KR20170080128A - Lease payment system and method - Google Patents

Abstract

A lease settlement system and method thereof are disclosed.
The payment method comprising the steps of: receiving a lease request from the payment server when the purchaser selects the lease payment as one of the payment methods of the goods; Confirming the creditworthiness of the purchaser using a credit evaluation server; Determining whether to approve the lease settlement of the buyer based on the creditworthiness of the buyer; And a step of, when the purchaser has approved the lease settlement, concluding a lease contract with the purchaser and paying the commodity, wherein the lease contract lends the commodity to the buyer during a lease period, May be a contract to pay a lease amount determined according to the price of the commodity for a predetermined period.

Description

[0001] LEASE PAYMENT SYSTEM AND METHOD [0002]

The present invention relates to a system and method for making a lease settlement by concluding a lease agreement with a purchaser.

Recently, the number of users who do not have credit cards has increased as the conditions for issuing credit cards become more stringent.

When users who do not have a credit card want to purchase goods on the site, it is difficult to pay for the goods. For example, if there is no money in the account because the user's payday is before the user, the user can not pay for the goods using the account transfer until the payday is deposited on the payday a few days later.

Accordingly, there is a demand for a method of allowing a buyer to purchase and use a desired product even when the buyer does not have a current account or has a credit card.

The present invention relates to a device and a method for making a purchaser use a desired product even when the buyer does not have a balance in the current account or does not have a credit card by concluding a lease contract according to the credit of the purchaser and renting the product to the buyer Can be provided.

Also, according to the present invention, cloud funding conditions are set in advance before a lease contract with a purchaser to collect investment amounts greater than the amount required for lease settlement from investors, so that lease settlement Can be provided.

The payment method according to an embodiment of the present invention includes: receiving a lease request from a payment server when a purchaser selects lease settlement as one of payment means of a product; Confirming the creditworthiness of the purchaser using the evaluation server for the purchaser; Determining whether the buyer has approved the lease settlement based on the creditworthiness of the buyer; The method according to claim 1, further comprising the step of, when a lease settlement of the first purchaser is approved, concluding a lease contract with the purchaser and paying the commodity, the lease contract lending the commodity to the buyer during a lease period, May be a contract to pay a lease amount determined according to the price of the commodity for a predetermined period.

The step of settlement of the goods of the settlement method according to an embodiment of the present invention may settle the goods using the investment collected in advance according to the cloud funding condition before the lease settlement is selected from the buyer.

The payment method according to an embodiment of the present invention includes providing cloud investors with the cloud funding conditions and the investment request information including the maximum amount of the lease contract and the interest rate according to the investment amount; And activating the leasing settlement module to allow the purchaser to select the lease settlement to one of the payment means of the commodity if the total amount of the investment collected from the at least one investor exceeds the threshold amount.

The payment method according to an embodiment of the present invention may further include providing the investor with an amount corresponding to the cloud funding condition among the lease amount paid by the buyer.

The settlement method according to an embodiment of the present invention is a settlement method according to an embodiment of the present invention, in which, when the total amount of investment collected from the investor is reduced to less than a threshold amount by settlement of the commodity, And deactivating the lease settlement module.

The cloud funding condition of the payment method according to an embodiment of the present invention may include at least one of the maximum amount of the lease contract to be provided to the buyer, the interest rate according to the investment amount, and the lowest creditworthiness of the buyer to conclude the lease contract.

A payment method according to an embodiment of the present invention includes: receiving a goods settlement request signal that a buyer desires to settle from a transaction server; Providing a buyer terminal with a settlement module capable of paying a commodity price according to the commodity settlement request signal; Receiving a lease request signal from the buyer terminal and transmitting the lease request signal to the cloudless server when the buyer selects the lease payment module in the payment module; And a step of, when the cloudless server determines a lease agreement with the purchaser, paying a price of the commodity from the account of the investment in the cloudless server to the transaction server.

The payment module of the payment method according to an embodiment of the present invention includes a card payment module, a transactionless transfer module, a mileage payment module, and a lease settlement module activated by the cloudless server according to payment means provided by the payment server, Or the like.

The step of providing the settlement module of the payment method according to an embodiment of the present invention to the buyer terminal may include a step of providing a settlement module of a payment method most similar to a price of a commodity among the lease settlement modules activated by the cloudless server, The lease settlement module can be selected and transmitted to the buyer terminal.

