserves to the seller, more benefits to the buyer It is to provide a method for registering the eligible products and / or services in the earning process using a financial account to provide a and increase the marketing effect.

In accordance with an embodiment of the present invention, a method for accumulating a reserve using a financial account may include receiving buyer information and payment information from a purchaser terminal, calculating a reserve amount using the payment information, and identifying the buyer with the buyer information. Determining whether the account has a credit account, if the credit account does not exist, opening a credit account for the buyer in a financial institution, and depositing the credit amount through the financial institution in the credit account for the buyer. Remittance.

Here, the earning account may be an account opened in a financial institution in the name of the buyer and having a predetermined withdrawal condition.

The method for registering goods and / or services in the earning process using the financial account according to the present invention comprises the steps of: registering goods and / or service information and earning conditions received from a seller terminal; Or calculating a ranking of the service and other goods and / or services registered in advance, and displaying the goods on the online shopping mall according to the ranking, wherein the accumulated amount purchases the goods and / or services. It is characterized in that the user is deposited into an account opened in a financial institution.

In the payment method using the financial account according to the present invention, receiving the buyer information and payment request information from the buyer terminal, by identifying the buyer with the buyer information, inquiring the account for the buyer from the stored account information previously stored Determining whether the pre-specified payment condition of the saving account is satisfied; if the payment condition is satisfied, the saving account for the buyer is determined according to the payment request information. Providing payment authorization information to an established financial institution.

The present invention by opening a financial account for each buyer to earn the reserves, there is an effect that can be stored in the buyer's reserves for a longer period of time, the buyer pays them when necessary.

In addition, the present invention by paying the reserves in cash to the financial account, pays more reserves through the compound interest or investment profits to the buyer, thereby promoting sales more effectively.

In addition, the present invention has an effect of promoting the sale by providing a different amount of reserves to the seller, by providing more benefits to the user by varying the product display according to the accumulation conditions of the reserves paid through the financial account.

Hereinafter, with reference to the accompanying drawings will be described the technical spirit and embodiments of the present invention. Like reference numerals in the drawings denote like elements.

The present invention is an earning method and payment method for paying to another account of the buyer at a point when a certain payment condition is satisfied by saving the reserve for the buyer in a financial account. Unlike conventional methods of storing point payment information for each buyer, the present invention pays out reserves in cash, stocks, bonds, etc., having real value in a financial account. The financial account may be in any form as long as it can be opened by a financial institution such as a deposit account, a securities account, a bond account, or a fund account.

1 is a view illustrating a method for registering products and / or services to be earned using a financial account according to the present invention and a method for accumulating reserves. Here, the solid line represents the method of accumulating reserves and the dashed line represents the method of registering goods and / or services.

First, we look at how to register products and / or services. The seller registers as a seller by accessing the host server of the system operator who manages the deposit accumulation process (a). The seller may register and sell his products and / or services to the host server. To this end, the seller registers the goods and / or services to be sold and the earning conditions for each goods and / or services to the host server 800 (b). The goods and / or services registered by the seller and the earning conditions for each of them are stored in the database 804 provided in the host server 800. The host server 800 displays the goods and / or services registered in the host server 800 according to the accumulation condition (c). This may be a display on an online shopping mall. When the goods and / or services are displayed, the host server 800 notifies the registered seller of the display results.

Next, we will look at how to accumulate reserves. The purchaser connects to the host server to view the displayed goods and / or services and purchases them (1). At the time of purchase, the buyer transmits the buyer information and payment information indicating the selected goods and / or services to the host server 800 through the purchaser terminal 810, and the host server 800 receives the information. If there is a savings account opened in a financial institution for the buyer, the host server 800 calculates and transfers the savings amount to the corresponding account (3). If the buyer does not have a savings account, the host server 800 performs the procedure of opening the account directly by the buyer by providing a procedure for opening a savings account for the buyer to the financial institution at the host server 800. After opening a savings account for the buyer, transfer the reserves to the savings account (2, 3).

