KR20180088062A - Method for providing financial services - Google Patents

Abstract

The present invention relates to a method of providing a reasonable and expeditious financial service (loan). When a customer having used electronic equipment urgently needs cash, accurate performance and value analysis are carried out through an unmanned terminal located in a certain area or place. Price fluctuation is calculated according to the period of lease of the used equipment. A reasonable and expeditious financial service (loan) can be provided.

Description

[0001] METHOD FOR PROVIDING FINANCIAL SERVICES [0002] FIELD OF THE INVENTION [0003]

The present invention relates to a method for providing financial services for used electronic devices,

More specifically, if a customer with a used electronic device needs cash quickly, it is possible to carry out an accurate performance and value analysis through an unmanned terminal provided in a certain region or place, And to provide a reasonable and expeditious financial service (loan) accordingly.

In recent years, the market for used mobile phones has been rapidly growing since the implementation of the Act on the Improvement of Distribution Structure of Mobile Terminals (Hangtong Law) in Korea . Most of the used electronic devices are collected through general sales agents (sale of used goods after purchase and purchase services) or intermediary collecting distributors (including collecting shops). In case of domestic sales, separate sales sites of used electronic devices and used electronic devices It is being sold through distribution centers, and a certain amount is being exported to overseas or treated as a waste disposal process for resource recycling.

Especially, these used electronic device distribution stores perform only simple distribution function of selling second-hand goods to customers or purchasing used electronic devices from specific customers. Therefore, there is no way to profit from additional distribution points in addition to sales and purchase functions of the main selling products. In order to increase profits, visiting customers are exploiting weaknesses in purchasing and selling pricing information on used products, causing excessive use of purchased equipment or inflating prices of products sold.

Therefore, in addition to the simple distribution function of these used electronic device distribution centers, new distribution service that can improve the profit of the distribution point like the financial service provision is needed, and mutual trust and sound trading culture between the customer and the distribution point is settled There is a need.

 As a conventional technology for providing financial services using second-hand products, there is disclosed in Japanese Patent Laid-Open No. 10-2007-0044248 (Apr. 27, 2007) , The conventional technology is a vehicle for collateral, and corresponds to a technical field which is not related to the present invention which is intended to combine the distribution service of used electronic equipment with the financial service.

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems,

We conduct accurate performance and value analysis of the used electronic equipment of customers who want to use financial services through unmanned terminals provided in a certain region or place, calculate the price fluctuation according to the term of the used equipment, It is intended to provide financial services (loans).

In particular, by simulating price fluctuations, it is possible to determine a loan limit by calculating the price fluctuation over the term of a loan, to provide a new revenue generating means for improving the profitability of a distribution point in addition to a simple distribution function to a used electronic device distribution point, The goal is to contribute to the enhancement of profitability, mutual reliability between customers and retailers, and the establishment of a sound trading culture.

In financial services for used electronic devices, it is not the subjective analysis or judgment of the retailer manager, but the price fluctuation of the target device calculated by unattended, programmed and systemized valuation, that is, The purpose of this study is to provide a financial service with superior customer reliability through the determination of the limit of the loan through.

In addition, it provides more precise and reliable valuation and loan limit decisions when providing financial services through the use of short-lived and large-used electronic devices. It is aimed at meeting satisfactorily.

In addition, it not only informs the client of a reliable term and loan limit but also suggests a suitable term for establishing the maximum loan limit. In case that the loan can not be withdrawn to the store manager for more than the corresponding term, It is aimed at minimizing the risk of non-return of the loan by allowing the device to be sold forcibly.

The present invention having the above object

(S1) a step in which the input / output module of the unattended terminal collects the product information of the target device, (S2) the external appearance verification module and the internal verification module of the unattended terminal acquire the appearance state and H / W operation state of the target device (S3) the control module of the unattended terminal receives the price fluctuation data from the operation server, calculates price of the target device based on the received price fluctuation data, the inspection result and the product information, (S4) calculating a price fluctuation of the target device in accordance with a ramp-up period according to a result of the price fluctuation simulation, (S5) And outputting the calculated price fluctuation result.