The cloudless server of the payment method according to an embodiment of the present invention can confirm the creditworthiness of the purchaser using the credit evaluation server and determine whether to approve the lease settlement of the buyer based on the creditworthiness of the buyer.

The investment amount of the payment method according to an embodiment of the present invention may be collected in advance according to the cloud funding condition before the lease settlement module is selected from the buyer.

According to another aspect of the present invention, there is provided a payment method including: transmitting goods payment request information to a transaction server at a request of a purchaser; Receiving a payment module corresponding to the goods payment request from the payment server; Identifying payment means that the payment server can provide according to the payment module and displaying the payment means on a screen; Displaying information related to a lease contract on a screen using a lease settlement module and receiving a lease contract request if the buyer selects lease settlement among the payment means; And transmitting the lease request information including the input information to the payment server when the lease settlement request is received from the buyer, wherein the lease settlement module includes: Can be activated.

The investment amount of the payment method according to an embodiment of the present invention may be collected from investors in advance according to the cloud funding condition before the lease settlement module is selected from the buyer.

According to an embodiment of the present invention, a lease contract is concluded according to the credit of a buyer, and a product is rented to a buyer so that a buyer can use a desired product even when the buyer does not have a current account or a credit card .

According to an embodiment of the present invention, a cloud funding condition is set in advance before a lease contract with a purchaser to collect investment amounts greater than an amount required for lease settlement from investors, So that it is possible to perform the lease settlement without delay.

1 is a diagram illustrating a lease settlement system according to an embodiment of the present invention.
2 is a diagram illustrating an operation of a lease settlement system according to an embodiment of the present invention.
FIG. 3 is a diagram illustrating a process of collecting money in a lease settlement system according to an embodiment of the present invention.
4 is a view illustrating a lease settlement process of the lease settlement system according to an embodiment of the present invention.
5 is a flowchart showing a lease settlement method performed by the cloudless server according to the present invention.
FIG. 6 is a flow chart illustrating a method for collecting an investment carried out by the cloudless server of the present invention.
7 is a flowchart showing a lease payment method performed by the payment server of the present invention.
8 is a flowchart showing a lease settlement method performed by the buyer terminal of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. The lease settlement method and the investment money collection method according to an embodiment of the present invention can be performed by a lease settlement system.

1 is a diagram illustrating a lease settlement system according to an embodiment of the present invention.

The lease settlement system may include a cloudless server 110 and a payment server 150 as shown in FIG.

The cloudless server 110 can collect the investment money determined by the investors from the plurality of the investor terminals 120. [

Specifically, the cloudless server 110 may determine the cloud funding conditions and the investment request information, and may transmit the determined cloud funding conditions and the investment request information to the investor terminals 120 of the investors registered in the cloudless service. At this time, the cloud funding condition may include the maximum amount of the lease contract to be provided to the buyer, the interest rate according to the investment amount, and the minimum credit amount of the buyer to conclude the lease contract. In addition, interest on investment can be determined by the amount of lease received from the buyer in accordance with the lease contract.

The cloudless server 110 can receive the investment condition desired by the investor from the investor terminal 120 or set the investment condition when the user registers the investor as the investor in the cloudless service. At this time, the cloudless server 110 may search for funding conditions and investment request information corresponding to the investment condition among the determined funding conditions and investment request information, and may provide the funder terminal 120 with the information.

When the total amount of the investment money collected from the investors exceeds the threshold amount, the cloudless server 110 transmits a lease settlement module of the payment server 150 to the purchaser so that the purchaser can select the lease payment to one of the payment means of the commodity Can be activated. At this time, the threshold amount may be one of the amounts exceeding the maximum amount of the lease contract.

That is, if the total amount of the investment money collected from the investors is less than the maximum amount of the lease contract and the buyer intends to lease the maximum amount, the total amount of the investment money is less than the lease amount to be paid, Can not make lease payments using investment funds. Therefore, the cloudless server 110 can prevent the buyer from selecting the lease settlement only when the total amount of the investment money collected from the investors exceeds the threshold amount, thereby preventing the lease settlement failure due to the insufficient amount of the investment money .

For example, if the threshold amount is twice the maximum amount of the lease contract, the cloudless server 110 may conclude a lease contract at the maximum amount from two buyers at the same time, and perform lease settlement. That is, as the amount of the critical amount increases, the number of buyers who can conclude the lease contract at the same time without increasing the investment amount by the cloudless server 110 may increase.

