KR20200034390A - The system that manages a accumulation process of a pension linked to consumption - Google Patents

Abstract

The present invention relates to a pension-linked-to-consumption (PLc) accumulation managing system capable of guiding to effectively enjoy an effect of promoting a transparent economic society, which comprises: an operation information storage module for storing operation information; a product/service search support module for transmitting a generated product/service search result page to a consumer information device; and a PLc/sale money deposit support module for depositing the amount corresponding to a bargaining participation to a consumer financial account.

Description

The system that manages a accumulation process of a pension linked to consumption}

The present invention relates to a system for managing the accumulation procedure of the pension in conjunction with the consumer's consumption behavior, and more specifically, simultaneously with the consumption behavior of the product / service of the consumer member (ie, the consumer member pays for the product / service). At the same time as the implementation), by inducing that the corresponding Pension Linked to Consumption (PLc) be credited to the consumer member's financial account (including the dedicated account), in the end, on the consumer member side, Even without the pension payment process, various benefits (for example, cashable benefits, extinction aging) of cash-based pensions beyond the existing promotional services (e.g., point accumulation, coupon offer, price discount, one plus one, free bonus offer, etc.) There are no benefits, business funds / housing purchase funds / university enrollment funds / child marriage funds benefits, transferable benefits, loanable benefits, consumption analysis benefits, etc.) In addition to guiding them to help them, the sales member guides them to effectively hold strong promotional means of a new and reliable concept beyond the existing promotional services. Furthermore, at the national level, it also prevents wealth bias, and promotes a transparent economic society. It is about PLc accumulation management system that can guide you to enjoy effectively.

Recently, as the competition among sellers has become fierce, based on sales methods such as earning points, providing coupons, discounting prices (price sale), OnePlus One, and providing free bonus products, they can support sellers' promotional activities. Various types of promotional support systems that can be developed and distributed widely.

For example, Korea Registered Utility Model No. 20-464174 (name: digital billboard with point accumulation service) (published on December 12, 2012), Korea Patent Publication No. 10-2013-65772 (name: based on payment method Coupon providing device and method) (published on June 20, 2013), Korean Patent Publication No. 10-2013-89928 (name: method and system for providing merchant discount service) (published on August 13, 2013), Korean Registered Patent No. 10 -1746126 (Name: Point-earning type mobile stamp issuing system and method) (2017.07.03.announced), Korean Registered Patent No. 10-1793915 (name: Period Sale Product Management System) (announced Nov. 6, 2017) In the back, examples of such promotional support systems according to the prior art are disclosed in more detail.

On the other hand, under this conventional system, each consumer requests a new concept of promotion service that can maximize their profits, and each seller also requests a strong promotion means of a new and reliable concept that is beyond the existing promotion service. have.

However, in spite of this, conventional promotional services including point accumulation, coupon offer, price discount (price sale), OnePlus One, and free bonus products offer, for example, <on / offline stores continuously. Disadvantages earned only by visiting and raising sales>, <Disadvantages that apply only to specific stores>, <Disadvantages that cannot be commercialized>, <Disadvantages that expire after a certain period>, <Disadvantages that trigger consumer overconsumption>, <Consumers Disadvantages when moving, when the seller closes, or when the seller changes, <disadvantages that cannot be transferred / transferred>, <disadvantages that cannot be cashed>, <disadvantages that cannot be used as a basis for loans>, etc. As a result, consumers / sellers are eager to meet this despite constant requests for <New Concept Promotion Service>, unless further action is taken. Come on, are forced to go through many difficulties.

Korea Registered Utility Model No. 20-464174 (Name: Digital billboard with point accumulation service) (announced on December 12, 2012) Republic of Korea Patent Publication No. 10-2013-65772 (name: device and method for providing coupons based on payment method) (published on June 20, 2013) Republic of Korea Patent Publication No. 10-2013-89928 (name: method and system for providing merchant discount service) (published on August 13, 2013) Republic of Korea Registered Patent No. 10-1746126 (Name: Point earning type mobile stamp issuing system and method) (announced on July 3, 2017) Republic of Korea Registered Patent No. 10-1793915 (Name: Period Sale Product Management System) (announced on Nov. 6, 2017)

