KR20100092783A - Asset accumulation system having bonds recover and debt repayment - Google Patents

Abstract

PURPOSE: An asset system with a bond collection function and a debt repayment function is provided to support loan reserve points by a loan type from reserved assets. CONSTITUTION: An access management module(110) authenticates a member according to an internet access of a customer terminal. An e-commerce module(120) provides a shopping mall for an online commercial transaction about a product. If a member using the customer terminal purchases the product in the shopping mall, an asset processing module(130) converts a sales margin of the product into an asset. The converted asset is reserved in a member account.

Description

Asset accumulation system having bonds recover and debt repayment

The present invention relates to a consumer asset system having a function of debt collection and repayment of debt, and more particularly, returns the margins associated with the sale of goods to members who are buyers of goods in the form of various consumer assets, and the member returns the accumulated consumer assets. The present invention relates to a consumer asset system having a function of collection of debt and repayment of debt, which makes it possible to receive various financial support services with economic benefits.

The normal product distribution structure sells a product by adding a margin to the cost of the product, and the seller realizes a profit through the margin.

Therefore, the selling price of the commodity has the form of the cost of the commodity plus the selling margin, and the selling of the commodity giving up the selling margin is not performed in any online or offline shopping malls at home and abroad. However, there are cases where temporary sales are carried out below the cost to attract customers, but this is not common.

On the other hand, those whose business is in trouble or whose credit rating has been degraded due to various circumstances (commonly called bad credit) are almost impossible to do in normal financial transactions because they avoid those in the financial sector. They are blocked from using their cards to make payments, and their loans are limited, making it difficult for them to return to normal society.

They also have to buy and use necessities for life, but they are mainly dependent on cash transactions because they are restricted from using online shopping malls when they are limited to card transactions or loans.

Accordingly, the applicant opens an online shopping mall to those whose credit rating has been degraded or wants to recover, and when they purchase a product as a product buyer, they feedback the margin for selling the product, as well as using the margin for the product selling. I would like to propose a system of consumer assets that can provide various financial support services with financial benefits.

In addition, the consumer-property system proposed by the applicant seeks to receive financial benefits and various financial support services by using the margin of the necessities of necessity, which are naturally necessary for life, as well as those with bad credit. Of course, the public can also participate. Through this, we would like to propose a new system in which consumption of goods leads to new production.

Accordingly, the present invention has been made to solve the above-mentioned conventional problems, the object of the present invention is to return the margin generated by the purchase of the product to the consumer who is a product buyer member, the member who earned the consumer acid Along with these economic benefits, it is to provide a consumer-industry system with debt collection and debt repayment functions that enable various financial support services.

In addition, another object of the present invention is to provide a consumer property system having a function of debt collection and repayment of debts that can be supported in the form of loans in connection with the membership grade point for the credit points earned among the consumer assets. .

In addition, another object of the present invention is to provide a consumer asset system having a function of debt collection and repayment of debt that provides opportunities for financial transactions to creditors who have difficulty in normal financial transactions as well as the general public.

In addition, another object of the present invention is to promote the activation of the consumer property system by using the product repurchase points among the accumulated consumer assets to repurchase the goods in the shopping mall provided by the system of the present invention, and stabilize the basic life of the consumer It is to provide a consumer property system with a function of debt collection and debt repayment.

In addition, another object of the present invention is to provide a consumer asset system having a function of recovering the debt and repayment of the debt to recover and repay the insolvent bonds through personal assets.

The present invention for achieving the above object, the access management module for performing a member authentication according to the Internet access of the customer terminal; An e-commerce module for providing a shopping mall for online commerce of goods; When a member (a product buyer) using the customer terminal purchases a product in a shopping mall, the consumer converts the sales margin of the purchased product into a consumer asset and accumulates it in the member account, and performs a renewal process according to a change in the consumer asset of the member. Acid treatment module; A bond and debt management module for receiving and processing the debt collection and debt repayment service of the member; And a database (DB) for storing member information and accumulated consumer asset information for each member, wherein the consumer asset includes membership grade points, loan accumulation points, product repurchase points, bond collection points, and debt repayment points. Disclosed is a consumer system system having a function of collection and repayment of debt, characterized in that it is composed of one or more selected from.