When the buyer accesses the transaction server 140 to purchase the goods, the transaction server 140 may request the settlement server 150 to settle the transaction. For example, the transaction server 140 may be a server including an electronic commerce system. Also, the transaction server 140 may be a server that performs settlement of an electronic commerce transaction generated in the transaction server 140 in cooperation with the transaction server 140, such as a card company server.

At this time, the payment server 150 may provide a payment module to the buyer terminal 130, which allows the buyer to settle the commodity price, so that the buyer terminal 130 displays the settlement module. The payment module provided to the purchaser terminal 130 by the payment server 150 may include a card payment module, a transactionless transfer module, a mileage payment module, and a cloudless server 110 ) May be included in at least one of the lease settlement modules.

For example, if the buyer selects the lease settlement among the payment means of the goods, the buyer terminal 130 may display the lease settlement module on the screen of the buyer terminal 130. [ At this time, the lease settlement module displays the information related to the lease contract on the screen of the buyer terminal 130, and receives the lease contract request. At this time, the information related to the lease contract may include a lease period to lease the product, and a lease amount that the buyer has to pay monthly during the lease period.

If the buyer selects the lease settlement, the buyer terminal 130 may transmit the lease request information to the payment server 150 using the lease settlement module. The settlement server 150 may transmit the lease request information received from the buyer terminal 130 to the cloudless server 110.

The cloudless server 110 receiving the lease request information can confirm the creditworthiness of the purchaser by using the credit evaluation server 160. [ The cloudless server 110 can determine whether to approve the lease settlement of the buyer according to the creditworthiness of the buyer.

For example, if the creditworthiness of the buyer is less than the lowest creditworthiness of the buyer to conclude the lease included in the cloud funding condition, the cloudless server 110 may refuse the buyer's lease payment. Further, when the creditworthiness of the buyer is equal to or greater than the minimum creditworthiness of the buyer to conclude the lease contract included in the cloud funding condition, the cloudless server 110 can approve the lease settlement of the buyer.

When the cloudless server 110 approves the lease settlement of the purchaser, the cloudless server 110 can conclude a lease contract with the buyer and settle the commodity using the investment money previously collected. At this time, the cloudless server 110 can transmit to the payment server 150 lease determination information that the lease agreement with the buyer has been determined. The settlement server 150 that has received the lease determination information or the signal may perform lease settlement in which the money of the product is paid to the transaction server 140 in the account in which the investment of the cloudless server 110 is deposited.

At this time, the transaction server 140 may change the ownership of the product to the cloudless server 110, and deliver the product to the buyer so that the buyer can rent the product during the lease period.

The lease settlement system according to an embodiment of the present invention is a lease settlement system in which a lease contract is concluded in accordance with a credit of a buyer and a product is rented to a buyer so that a buyer Products can be used.

In addition, since the lease payment system rents the goods to the buyer while paying the goods desired by the buyer, if the buyer does not pay the lease amount, the goods can be collected according to ownership and the investment can be recovered. Therefore, the lease settlement system can minimize the risk when the buyer does not pay the lease amount.

In addition, since the lease settlement system sets up the cloud funding conditions in advance before leasing the buyer to the buyer, the investor is collecting more than the amount required for the lease payment from the investors. Therefore, Can be performed.

2 is a diagram illustrating an operation of a lease settlement system according to an embodiment of the present invention.

The cloudless server 110 may transmit cloud funding conditions and investment request information 211 to investors of the investors 210. At this time, the cloud funding condition may include the maximum amount of the lease contract to be provided to the buyer, the interest rate according to the investment amount, and the minimum credit amount of the buyer to conclude the lease contract.

At this time, the investor terminals can display the received cloud funding condition and investment request information 211. The investors 210 who have confirmed the cloud funding conditions and the investment request information 211 displayed on the investor terminals can determine whether to invest in cloud funding and the investment to invest in cloud funding.

Next, the investor 212 who wants to participate in cloud funding can send the determined investment funds 213 to the cloudless server 110. [

When the total amount of the investment money collected from the investors exceeds the threshold amount, the cloudless server 110 transmits a lease settlement module of the payment server 150 to the purchaser so that the purchaser can select the lease payment to one of the payment means of the commodity Can be activated.

At this time, the buyer 220 transmits the lease request information 214 to the payment server 150 using the lease settlement module of the payment server 150, and the payment server 150 transmits the lease request information 214 to the cloudless To the server 110.

