KR20200107530A - Goods rental system using financial service and goods rental method using thereof - Google Patents

Abstract

The present invention relates to a goods rental system using a financial service to enable a goods provider to easily rent out goods. According to the present invention, the method comprises the following steps of: (a) inputting a supply condition including a supply price of goods to be rent out or be sold from a goods provider server; (b) inputting a rental condition including a rental period of the goods from a platform provider server or the goods provider server; (c) inputting financial service content for a platform provider from one or more financial institution servers in accordance with the supply condition, the rental condition, and a credit level of the platform provider; (d) allowing the platform provider server to select the financial service content input from the one or more financial institutions and input a rental price; and (e) inputting selection of the rental period and the rental price of the goods from a buyer server to make a rental contract. The buyer server, the financial institution server, and the goods provider server are connected on a network through the platform provider server managing particulars related to a rental contract of the goods, the steps (a) to (e) are performed on the network through the platform provider server, and particulars input from the financial institution server, the goods provider server, and the buyer server are provided to the platform provider server.

Description

A product rental system using financial services and a product rental method using the same {GOODS RENTAL SYSTEM USING FINANCIAL SERVICE AND GOODS RENTAL METHOD USING THEREOF}

The present invention relates to a product rental system using a financial service and a product rental method using the same, and more specifically, to a product rental method and system performed by a rental service provider receiving financial services.

In recent years, it is common to rent and use household appliances such as massage chairs and water purifiers. However, it is somewhat burdensome for general consumers to rent expensive goods, and for this purpose, a method that can be rented in a cheaper way is necessary, and if there are more various rental methods, the opportunity for consumers to choose can be widened.

In particular, if the rental cost is not recovered, it can be a big loss to a rental business operator who purchases an item from a supplier, rents the item to a buyer, and then manages the item after the rental. For this reason, if the rental business does not have sufficient assets, not only cannot the rental business attempt, but also there is a problem that the provision of various product opportunities to the buyer is blocked.

It is an object of the present invention to solve the above and other problems. Another object is to provide a new rental method for goods and a rental system using the same by providing financial services to platform operators.

According to an aspect of the present invention in order to achieve the above or other objects, (a) inputting a supply condition including a supply price of an article to be rented or sold from an article supplier server; (b) inputting a rental condition including a rental period for the product from a platform business server or the product supplier server; (c) inputting financial service content for the platform operator according to the supply condition, rental condition, and credit level of the platform operator from one or more financial institution servers; (d) selecting a financial service content input from the one or more financial institutions from the platform operator server and inputting a rental price; And (e) selecting an item of the rental period and rental price from a buyer server to establish a rental contract, wherein the buyer server, financial institution server, and product supplier server manage matters related to rental of the item. It is connected to a network through a platform operator server, and steps (a) to (e) are performed on a network through the platform operator server, and from the financial institution server, product provider server, and buyer server. An article rental method using a financial service, characterized in that the input information is provided to the platform operator server, may be provided.

According to an aspect of the present invention, a rental contract for the product is made between the platform operator and the purchaser.

According to an aspect of the present invention, management of the product after rental is performed by the platform operator.

According to an aspect of the present invention, a product supplier server for inputting a supply condition including a supply price by a product supplier, and uploading information on a product supplier to become a member of a rental business operated by a platform business operator; A financial institution server for inputting a financial service provided to the platform operator and uploading information of a financial institution to become a member of a rental business operated by the platform operator; A buyer server for selecting and inputting one or more of the list of rental items input by the platform operator, and inputting information related to a buyer to become a member of a rental business operated by the platform operator; And a platform operator server capable of selecting and inputting items input from the product supplier server, financial institution server, and purchaser server or inputting new information, wherein the product supplier server, financial institution server, and buyer server are the platform operator An article rental system may be provided which is connected to a server through a network.

According to an aspect of the present invention, the platform operator server includes: a communication unit configured to communicate with the product provider server, a financial institution server, and a purchaser server; A database (DB) storage unit for transmitting and receiving information from the product supplier server, financial institution server, and purchaser server; A member information management unit that manages member information of a rental business operated by the platform operator; A credit information inquiry unit capable of inquiring the credit of the product supplier and the purchaser in order to determine whether a member is eligible by inquiring the credit of the product supplier or the purchaser; A rental article management unit that stores management details of warehousing and delivery of rental articles, parts replacement, return, exchange, and return; And a rental price calculation unit that calculates the price of the rental product in consideration of the supply price suggested by the product supplier, the financial service provided by the financial institution, and the profit of the platform business operator.

A method and system for renting goods using financial services according to the present invention will be described as follows.

