KR20150076406A

KR20150076406A - Group purchasing system and method using electronic bill

Info

Publication number: KR20150076406A
Application number: KR1020130164488A
Authority: KR
Inventors: 채수명
Original assignee: 채수명
Priority date: 2013-12-26
Filing date: 2013-12-26
Publication date: 2015-07-07

Abstract

A joint purchase system and method using an electronic bill is disclosed. A joint purchaser terminal for transmitting a joint purchase request; A purchaser who receives the joint purchase request, confirms the purchase by acting as a joint purchase application on the basis of the received joint purchase request, and provides purchase information according to the joint purchase request according to a credit agreement established in advance, Agency server; A manufacturer and a wholesaler / distributor terminal providing the commodity or service to the co-purchaser in accordance with the joint purchase request made by the purchase proxy server; And a bank server for making a payment to the wholesaler and distributor in response to a request for the current purchase by the purchase agency server and receiving a payment by requesting the coin buyer for the paid money, The personal information, the bank account information, the goods or service according to the joint purchase request, and the corresponding payment information, and the bank account information of the purchasing agent is a security account for the money until the payment is made The withdrawal of the amount corresponding to the price is prohibited.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system and method for purchasing joint purchases using an electronic bill,

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a joint purchase system and method, and more particularly to a joint purchase system and method using an electronic note.

Traditionally, e-commerce using the Internet has been activated, making purchases and sales comparable to offline purchases.

Because of the nature of e-commerce, it is very convenient, cheap, and fast.

As one of the e-commerce methods, one of the few purchasers' way to purchase more online, not offline, is to purchase a more affordable price.

A minority of buyers are usually people who have nothing to do with each other, but they are able to purchase a single product or service at a lower cost by buying it jointly. It can be seen as a group formed solely for the purpose of purchasing.

As a result, there is a lot of concern about the payment method in the joint purchase method, and in fact, many problems are caused.

There is also a problem that a representative of a collective purchasing group collects money and substitutes the payment with someone's credit card, but later fails to collect the purchase amount from the purchaser. In addition, when a payment is made by any one credit card, since the amount is very large, there are many cases in which a card installment purchase method is used. In the case of purchasing a card installment, there is a problem of paying a high installment interest.

On the other hand, even in the case of cash settlement, in the case of purchasing expensive notebook computers or electronic products, the liquidity problem of cash occurs to each buyer. Buyers' liquidity problems prevent joint purchase groups from forming.

As such, the joint purchase method causes various problems in the settlement, so a safer and more reliable settlement method is required.

However, it is unlikely that a secure and reliable payment method will be used by an immediate group of individuals.

Therefore, it is necessary to secure the safety of joint purchase by a new payment system which has not been used in the past.

An object of the present invention is to provide a joint purchase system using an electronic bill.

Another object of the present invention is to provide a joint purchase method using an electronic bill.

According to an aspect of the present invention, there is provided a joint purchase system using an electronic bill, comprising: a joint purchaser terminal for transmitting a joint purchase request; A purchaser who receives the joint purchase request, confirms the purchase by acting as a joint purchase application on the basis of the received joint purchase request, and provides purchase information according to the joint purchase request according to a credit agreement established in advance, Agency server; A manufacturer and a wholesaler / distributor terminal providing the commodity or service to the co-purchaser in accordance with the joint purchase request made by the purchase proxy server; And a bank server for paying the wholesale retailer in response to a request for a lump sum payment by the purchasing agent server and charging the co-purchaser for the paid money.

At this time, the purchase information may be configured to include the personal information of the co-purchaser, the bank account information of the co-purchaser, the goods or service according to the joint purchase request, and the corresponding payment information.

And the bank account information of the purchasing agent is preferably configured such that the withdrawal of the amount corresponding to the payment is prohibited until the payment is made as the secured account for the payment.

At this time, the bank server charges the co-purchaser at the time when the goods or service is completely provided to the co-purchaser, and when the coin is not paid within a predetermined period of time, And may be configured to withdraw money.

According to another aspect of the present invention, there is provided a joint purchase method using an electronic bill, the joint buyer terminal transmitting a joint purchase request to a purchase agency server; Receiving the joint purchase request from the purchase agency server, confirming purchase and purchase of the manufacturer and wholesaler dealer terminal according to the received joint purchase request; Providing the purchase information by the purchase purchase server to the bank server and requesting payment to the bank server according to a credit agreement previously concluded with the bank server; Payment by the bank server to the manufacturer and the wholesaler / seller terminal in response to a request for a lump sum now by the purchasing agent server; Providing the manufacturer or wholesaler dealer terminal with the corresponding goods or services according to the joint purchase request to the joint purchaser terminal; And the bank server may bill the co-purchaser terminal for the paid money and receive payment within a predetermined time limit.

Here, it is preferable that the corresponding bank account information of the purchasing agent is configured such that the withdrawal of the amount corresponding to the payment is prohibited until the payment is made as the secured account for the payment.

In this case, when the payment is not made within the predetermined time, the bank server may be configured to fetch the money from the bank account information of the co-purchaser.