There are a variety of ways for the host server 800 to open an earning account for the buyer. In one embodiment, when the host server 800 sends the predetermined information necessary for acting to open the buyer's earning account in accordance with the agreement with the affiliated financial institution through the network to the financial institution, the bank is the buyer's earning account. After opening, and sends the opened account information to the host server 800 again. The accumulated account information is stored in the account manager 808 of the host server 800.

However, the scope of protection of the present invention is not limited only to the above embodiment, and the host server 800 directly or indirectly sends predetermined information about the buyer to the financial institution, and establishes an offline or online earning account for the buyer at the financial institution. All will be said to belong to the protection scope of the present invention.

2 is a flow chart illustrating a method of registering goods and / or services in the earning process using the financial account according to the present invention.

When the seller accesses the host server 800 through the seller terminal 830, if the seller is not registered with the host server 800, the seller registration process is performed (S202, S204).

The host server 800 receives the seller information from the seller terminal 830 (S206). The seller terminal 830 is capable of input and output, such as a personal computer, PDA, or a mobile phone capable of wireless Internet, any type of device that can communicate through a network.

The seller selects a product category through the seller terminal 830 in order to register the goods and / or services, and registers the goods and / or services and earning conditions for them in the host server 800 (S208 and S210). The product category refers to a classification criterion representing a kind of goods and / or services such as home appliances, clothing, furniture, foodstuffs, insurance, and the like. Earning terms are the basis for calculating the reserve for each product and / or service. This may be one or a combination of a percentage of the purchase amount of the goods and / or services, which is accumulated as an amount of money, a percentage of the sale revenue of the goods and / or services, and a amount of money. For example, it may be a percentage of the purchase amount, such as a purchase amount of 3%. The host server 800 receives this information from the seller and stores it in a predetermined database 804.

The host server 800 compares the registered goods and / or services with the goods and / or services stored in the database 804 in advance (S212). In this case, the criteria for ranking is one or a combination of the ratio of the amount of the purchase of the goods and / or services, the ratio of the amount of the sales revenue of the goods and / or services, and the amount of the accumulation. Can be. For example, ranks may be ranked in ascending order of reserves.

The host server 800 displays the goods and / or services according to the evaluated ranking (S214). For example, when displaying a product and / or service in an online shopping mall, a display may be displayed from the top to the bottom, or a symbol recommending a purchase may be attached.

The host server 800 displays the goods and / or services and notifies the seller (S216). Alternatively, this step S216 may be performed after the ranking evaluation S212 but before the commodity display S214.

3 is a flow chart illustrating a method for earning a reserve using a financial account according to the present invention.

The host server 800 performing the reserve credit method according to the present invention receives the buyer information and payment information input by the buyer through the buyer terminal 810 through the network (S302).

Payment information represents at least the goods and / or services purchased by the buyer and the payment amount.

Buyer information represents information that can identify a buyer entered by the buyer. The buyer information may be in any form as long as it can identify the buyer, such as an ID, a buyer's social security number, a buyer's telephone number, and a buyer's address.

In an embodiment of the present invention, in the case of an internet shopping mall, the purchaser information is preferably a buyer ID, and in this case, the purchaser is required to register in order to use the method of earning a reserve according to the present invention in the internet shopping mall. The present invention may further include a step for allowing the buyer to register if the buyer is not registered for this purpose.

The purchaser terminal 810 receives the purchaser information and payment information from the buyer, such as a personal computer, a PDA, a mobile phone with a wireless Internet, a point-of-sale terminal, or an unmanned store connected to a network and receiving a buyer input. Any type of device capable of receiving input and transmitting it over a network is possible. Preferably, the purchaser terminal transmits a display device capable of displaying goods or services on sale, an input device capable of receiving buyer input (for example, a keyboard, a mouse, or a touch screen), and purchaser information and payment information. And a network device capable of receiving information from a server.

The network for transmitting the buyer information and payment information may be in any form as long as it can transmit information such as a wired / wireless telephone network or the Internet.