Preferably, the consumer property processing module, when receiving the payment request of the loan credit point, provides a payable amount set based on the membership grade point, the loan credit points and membership grade points as much as the paid amount Deduction process.

Preferably, the bond and debt management module, in the case of a request for collection of debt and repayment of debt between the members, process the consumer assets accumulated in the member account by automatic recovery of bonds and automatic repayment of debts, When requested to collect a bond for a non-member, the bond amount obtained as a result of the collection for the non-member is accumulated in the member account.

In addition, the membership grade points are accumulated according to the consumer activity index of the member, wherein the consumer activity index is a fixed or variable rate of margins generated by the purchase of the product, the number of online accesses, the access time, and the survey event. It is preferred to include one or more selected from participation, and handwriting.

Preferably, the consumer value processing module, by converting the sales margin of the product in accordance with a predetermined fixed ratio, regardless of the membership grade point or earned, or the sales margin of the product in conjunction with the membership grade point preset change It can also be earned in proportion to the percentage.

Preferably, the auction processing module for performing a sale on the membership grade point and the credit points of the consumer's consumer assets; may further include.

Preferably, the member who is the buyer of the product includes a general person, a corporation, an unincorporated group or a bad credit person, and the product is more preferably a necessity of life.

According to the consumer asset system having the function of debt collection and debt repayment according to the present invention as described above, the member who is the buyer of the product returns the margin generated by the purchase of the product to the consumer asset, In addition to economic benefits, it has the effect of providing various financial support services.

In addition, the present invention allows loan reserve points among the accumulated consumer assets to be supported in the form of loans in connection with the membership grade points, and the product repurchase points among the accumulated consumer assets are utilized to repurchase the products. It has the effect of promoting the activation and stabilizing the basic life of the consumer.

In addition, the present invention provides an opportunity for financial transactions not only to the general public, but also to creditors who have difficulty in normal financial transactions, and has the effect of recovering and repaying the insolvency bonds through personal assets.

In addition, the present invention induces the consumer's smart consumption culture through the provision of consumer acid, and has the effect of further activating the consumer asset system of the present application, with the change of awareness that consumption of goods is the production of new economic activities.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First of all, in adding reference numerals to the components of each drawing, it should be noted that the same reference numerals are used as much as possible even if displayed on different drawings. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

In describing the present invention, the defined terms are defined in consideration of the functions of the present invention, and they can be changed according to the intention or custom of the technician working in the field, and the definition is based on the contents throughout this specification It should be reduced.

1 is an overall conceptual diagram illustrating a consumer asset system having a debt collection and debt repayment function according to an embodiment of the present invention, Figure 2 is a consumer asset having a debt collection and debt mutual or function according to the present invention A functional block diagram for describing the system.

First, prior to describing the consumer goods system according to the present invention, terms used herein are defined as follows.

Consumer assets referred to in the present invention is commonly used in the on-line, off-line shopping malls and auction sites operated by the applicant, or on-line, off-line shopping malls and auction sites affiliated with the applicant, and managed in the management system operated by the applicant. Consumer property is created when a member of a product buyer purchases a product (all kinds of tangible and intangible goods such as life necessities, ideas, etc.) at a shopping mall and is accumulated in a member account which is a product buyer. That is, the sales margin generated when a member who is a product buyer buys and sells a product is fed back in the form of consumer assets.

In addition, the present invention is open to the public, as well as difficult to normal credit transactions difficult to use for credit, by subdividing and accumulating consumer assets into a plurality of items, it provides a variety of benefits to the buyer as a product buyer.

The consumer assets may be divided into membership class points, loan accumulation points, product repurchase points, bond collection points, and debt repayment points, and provided to members who are buyers of goods.

At this time, the membership grade point is a measure of the credit rating of a member who is a product buyer, and serves to determine the value of the payment request for the loan reserve point to be described later.

The accumulation of such membership points is basically generated according to the product purchase, and may be additionally accumulated according to the member's consumer activity index. Here, the consumer activity index may include one or more selected from the number of online accesses, the access time, the survey event participation, and the handwriting contest, as well as the margin generated by the product purchase.