According to the joint purchase system and method using the electronic paper bill, the electronic bill, that is, the credit agreement is concluded in advance between the joint purchasing agent and the bank, and the bank charges the purchase of the joint purchase application to the wholesale and retailer And the next bank is configured to charge the co-purchaser for payment, thereby reducing the risk of direct settlement of the co-purchasers and safely purchasing the co-purchasers.

In addition, there is an effect that joint purchasers are not restricted in purchasing even if the cash flow is not sufficient immediately.

In addition, there is no need to pay the installment interest of high interest rate at the time of joint purchase, and the uncertainty of the settlement of the joint purchase is eliminated, so that a healthy joint purchase transaction is effective.

In addition, since the bank is provided with a deposit account of the co-purchaser in advance, the deposit for each of the coins is prohibited from being withdrawn as the collateral, so that there is no fear that the coins will not be paid by the co-purchaser. In other words, as a bank, it can also ease the distrust of an electronic bill, that is, the credit agreement, and the settlement of the payment, and can easily agree on a contract for joint purchase.

1 is a block diagram of a joint purchase system using an electronic bill according to an embodiment of the present invention.
2 is a flowchart of a joint purchase method using an electronic bill according to an embodiment of the present invention.

While the invention is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail to the concrete inventive concept.

It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

Like reference numerals are used for like elements in describing each drawing.

The terms first, second, A, B, etc. may be used to describe various elements, but the elements should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another.

For example, without departing from the scope of the present invention, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component. And / or < / RTI > includes any combination of a plurality of related listed items or any of a plurality of related listed items.

It is to be understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, .

On the other hand, when an element is referred to as being "directly connected" or "directly connected" to another element, it should be understood that there are no other elements in between.

The terminology used in this application is used only to describe a specific embodiment and is not intended to limit the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise.

In the present application, the terms "comprises" or "having" and the like are used to specify that there is a feature, a number, a step, an operation, an element, a component or a combination thereof described in the specification, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs.

Terms such as those defined in commonly used dictionaries are to be interpreted as having a meaning consistent with the contextual meaning of the related art and are to be interpreted as either ideal or overly formal in the sense of the present application Do not.

Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of a joint purchase system using an electronic bill according to an embodiment of the present invention.

Referring to FIG. 1, a collective purchasing system (hereinafter referred to as a 'collective purchasing system') 100 according to an embodiment of the present invention includes a collective purchaser terminal 110, a purchasing agent server 120, A manufacturer and wholesaler terminal 130, and a bank server 140.

The joint purchasing system 100 performs a joint purchase request of the joint purchaser terminal 110 at the purchase proxy server 120 and requests payment to the bank server 140 that has made a credit agreement in advance to settle the transaction do. After completing the transaction, the bank server 140 charges the co-purchaser terminal 110 and receives the payment.

Accordingly, there is no need to pay interest accrued at the time of collective purchase, and monetary incidents at the time of joint purchase are prevented, and the problem of cash liquidity at the time of purchase of joint purchasers is also solved.

As a bank, the bank server 140 prohibits the withdrawal of cash from the savings accounts of the co-purchasers secured in advance until payment is made, thereby resolving concerns about pending.

Hereinafter, the detailed configuration will be described.

The co-buyer terminal 110 is configured to transmit a joint purchase request to the purchase agent server 120.

It is preferable that each co-purchaser make membership in advance in the purchase proxy server 120.

The common purchaser may be configured to transmit the joint purchase request to the purchase agency server 120 through the respective joint buyer terminals 110, and there is no need to recruit a joint purchaser separately.

Here, it is preferable that the joint purchase request includes the personal information of the joint purchaser, the bank account information of the joint purchaser, the goods or service according to the joint purchase request, and the corresponding payment information. It is desirable to extract some of the membership information from the membership information.

The purchase proxy server 120 is configured to receive a joint purchase request from the joint buyer terminal 110.

The purchase proxy server 120 may be configured to perform the joint purchase request according to the received joint purchase request and to confirm the purchase. The purchase proxy server 120 may be configured to transmit the contents of the joint purchase request to the manufacturer and wholesaler / seller terminal 130 to purchase and confirm the purchase.

When the purchase is confirmed, the purchase proxy server 120 provides purchase information according to the collective purchase application to the bank server 140 according to the credit agreement or electronic bill agreement previously established with the bank server 140 to request the payment .

In accordance with such credit agreement or electronic billing agreement, the bank will advance the payment to the wholesale and retailer. After the transaction is completed, the bank charges the co-purchaser and receives the payment. The co-purchaser will make a payment to the bank's electronic bill account and complete the payment.

The manufacturer and wholesaler / seller terminal 130 may be configured to provide the corresponding commodity or service to the corresponding joint purchaser in accordance with the joint purchasing request made by the purchasing proxy server 120.

The bank server 140 may be configured to pay the wholesale retailer according to a current request by the purchasing agent server 120, to charge the co-purchaser for the payment paid in advance.

At this time, the bank server 140 may be configured to charge the co-purchaser after the co-purchaser completes the provision of the goods or services.