When the purchaser information and the payment information are received, the host server 800 determines whether the payment information corresponds to an accumulation target (S304). The payment information includes purchased goods and / or services, and the host server 800 determines whether the purchased goods and / or services are to be accumulated. Goods and / or services to be accumulated may be stored in the database 804 provided in the host server 800. The received payment information is compared with the goods and / or services to be stored in the database 804 to determine whether or not to accumulate.

The present invention is capable of various target products and / or services. For example, a portion of sales revenue for all products sold in an internet shopping mall may be credited to the consumer. In addition, some of the commissions paid to insurance companies or insurance companies may be accumulated. Furthermore, a common example of common selling behavior is that marketing costs exist when there are first and second companies in the same industry, and the second company spends a large portion of its revenue on marketing to pursue the first. Some of these can be credited to consumers to promote sales and provide more benefits to consumers. In addition to those listed here, various types of goods and services may be eligible for earning.

The host server 800 terminates the earning process if the purchased goods and / or services appearing in the received payment information are not eligible for earning. Alternatively, the host server 800 may transmit a message to the purchaser terminal 810 that the purchased goods and / or services are not eligible for accumulation and terminate the accumulation process.

When the purchased goods and / or services are to be accumulated, the host server 800 calculates the accumulated amount using the purchased goods and / or services included in the payment information and the settlement amount (S306). The reserve amount may be set differently for the settlement amount according to the purchased goods and / or services. Alternatively, the accumulation rate may vary depending on the seller, the buyer's purchase performance, the purchase time, or whether the event is in progress.

The host server 800 checks whether or not there is a saving account for the earning process according to the present invention established in a financial institution for the buyer after calculating the accumulated amount (S308). If there is no earning account for the buyer, open a saving account for the buyer within the earning process (S310).

The present invention pays the reserves in the form of cash, stocks, bonds, etc., to a savings account opened in a financial institution, unlike the method in which only point information is stored for each buyer used in the related art. In such cases, the reserves can be stored for a long time as long as the account remains in effect. In addition, it is possible to maximize the buyer's profit by returning to the buyer the additional interest of interest on cash, quote gain or dividend on stock management, interest on interest or quote on bond. This also maximizes marketing effectiveness.

The savings account according to the invention is preferably an savings account with certain payment terms. For example, if you continue to accumulate the purchase of goods and / or services for your child's upbringing, you may want to make sure that your child pays the amount when she or she goes to college in order to pay her for college. Can be. Similarly, in order for a child to get paid for their marriage, they may have to pay for their child when they get married. In such cases, payments may be denied if you apply for payment before your child reaches college or before your child is married. In addition, even if the account is opened in the buyer's name, payment may have payment terms only possible by the company managing the earning process. The reserve payment process will be described later.

The present invention supports the purchaser to open an account at the financial institution within the earning process without directly visiting the financial institution (S310). Storing reserves in a savings account opened at a financial institution will reduce the convenience of this earning process if the buyer has to visit the financial institution directly. Therefore, the present invention allows the buyer to use the earning process without directly visiting the financial institution, thereby increasing the convenience of the buyer.

If there is a savings account to the buyer, or if a savings account is opened, the host server 800 transfers the accumulated amount to the savings account of the buyer (S312). In this case, the host server 800 accesses the financial institution server 820 and transfers the accumulated amount to the saving account for the buyer.

In this case, the transfer may be transferred from the host account held by the host server 800 to the saving account for the buyer. When the amount of remittance transfers from the host account to the account for the buyer, various embodiments are possible. First, the purchase amount of the buyer is deposited into the host account, and the host server 800 transfers the amount corresponding to the accumulated amount from the host account to the saving account for the buyer, and the amount to be paid to the seller. Can be sent to the seller's account. Secondly, the purchase amount may be transferred from the buyer to the seller's account, and the accumulated amount may be transferred from the host account to the accumulation account. In this case, the host server 800 requests the seller to transfer the accumulated amount to the host account. In this case, the host account remitting to the buyer's saving account and the host account remitting the accumulated amount from the seller are not necessarily the same account.

