KR20150068210A - Method for providing financial product which gives travel mileage - Google Patents

Abstract

The present invention relates to a method for providing a financial product associated with travel package which is supplied from a server of a bank connected to a customer and a travel agency. The method for providing the financial product comprises: a product information receiving step of receiving information of the travel mileage from the travel agency, and storing the same in a travel information storage unit in the server; a financial information supply step of storing information for the financial product connected to the financial product to supply mileage, in a financial information storage unit in the server, and supplying the information for the financial product to the customer; a financial product joining step of storing information of the customer and information of the financial product which the customer joined, in a customer information storage unit in the server, when an application for admission for the financial product is received from the customer; a commission charging step of confirming by the server whether a travel product notified to be purchased is a travel product to which mileage is applied, on the basis of the financial product information of the customer, stored in the customer information storage unit in the server, and, if it is confirmed that the travel product is the travel product to which the mileage is applied, charging a commission at a previously fixed ratio in the purchase cost of the travel product, to the travel agency, when the customer purchases the travel product from the travel agency, and the travel agency notifies the server of the contents of the purchase of the travel product; and a mileage supply step of receiving the commission from the travel agency, and supplying the mileage to the financial product of the customer, stored in the customer information storage unit. Therefore, a synergy effect for each product promotion of the bank and the travel agency is increased, and satisfaction of the customer purchasing the product is increased.

Description

[0001] METHOD FOR PROVIDING FINANCIAL PRODUCT WHICH GIVES TRAVEL MILEAGE [0002]

The present invention relates to a method of providing a financial product linked with a travel product. More particularly, the present invention relates to a method of providing a financial product that returns a certain percentage of travel product cost to a customer.

At present, the central bank of each country uses the method of lowering the base rate, as the method of stimulating the economy due to the global economic recession, and as the deposit interest of the bank is lowered according to the low interest rate like this, As the satisfaction level decreased, there was a tendency to avoid deposits in banks.

On the other hand, a travel agency that sells travel products to customers consumes a lot of money while attracting customers and marketing various goods to advertise travel products. However, even when selling travel products due to the increase in marketing expenses, Respectively.

Accordingly, there is a need for a method of easily promoting travel products and increasing the sales revenue of travel products while increasing the satisfaction of the customer by joining financial products.

Korean Patent No. 10-1106783 (published on May 12, 2011) Korean Patent No. 10-1189529 (published on May 09, 2012)

SUMMARY OF THE INVENTION It is an object of the present invention to provide a method of providing a financial product in connection with a travel product.

Another object of the present invention is to provide a method of providing a financial product that can help a bank and a travel agency to sell and promote their respective products linked to each other.

Another object of the present invention is to provide differentiated mileage to customers who purchase travel goods according to various financial products.

A method of providing a financial product provided by a server of a bank connected to a customer and a travel agent, the method comprising the steps of: receiving information on a travel product from the travel agent, A financial information providing step of storing information on a financial product to which the mileage is paid in association with the travel product in a financial information storage unit of the server and providing information on the financial product to the customer, A financial product registration step of storing the information of the customer and the information of the financial instrument to which the customer subscribes in a customer information storage unit of the server when receiving the registration application for the financial product from the customer, The travel agent purchases the travel goods and informs the server about the purchase of the travel goods The server confirms whether the travel product informed of the purchase is a travel product to which the mileage is applied based on the financial product information of the customer stored in the customer information storage section, And a mileage payment step of receiving the fee from the travel agent and paying the mileage to the financial product of the customer stored in the customer information storage unit, wherein the mileage payment step includes charging a fee to the travel agent at a predetermined rate in the purchase cost of the goods .

The method may further include providing customer information stored in the customer information storage unit and information on a financial instrument to which the customer subscribes to the travel agent after the step of registering the financial product.

In addition, the mileage to be paid to the customer's financial product in the mileage payment step may include interest accumulation, loan interest discount, or product purchase cost discount.

In addition, the financial product of the customer is a deposit, and the interest accumulated in the mileage is paid to the customer after expiry of the deposit.

In addition, it is characterized in that the longer the term of expiration of the accumulation is and the more the accumulated amount is, the greater the mileage is paid to the customer.