The step (S5) may include a step (S51) of determining a loan limit according to a term of a loan of the target device based on the calculated price fluctuation result of the output module of the unattended terminal do.

The step S5 may include a step S52 of presenting a rental period in which the value of the target device is evaluated to be the highest based on the calculated price fluctuation result of the output module of the unattended terminal, The time when the value of the target device is evaluated to be highest is immediately before the time when the price drop width of the target device becomes larger than a predetermined drop threshold value.

Further, the step (S2) includes the steps of: (S21) analyzing the external appearance state of the target device by the external verification module; and (S22) analyzing the H / W operation state of the target device by the internal verification module (S22), the H / W performance checking step using the user operation and the automatic H / W performance checking step using the internal APP installed in the target device for the internal inspection (S222) And < / RTI >

The present invention comprising the above steps and features

Generally, when using a certain amount of time or reselling after storage, there is a sharp drop in value over time, rather than financial services for products where the purchase price and value fluctuate little or fluctuate depending on the timing. The present invention provides a new financial service technology that provides financial services through valuation of products.

In other words, accurate performance and value analysis are carried out through unmanned electronic devices used by customers who wish to use financial services through an unmanned terminal located in a certain area or place, and price fluctuations are calculated according to the term of the used equipment In particular, it provides financial services (loans). In particular, by setting up a loan limit through simulation of price fluctuations, it is possible to increase the profitability of the retailer, secure mutual trust between the customer and the retailer, and establish a sound trading culture. It is possible to provide financial services with excellent customer credibility through the trend of price fluctuation of the target device to be calculated and the limit of the loan through the calculation of the price change trend of the target device, and to provide a more reliable valuation and loan for the used electronic devices, Limit determination is provided, and furthermore, through price fluctuation simulation Customers who give imchi by presenting an appropriate period of time to set the maximum loan amount, retailers administrators have the effect of being able to minimize the risk in accordance with the unreturned loans.

1 is a conceptual diagram of a system constructed to implement the present invention;
2 is a specific configuration diagram of an unattended terminal.
3 is a specific configuration diagram of an operation server;
4 to 8 are explanatory diagrams for helping understanding of the present invention.
Fig. 9 shows the first and second embodiments of the present invention. Fig.
10 is a flow chart of an automatic performance analysis and data erasure method;
11 is a third embodiment of the present invention.

While the present invention has been described in connection with certain embodiments, it is obvious that the invention is not limited to the disclosed embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the invention. It is to be understood, however, that the invention is not intended to be limited to the particular forms disclosed, but on the contrary, is intended to cover all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. In the present application, the term " comprising " or " consisting of ", or the like, refers to the presence of a feature, a number, a step, an operation, an element, a component, But do not preclude the presence or addition of one or more other features, integers, steps, operations, components, parts, 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.

It is to be understood that the first to second aspects described in the present specification are merely referred to in order to distinguish between different components and are not limited to the order in which they are manufactured, It may not match.

More specifically, if a customer with a used electronic device needs cash quickly, it is possible to carry out an accurate performance and value analysis through an unmanned terminal provided in a certain region or place, And to provide a reasonable and expeditious financial service (loan) accordingly.

Hereinafter, a method of providing a financial service according to the present invention will be described in detail with reference to the accompanying drawings.

(Hereinafter, reference numerals denoting the respective steps of the present method are meant to substitute naming for each step separately from the reference numerals).

2 shows a specific configuration of the unattended terminal A, and Fig. 3 shows a specific configuration of the operation server R (Fig. 2). Fig. 1 shows the overall configuration of a system FIG.

As shown in FIG. 1, the system Bs includes an unattended terminal A for providing an unattended value analysis of a target used electronic apparatus (hereinafter referred to as a target apparatus E) And an operating server (R) for exchanging information.

2, the unattended terminal A, which is a component of the system Bs, includes an input / output module 1, a data deletion module 2, an external appearance verification module 3, an internal verification module 4, A control module 5 and a mechanism part 6.

For each configuration, the input / output module 1 is a concept for synthesizing configurations for providing information input and information output of the unattended terminal A, and typically includes a touch-type display (input and output), a receipt printer, and the like.