Accordingly, the object of the present invention is to provide the product / service registered by the sales member at the pension / price condition most favorable to the product / service price under the communication infrastructure of the consumer information device, the sales member information device, and the like. Computer module that can guide you to search, <Computer module that can guide you to freely negotiate product / service price and pension price between consumer and sales members>, <Sales member side by consumer member When the purchase of a product / service is decided, a part of the purchase price of the consumer member can be deposited into the financial account of the sales member, and the rest of the purchase price of the consumer member is the Pension Linked to consumption (PLc) ) In the form of a computerized module that can be deposited / deposited in the financial account of the consumer member>, and systematically arranged, through which the consumer member's product / book At the same time as non-consuming activities (i.e., the consumer member fulfills the payment for goods / services), the corresponding cash can be deposited in the financial account of the consumer member (e.g., PLc-only account) in the form of pension. By inducing, in the end, the consumer members, without any separate pension payment procedure, various cash-only pensions out of the existing promotional services (e.g., point accumulation, coupon offer, price discount, one plus one, free bonus offer, etc.) Benefits (e.g., cashable benefits, benefits without extinction prescription, business funds / housing purchase funds / university enrollment funds / child marriage funds benefit benefits, transferable benefits, loanable benefits, consumption analysis benefits, etc.) In addition to guiding them to enjoy a wide range of products, sales members can also effectively hold strong promotional means of a new and reliable concept beyond the existing promotional services. It is to guide and guide the government to effectively enjoy the effect of blocking the bias of wealth and promoting the transparent economic society.

Other objects of the present invention will become more apparent from the following detailed description and accompanying drawings.

In order to achieve the above object, in the present invention, through a wired / wireless online network, a consumer member information device, a sales member information device, a shopping mall server linked to a Pension Linked to Consumption (PLc), a bank linked to a PLc A PLc accumulation management system that communicates with a server and manages a PLc accumulation procedure in connection with consumption behavior of a consumer, comprising: an operation information storage module for storing operation information including product / service information registered by a sales member; When a product / service search request message containing a search keyword is transmitted from a consumer member information device connected to the PLc linked shopping mall server, the product / service information is searched for, and product / service information corresponding to the search keyword is extracted. Afterwards, the product / service sales price and PLc (%) for each extracted product / service information and the actual payment of the product / service reflecting PLc (%), where PLc (%) means the percentage of PLc relative to the product / service sales price) After calculating the price and generating the product / service search result page in which the product / service information is listed in order from low product / service actual payment price to high product / service actual payment price, the generated product / A product / service search support module for transmitting a service search result page to the consumer member information device; When a product / service purchase decision message containing payment information is transmitted from the consumer information device, the communication with the PLc-linked bank server communicates with the sale price of the bargaining product / service among the payment amounts included in the payment information. In addition to depositing the amount into the financial account of the sales member, support of PLc / sales payment deposit to deposit the amount corresponding to the bargaining participation PLc (%) among the payment amounts included in the payment information into the financial account of the consumer member Disclosed is a PLc accumulation management system comprising a module.

In the present invention, under the communication infrastructure of consumer information devices, sales member information devices, and the like, < consumer members can search for products / services registered by sales members in terms of pension / price terms that are most favorable to them compared to product / service prices. Computation module that can guide>, <Computational module that can guide to freely negotiate the price of goods / services and pensions between consumer and sales members>, <Sales of products / services by sales members When the purchase is decided, a part of the purchase price of the consumer member can be deposited into the financial account of the sales member, and the rest of the purchase price of the consumer member is in the form of a Pension Linked to Consumption (PLc). Since a computerized module that can be deposited / deposited in the consumer account's financial account is systematically provided, consumption is performed under the implementation environment of the present invention. A part of the settlement payment for the original party is the financial account of the consumer member in the form of a cash pension, at the same time as the consumption of the product / service of the corresponding consumer member (i.e., the consumer member fulfills the payment for the product / service). For example, it will go through the process of being credited to a PLc-only account, and eventually, the consumer member will provide an existing promotional service (e.g., earn points, offer coupons, discount prices, one plus one, free bonus products) without a separate pension payment process. Various benefits (e.g., cashable benefits, no extinction prescription), business funds / housing purchase funds / university enrollment funds / child marriage funds benefits, transferable benefits, etc. It is possible to enjoy a wide range of benefits such as loanable benefits, possible consumption analysis, etc., and sales members can also use powerful promotional means of a new concept with high reliability beyond the existing promotional services. Can be held and, furthermore, at the national level, it is possible to effectively enjoy such bias blocking, transparent effects promote economic and social wealth.

1 is an exemplary diagram conceptually showing a detailed configuration of a PLc accumulation management system according to the present invention.
2 to 6, and Figure 8 is an exemplary view conceptually showing the detailed function execution procedure of the PLc accumulation management system according to the present invention.
7 is an exemplary view conceptually showing the accumulation history of PLc accumulated and recorded according to the practice of the present invention.