Next, the cloudless server 110 can approve the lease settlement according to the creditworthiness of the buyer 220, and can conclude the lease contract 215 with the buyer 220. [

Next, the cloudless server 110 may send the lease determination information 216 to the payment server 150 that the lease agreement with the buyer has been determined. At this time, the payment server 150 may perform a lease settlement 217 to settle the price of the commodity in the account where the investment is deposited to the transaction server 140.

Finally, the transaction server 140 may change the ownership of the goods to the cloudless server 110 and provide the goods 218 to the buyer.

The lease settlement system sets up cloud funding conditions and makes lease settlement according to buyer's lease request using invested money from investors in advance, so that it is possible to make lease payment without recourse to investing for lease settlement after requesting lease. Can be performed.

FIG. 3 is a diagram illustrating a process of collecting money in a lease settlement system according to an embodiment of the present invention.

In step 310, the cloudless server 110 may determine the maximum amount of the lease contract to be provided to the purchaser, the interest rate according to the investment amount, the cloud funding condition including the minimum creditworthiness of the buyer to conclude the lease contract, and the investment request information . At this time, the cloudless server 110 may generate at least one cloud fund according to the cloud funding condition.

For example, the cloudless server 110 has the maximum amount of lease contract of 100,000 won, the interest rate of 5%, the minimum amount of the lease contract with the first cloud fund having the lowest creditworthiness is 1 million Yuan, the interest rate is 3% It is possible to generate the second cloud fund with the lowest creditworthiness.

In step 320, the cloudless server 110 may transmit the cloud funding conditions and investment request information determined in step 310 to the investor terminal 120 of the cloudless service registered investor. At this time, the investor can determine the cloud fund and the investment to be invested according to the cloud funding condition and the investment request information displayed by the investor terminal 120.

In step 330, the cloudless server 110 may receive from the investor terminal 120 the investment money determined by the investor in step 320 and determined by the investor.

At step 340, the cloudless server 110 may determine at step 330 whether the aggregate amount of investment collected from investors exceeds a threshold amount determined according to the maximum amount of the lease agreement.

If the total amount of the investment exceeds the threshold amount, the cloudless server 110 may perform step 350. In addition, if the total amount of the investment is less than or equal to the threshold amount, the cloudless server 110 may repeat step 340 until the total amount of the investment exceeds the threshold amount.

At step 350, the cloudless server 110 may activate the lease payment module of the payment server 150 so that the buyer can select the lease payment to one of the payment methods of the goods.

In step 355, the payment server 150 may provide a lease settlement service to the buyer using the lease settlement module activated in step 350. [

For example, if the threshold value of the first cloud fund is 500,000 won and the threshold value of the second cloud fund is 2,000,000 won, the payment server 150 performs lease payment of 100,000 won or less using the first cloud fund A second lease settlement module that performs lease settlement of less than one million won by using the first lease settlement module and the second cloud fund can be received from the cloudless server 110 and managed.

If the total amount of the investment money collected by the first cloud fund is 600,000 KRW and the total amount of the investment money collected by the second cloud fund is 800,000 KRW, the cloudless server 110 transmits the first lease settlement of the payment server 150 Module and the first lease settlement module of the second lease settlement module.

Accordingly, the purchaser can receive the lease settlement service using the first lease settlement module only when the commodity to be purchased is less than 100,000 won.

In addition, when the total amount of the investment collected in the second cloud fund exceeds 2,000,000 KRW, the cloudless server 110 can activate both the first lease settlement module and the second lease settlement module of the settlement server 150 . When the buyer makes a payment request, the payment server 150 provides both the activated first lease settlement module and the second lease settlement module to the buyer terminal 130 so that the buyer can receive the first lease settlement and the second lease settlement Or the like.

When the buyer makes a payment request, the payment server 150 selects a lease payment module corresponding to a desired one of the first lease payment module and the second lease payment module activated by the purchaser, To the purchaser terminal (130). For example, if a buyer wants to purchase a product for 90,000 won, the payment server 150 may determine the maximum amount of the lease settlement among the first and second lease settlement modules capable of providing a lease settlement service to the buyer It is possible to select the first lease settlement module with a lower price and provide it to the purchaser terminal 130.