In this way, the membership grade point is a form that can be accumulated additional points according to the activity index of the member, as well as the purchase of the product, provides an advantage to induce the activation of the member as a consumer.

In addition, the loan reserve point is a point earned by the consumer asset according to the margin set each time a member who is a product buyer purchases the product, in connection with the membership grade point to receive a deposit in the form of a loan. At this time, the loan credit points are paid in the form of a loan member, but there is no obligation to pay, the settlement is made by deduction of accumulated credit points accumulated, and the membership grade points are also deducted as much as the accumulated reserves. .

In addition, the product repurchase point is a consumer asset for the purpose of stabilizing the life of a member who is a product buyer, and is used only to repurchase the product in the system of the present application, thereby further promoting the activation of repurchase.

The debt collection point and the debt repayment point are used as a function of processing and registering the result of the financial support service for debt collection and debt repayment between members or non-members who are buyers of goods.

Here, the points for the collection of the bond, the points of a predetermined ratio may be accumulated when purchasing the product of the member who is the buyer of the product, and the bond amount obtained through the collection of the bond is preferably displayed separately in cash amount from the collection point. .

In addition, the debt repayment point, a point of a predetermined ratio may be accumulated when purchasing a product of a member who is a product buyer, it may be used for debt repayment between members or non-members.

Among the consumer goods as described above, membership grade points and loan accumulation points can be sold and sold according to the needs of the member who is the buyer of the product, and the product repurchase point is for the stability of the basic life of the member and cannot be bought and sold.

In other words, the loan reserve point of the consumer property is determined by the membership grade point, the value that can be paid in the form of loans to the member buyer.

For example, if the amount of the credit points is 1 million won, the membership grade points representing the member's credit rating should have a score that can pay 1 million won.

The present invention provides a dual device that determines the value of the loan using the membership grade point, and secures the loan using the loan reserve point, which is a system for returning the sales margin of an operator such as a shopping mall to a product buyer as it is. In other words, it is a policy part to make the execution of the loan more strict to protect the operator because it is a system with little or no benefit of the operator. Make loans on a standard basis.

The membership grade point may be divided into the following sections of credit rating, showing the value of the loan credit points according to the example.

1) 1000 member class points = 100,000 points credit points

2) 2000 membership class points = 200,000 won loan points

3) 3000 Membership Points = 3000,000 Won Loan Points

4) 4000 Membership Points = Loan Points of 400,000 Won

5) 5000 member class points = 5000,000 won credit points

...... etc

As described above, the value that can be paid for each section is determined, the member who is the buyer of the product can withdraw the reserves through the association of the membership grade points and their credit points points indicating their credit rating. At this time, the member may earn additional points through the auction for insufficient points.

This means that if there are many membership level points but few loan points, the buyer as a product buyer can sell the membership points to others and fill the loan points with the amount sold. In the case of a large number of points, it is possible to sell loan reserve points and withdraw the desired loan reserve points by accumulating additional membership grade points with the amount sold.

As such, a member who is a buyer of a product may increase or decrease the membership grade point and the loan accumulation point of his / her consumer product through sales as necessary.

At this time, the membership grade point of a member who is a product buyer does not function as actual cash, but it determines the withdrawal value of the loan accumulation point functioning as cash and also increases the accumulation rate of the loan accumulation point. It will be an important point.

The applicant's proposed consumer asset system focuses on ensuring that poor financial institutions and delinquents are able to lead a sound economic life, which is difficult to obtain rehabilitation in existing financial sectors. It can be used as.

In addition, in the consumer product system of the present invention, there is no restriction on the sale of goods, but the sales of the goods generated by the purchasers of the goods, which are consumed by the members who are the buyers of the goods, are purchased. Returned to

It is possible to introduce and transfer the system to the person who wants to run a business using the system, and through this distribution structure, the member, a consumer, is able to operate naturally in the process of economic activities for living. It is possible to raise consumer goods.