Hereinafter, the PLc accumulation management system according to the present invention will be described in more detail with reference to the accompanying drawings.

As shown in FIG. 1, the PLc accumulation management system 100 according to the present invention uses the interface module 101, the wired / wireless online network 10, and the like, as a consumer member information device 40, a sales member Operational information storage module 102, product / service search support module 103, price bargaining support module 104 in communication communication with information device 50, PLc linked shopping mall server 20, PLc linked bank server 30, etc. , PLc / sales payment support module 105, consumer member registration support module 106, sales member product / service registration support module 107, product / service exposure rule processing module 108, additional information support module 109 ), Etc., and a closely combined configuration.

In this case, the consumer member information device 40, the sales member information device 50, and the like, a smart phone, a tablet PC, a computer, a laptop, a game machine, a POS system, etc. may vary depending on the situation of the consumer / sales member. Can be selected. In addition, various financial institutions that can be used by consumer / sales members can be comprehensively selected as the aforementioned PLc-linked bank. Furthermore, depending on the situation, the consumer member can also be registered as a sales member, and the sales member can also be registered as a consumer member depending on the situation.

At this time, in the operation information storage module 102 side, in the self-information storage area, various operation information necessary for the PLc accumulation service, for example, registration information of a consumer member, registration information of a sales member, information of the consumer member information device 40 Registration information, registration information of the sales member information device 50, registration information of the PLc linked shopping mall server 20, registration information of the PLc linked bank server 30, product / service information registered by the sales member, and real estate related products / services Tax details corresponding to real estate related products / services, real estate brokerage fee details, consumer account financial account information, consumer member age PLc receipt date setting information, consumer member PLc passbook color setting information, each product / service Reference price information, reference PLc% value, real estate-related information, shopping mall product / service sales price information, each sales member's price bargaining process participation history, each sales member's product / service sales history, Each consumer member's product / service search history, each consumer member's product / service purchase history, each consumer member's product / service consumption trend information, each consumer member's PLc accumulation history, and various web pages (including mobile web pages) By stably storing / managing text / graphic / link / setting information for generation, program source information for progressing the computational routine of each computational module, and source information for forming / maintaining a communication session, a series of according to the present invention The PLc accrual service procedure will be assisted to proceed normally without any problems.

2, under the circumstances where the infrastructure is in place, the sales member product / service registration support module 107 communicates with the sales member information device 50 while the sales member information device 50 is in communication. When a product / service registration request message is transmitted from, it communicates with the operation information storage module 102 or the PLc linked shopping mall server 20 to register sales member information, to open a sales member's financial account, or In addition to proceeding with the opening procedure of the unique number of the sales member, the procedure of registering the product / service described in the product / service registration request message to the operation information storage module 102 or the PLc linked shopping mall server 20 is performed. Is done.

At this time, in the aspect where the product / service registration request message is transmitted from the sales member information device 50, the sales member product / service registration support module 107 sells the product / service described in the product / service registration request message. If the price is higher than the preset reference price (e.g., the average price of the product / service sold in another shopping mall, the selling price of the product / service of the corresponding sales member sold in another shopping mall, etc.), the product / A procedure of refusing to register the service is performed (see FIG. 2).

According to these procedures, registration of products / services of <sales members who want to increase the sales price excessively, conscious of payment of the PLC> can be stably blocked, and in the end, more efficient product / service consumption procedures on the consumer side (Or, the corresponding PLc accrual procedure) can proceed.

In addition, in the aspect where the product / service registration request message is transmitted from the sales member information device 50 at the sales member product / service registration support module 107 side, the% value of the PLc described in the product / service registration request message is If the value is higher than the previously set standard% value, a procedure of rejecting registration of the corresponding product / service is performed (see FIG. 2).

According to this procedure, overheating competition among sales members (ie, overheating competition among sales members who want to over-plc PLc) can be stably blocked, and even in this case, a more efficient product / service consumption procedure on the consumer side (Or, the corresponding PLc accrual procedure) can proceed.

In addition, in the aspect where the product / service registration request message is transmitted from the sales member information device 50 on the sales member product / service registration support module 107 side, the product / service related to the sales member product / service related to real estate In the case of real estate-related institution server 70 (e.g., public institution server, real estate information provider server, etc.), whether it is loaned or not, whether it is redeveloped, certified copy of the register, publicly announced land price, previous sale price, or After acquiring or generating real estate-related information including tax imposition, the acquired / generated real estate-related information is stored in the operation information storage module 102, and the product is retrieved by the product / service search support module 103 described later. / When the service search result page 200 (shown in FIG. 4) is output, the real estate related information can be exposed through the product / service search result page 200 The induction process is performed (see FIG. 2).