In another embodiment, the transfer may be from the seller's account, not the host account, to the savings account for the buyer. If the seller transfers the accumulated amount to the buyer's account, the step of requesting the seller to transfer the accumulated amount to the host account is not required.

4 is a view for explaining a method for payment of reserves using the financial account according to the present invention. The purchaser accesses the host server 800 and requests now the reserves accumulated in the earning account (1). The host server 800 receives the deposit payment request information from the purchaser terminal 820 to determine whether the earning conditions are satisfied, and when the earning conditions are satisfied, the host server 800 approves the payment of the reserve through a financial institution to provide a predetermined amount to the buyer's account. Send the money (2, 3).

5 is a flowchart illustrating a method of paying a deposit using a financial account according to the present invention.

The host server 800 receives the buyer information and the payment request information from the buyer terminal 810 (S602). Buyer information is as described in How to Earn Reserves. The payment request information includes information indicating at least a payment amount and payment conditions.

When the host server 800 receives the information, the host server 800 identifies the buyer using the buyer information to determine whether a saving account for the buyer exists (S604). The reserve payment process is terminated if no reserve account exists for the buyer.

If there is a buyer's account, the host server 800 determines whether the payment condition is satisfied using information indicating whether the payment condition is included in the payment request information (S606). The payment condition may be a payment timing or occurrence of a payment event.

If the payment conditions are not met, the host server 800 transmits a message to the buyer terminal that the payment conditions are not satisfied and ends the deposit payment process (S610).

When the payment condition is satisfied, the host server 800 provides payment approval information to a financial institution in which an account for the purchaser is opened (S608). When the payment approval information is provided, the financial institution remits a predetermined amount accumulated in the saving account from the saving account to the account designated by the buyer at the request of the host server 800. In another embodiment, when the payment approval information is provided, the buyer may directly withdraw a predetermined amount from the financial institution.

The amount to be paid may be various embodiments. For example, reserves may be paid out to the amount requested by the buyer. As another example, some or all of the reserves may be paid by the amount set by the company managing the earning process.

6 is a flowchart illustrating a method of canceling reserve accumulation according to the present invention.

In the event of the cancellation of the eligible purchase, the reserve must be canceled. The host server 800 receives the buyer information and the purchase cancellation information (S702). The purchase cancellation information includes at least the subject purchase, the purchased goods and / or services, and / or the payment amount.

The host server 800 receives the purchaser information and the purchase cancellation information, and calculates a reserve amount to be canceled (S704). In this case, the host server 800 may use information stored in the host server 800 at the time of purchase and / or accumulation of the purchaser.

When the cancellation target reserve amount is calculated, the host server 800 withdraws the cancellation target reserve amount from the account for the buyer (S706).

7 is a structural diagram of an exemplary system for implementing a method for earning a deposit, a payment method, and a method for canceling a deposit using a savings account opened in a financial institution according to the present invention.

In order to perform the earning process according to the present invention, a host server 800 including a transceiver 802, a database 804, an identification and calculator 806, and an account manager 808 is required. The host server 800 also communicates with the purchaser terminal 810, the financial institution server 820, and the seller terminal 830.

The transceiver 802 exchanges information with a purchaser terminal 810, a financial institution server 820, and a seller terminal 830 on a network. It receives buyer information, purchase information, seller information, payment request information, and / or purchase cancellation information from the buyer terminal 810. It can also send and receive information related to process progress. In addition, the seller terminal 83 may receive seller information, product and / or service registration information, and / or earning conditions, and transmit and receive information related to process progress.

The database 804 stores buyer information, seller information, sales goods and / or service information, criteria for calculating reserves, account information for each buyer, payment terms, purchase history and accumulation history for each buyer, and the like. . The database 804 may be in any form as long as it is a storage medium capable of storing information. Preferably, a nonvolatile memory is used.