For example, if the second lease payment module continues to be used for purchases of 100,000 KRW or less, the investment amount collected by the second cloud fund is reduced to be less than the threshold amount and deactivated, May not be able to use the second lease settlement module. Accordingly, the payment server 150 may select the lease payment module which is the most similar to the price of the product, and transmits the selected lease payment module to the buyer terminal 130, among the lease settlement modules whose maximum amount is larger than the price of the goods and activated.

 At step 360, the cloudless server 110 can determine whether the total amount of the reduced investment exceeds the threshold amount by providing the lease settlement service at step 355.

If the total amount of the investment exceeds the threshold amount, the cloudless server 110 may repeat step 360 until the total amount of the investment is reduced below the threshold amount. In addition, if the total amount of the investment has been reduced below the threshold amount, the cloudless server 110 may perform step 370.

At step 370, the cloudless server 110 may deactivate the leasing module of the payment server 150 to prevent the buyer from selecting a lease payment to one of the payment methods of the goods.

In step 375, the payment server 150 may suspend the lease settlement service using the inactive lease settlement module in step 370. For example, if the second lease settlement module is deactivated in step 370 and only the first lease settlement module is activated, the payment server 150 transmits a payment request in response to a payment request of the buyer exceeding 100,000 won Services may not be provided. However, if the buyer's payment request is less than or equal to 100,000 KRW, the payment server 150 may provide the lease settlement service using the activated first lease settlement module.

4 is a view illustrating a lease settlement process of the lease settlement system according to an embodiment of the present invention.

In step 410, the purchaser can access the transaction server 140 with the buyer terminal 130 to select a product to be purchased. Then, the buyer can request the transaction server 140 to settle the selected commodity with the buyer terminal 130.

The transaction server 140 may request the settlement server 150 to settle the commodity for which settlement is requested from the purchaser terminal 130 in step 410. [

In step 420, the payment server 150 may provide the purchaser terminal 130 with a payment module that allows the purchaser to settle the commodity price in accordance with the request received in step 415. [ The payment module provided to the purchaser terminal 130 by the payment server 150 may include a card payment module, a non-transaction transfer module, a mileage payment module, and a cloudless server 110 ) May be included in at least one of the lease settlement modules. In addition, the payment server 150 may select a lease settlement module most similar to the price of the commodity among the lease settlement modules activated by the cloudless server 110, and transmit the lease settlement module to the buyer terminal 130.

At step 430, the purchaser terminal 130 may display the payment module provided at step 420 on the screen. For example, if the buyer selects the lease settlement among the payment means of the goods, the buyer terminal 130 may display the lease settlement module on the screen of the buyer terminal 130. [ At this time, the lease settlement module displays the information related to the lease contract on the screen of the buyer terminal 130, and receives the lease contract request.

If the purchaser receives a plurality of lease settlement modules at step 420 and the buyer selects lease payment among the payment means of the goods, the buyer terminal 130 sequentially transmits a plurality of lease settlement modules to the buyer terminal 130 Or display a list of a plurality of lease settlement modules on the screen of the buyer terminal 130 so that the buyer can select one of the plurality of lease settlement modules.

If the buyer selects the lease payment in step 430, the buyer terminal 130 may transmit the lease request information to the payment server 150 using the lease payment module selected by the buyer. At this time, the lease request information may include the buyer's identification information.

In step 445, the payment server 150 may transmit the lease request information received in step 440 to the cloudless server 110.

In step 450, the cloudless server 110 may inquire the credit rating server 160 about the creditworthiness of the buyer using the buyer's identification information included in the lease request information received in step 445. [

In step 455, the credit rating server 160 identifies the creditworthiness of the buyer using the identification information of the buyer received in step 450, and transmits the creditworthiness of the identified buyer to the cloudless server 110 as a response signal .

In step 460, the cloudless server 110 may send lease terms to the investor terminal 120, such as the buyer's credit rating and the buyer's purchase price.

In step 465, the investor terminal 120 may transmit an investment decision signal to the cloudless server 110 when the investor who has confirmed the lease condition received in step 460 has decided to invest in the lease settlement.

The cloudless server 110 receiving the investment decision signal from the investor can approve the buyer's lease settlement.

Steps 460 and 465 may be optional steps performed when the investor requests the investor's approval for the lease settlement. If the investor does not request the investor's approval for the lease settlement, the cloudless server 110 may determine whether to approve the buyer's lease payment according to the creditworthiness of the buyer received at step 455.

If the cloudless server 110 approves the lease settlement of the buyer, the cloudless server 110 can conclude a lease contract with the buyer.