As shown, the consumer asset system having a debt collection and debt repayment function according to the present invention operates in conjunction with the online shopping mall 101 and the auction site 102. Here, the online shopping mall 101 and the auction site 102 may be included in the consumer mountain system 100, or may be separately provided outside the consumer mountain system 100, and are affiliated with the consumer mountain system 100. It may be another online shopping mall and another auction site.

A member who is a product buyer subscribes to the consumer goods system 100 using his customer terminal 10 and purchases the necessary goods in the online shopping mall 101 linked with the consumer goods system 100. At this time, the consumer property system 100 is to accumulate the sales margin of the goods sold to the member who is a product buyer in the member account of the product buyer in the form of consumer assets.

In addition, a member who is a buyer of a product may access the auction site 102 to buy and sell membership grade points and loan accumulation points in the consumer property at the auction site 102, whereby the member may remain in the consumer property. You can sell them to others to get the necessary consumer assets.

In addition, a member who is a product buyer may register the financial support service of debt collection and debt repayment in the consumer asset system 100 and receive financial services of debt collection and debt repayment accordingly.

As shown in FIG. 2, the consumer asset system 100 performing the function as described above includes a connection management module 110, an e-commerce module 120, a consumer asset processing module 130, a bond and debt management module. 140, a database 150, and an auction processing module 160.

The access management module 110 performs member authentication according to the internet access of the customer terminal 10 and manages member registration of new customers.

In addition, the electronic commerce module 120 operates and manages a shopping mall for online commerce for a product, and performs a basic function of registering a product and buying and selling a product, as well as a payment processing, a settlement fee processing, and It provides security programs necessary for the operation of other online shopping malls. In addition, the e-commerce module 120 includes information on the corresponding consumer assets whenever a member who is a product buyer purchases a product.

The consumer property processing module 130, when a member (product buyer) using the customer terminal 10 purchases the product in the online shopping mall 101, converts the sales margin of the purchased product into the consumer asset and accumulates it in the member account. The renewal process is performed according to the change in the consumer assets of the member.

In addition, when the consumer property processing module 130 receives a request for payment of the loan credit points among the accumulated consumer assets, the payment amount provided based on the membership grade points is provided, and the loan credit points and the members equal to the paid amount are provided. Deduct grade points.

In addition, the consumer processing module 130 converts the sales margin of the product according to a preset fixed ratio irrespective of the membership grade point or accumulates the sales margin of the product in conjunction with the membership grade point. It can also be earned in proportion to the percentage.

That is, in accumulating consumer assets, it is possible to accumulate loan reserve points, product repurchase points, bond collection points, and debt repayment points according to the change rate according to the credit grade level of the membership grade points.

This means that a fixed rate is applied in the case of a fixed rate, and in the case of a variable rate, the rate of increase is increased when the membership level points are high and the rate of accumulation is low when the rate is low. It can be earned by one criterion.

In addition, the bond and debt management module 140 performs a function of receiving and processing the debt collection and debt repayment tasks of the members. In this case, the bond and debt management module 140 processes the consumer assets accumulated in the member account as the automatic recovery of the debt and the automatic repayment of the debt when the debt collection and debt repayment request is made between the members.

In addition, when a member is requested to collect a bond for a non-member, the bond amount obtained as a result of the collection for the non-member is accumulated in the member account, and the bond amount obtained through the collection of the bond is distinguished from the bond collection point. It is preferable to display separately in cash.

That is, the points collected and the debt repayment points, the points that the member who is a product buyer earned through the purchase of the product, can be easily used when the debt collection and debt repayment between members.

Then, the database 150 performs a function of storing the member information, the consumer information accumulated for each member. That is, consumer asset information that is updated and processed, including the personal information of a member who is a purchaser of each product registered as a member in the consumer asset system 100, is classified and stored for each item.

The auction processing module 160 performs a function of performing a sale on the member grade point and the loan accumulation point among the consumer assets of the member.

Basically, since the consumer property system 100 of the present invention determines the withdrawal value of the loan accumulation point according to the member grade point of the member who is the buyer of the product, the member who wants to withdraw the accumulated loan accumulation point in cash is required for the withdrawal amount. You must have the appropriate membership level points. In this case, if the membership grade point of the member who is a product buyer is low, the withdrawal of the reserve is limited even if the credit points are fully accumulated.