As described above, according to the present invention, a financial product linked to a travel agent of a travel agency is developed and provided to a customer, thereby synergizing the promotion and sale of the goods of the travel agency and the bank.

Also, by providing various financial benefits to the customer who purchases the travel product linked with the financial product according to the purchase cost of the travel product, the user can increase the satisfaction of the customer and induce the user to purchase more travel goods and use the financial product.

1 is a flowchart of a method of providing a financial product in connection with a travel product according to an embodiment of the present invention.
2 is a block diagram of a bank server associated with a customer and a travel agency.
FIG. 3 is a flowchart of a method of providing a financial product associated with a travel product according to another embodiment of the present invention.
4 is a relationship diagram of a bank, a travel agency, and a customer according to the method of the present invention.

The method and system according to the present invention will be described in detail with reference to FIGS. 1 to 4. FIG.

First, FIG. 1 shows a flowchart of a method according to an embodiment of the present invention.

As shown in FIG. 1, a method of providing a financial product provided by a server of a bank connected to a customer and a travel agent according to an embodiment of the present invention includes a product information receiving step (S110), a financial information providing step (S120) A subscription step (S130), a fee charging step (S140), and a mileage payment step (S150).

The product information receiving step (S110) is a step of receiving information of the travel goods from the travel agent and storing the received information in the travel agent information storage unit in the server.

The configuration of the server associated with the customer and the travel agency will be described in more detail with reference to FIG. First, when the travel agent 100 develops a travel product to be linked with a financial product of a bank and transmits information on the travel product to the bank, the bank receives the travel product information from the travel agent through the communication unit 220, 210 in the travel agent information storage unit 211.

At this time, the communication unit 220 may use the Internet or an extranet for communication with a travel agent, and may be replaced with another communication means capable of transmitting travel goods information.

The financial information providing step (S120) is a step of storing information on a financial product to which the mileage is paid in connection with the travel product, in a financial information storage unit in the server, and providing information on the financial product to the customer.

First, the bank server 210 may develop a financial product in consideration of the following matters in developing a financial product associated with a travel agent of a travel agent stored in the travel agent information storage 211. [

In general, the types of financial products that banks provide to customers include ordinary deposits, savings, and loans. Mileage benefits provided to customers when they purchase the travel products associated with the financial products are different depending on financial products. The setting is required.

More specifically, when a customer purchases a travel product associated with the savings in the case of a savings in the financial product, the customer provides a mileage benefit in which a predetermined percentage of the purchase cost of the travel product is paid in cash back to the customer's savings .

For example, in the case of 1-year maturity deposits, which typically deposit 100,000 won per month of the savings provided by commercial banks, the interest that the customer receives after 1 year when the interest of 2,7% per annum is applied is 32,400 won And customer satisfaction with interest income was not large.

However, in the case of the discount applied to the mileage payment standard when purchasing the travel goods according to the present invention, when the customer purchases the travel goods of 5,000,000 won, the mileage benefit of paying 100% And the total amount of the above-mentioned savings interest is added to the total amount of 132,400 won to the customer, thereby enhancing the customer's satisfaction with the financial product.

In addition, in the case of the above-mentioned reduction, the amount of the mileage payment can be received after the expiry of the expiration date, thereby making it possible to reduce the probability of the customer canceling the payment in the middle There is also an effect.

In addition, the mileage to be paid to the customer can be made larger as the amount of money to be earned is long and the expiration date of the deposit is long. The customer can put more money into the bank and earn more mileage when the purchase price of the travel product is higher, so that the customer can be guided to receive a lot of mileage, and thus the profit of the bank and the travel agency becomes larger .

If the financial product is a loan, the benefit that can be paid to the customer is a loan interest reduction benefit. In particular, when using the above-mentioned loanable financial products with funds for travel purposes, it is possible to provide the customer with the reduction benefit of the interest of the loan, thereby attracting the interest of the customer who wants to receive the loan for travel purpose, The effect of purchasing the product can be obtained.

Also, mileage provided each time a customer purchases a travel product can be provided without limitation to the number of times a travel product is purchased, thereby inducing the customer to purchase more travel products.

In addition, the customer who subscribes to the above financial products may provide exemption or discount service of the exchange currency of the currency to be exchanged for the purpose of traveling according to the purchase of the travel goods, and may provide the passport, visa, ticket issuance service, By providing preferential products, it is possible to induce customers who wish to subscribe to financial products and provide services that satisfy customers who have subscribed to financial products.