Next, the data deleting module 2 deletes the personal data and information of the target device E, and provides the personal data and the information deleting service that the customer has not yet deleted so as to prevent leakage of the customer personal information. Such a data erasure module is not an essential component for realizing the present invention, and in the case where the system Bs together with the provision for the financial service together with the service concerning the purchase of the used electronic equipment (sale in the case of the customer) Can be utilized.

Next, the external examination module 3 is configured to analyze the appearance state of the target device E, and the external verification module 3 analyzes the appearance state of the target device E in the financial service targeted for the target device, Analyze the appearance of the target device (E) to estimate the value (loan limit).

Next, the internal verification module 4 is configured to analyze the H / W operation state of the target device E and provides a criterion for calculating the value of the target device E together with the external verification module 3 described above do.

The control module 5 controls the entire configuration of the unattended terminal A in accordance with the result of the analysis of the external inspection module 3 and the internal inspection module 4, A price calculation unit 51 for calculating a loan limit of the used electronic equipment, and a payment unit 52 for paying the price according to the calculated value. , The price calculation unit 51 may pay the price of the target device, and the payment unit 52 may pay the purchase price)

to the next. The mechanism part 6 is a concept collectively referred to as a mechanical or device configuration of the unattended terminal A and particularly includes a storage part for storing and storing the target device E therein.

The system Bs also provides an accurate and objective analysis of the appearance and hardware operating conditions, which are the basis of the value analysis of the target device E, through analysis of the external inspection module 3 and the internal inspection module 4 Therefore, it has an effect of contributing to improvement of the reliability of the financial service for the used electronic device.

In addition, the present system (Bs) does not depend on the intuition of a person but systematically analyzes the value (loan limit) of the target device (E) by the price calculation unit 51 and calculates the price To contribute to building a stable financial service structure.

In addition, the system (Bs) safely stores and stores the target device (E) unmanned through the auxiliary pipe portion without breakage, and has an effect of preventing the target device (E) from being damaged or stolen.

Hereinafter, more specific features and additional features of each configuration of the unattended terminal A of the system Bs will be described with reference to FIG.

As shown in FIG. 2, the input / output module 1 is preferably configured as a touch-type display. The touch-type display includes an LCD 11 for outputting a screen, information for inputting a target device E A receiving LCD touch (touch panel) 12, a control driver 13 for controlling the display, and a power controller 14 for supplying power to the display. Here, the screen displayed through the LCD 11 may display information, progress, analysis result, price calculation result, etc. according to each procedure of the present system Bs. Also, among the information input by the touch panel 12, the model name, the unique number of the target device E, the identification information of the seller, and the like are required to be input. Hereinafter, this information is referred to as "product information" .

2, the data deletion module 2 deletes the personal data and information of the target device E according to the data deletion algorithm 21 for deleting personal data and information, the data deletion algorithm 21, A data deletion controller 22 for deleting the data to be deleted, a power controller 23 for power supply, and an interface (I / F) 24 for connection with the target device E.

2, the external examination module 3 includes a photographing section 31 composed of a camera for photographing the exterior, an image processing section 32 for digitizing and processing the photographed image, And an appearance state analysis algorithm 33 for analyzing the appearance state of the target device E. [

2, the internal verification module 4 has a configuration similar to that of the data deletion module 2. This is because the software for the operation of the internal verification module 4 and the software for the operation of the data deletion module 2 This is because software for operation can be integrated. The internal verification module 4 includes a function / performance analysis algorithm 41 for analyzing the H / W operation state of the target device E, a H / W operation state of the target device E according to the function / (I / F) 43 for connection with the target device E, and a power controller 44 for power supply. The functions (H / W operating states) analyzed by the internal verification module 4 may include a screen output state, a memory, a wireless device, a sensor device, and a current state of a mounted hardware device. It may further include a manufacturer, a model name, a serial number, a manufacturing date, a mounting S / W version, and the like of the target device E not input through the input / output module 1 described above. And may further include distribution information such as personal communication company information, stolen state information, and the like.