For reference, as described above, when the product / service of the sales member is a product / service related to real estate, the corresponding sales member may include, for example, both a property owner and a real estate agent.

In addition, in the aspect where the product / service registration request message is transmitted from the sales member information device 50 at the sales member product / service registration support module 107 side, other shopping mall servers except the PLc linked shopping mall server 20 By communicating with (60) (this communication process may be a real-time communication process), after reading the product / service sales price information of the other shopping mall corresponding to the corresponding sales member, the read other shopping mall product / service sales price information When the product / service search result page 200 is output by the product / service search support module 103, which will be described later, by storing it in the operation information storage module 102, the corresponding product / service sales price information of another shopping mall is exemplified. For example, while taking the form of a link or the like, a procedure for inducing exposure through the product / service search result page 200 is performed (see FIG. 2).

In accordance with these procedures, the consumer member can <consider the advantage of objectively comparing the sales price of products / services in each member's sales department> and <the advantage of being able to select the product / service at the lowest selling price. >, <The advantage that a product / service having a selling price higher than that of other shopping malls may be blocked from being registered at a PLc-connected shopping mall at all> can be effectively enjoyed.

On the other hand, as shown in FIG. 3, when the consumer member registration support module 106 communicates with the consumer member information device 40, when the consumer member registration request message is transmitted from the consumer member information device 40, By communicating with the operating information storage module 102 or the PLc linked bank server 30, the procedure for storing consumer member information, the procedure for opening a consumer account financial account (K1) (for example, a PLc dedicated account), and the consumer member The procedure for establishing a unique number, establishing a procedure for receiving PLc by age of a consumer member, or establishing a passbook color indicating a period for receiving PLc will be performed. In this case, in the passbook T1 corresponding to the consumption member, various colors may be assigned according to the receipt period of the PLc.

Under this infrastructure, as shown in FIG. 4, the product / service search support module 103 side includes a product / service that includes a search keyword from the consumer member information device 40 connected to the PLc linked shopping mall server 20 When a search request message is transmitted, product / service information stored in the operation information storage module 102, the PLc linked shopping mall server 20, etc. is searched for, and product / service information corresponding to the search keyword is extracted, and then extracted Product / service sales price and PLc (%) for each product / service information (where PLc (%) means the percentage of PLc relative to the product / service sales price) (under this situation, the product / service sales price is 10,000 won and PLc (%) is 10%, PLc is assumed to be 1000 won) to calculate the actual payment price of the product / service reflected, and the product / service information is the actual payment price of the low product / service. After generating the product / service search result page 200 having the items 201 listed in the order of having the highest product / service actual payment price from having, the generated product / service search result page 200 is the consumption member The procedure for transmitting to the information device 40 is performed.

Under this situation, the consumer member proceeds to a more efficient product / service consumption procedure (or the corresponding PLc accumulation procedure) while looking at each item 201 listed in order of price information (or in order of pension information) that is advantageous to him. You can do it.

At this time, in the product / service search support module side, the equation [Yn = Xn- (Xn × An (%)]) (where Yn is the actual payment price of the product / service, Xn is the product / service sales price, and An (%) is Xn In comparison, the actual payment price of the product / service is calculated through the calculation of the percentage of PLc), under this situation, for example, if the product / service sales price is 10,000 won and An (%) is 10%. , Product / service actual payment price Yn has a value of 9,000 won according to the calculation of [Yn = 10,000- (10,000 × 10%)].

On the other hand, when the product / service search support module 103 side is a product / service listed on the product / service search result page 200 related to real estate, it communicates with the operation information storage module 102. After extracting the tax details and real estate brokerage fee details corresponding to the corresponding product / service, the process of including the extracted tax details and real estate brokerage fee details in the product / service search result page 200 is performed ( See Figure 4). Of course, even in this case, the consumer member can proceed with a more efficient product / service consumption procedure (or a corresponding PLc accumulation procedure).

At this time, the product / service search result page 200 includes a price bargaining start notification menu, a price bargaining end notification menu, a preferred business operator menu, a price bargaining cart menu, a price bargaining time setting menu, a price bargaining time extension menu, and consumer member information equipment. Various menus 202 such as a nearby offline store notification menu, a sales member call contact notification menu, or a sales member text contact notification menu are additionally provided (see FIG. 4).