At this time, the cost required to provide the mileage may be provided to the bank by the travel agent who sold the travel goods to the customer as a fee for a certain amount of the sale price of the travel goods, and the fee payment standard is 2 % Can be set. It is preferable that the above-mentioned fee amount is adjusted in consultation with the travel agency depending on the purchase cost of the travel goods, the number of trips, and the type of the financial product.

The financial product developed as described above is stored in the financial information storage unit 212 in the server and is provided to the customer through the communication unit 220 to induce the customer to join the financial product.

Accordingly, the communication unit 220 may include an SMS transmission device or an Internet homepage that can provide information on a financial product to a customer, and may be replaced with another device capable of transmitting travel product information.

The financial product subscribing step (S130) receives the subscription request for the financial product from the customer through the communication unit 220, and transmits the customer information and the information of the financial product subscribed by the customer to the customer information storage unit 213 ).

If the customer who has confirmed the information on the financial product provided by the bank through the communication unit in the financial information providing step S120 (step S120) The bank receives the customer information and the information of the financial product selected by the customer and stores the information in the customer information storage unit 213 in the server 210.

In particular, in the case of the financial product information selected by the customer from the information stored in the customer information storage unit 213, the financial product information of the bank stored in the financial information storage unit 212 and the travel agent information storage unit 211, To be linked to the travel goods information.

Therefore, even if the travel goods of the travel agency are changed due to unavoidable circumstances, or the mileage benefit to be paid to the customer is to be changed, the travel agent information storage unit 211 and / The information stored in the financial information storage unit 212 may be modified so that the information of the customer information storage unit 213 linking the information is also changed.

The fee charging step (S140) is a step of charging the travel agency for mileage to be paid to the customer's financial product when the customer purchases the travel product.

More specifically, when the customer 300 purchases a travel product from the travel agent 100, the travel agent notifies the bank of the information of the customer and the information of the travel product purchased by the customer through the communication unit 220 .

Based on the notification contents, the fee calculation unit 214 in the server 210 calculates the mileage to be paid to the customer and the fee charged to the travel agent.

More specifically, the commission calculation unit 214 searches the customer information storage unit 213 to confirm whether the customer notified of purchase of the travel product is a customer who subscribes to the financial product of the bank.

When the customer who has been notified by the travel agency according to the search is identified as a customer who is subscribed to the financial product, the travel information of the financial product stored in the financial information storage unit (212).

If it is determined that the customer has purchased the merchandise to which the mileage is applied according to the search, the fee calculation section 214 calculates the fee to be paid from the travel agency according to the fee billing criteria stored in the financial information storage section 212, And uses the communication unit 220 to charge the travel agent 100 with the calculated fee.

In the mileage payment step (S150), when the customer purchases the travel product, the mileage is paid to the financial product to which the customer subscribes.

When the commission calculation unit 214 requests the travel agent for the commission in accordance with the commission charging step (S140), the travel agency confirms the charged commission and pays the charged amount to the bank.

The mileage payment unit 215 in the server 210 confirms the fee paid by the travel agent and provides the mileage benefit to the customer's financial product according to the mileage payment standard stored in the financial information storage unit 212.

Of course, since the bank may charge a fee to the travel agent and the travel agent may take a long time to pay the fee, the mileage payment unit 215 may provide mileage to the customer's financial product after the fee charging step S140. You can also use the method of getting paid first and paid by the travel agency.

Figure 3 shows a flow diagram of a method according to another embodiment of the present invention.

As shown in FIG. 3, a method of providing financial products provided by a server of a bank connected with a customer and a travel agent according to another embodiment of the present invention includes a product information receiving step (S110), a financial information providing step (S120) A subscription step (S130), a customer information providing step (S235), a fee charging step (S140), and a mileage payment step (S150).

First, except for the step of providing customer information (S235), the remaining steps are similar to the steps and the method of the embodiment, and a detailed description thereof will be omitted.

The customer information providing step S235 is a step of providing the customer information stored in the customer information storing unit 213 of the bank server 210 and the financial product information the customer subscribes to the travel agent (100).