When the co-purchaser registers the completion of the provision of the product or service to the purchase agent server 120, the bank server 140 is configured to receive the notification from the purchase agency server 120. [ Or the courier or the like notifies the purchase agency server 120 of the completion time of the delivery or receipt, the purchase agency server 120 may be configured to notify the bank server 140 again.

Meanwhile, it is preferable that the bank account information of the purchasing agent is configured such that the withdrawal of the amount corresponding to the payment is prohibited until the payment of the payment as the secured account for the payment. It is preferable that the bank server 140 is configured to set such a withdrawal prohibition with the consent of the purchasing agent through the purchasing agent server 120. [

The prohibition of withdrawal is limited to the amount equivalent to the amount of the co-purchaser, preferably from the time of completion of purchase to the expiration date of payment settlement.

If necessary, if the bank account information of the buyer is a payroll account or periodic payment is made, even if the balance is insufficient at the time of the purchase application, the buyer may be allowed to apply for the purchase, or even if the creditworthiness of the co- Or to allow the user to do so.

The bank server 140 charges the co-purchaser at the time when the goods or services are provided to the co-purchaser, and when the coin is not paid within a predetermined period of time, the bank server 140 withdraws money from the co- .

2 is a flowchart of a joint purchase method using an electronic bill according to an embodiment of the present invention.

Referring to FIG. 2, the joint purchaser terminal 110 transmits a joint purchase request to the purchase proxy server 120 (S110).

Next, the purchase proxy server 120 receives the joint purchase request, and performs the purchase for the manufacturer and wholesaler dealer terminal 130 according to the received joint purchase request (S120).

Next, the purchase proxy server 120 provides the purchase information by the joint purchase request to the bank server 140 and requests the bank server 140 to pay the money according to the credit agreement previously concluded with the bank server 140 (S130).

And the bank account information of the purchasing agent may be configured such that the withdrawal of the amount corresponding to the payment is prohibited until the payment is made as the secured account for the payment.

Next, the bank server 140 pays the payment to the manufacturer and the wholesaler / seller terminal 130 according to the current request by the purchase proxy server 120 (S140).

Next, the manufacturer and wholesale / retailer terminal 130 provide the corresponding goods or services according to the joint purchase request to the joint buyer terminal 110 (S150).

Next, the bank server 140 requests the co-purchaser terminal 110 to pay the previously paid money (S160).

Next, the bank server 140 determines whether settlement is completed within a predetermined time limit (S170).

At this time, if the settlement is completed within the time limit, the collective purchase transaction ends, and if the settlement is not completed within the time limit, the bank server 140 fetches the money from the coin buyer's bank account information (S180).

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention as defined in the following claims. There will be.

110: co-buyer terminal
120: Purchase agency server
130: Manufacturer and wholesaler / distributor terminal
140: Bank server

Claims

A joint purchaser terminal for transmitting a joint purchase request;
A purchaser who receives the joint purchase request, confirms the purchase by acting as a joint purchase application on the basis of the received joint purchase request, and provides purchase information according to the joint purchase request according to a credit agreement established in advance, Agency server;
A manufacturer and a wholesaler / distributor terminal providing the commodity or service to the co-purchaser in accordance with the joint purchase request made by the purchase proxy server;
And a bank server for making a payment to the wholesaler and distributor in response to a current request from the purchasing agency server and requesting the co-
The purchase information includes:
The personal information of the co-purchaser, the corresponding bank account information, the goods or service according to the joint purchase request, and the corresponding payment information,
The corresponding bank account information of the purchasing agent is,
And the withdrawal of the amount corresponding to the payment is prohibited until the payment of the money as the secured account for the money.

The bank server according to claim 1,
Claims a payment to the co-purchaser at a time when the goods or service is provided to the co-purchaser and withdraws the coin from the co-purchaser's bank account information if the payment is not made within a predetermined period of time A joint purchasing system using electronic bill.

Transmitting the joint purchase request to the purchase agency server by the joint buyer terminal;
Receiving the joint purchase request from the purchase agency server, confirming purchase and purchase of the manufacturer and wholesaler dealer terminal according to the received joint purchase request;
Providing the purchase information by the purchase purchase server to the bank server and requesting payment to the bank server according to a credit agreement previously concluded with the bank server;
Payment by the bank server to the manufacturer and the wholesaler / seller terminal in response to a request for a lump sum now by the purchasing agent server;
Providing the manufacturer or wholesaler dealer terminal with the corresponding goods or services according to the joint purchase request to the joint purchaser terminal;
Wherein the bank server requests the co-purchaser terminal for the paid money and receives payment within a predetermined time limit,
The purchase information includes:
A personal information of the co-purchaser, bank account information of the co-purchaser, a goods or service according to the joint purchase request, and corresponding payment information.

The method of claim 3,
The corresponding bank account information of the purchasing agent is,
The withdrawal of the amount corresponding to the payment is prohibited until the payment of the money as the secured account for the money,
Further comprising the step of the bank server fetching the money from the bank account information of the co-purchaser when the money is not paid within the predetermined time limit.