Here, on the product / service search support module 103 side, the product / service search result page 200 is output through the consumer member information device 40, on the consumer member side, the sales member call contact notification menu or When a user touches or clicks an image, video, or trade name that forms a text message notification menu (that is, when a series of touch / click event messages are transmitted from the consumer member information device 40), the sales member information device ( After sending the text by 50), after approval of the consultation, the video call, the general call, or the text will guide the contact between the consumer information device 40 and the sales member information device 50.

In addition, the product / service search support module 103 is provided by a consumer member (eg, a consumer member who wants to purchase a product / service immediately, a consumer member who wants to eat out by visiting the store, or a consumer member who wants to deliver). , When touching or clicking <offline store notification menu near consumer information device> (i.e., when a series of touch / click event messages are transmitted from consumer member information device 40), the consumer member information device 40 ) In the order of the distance close to the area in which the sales member operates the process of outputting the information of the offline store (see FIG. 4).

Of course, in each of these cases, the consumer member can proceed with a more efficient product / service consumption procedure (or a corresponding PLc accumulation procedure).

On the other hand, as shown in Figure 5, the price bargaining support module 104, the consumer / information from the consumer information device 40 corresponding to the product / service search result page 200, when the price bargaining request message is transmitted, the In addition to sending a price bargaining start message to the sales member information device 50 side, corresponding to the price bargaining start message from the sales member information device 50 side, the adjusted product / service selling price and the adjusted PLC (%) ( Here, if the adjusted PLc (%) means that the sales member bargain participation message containing the adjusted product / service sales price relative to the adjusted PLc) is transmitted, after receiving the corresponding sales member bargain participation message, the adjustment Calculate the actual payment price of the adjusted product / service that reflects the product / service sales price and the adjusted PLC (%), and the calculated actual payment price of the adjusted product / service from low to high After generating the price bargaining progress page 203 having the listed items 204, a process of transmitting the generated price bargaining progress page 203 to the consumer member information device 40 is performed. In this case, the product / service information of the sales member who has not participated in the price bargaining process is automatically deleted from the price bargaining progress page 203 or expressed in a different color.

Even in this situation, the consumer member looks at each item 203 listed in the order of price information (or in the order of pension information) that is advantageous to him, while more efficient product / service consumption procedures (or corresponding PLc accumulation procedures) are reviewed. It is possible to proceed (see Fig. 5).

At this time, the consumer and sales members select the various price bargaining related menus posted on the product / service search result page 200, the price bargaining progress page 203, etc., to start the price bargaining process, the price bargaining time setting procedure, and the price. It is possible to freely proceed / control the bargaining time extension procedure, the price bargaining termination procedure, the price bargaining participation procedure, the price adjustment procedure, and the final product / service selection procedure.

Here, in the price bargaining support module 104 side, the equation [Ym = Xm- (Xm × Am (%)]) (where Ym is the adjusted product / service actual payment price, Xm is the adjusted product / service sales price, Am ( %) Calculates the actual payment price of the adjusted product / service by calculating the percentage of the adjusted PLc relative to Xm.Even in this situation, for example, the adjusted product / service selling price is 10,000 won, and adjusted When Am (%) is 10%, the adjusted product / service actual payment price Ym has a value of 9,000 won according to the calculation of [Ym = 10,000- (10,000 × 10%)].

For reference, under the price bargaining process through the price bargaining progress page 203, the consumer member may flexibly proceed with shopping for other products / services while waiting for the price bargaining to be completed depending on the situation.

On the other hand, under the progress of the above-described procedure, as shown in Figures 4 and 5, the product / service exposure rule processing module 108 side of the product / service search support module 103 or price bargain support module 104 In the phase in which the product / service search result page 200 or the price bargaining progress page 203 is outputted, communication with the operation information storage module 102 is performed, and each sales member's price bargaining procedure participation history, or After reading the sales history of the product / service of each sales member, when items 201 and 203 representing the product / service information are listed through the product / service search result page 200 or the price bargaining progress page 203, The product / service information corresponding to the sales member who participated in the price bargaining process, or the sales member who has a large number of sales by communicating with the product / service search support module 103 or the price bargaining support module 104 is all Compared to the product / service information it will proceed to induce to be listed in a high rank. Of course, even in this case, the consumer member can proceed to a more efficient product / service consumption procedure (or a corresponding PLc accumulation procedure) while looking at each item 201,203 listed in the order of information favorable to him (FIG. 4). And Figure 5).