The identification and calculation unit 806 identifies the buyer and / or the seller with the buyer information and / or seller information. The buyer information and / or seller information received from the purchaser terminal 810 may be compared with the buyer information and / or seller information stored in the database 804 to identify the buyer and / or the seller. In addition, the identification and calculation unit 806 may identify the purchased goods and / or services from the purchase information. The identification and calculation unit 806 may calculate the accumulated amount using the received payment information and the accumulation conditions for the goods and / or services stored in the database 804. The identification and calculation unit 806 may be composed of software consisting of a sequence of instructions representing such an operation, or hardware performing such an operation.

The account manager 808 accesses the financial institution server 820 to perform a money transfer, withdrawal, account opening, and authentication operations. The account manager 808 requires an authentication device or software indicating the authority to perform such an operation in a financial institution.

As described above, optimal embodiments have been disclosed in the drawings and the specification. Although specific terms have been used herein, they are used only for the purpose of describing the present invention and are not intended to limit the scope of the invention as defined in the claims or the claims. Therefore, those skilled in the art will understand that various modifications and equivalent other embodiments are possible from this. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

1 is a diagram illustrating a method for registering goods and / or services and a method for accumulating funds using a financial account according to the present invention.

4 is a view illustrating a method for payment of reserves using a financial account according to the present invention.

Claims

Receiving buyer information and payment information from a buyer terminal;

Calculating the accumulated amount using the payment information;

Identifying a buyer with the buyer information to determine whether to hold an account for the buyer;

Opening a savings account for the buyer in a financial institution if the savings account does not exist; And

Rewards accumulation method using a financial account comprising the step of remitting the reserve amount through the financial institution to the account for the buyer.

The method of claim 1, wherein the saving account is an account opened in a financial institution in the name of the buyer and has a predetermined withdrawal condition.

The method according to any one of claims 1 to 2,

Determining whether the payment information is to be accumulated; And

If the payment information is not eligible for earning, the method of earning a reserve using a financial account, characterized in that it further comprises the step of terminating.

The method of claim 1, wherein the step of remitting comprises remitting the reserve amount from the host account held by the subject operating the earning process according to the reserve method using the financial account to the reserve account for the buyer. How to Earn Credits Using a Financial Account.

The method of claim 1, wherein the remitting comprises: remitting the accumulated amount to a saving account for the buyer from a seller account held by a seller who enters a shopping mall that operates a saving process using a savings credit method using the financial account. Reward accumulation method using a financial account, characterized in that.

Registering goods and / or service information and earning conditions received from the seller terminal;

Calculating a ranking of the goods and / or services and other goods and / or services registered in advance according to the accumulation condition; And

Displaying the goods on an online shopping mall according to the ranking;

The accumulated amount is deposited to an account opened in a financial institution for the user who purchased the goods and / or services method for registering the eligible products and / or services in the earning process using a financial account.

The method of claim 6, wherein the earning condition is at least one of a ratio of the amount of the purchase of the goods and / or services, the ratio of the amount of the sale of the goods and / or services, and the amount of accumulation. Or a combination of these products and / or services to be credited in the earning process using a financial account.

The method of claim 6, further comprising: receiving the seller information from the seller terminal and registering the seller when the seller is not registered in the online shopping mall. 6. How to Register Target Products and / or Services.

Receiving buyer information and payment request information from a buyer terminal;

Identifying a buyer with the buyer information, and retrieving an account for the buyer from previously stored account information;

If there is a savings account for the buyer, determining whether the savings account meets a predetermined payment condition;

If the payment conditions are satisfied, the payment method of the reserve using the financial account comprising the step of providing payment approval information to the financial institution in which the saving account for the buyer is opened according to the payment request information.

The method of claim 9, wherein the saving account for the buyer is an account opened in a financial institution in the name of the buyer and has a predetermined payment condition.

10. The method of claim 9, wherein the payment condition is at least one of a payable period, a payable amount, a payable buyer, and a payable event occurrence or a combination thereof.

10. The method of claim 9, further comprising the step of remitting the predetermined amount of money through a financial institution to the account designated by the buyer according to the payment approval information.