2, the control module 5 controls the overall operation of the system Bs in addition to the price calculation section 51 and the settlement section 52 described above, and interlocks with the operation server R And the like. These configurations include a UI unit 53 for providing an appropriate user interface (UI) in accordance with the system operation procedure, a driving algorithm 54 for the data deletion module 2, and an I / F protocol And a terminal control S / W 571 for providing stable operation control of the target device E connected to the unattended terminal A, an algorithm 56 such as a personal authentication and financial security algorithm for financial transactions, A verification data linking / creating S / W 572 for creating verification data for verification of the target device E or linking the verification data with the price database of the operation server R, A tag assigning S / W 573 for printing and scanning a tag (barcode, QR code, etc.), an additional function processing S / W 574 and an external interlocking API to check whether the target device E is stolen And various types of software such as theft inquiry processing S / W 574 may be included.

Next, the mechanism part 6 may further include mechanism devices for performing various functions in addition to the storage part 60 for storing and storing the target device E described above. These mechanism devices include a locking device 61, an electronic device input / output unit 62, a receipt output unit 63, a tag output / reader unit 64 for tag printing and scanning, A credit card recognition unit 66 that can be used in connection with the financial service, an identification card recognition unit 67, a banknote dispensing unit 68 for sending money, an unauthorized terminal A, And a body mechanism 69 constituting an internal mechanism.

In addition, the unattended terminal A of the system Bs may further include an I / F power supply part 7, and as shown in FIG. 2, such an I / F power supply part 7 may be opened and / An alert unit 71 for issuing an alarm when an impact occurs, an emergency call unit 72 for urgent action when an unattended terminal A is abnormal, an external shooting CCTV for system security, and a security device 73 for performing various security functions A network interface unit 74 for communication with the target device E, the operation server R or the financial institution, and a power supply unit 75.

Hereinafter, more specific features and additional features of each configuration of the operation server R among the system Bs will be described with reference to FIG.

The operation server R exchanges various kinds of information with the unmanned terminal A, and in particular, provides a linkage between the unattended terminals A when a system is constructed by interlocking a plurality of unattended terminals A with each other.

As shown in FIG. 3, the operating server R is largely composed of a server system S / W (R1) and a server system H / W (R3).

More specifically, the server system S / W (R1) includes a client / database operation software R11 for smooth operation of the operation server R, an I / F protocol R12 for interworking with a plurality of unattended terminals A, An authentication and security module R13 provided to smoothly perform settlement authentication with the unattended terminals A, a trading and settlement process module R14 for simultaneously trading and settlement through the unattended terminals A, Function processing software (R15), server operation UI (T16), server integration control software (R17), real-time buy / sell price interworking protocol (R18), a verification and data deletion report DB conversion module R19, a customer information and used device information database conversion module R20, and the like.

Next, the server system H / W (R3) includes client server hardware R31, a server system database R32, a power supply R33, a display R34, a keyboard and mouse interface R35, A network switching hub R36, a network switching hub R37, and a hardware R38 for fixing and mounting such hardware.

The operating server R having the above configuration integrally controls a plurality of unattended terminals A so that a wide range of the system Bs can be constructed.

The method includes a product information collection step S1, a verification result derivation step S2, a price change simulation execution step S3, a price change calculation step S4, and a price change result output step S5 .

In each step, the product information collection step S1 is a step of collecting product information of the target used equipment (target equipment) of the input / output module 1 of the unattended terminal A installed in a certain area or place, As described above, the product information may further include the model name of the target device E, the unique number, the identification information of the seller, as well as the manufacturer, date of manufacture, date of sale, appearance and internal function status.

Next, in the derivation step S2, the external appearance verification module 3 and the internal verification module 4 of the unattended terminal A respectively analyze the appearance state and the H / W operation state of the target device E, The external verification module 3 analyzes the external appearance state of the target device E and the internal verification module 4 analyzes the H / W operation state of the target device E (Step S22).

In step S21 of analyzing the appearance state of the target device E by the visual inspection module 3, the state of the LCD and the camera (front and rear) of the target device E via the camera of the photographing part 31, Key state, case state (breakage or scratch, etc.), analyze the captured image after data processing.