On the other hand, under the circumstances in which each of the above-described procedures are performed, as shown in FIG. 6, the PLc / sales payment support module 105 side purchases a product / service purchase decision message including payment information from the consumer member information device 40 When is transmitted, by communicating with the PLc linked bank server 30, the amount corresponding to the sale price of the bargaining product / service among the payment amount (for example, 10,000 won) included in the payment information (for example, 9,000 won) In addition to depositing the financial account (K2) / passbook (T2) of the sales member, as shown in Figure 7, the amount corresponding to the bargaining participation PLc (%) of the payment amount included in the payment information ( For example, a process of depositing 1,000 won into the financial account of the consumer member (K1 / passbook T1) is performed.

Eventually, when the above-described procedure is completed, the consumer member flexibly enjoys the epoch-making effect of accumulating / depositing a cash surplus pension of 1,000 won into his financial account (K1) at the same time as his consumption act of paying 10,000 won. It becomes possible (refer FIG. 7).

At this time, in the phase where the product / service purchase decision message is transmitted from the consumer member information device 40 to the PLc / sales payment support module 105, the payment number corresponding to the product / service purchase transaction of the consumer member (See FIG. 6), and proceeds to record the generated payment number in the financial account (K2) / bookbook (T2) and consumer account financial account (K1) / bookbook (T1) of the sales member. (See FIG. 7).

For example, the payment number recorded in this way is, for example, <foundation data to recognize / confirm the amount of goods / services sold to a sales member>, <recognize / confirm how much was deposited in PLc to a consumer. In addition, it can be used as a basis to facilitate the refund procedure when returning / returning goods / services by consumer members (e.g., issuing refund statements). .

Thus, in the present invention, under the communication infrastructure of the consumer member information device 40, the sales member 50 information device, and the like, <from the consumer member side, the product / service registered by the sales member is most advantageous to the product / service price. Computer modules that can guide you to search by pension / price terms, <Computer modules that can guide you to freely negotiate product / service prices and pension prices between consumer and sales members>, <Consumer members When the purchase member's product / service purchase is determined by, the consumer member's purchase price can be partially deposited into the sales member's financial account (K2), while the consumer member's purchase price is consumed In the form of a pension (PLc: Pension Linked to consumption), a computer module capable of depositing / depositing in the financial account (K1) of the consumer member is provided systematically, and the present invention is provided. Under the current circumstances, a portion of the payment for the consumption member's payment is consumed in the form of a cash pension at the same time as the consumption / consumption of the product / service by the consumer member (i.e., the consumer consumes payment for the product / service). Member's financial account (K1) (e.g., PLc-only account) undergoes the process of accruing, and, consequently, the consumer member, without any additional unnecessary pension procedure, existing promotional services (e.g., point accumulation, coupon offer, price discount) , One Plus One, various benefits (e.g., cashable benefits, no extinction aging benefits) beyond cash-based pension benefits beyond the provision of free bonus products, etc. Business funds / Housing purchase funds / University enrollment funds / Children Marriage fund benefits, transferable benefits, loanable benefits, consumption analysis benefits, etc.) can be widely enjoyed, and sales members also have high reliability beyond the existing promotional services. It is possible to effectively hold strong promotion means of the new concept, and further, at the national level, it is possible to effectively enjoy the effect of blocking the bias of wealth and promoting the transparent economic society.

On the other hand, as shown in FIG. 8, the side of the additional information support module 109 communicates with the product / service search support module 103, the price bargaining support module 104, the PLc / sales payment support module 105, and the like. At the same time, after extracting the consumer's product / service search history, consumer member's product / service purchase history, consumer member's product / service consumption trend information, consumer member's PLc accumulation history, etc., and proceeding through a series of information generation routines, After each of the above information generates additional information represented by letters / numbers / images / tables / graphs, a procedure of transmitting the generated additional information to the consumer member information device 40, sales member information device 50, etc. Will proceed.

Of course, each of the above information (eg, consumer member's product / service search history, consumer member's product / service purchase history, consumer member's product / service consumption trend information, consumer member's PLc accumulation history, etc.) is a letter / number / image. Under the environment in which additional information expressed in / tables / graphs is distributed, for each consumer member and purchase member, for example, <the consumption trend of family members including themselves>, <accumulation status of self pensions>, <self up / It is easy to secure actual purchase status and statistics compared to click / selection of load products / services> and <current purchase trends of products / services>, and to utilize them in various ways according to their needs.