According to the customer information providing step, the travel company, which receives the customer information and the financial product information registered by the customer, directly communicates with the customer and promotes the travel product associated with the financial product, so that the travel company can provide the customer with more detailed travel products Information can be transmitted, and the bank can reduce the work load required for consulting the travel goods of the customer.

4 is a diagram showing a relationship between a bank, a travel agency, and a customer according to the method of the present invention.

In the relationship between the travel agency and the bank, the travel agency provides information on the travel goods to the bank. When the customer purchases the travel goods, the agent notifies the purchase details to the bank. You will be charged for the fee.

When a customer purchases a financial product associated with a travel product, the bank provides information on the customer to the travel agency to help the travel agent to sell the travel product. When the travel agent receives the travel product purchase information from the travel agency, Calculate the fees required to provide mileage and charge the travel agent.

Next, in the relationship between the bank and the customer, the bank introduces the financial product associated with the travel product to the customer, thereby inducing the customer to join the financial product, and when the customer joins the financial product, Provide information on travel agencies. In addition, when the customer confirms the purchase of the travel product linked with the financial product from the travel agency, the mileage is provided to the customer's financial product.

The customer may purchase a financial instrument associated with a travel product from the bank and, if satisfied with the financial product, may assist the bank in raising funds by recommending financial products to other customers.

Finally, in the relationship between the customer and the travel agency, the customer receives the information on the travel product associated with the financial product from the travel agency, and receives the discount when purchasing the travel product, thereby reducing the cost of purchasing the travel product.

In addition, the travel agency provides the customer with information on the travel goods linked with the financial product, and when the customer purchases the travel product, the customer can receive the goods and travel service separately from the bank to increase the satisfaction of the customer, .

In addition, as the bank provides the information to the customer about the travel product associated with the financial product while selling the financial product, the travel agent also promotes the financial product associated with the travel product to the customer who intends to purchase the travel product , It is desirable that both the bank and the travel agency have more opportunity to promote their products to customers.

The method of providing a financial product linked to a travel product according to the present invention has been described in detail with reference to the accompanying drawings. However, the present invention is not limited thereto. It should be understood that various changes and modifications may be made without departing from the scope of the invention.

S110: goods information receiving step S120: financial information providing step
S130: Financial product subscription step S140: Charging fee step
S150: mileage payment step S235: customer information providing step
100: Travel agency 200: Bank
210: server 211: travel agent information storage unit
212: financial information storage unit 213: customer information storage unit
214: commission calculation section 215: mileage payment section
220: communication unit 300:

Claims (5)

A method of providing financial products provided by a server of a bank associated with a customer and a travel agent,
A goods information receiving step of receiving information on the travel goods from the travel agency and storing the information in the travel agent information storage unit in the server;
A financial information providing step of storing information on a financial product to which a mileage is paid in connection with the travel product, in a financial information storage unit in the server, and providing information on the financial product to the customer;
A financial product registration step of storing the information of the customer and the information of the financial product to which the customer subscribes in a customer information storage unit in the server when receiving a registration application for the financial product from the customer;
When the customer purchases a travel product from the travel agent and the travel agent notifies the server of the purchase of the travel product, the server notifies the purchase based on the financial product information of the customer stored in the customer information storage, Determining whether the received travel product is a travel product to which the mileage is applied, and billing the fee to the travel agent at a predetermined rate in the purchase cost of the travel product when the mileage is confirmed as the travel product to which the mileage is applied. And
A mileage payment step of receiving the fee from the travel agent and providing the mileage to the customer's financial product stored in the customer information storage unit;
Wherein the method comprises the steps of:
The method according to claim 1,
Further comprising providing customer information stored in the customer information storage unit and information on a financial instrument to which the customer subscribes to the travel agent after the step of registering the financial product. How to provide financial products.
The method according to claim 1,
Wherein the mileage to be paid to the financial product of the customer in the mileage payment step includes interest accumulation, loan interest discount or discount on the purchase cost of the commodity.
The method of claim 3,
Wherein the customer's financial product is a savings amount and the interest earned on the mileage is paid to the customer after expiry of the expiry date.
5. The method of claim 4,
Wherein the amount of mileage to be paid to the customer is greater as the expiration time of the deposit is longer and the amount of money to be accumulated is greater.

Images