In step 470, the cloudless server 110 may send to the payment server 150 lease determination information that a lease agreement has been determined with the buyer.

In step 480, the payment server 150 may perform a lease settlement in which the investment of the cloudless server 110 is paid to the transaction server 140 in the account where the investment is deposited.

In step 490, the transaction server 140 may change the ownership of the goods to the cloudless server 110 and deliver the goods to the buyer so that the buyer can rent the goods during the lease period.

5 is a flowchart showing a lease settlement method performed by the cloudless server according to the present invention.

In step 510, the cloudless server 110 can collect the investment money determined by the investors from the plurality of investor terminals 120. [

In step 520, the cloudless server 110 can confirm whether or not the lease request information has been received from the payment server 150. Upon receiving the lease request information, the cloudless server 110 may perform step 530. [ In addition, if the lease request information is not received, the cloudless server 110 may repeat step 520 until it receives the lease request information.

In step 530, the cloudless server 110 can confirm the creditworthiness of the purchaser using the credit evaluation server 160. [ Specifically, the cloudless server 110 can request the credit rating of the buyer by transmitting the buyer's identification information included in the lease request information to the credit evaluation server 160. [ The cloudless server 110 can receive the creditworthiness of the purchaser identified according to the buyer's identification information from the credit evaluation server 160. [

In step 540, the cloudless server 110 may determine whether to approve the lease settlement of the buyer according to the creditworthiness of the buyer determined in step 530.

For example, if the creditworthiness of the buyer is less than the lowest creditworthiness of the buyer to conclude the lease included in the cloud funding condition, the cloudless server 110 may refuse the buyer's lease payment. Further, when the creditworthiness of the buyer is equal to or greater than the minimum creditworthiness of the buyer to conclude the lease contract included in the cloud funding condition, the cloudless server 110 can approve the lease settlement of the buyer.

If the cloudless server 110 approves the lease settlement of the purchaser in step 540, the cloudless server 110 may conclude a lease contract with the buyer and settle the commodity using the investment money previously collected. At this time, the cloudless server 110 can transmit to the payment server 150 lease determination information that the lease agreement with the buyer has been determined. The settlement server 150 that has received the lease determination information or the signal may perform lease settlement in which the money of the product is paid to the transaction server 140 in the account in which the investment of the cloudless server 110 is deposited.

In step 560, the cloudless server 110 may confirm that the lease amount is deposited from the purchaser in accordance with the lease contract entered in step 550. [ Then, the cloudless server 110 can pay the investor the amount corresponding to the cloud funding condition from the lease amount deposited from the buyer.

FIG. 6 is a flow chart illustrating a method for collecting an investment carried out by the cloudless server of the present invention. Steps 610 to 680 of FIG. 6 may be included in step 510 of FIG.

In step 610, the cloudless server 110 may determine the maximum amount of the lease contract to provide to the buyer, the interest rate according to the investment amount, the cloud funding condition including the minimum creditworthiness of the buyer to conclude the lease contract, . At this time, the cloudless server 110 may generate at least one cloud fund according to the cloud funding condition.

In step 620, the cloudless server 110 may receive an investment condition desired by the investor from the investor terminal 120. At this time, the investment condition may include at least one of the interest rate, investment stability, and the maximum amount of the lease contract depending on the investment amount desired by the investor.

In step 630, the cloudless server 110 searches the funding conditions and investment request information corresponding to the investment conditions received in step 620, among the funding conditions and investment request information determined in step 610, 120). At this time, the cloudless server 110 can determine that the lower the creditworthiness of the buyer is, the lower the investment stability is.

In addition, the investor can determine the cloud fund and the investment to be invested according to the cloud funding condition and the investment request information received and displayed by the investor terminal 120.

In step 640, the cloudless server 110 may receive the investment funds determined by the investor in step 630 from the investor terminal 120.

At step 650, the cloudless server 110 may check at step 640 whether the total amount of investment collected from investors exceeds the threshold amount determined according to the maximum amount of the lease.

If the total amount of the investment exceeds the threshold amount, the cloudless server 110 may perform step 660. Also, if the total amount of the investment is less than or equal to the threshold amount, the cloudless server 110 may repeat step 650 until the total amount of the investment exceeds the threshold amount.

At step 660, the cloudless server 110 may activate the lease payment module of the payment server 150 so that the buyer can select a lease payment to one of the payment methods of the goods.