The step S22 of analyzing the H / W operation state of the target device E by the internal verification module 4 includes the H / W performance checking step S221 through the user operation and the automatic H / W performance checking using the internal APP Step S222.

Here, the H / W performance checking step (S221) through the user operation may include a sensor inspection (acceleration sensor, rotation sensor, illumination sensor, proximity sensor, etc.), button inspection (hometown, back key, volume key, power key, , A touch function test (sequential touch, multi-touch, pixel test, etc.), an earphone jack test, and the like.

In addition, the automatic H / W performance checking step (S222) using the internal APP includes a speaker / microphone test, a network function test (WiFi, cellular, Bluetooth, GPS), a battery condition test, a vibration motor performance test, And the like through the installed program (APP).

In particular, it is preferable that the installation of the program for the step S222 is preceded by the step S2 for obtaining the acceptance result. As described above, the acceptance result derivation step S2 is divided into two steps S21 and S22 It is necessary to precede the step S22 of analyzing the H / W operation state of the target device E at least by the internal verification module 4.

Next, the price fluctuation simulation execution step S3 is a step in which the control module 5 of the unattended terminal A receives the price fluctuation data from the operation server R, And simulating the price fluctuation of the target device on the basis of the result and the product information of the step (S1). Preferably, the price fluctuation data is updated in real time from the operation server (R).

In order to carry out this step S3, the unmanned terminal A is provided with a price fluctuation simulation driving program, which is implemented in the processor of the control module 5, and a process for value analysis and price calculation together .

FIG. 4 shows a graph of the price fluctuation of the used electronic equipment according to the elapsed time period. In the graph of FIG. 4, it can be confirmed that the price of the target device E decreases as the period elapses from the purchase period of the target device E. As shown in the graph of FIG. 4, the above-described price fluctuation data is a numerical value of price fluctuation (decline) with passage of time. Also, as shown in the graph of FIG. 4, the above-described price fluctuation simulation is to derive the price fluctuation trend of the target device E according to the elapsed time.

Next, the price fluctuation calculating step S4 is a step of calculating the price fluctuation of the target device E according to the result of the price fluctuation simulation by the control module 5 of the unattended terminal 1, (E) of the target device (E) during a predetermined period of time. This step S4 also proceeds according to the process implemented by the processor of the control module 5.

Next, the price fluctuation result output step S5 is a step of outputting the calculated price fluctuation result of the input / output module 1 of the unattended terminal A, A rental limit determination step S51 for determining a limit, and a provision period presentation step S52 for presenting a provision period in which the value of the target device is evaluated according to the calculated price fluctuation result.

More specifically, the loan limit determination step S51 is a step of determining the loan limit according to the term of the object device E based on the calculated price fluctuation result of the input / output module 1 of the unattended terminal A , And when the target device E is to be borrowed for a predetermined period of time, the loan limit is determined. Here, it is desirable that the loan limit should not exceed the price of the target device at the time of the imposed term calculated.

In step S52, the input / output module 1 of the unattended terminal A presents a rental period in which the value of the target device E is evaluated to be the highest based on the calculated price fluctuation result Through this step S52, the customer can be provided with the rental period in which the value of the target device E is evaluated to be the highest, and can arrange the rental period up to that point.

Here, the point at which the value of the target device E is evaluated to be highest is the point in time immediately before the price of the target device E rapidly drops, that is, immediately before the point when the price decrease width of the target device E becomes larger than the predetermined drop threshold value And the drop threshold can be set according to the choice of the practitioner.

The present method comprising the above steps and features can provide a financial service for used electronic devices by disposing an unattended terminal in a certain area or place, thereby eliminating the space restriction that does not necessarily limit the implementation of the method to a distribution point do.

In addition, it not only informs the client of the reliable term of the loan and the limit of the loan, but also suggests the appropriate term for setting the maximum loan limit. If the loan can not be recovered to the manager, Can be forcibly sold, thereby minimizing the risk associated with non-return of the loan.

In addition, when providing financial services through the use of short-lived and large price fluctuations in used electronic equipment, the method provides more accurate and reliable valuation and loan periods, and subsequent loan limit decisions, It has the effect of satisfying the needs of both administrators perfectly.