The present invention is not limited to a specific field, and in various fields that require the use of promotional information, exhibits an overall useful effect.

In addition, although specific embodiments of the present invention have been described and illustrated above, it is obvious that the present invention is likely to be implemented in various ways by those skilled in the art.

Such modified embodiments should not be individually understood from the technical spirit or viewpoint of the present invention, and such modified embodiments should be within the scope of the appended claims of the present invention.

10: Wired / wireless online network
20: PLc linked shopping mall server
30: PLc linked bank server
40: consumer information device
50: Sales member information device
60: shopping mall server
70: real estate agency server
100: PLc accumulation management system
101: interface module
102: Operation information storage module
103: Product / service search support module
104: price bargaining support module
105: PLc / sales payment support module
106: Support module for consumer membership registration
107: Sales member product / service registration support module
108: Product / service exposure rule processing module
109: Additional information support module
200: product / service search result page
201: Price bargaining progress page

Claims (16)

Through the wired / wireless online network, it communicates with consumer member information devices, sales member information devices, shopping mall server linked to PLc (Pension Linked to consumption), bank server linked to PLc, and In connection, in the PLc accumulation management system that manages the accumulation process of the PLc,
An operation information storage module for storing operation information including product / service information registered by a sales member;
When a product / service search request message containing a search keyword is transmitted from a consumer member information device connected to the PLc linked shopping mall server, the product / service information is searched for, and product / service information corresponding to the search keyword is extracted. Afterwards, the product / service sales price and PLc (%) for each extracted product / service information and the actual payment of the product / service reflecting PLc (%), where PLc (%) means the percentage occupied by PLc relative to the product / service sales price) After calculating the price and generating the product / service search result page in which the product / service information is listed in order from low product / service actual payment price to high product / service actual payment price, the generated product / A product / service search support module for transmitting a service search result page to the consumer member information device;
When a product / service purchase decision message containing payment information is transmitted from the consumer information device, the communication with the PLc-linked bank server communicates with the sale price of the bargaining product / service among the payment amounts included in the payment information. In addition to depositing the amount into the financial account of the sales member, the amount of payment corresponding to the bargaining participation PLc (%) among the payment amounts included in the payment information is supported to deposit the PLc / sales amount to the financial account of the consumer member PLc accumulation management system characterized in that it comprises a module. According to claim 1, In response to the product / service search result page from the consumer member information device, when a price bargain request message is transmitted, the price bargaining start message is transmitted to the sales member information device, and the sales Corresponding to the price bargaining commencement message from the member information equipment side, the adjusted product / service sales price and adjusted PLC (%) (where adjusted PLc (%) means the percentage of the adjusted PLc compared to the adjusted product / service sales price) If the bargaining bargain participation message is sent, the bargaining price for the bargained product / service and the actual price of the bargaining product / service reflected by the bargaining PLC (%) are calculated after receiving the bargaining bargaining message. , After creating the price adjustment progress page in which the calculated actual payment price of the adjusted product / service is listed in order from low to high, PLc earn management system further comprises a bargain price support module for transmitting the page to the bargaining proceeds Profile consumption devices. The method of claim 1, wherein the product / service search support module side has a mathematical expression [Yn = Xn- (Xn × An (%)] (where Yn is the actual payment price of the product / service, Xn is the product / service sales price, An). (%) Is a percentage of PLc compared to Xn), the PLc accumulation management system characterized in that the actual payment price of the product / service is calculated. 3. The method of claim 2, wherein the price bargaining support module side has the equation [Ym = Xm- (Xm × Am (%)] (where Ym is the actual price of the adjusted product / service, Xm is the price of the adjusted product / service, Am (%) Is calculated by calculating the actual payment price of the adjusted product / service through the calculation of the percentage of the adjusted PLc relative to Xm). The product / service search support module side communicates with the operation information storage module when the product / service listed on the product / service search result page is a product / service related to real estate, and corresponds to the product / service. After extracting the tax details and real estate brokerage fee details, the PLc earning management system, characterized in that the extracted tax details and real estate brokerage fee details are included in the product / service search result page. The product / service search result page has a price bargaining start notification menu, a price bargaining end notification menu, a preferred business operator menu, a price bargaining cart menu, a price bargaining time setting menu, a price bargaining time extension menu, and consumer membership information. PLc accumulation management system, characterized in that the offline store notification menu near the device, sales member call contact notification menu, or sales member text contact notification menu is additionally provided. The product / service search support module side, wherein the product / service search result page is output through the consumer member information device, on the consumer member side, the sales member call contact notification menu or sales member text If you touch or click on an image, video, or trade name that forms a contact notification menu, send a text message to the sales member information device, receive approval for consultation, and then use the video call, general call, or text message to the consumer member information device. In addition to guiding the communication between the sales member