In step 670, the cloudless server 110 may determine whether the total amount of the reduced investment exceeds the threshold amount by providing the lease settlement service using the activated lease settlement module in step 660.

If the total amount of the investment exceeds the threshold amount, the cloudless server 110 may repeat step 670 until the total amount of the investment is reduced below the threshold amount. In addition, if the total amount of the investment has been reduced below the threshold amount, the cloudless server 110 may perform step 680.

At step 380, the cloudless server 110 may deactivate the lease payment module of the payment server 150 to prevent the buyer from selecting a lease payment to one of the payment methods of the goods.

7 is a flowchart showing a lease payment method performed by the payment server of the present invention.

In step 710, the payment server 150 may receive a goods settlement request signal from the transaction server 140, which the buyer wishes to settle.

In step 720, the payment server 150 may provide the buyer terminal 130 with a payment module that allows the buyer to settle the commodity price according to the request signal received in step 710. [ The payment module provided to the purchaser terminal 130 by the payment server 150 may include a card payment module, a non-transaction transfer module, a mileage payment module, and a cloudless server 110 ) May be included in at least one of the lease settlement modules. In addition, the payment server 150 may select a lease settlement module most similar to the price of the commodity among the lease settlement modules activated by the cloudless server 110, and transmit the lease settlement module to the buyer terminal 130.

In step 730, the payment server 150 can confirm whether or not the lease request information has been received from the buyer terminal 130. [ Upon receiving the lease request information, the payment server 150 may perform step 740. [ In addition, if the lease request information is not received, the payment server 150 may repeat step 730 until it receives the lease request information.

In step 740, the payment server 150 may send the lease request information received in step 730 to the cloudless server 110.

In step 750, the payment server 150 can confirm whether or not the lease determination information that the lease agreement with the buyer has been received from the cloudless server 110 is received. If the lease determination information is received, the payment server 150 may perform step 760. [ If the lease determination information is not received, the payment server 150 may repeat step 750 until it receives the lease determination information.

In step 760, the payment server 150 may perform a lease settlement in which the money of the goods in the deposited account of the cloudless server 110 is paid to the transaction server 140.

8 is a flowchart showing a lease settlement method performed by the buyer terminal of the present invention.

In step 810, the buyer terminal 130 accesses the transaction server 140 according to the request of the buyer. If the buyer wants to pay for the goods provided by the transaction server 140, Request information can be transmitted. At this time, the transaction server 140 may request payment to the payment server 150 according to the goods payment request information received from the buyer terminal 130. The payment server 150 may provide the purchaser terminal 130 with a payment module that allows the purchaser to pay the commodity price.

In step 820, the purchaser terminal 130 can identify the payment means that the payment server 150 can provide according to the payment module received from the payment server 150. [ The purchaser terminal 130 can display the payment means that the payment server 150 can provide on the screen of the purchaser terminal 130. [ For example, the buyer terminal 130 may display at least one of the payment method provided by the payment server 150, that is, the card payment, the transactionless payment, the mileage payment, and the cloudless payment.

In step 830, the purchaser terminal 130 can confirm whether the purchaser has selected lease settlement among the payment methods displayed in step 820. [ If the buyer has selected the lease settlement, the buyer terminal 130 may perform step 840. [ In addition, if the buyer selects one of the payment methods other than the lease payment, the buyer terminal 130 may perform step 850. [

At step 840, the purchaser terminal 130 may display the lease payment module on the screen of the purchaser terminal 130. [ At this time, the lease settlement module displays the information related to the lease contract on the screen of the buyer terminal 130, and receives the lease contract request. At this time, the information related to the lease contract may include a lease period to lease the product, and a lease amount that the buyer has to pay monthly during the lease period.

The purchaser terminal 130 may transmit the lease request information including the information inputted by the lease settlement module to the payment server 150. [

At step 850, the purchaser terminal 130 may display a payment module corresponding to the payment means selected by the purchaser, among the card payment module, the non-transaction transfer module, and the mileage payment module among the mileage payment modules, on the screen of the buyer terminal 130 in step 850. The purchaser terminal 130 may transmit a payment request signal including information received from the purchaser to the payment server 150 by the payment module displayed on the screen.

According to the present invention, a lease contract is concluded according to a credit of a buyer, and a product is rented to a buyer so that a buyer can use a desired product even when the buyer does not have a current account or a credit card.