In addition, it not only informs the client of the reliable term of the loan and the limit of the loan, but also suggests the appropriate term for setting the maximum loan limit. If the loan can not be recovered to the manager, It is possible to minimize the risk associated with the return of the unsecured loan.

In addition, when providing a financial service through the use of a short-lived and large price fluctuation of used electronic equipment, the method provides a more precise and reliable valuation and loan period, or subsequent loan limit decision, It has the effect of satisfying the needs of both administrators perfectly.

As can be seen from FIGS. 4 to 8, the method may further include a rental service step S6.

More specifically, the rental service step S6 is a step in which the unattended terminal A designates a new electronic device as a rental target device to be rented to a customer, inputs product information of the rental target device through the input / output module 1, And recording the product information of the target device in the database of the operation server (R).

In this step S6, the customer means a person who desires to receive the financial service through the target device, that is, the owner of the target device.

At this step S6, the unattended terminal A stores the product information of the rental target device inputted through the input / output module 1 in its own or in the database of the operation server R, At the end of the term of the loan, the loan shall be returned and the equipment to be rented shall be recovered.

Since the customer can use the rental object device during the loading period of the object device through the present method including the step (S6) and the characteristic, the inconvenience due to the absence of the used electronic device can be solved, It is possible to generate profit through rental of the rental equipment and provide the compensation purchase service of the device to be rented, thereby enjoying the advertisement and advertising effect that can keep the distribution business with the customer.

4, the description of the loan limit determination step S51 and the provision period presentation step S52 including the price fluctuation simulation step S3 and the price fluctuation calculation step S4 of the present method can be more easily explained It is possible.

Referring to FIG. 4, as shown in FIG. 4A, the price fluctuation simulation execution step S3 includes: a price fluctuation curve (s201) through the simulation of the normal price fluctuation of the product group, (S302) (price simulation prediction result) by taking into account the price fluctuation width between the simulated price fluctuation 2 and the purchase price (or the imputed price) to the customer. Various variables such as exchange rate, loan interest rate (fixed interest rate and variable interest rate), production and sales volume of the same model, and market changes according to new product launch plan can be applied.

In this paper, we propose a method for estimating the price of a product by using the price change simulation (estimated price algorithm) - to be able to win.

To this end, the present invention is important in that the selling price is also important for a simple period, but it can be predicted and circulated at a time when a sudden change in selling price occurs and a point at which a retailer can easily resell at a good price.

4 (B), it is possible to confirm the implementation of the price fluctuation calculation step S4 (the loan limit determination step S51 may be included) for realizing the financial service to be provided by the present method. It is possible to estimate the selling price (s301) of the target device to which the loan period at the current point is applied by applying the price fluctuation curve s201 shown in FIG. 4 (A) to the rental period T1, Since the selling price will be sold as an amount to which the price fluctuation curve s202 for each period of FIG. 4 [A] is applied, the loan limit M0 is determined by applying the actual selling price s302.

In particular, it is desirable that an algorithm is implemented so that the loan limit M0 can be determined within a predetermined margin considering the operating profit of the manager, etc., in addition to the application of the price fluctuation curve s302.

FIG. 4C is a diagram showing a loan limit determination step (S51) and a rental term presentation step (FIG. 4B) in which a customer is allowed to perform a forced sale after a certain period of time and an automatic sale through a coupon through a simulation of a best selling point, (S52). As a typical example, a period is calculated based on 75% (s501) of the purchase price, and a predetermined period (a minimum period required from purchase to sale, a distribution point for transportation after purchase, And the transportation period to the customer) to calculate the final selling point (s502).

Figure 5 shows various applications of the method.

Referring to FIG. 5, after the lending is completed according to the present method, it is possible to perform the lending process and the result through the personal mail or SNS of the customer.

Alternatively, it is possible to extend the customer from a general consumer to a local distribution store, to provide financial services to a local distribution store, or to sell to a local distribution store the object device that has passed the imposition period.

Or the operating server (R), in order to update the product information and price information of the target device, to link with the manufacturer or other fields, to link with the financial institution to secure the loan, and to contact the customer center And the like.