The auction processing module 160 allows members to buy and sell membership grade points and credit points, thereby helping to additionally accumulate some of the accumulated consumer assets. In addition, the auction processing module 160 may proceed with the sale and sale of goods as in a normal auction site.

Register the product of the company that manufactures and sells the product, or the product that the consumer wants to sell, and allows the seller and the buyer of the product to trade in various ways as in the auction. The price of a commodity may take the form of a gradual increase starting from the lowest price, or may have a form of reverse auction. However, the auction processing module 160 allows the consumer property itself to participate in the auction.

As described above, the consumer property system of the present invention registers and manages the general public, corporation, non-corporate group, and bad credit member as a member, and the sale product mainly provides daily necessities, but not limited thereto, and may further include various products. have.

Although the present invention has been described in more detail with reference to the embodiments, the present invention is not necessarily limited to these embodiments, and various modifications can be made without departing from the spirit of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention but to describe the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the equivalent scope should be interpreted as being included in the scope of the present invention.

1 is an overall conceptual diagram for explaining a consumer property system having a debt collection and debt repayment function according to an embodiment of the present invention,

Figure 2 is a functional block diagram illustrating a consumer property system having a debt collection and debt repayment function according to the present invention.

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

100: consumer asset system 110: access management module

120: e-commerce module 130: consumer asset processing module

140: Bond and Debt Management Module 150: Database

160: auction processing module

Claims (9)

An access management module for performing member authentication according to internet access of the customer terminal; An e-commerce module for providing a shopping mall for online commerce of goods; When a member (a product buyer) using the customer terminal purchases a product in a shopping mall, the consumer converts the sales margin of the purchased product into a consumer asset and accumulates it in the member account, and performs a renewal process according to a change in the consumer asset of the member. Acid treatment module; A bond and debt management module for receiving and processing the debt collection and debt repayment service of the member; And Includes a database (DB) for storing the member information, the accumulated consumer property information for each member, The consumer product is, And a credit collection and debt repayment function comprising at least one member grade point, a loan accumulation point, a product repurchase point, a debt collection point, and a debt repayment point. The method of claim 1, The consumer asset processing module, When receiving the request for payment of the loan credit points, providing the payable amount set on the basis of the membership grade point, the collection of bonds characterized in that the loan reserve points and membership grade points by the amount of the paid amount is deducted And a consumer asset system having a debt repayment function. 3. The method of claim 2, The bond and debt management module, In the case of request for collection of debt and repayment of debt between the members, the consumer assets accumulated in the member account are processed by automatic recovery of the bond and automatic repayment of debt, If the member is requested to recover the debt for the non-member, consumer system that has a debt collection and debt repayment function, characterized in that the credit amount obtained as a result of the collection for the non-member in the member account. The method of claim 3, wherein The membership point is Earn according to the member's consumer activity index, The consumer activity index, It has a function of collecting and repaying debt, characterized in that it comprises one or more selected from the fixed or variable rate of margin generated by the product purchase, the number of online access, access time, survey event participation, handwriting contest Consumer system system. The method of claim 4, wherein The consumer asset processing module, Consumer goods system having a debt collection and debt repayment function, characterized in that the earning margin of the product is converted in accordance with a predetermined fixed ratio irrespective of the membership grade point. The method of claim 4, wherein The consumer asset processing module, Consumer goods system with a bond collection and debt repayment function, characterized in that the selling margin of the product in connection with the membership grade point in accordance with a predetermined change rate to earn. The method according to any one of claims 1 to 6, The auction processing module for performing a sale for the membership grade point and the loan credit points of the consumer assets of the member; consumer property system having a debt collection and debt repayment function further comprising. The method of claim 7, wherein The member who is the product buyer, Consumer property system having a function of debt collection and debt repayment, characterized in that the general public, corporation, non-corporate organization or bad credit. The method of claim 8, The product, Consumer goods system having a debt collection and debt repayment function, characterized in that the necessities of life.

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