Also, according to the present invention, cloud funding conditions are set in advance before a lease contract with a purchaser to collect investment amounts greater than the amount required for lease settlement from investors, so that lease settlement Can be performed.

The method according to an embodiment may be implemented in the form of a program command that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions to be recorded on the medium may be those specially designed and configured for the embodiments or may be available to those skilled in the art of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape; optical media such as CD-ROMs and DVDs; magnetic media such as floppy disks; Magneto-optical media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

While the invention has been shown and described with reference to certain preferred embodiments thereof, it will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. This is possible.

Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the equivalents of the claims, as well as the claims.

110: Cloudless server
120: Investor terminal
130: Buyer terminal
140: Transaction server
150: Payment server
160: Credit evaluation server

Claims (13)

Receiving a lease request from a payment server if the purchaser has selected lease payment to one of the payment means of the merchandise;
Confirming the creditworthiness of the purchaser using a credit evaluation server;
Determining whether to approve the lease settlement of the buyer based on the creditworthiness of the buyer; And
If the lease settlement of the buyer is approved, a lease contract is concluded with the buyer, and the settlement of the goods
Lt; / RTI >
The lease agreement,
And the purchaser rents the paid commodity for the lease period, and the purchaser pays the lease amount determined according to the price of the commodity for the predetermined period. The method according to claim 1,
The method of claim 1,
A settlement method of settlement of the commodity using investment funds previously collected according to a cloud funding condition before the lease payment is selected from the purchaser. 3. The method of claim 2,
Providing the investor with cloud funding conditions and investment request information including the maximum amount of the lease contract and the interest rate according to the investment amount; And
Activating a lease settlement module to allow the buyer to select the lease settlement to one of the payment means of the commodity if the total amount of the investment funds collected from the at least one investor exceeds the threshold amount
Further comprising: 3. The method of claim 2,
Providing an amount corresponding to the cloud funding condition among the lease amount paid by the buyer to the investor who has invested the investment money
Further comprising: 3. The method of claim 2,
Deactivating the lease settlement module such that, if the total amount of the investment money collected from the investor is reduced to less than or equal to the threshold value by settlement of the commodity, the other purchaser can not select the lease settlement with one of the payment means of the commodity
Further comprising: 3. The method of claim 2,
The cloud funding conditions include:
The maximum amount of the lease to be offered to the buyer, the interest rate according to the investment amount, and the minimum creditworthiness of the buyer to conclude the lease. Receiving a goods settlement request signal from a transaction server, the buyer requesting settlement;
Providing a buyer terminal with a settlement module capable of paying a commodity price according to the commodity settlement request signal;
Receiving a lease request signal from the buyer terminal and transmitting the lease request signal to the cloudless server when the buyer selects the lease payment module in the payment module; And
When the cloudless server determines a lease contract with a purchaser, a step of paying a price of the commodity from the account in which the investment amount of the cloudless server is deposited to the transaction server
Lt; / RTI > 8. The method of claim 7,
The payment module includes:
A payment module, a transactionless transfer module, a mileage payment module, and a lease payment module activated by the cloudless server according to a payment means that the payment server can provide. 8. The method of claim 7,
The step of providing the payment module to the purchaser terminal comprises:
And selecting a lease settlement module most similar to a price of a commodity among the lease settlement modules activated by the cloudless server and transmitting the selected lease settlement module to the buyer terminal. 8. The method of claim 7,
The cloudless server includes:
A credit evaluation server for checking the creditworthiness of the purchaser and determining whether to approve the lease settlement of the buyer based on the creditworthiness of the purchaser. 8. The method of claim 7,
The investment
Wherein the lease settlement module is previously collected according to the cloud funding condition before the lease settlement module is selected from the buyer. Transmitting merchandise payment request information to a transaction server according to a request of a purchaser;
Receiving a payment module corresponding to the goods payment request from the payment server;
Identifying payment means that the payment server can provide according to the payment module and displaying the payment means on a screen;
Displaying information related to a lease contract on a screen using a lease settlement module and receiving a lease contract request if the buyer selects lease settlement among the payment means; And
When receiving the lease contract request from the purchaser, transmitting the lease request information including the inputted information to the payment server by the lease settlement module
Lt; / RTI >
The lease settlement module,
A method of payment that is activated based on the money invested by the cloudless server. 13. The method of claim 12,
The investment in the cloudless server
Wherein the lease settlement module is recruited in advance from investors according to cloud funding conditions before the lease settlement module is selected from the buyer.

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