6 to 8 are explanatory diagrams for facilitating understanding of the present method, FIG. 6 shows that the present method can be more intuitively confirmed through a drawing, FIG. 7 shows an algorithm for progressing each step, FIG. 8 particularly shows an algorithm embodying the rental service step S6.

6A, 6B, C, and D are conceptual diagrams showing the implementation of providing financial services and rental services through the present method, FIG. 6B is a conceptual illustration of providing a rental service using a device to be rented together with a financial service provision, and FIG. 6B conceptually illustrates a product and a service (financial service) FIG. 6 [C] is a conceptual view showing another embodiment of applying the compensation purchase service to the device to be rented, and FIG. 6 [D] shows the most effective price and point of view to the customer and the store, Or providing a financial service for forcibly selling at a predetermined time point mutually negotiated.

FIG. 7 is a diagram showing the process of each step of the present method as an algorithm. More specifically, an algorithm flow chart for operating procedures and methods of a financial service and a rental service, a compensation purchase service through a used electronic device through a distribution point, And is a flowchart of the operation algorithm applying general intelligent buying process.

In the implementation of FIG. 7, when the target device is purchased, the algorithm of the sales procedure of the purchased target device is performed in parallel, and when the customer proceeds in the order of sale, the customer can receive general financial services, financial services, Detailed procedures are described step by step, the compensation procedure is not described in detail, and the function of checking and valuing the equipment subject to rental, which was collected at the last collection of the rental service process, is briefly described.

FIG. 8 is a flowchart illustrating a detailed processing procedure for providing a rental service for other products in addition to the financial service for the sake of convenience of the customer. In particular, when there is no product held at the visited retail store, And conceptually shows a service for searching for a rental target device desired by a customer in real time or an electronic device capable of replacing the rental target device in cooperation with the online sales server of the head office.

Here, when using the online sales server of the head office, there is a problem that it can not be picked up immediately in the field. Therefore, it is preferable to select a method of receiving it at a store or a method of sending it to a customer's receiving address at a later time.

It is anticipated that those skilled in the art will be able to understand the present invention more easily and clearly through the contents shown in FIG. 6 to FIG.

9 shows the first and second embodiments of two methods of communication means for data transmission between the target device E and the unattended terminal A according to an embodiment of the present invention.

According to the first embodiment (Fig. 9A), the system Bs and the method Bm further include a cable c that provides data transfer between the unattended terminal A and the target device E . According to the second embodiment (Fig. 9B), the system Bs and the method Bm further comprise a wireless communication network for providing data transfer between the unattended terminal A and the target device E Lt; / RTI >

The two embodiments differ in whether the data transmission between the unattended terminal A and the target device E is to be wired or wireless. In both embodiments, the cable (c) There is a common point that the control module 5 of the terminal A includes the step of installing an electronic device interlocking S / W for interlocking control of the object device E to the object device E. [

However, in the second embodiment, data transmission between the terminal A and the target device E must be performed wirelessly. In order to utilize the wireless communication network, the network interface unit of the I / F power unit 7 74 and a security device 73 as shown in FIG.

FIG. 10 is a flow chart showing an automatic performance analysis and a data deletion method of the present method (Bm). Referring to FIG. 10, the flow of the value analysis and data deletion among the method (Bm) (FIG. 10 shows the procedure of the present method Bm, and the reference numerals are different for distinguishing from the respective steps of the present method Bm).

10, the method Bm includes a value analysis procedure start step S100, an electronic device interlocking and control S / W installation procedure S110, an interlocking and control protocol interlocking procedure S120, (S130), a data deletion process progress procedure (S140), and a sale (embedding) end (S150).

In step S 110, an electronic device interlocking and control software installation procedure S110 is a procedure in which a data deletion program is installed in the target device E, and a program (internal APP) installed in the target device E is stored in the target device E Can be downloaded and installed as integrated software because it can include both the value analysis and data deletion functions of (E).