information device and the consumer member, when a user clicks or clicks the offline store notification menu near the consumer member information device, the consumer member information device is located in the order of the distance closest to the area where the consumer information device is located. Earn PLc characterized by outputting information of offline stores operated by sales members Li system. According to claim 1, In the phase where the product / service purchase decision message is transmitted from the consumer member information device, the PLc / sales payment support module side generates a payment number corresponding to the product / service purchase transaction of the consumer member. And, the generated payment number is recorded in the financial account of the sales member and the financial account of the consumer member. According to claim 1, Communication with the consumer member information device, and when the consumer member registration request message is transmitted from the consumer member information device, by communicating with the operating information storage module or a PLc linked bank server, the procedure for storing consumer member information The consumer member registration support module that performs the procedure of establishing the financial account of the consumer member, the procedure of opening the unique number of the consumer member, the procedure of setting the date of receipt of the PLc by the age of the consumer member, or the procedure of setting the passbook color indicating the period of receipt of the PLc PLc accumulation management system characterized in that it further comprises. According to claim 1, Communication with the sales member information device, and when a product / service registration request message is transmitted from the sales member information device, communicates with the operation information storage module or a PLc linked shopping mall server to register sales member information. In addition to proceeding with the procedure, the procedure of opening the financial account of the sales member, or the procedure of opening the unique number of the sales member, link the product / service described in the product / service registration request message with the operation information storage module or PLc PLc accumulation management system, characterized in that it further comprises a sales member product / service registration support module that registers with the shopping mall server. 11. The method of claim 10, In the aspect where the product / service registration request message is transmitted from the sales member information device at the sales member product / service registration support module side, the sales price of the product / service described in the product / service registration request message If the price is higher than the previously set reference price, PLc accumulation management system characterized in that the registration of the product / service is rejected. 11. The method of claim 10, wherein the sales member product / service registration support module side, in the aspect where the product / service registration request message is transmitted from the sales member information device, the% value of the PLc described in the product / service registration request message is If the value is higher than the set standard% value, PLc accumulation management system characterized in that the registration of the product / service is rejected. 11. The method of claim 10, In the aspect where the product / service registration request message is transmitted from the sales member information device at the sales member product / service registration support module side, the product / service related to the sales member is a product / service date related to real estate. In the case of real estate-related information, it is acquired / generated after communicating with the real estate-related institution server to obtain or generate information related to the loan, whether it has been redeveloped, the certified copy of the register, the published price details, the previous sale price details, or the tax imposition details in the transaction. When the product / service search result page is output by the product / service search support module by storing the generated real estate related information in the operation information storage module, the real estate related information is displayed through the product / service search result page. PLc accumulation management system characterized by inducing to be exposed. The method of claim 10, wherein the sales member product / service registration support module side communicates with other shopping mall servers except for the PLc linked shopping mall server in a phase in which the product / service registration request message is transmitted from the sales member information device. After reading the sales price information of other shopping mall products / services corresponding to the sales members, the stored sales price information of other shopping mall products / services is stored in the operation information storage module, and the product / service is retrieved by the product / service search support module. When a service search result page is displayed, a PLc accumulation management system characterized by inducing that other shopping mall product / service sales price information is exposed through the product / service search result page. According to claim 1 or 2, In the aspect that the product / service search result page or the price bargaining progress page is output by the product / service search support module or price bargaining support module, in communication with the operation information storage module After reading the sales history of each sales member, or the sales history of each sales member's product / service, when the product / service information is listed on the product / service search result page or the price promotion progress page, By communicating with the product / service search support module or price bargaining support module, product / service information corresponding to a sales member who participated in the price bargaining process or a sales member with a large volume of sales is listed in a higher ranking than other product / service information. PLc accumulation management system characterized in that it further comprises a product / service exposure rule processing module to induce . The product / service search history of a consumer member or a product / service of a consumer member according to claim 1 or 2, while communicating with the product / service search support module, price bargaining support module, or PLc / sales payment support module. An additional information support module that generates additional information including purchase history, consumption trend information of consumer members' products / services, and PLc accumulation history of consumer members, and transmits the generated additional information to consumer information devices or sales member information devices PLc accumulation management system characterized in that it further comprises.

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