The interlocking and control protocol interlocking procedure S120 is a procedure in which the cable c provided in the unattended terminal A is connected to the target device E. In the method Bm, The bar, interworking and control protocol interworking procedure (S120) can proceed in two forms: connection of cable (c) or connection of wireless communication network.

The automatic performance analysis procedure S130 is a procedure for analyzing the H / W operation state of the target device E by the internal verification module 4, specifically, the automatic H / W performance check using the internal APP. / W operation state (S131), and then a step S132 of reporting the value analysis result is completed.

The data deletion process procedure S 140 is a procedure related to data deletion. The procedure for installing the data deletion program in the target device E is already performed through the above-described electronic device interlocking and control S / W installation procedure S 110 And the data deletion process procedure S140 is completed by proceeding with the data deletion result derivation procedure S141 and then the deletion result reporting step S142 similarly to the automatic performance analysis procedure S130.

FIG. 11 is a flowchart illustrating a third embodiment of the present invention, in which the unmanned terminal A of the present system Bs is provided with an unattended used electronic equipment sales apparatus.

As shown in FIG. 11, according to the third embodiment, the system Bs is an unattended terminal that sells electronic devices (hereinafter referred to as " replacement devices ") provided for replacing used electronic devices And a sales module (9).

11, the unattended sales module 9 includes a locking device 91 for opening and closing the front window 93 of the sales box 92, a replacement device 91 for opening and closing the front window 93 of the sales box 92, A front window 93 which is coupled to the sales box 92 for storing and displaying the substitute device 92 and allows the replacement device in the sales box to be confirmed from the outside, A rotary plate 94 for rotating the substitute device, and an LED 95 provided on the outer surface of the vendor 93 to indicate whether the substitute device is in stock or out of stock.

The unattended sales module 9 is also controlled by the control module 5 of the unattended terminal A and is preferably managed by the operation server R. In particular, It may be desirable to be provided so as to be deducted from the purchase amount.

In the above description, the unmanned sales module 9 has sales as a main content. However, in proceeding to the rental service step S6, selection of a rental target device is also performed through the unattended sales module 9 It is also possible.

While the present invention has been described with reference to exemplary embodiments, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.

Bs: This system
A: Unattended terminal
1: Input / output Part 2: Data deletion module
3: External inspection module 4: Internal inspection module
5: Control module 6: Mechanism part
R: Operating server E: Target device

Claims (4)

A financial service realized by an unmanned intelligent used electronic device value analysis system composed of an unmanned terminal providing value analysis of a used electronic device (hereinafter referred to as a target device) to be imposed, and an operation server exchanging various information with the unmanned terminal In the providing method,
(S1) collecting product information of the target device by the input / output module of the unattended terminal;
(S2) analyzing the appearance state and the H / W operation state of the target device and deriving a verification result from the external verification module and the internal verification module of the unattended terminal, respectively;
(S3) receiving the price fluctuation data from the operating server of the control module of the unattended terminal, and performing price fluctuation simulation of the target device based on the received price fluctuation data, the inspection result, and the product information;
(S4) the control module of the unattended terminal calculates the price fluctuation of the target device in accordance with the result of the price variation simulation; And
(S5) outputting the calculated price fluctuation result by the input / output module of the unattended terminal;
The method comprising the steps of;
The method according to claim 1,
The step (S5)
(S51) a step of determining a loan limit according to a term of a loan of the target device, based on the calculated price fluctuation result of the input / output module of the unattended terminal Delivery method.
The method according to claim 1,
The step (S5)
(S52) a step of presenting a rental period in which the value of the target device is evaluated to be highest based on the calculated price fluctuation result of the input / output module of the unattended terminal,
Wherein the time when the value of the target device is evaluated to be highest is immediately before the time when the price drop width of the target device becomes larger than a predetermined drop threshold value.
The method according to claim 1,
The step (S2) includes the steps of (S21) analyzing the appearance state of the target device by the appearance verification module, and (S22) analyzing the H / W operation state of the target device by the internal verification module Lt; / RTI >
The step (S22) includes an H / W performance checking step using a user operation (S221) and an automatic H / W performance checking step using an internal APP installed in the target device for internal verification (S222) A method of providing a financial service to a used electronic device.

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