According to at least one of the embodiments of the present invention, there is an effect that a rental business of various items is possible by providing various financial services to platform operators.

According to at least one of the embodiments of the present invention, the platform business operator is provided with financial services from a financial institution on behalf of a product supplier that is financially difficult to conduct a rental business, thereby making it possible to more easily rent the product of the product supplier. There is.

Further scope of applicability of the present invention will become apparent from the detailed description below. However, since various changes and modifications within the spirit and scope of the present invention can be clearly understood by those skilled in the art, specific embodiments such as the detailed description and preferred embodiments of the present invention should be understood as being given by way of example only.

1 is a system configuration diagram of a rental method according to the present invention.
2 is a flowchart of a rental method according to the present invention.
3 is a configuration diagram of a platform operator server related to the present invention.

Hereinafter, embodiments disclosed in the present specification will be described in detail with reference to the accompanying drawings, but the same reference numerals are assigned to the same or similar components regardless of the reference numerals, and redundant descriptions thereof will be omitted. The suffix "unit" for the constituent elements used in the following description is given or used interchangeably in consideration of only the ease of writing the specification, and does not itself have a distinct meaning or role from each other. In addition, in describing the embodiments disclosed in the present specification, when it is determined that detailed descriptions of related known technologies may obscure the subject matter of the embodiments disclosed in the present specification, detailed descriptions thereof will be omitted. In addition, the accompanying drawings are for easy understanding of the embodiments disclosed in the present specification, and the technical idea disclosed in the present specification is not limited by the accompanying drawings, and all changes included in the spirit and scope of the present invention It should be understood to include equivalents or substitutes.

Terms including ordinal numbers, such as first and second, may be used to describe various elements, but the elements are not limited by the terms. These terms are used only for the purpose of distinguishing one component from another component.

Singular expressions include plural expressions unless the context clearly indicates otherwise.

In the present application, terms such as "comprise" or "have" are intended to designate the presence of features, numbers, steps, actions, components, parts, or combinations thereof described in the specification, but one or more other features. It is to be understood that the presence or addition of elements or numbers, steps, actions, components, parts, or combinations thereof, does not preclude in advance.

In one embodiment of the present invention, there is provided a method for rental of goods by a platform operator purchasing a specific item from an item supplier and renting it to a buyer. At this time, a rental method in which a financial institution provides financial services to the platform operator, and It relates to a rental system using this.

More specifically, the platform operator can stably purchase goods from a product supplier by receiving financial service assistance from the financial institution, and rents it to a purchaser, thereby providing part of the rental cost received from the purchaser to the financial institution. At this time, the product supplier is compensated for the price of the product by receiving sales costs from the platform business operator at a time or on a regular basis, and ownership of the rental product lies with the platform business operator.

In an embodiment of the present invention, an article provided with a rental service includes consumables, and the consumables refer to parts that require replacement. For example, items such as a water purifier, an air purifier, a washing machine, a refrigerator, and a bidet may be provided for rental, and a filter that is used for a water purifier or bidet and needs to be replaced regularly may be a consumable item. Management is performed on the items for rental service by the platform operator, and the management of the rental items includes replacement of consumables, cleaning, delivery, installation, and after service (A/S) according to component failure.

FIG. 1 shows a rental system related to the present invention. Referring to FIG. 1, a product supplier server 100, a financial institution server 300, and a purchaser server 400 are provided with a network ( network). The network means that they can communicate with each other through a communication network such as wired/wireless Internet or a dedicated line. In an embodiment of the present invention, since the platform operator server 200 is the center, all procedures are performed centering on the platform operator server 200.

The product supplier server 100 refers to a terminal through which a product supplier can input a supply condition including a supply price, and a product supplier uploads his/her information to become a member of a rental business operated by the platform operator. It means the terminal.

The financial institution server 300 refers to a terminal capable of inputting a financial service provided to the platform operator, and a terminal for uploading its information from a financial institution in order to become a member of a rental business operated by the platform operator. it means. If the platform operator wants to pay by credit card with a long-term installment guarantee, it means a credit card company server, and when paying by a loan method with a long-term installment guarantee, a bank company that has agreed to provide installment financing with the platform operator in advance. , Means a server built by a financial institution such as a credit card company.

The purchaser server 400 refers to a terminal capable of selectively inputting one or more of the list of rental items input by the platform operator, and inputs information related to the purchaser to become a member of the rental business operated by the platform operator. It means a terminal. It also includes a computer terminal equipped with a web browser supporting Internet access, mobile terminals such as mobile phones and PDAs capable of wireless Internet or mobile banking.

In addition, the platform operator server 200 refers to a terminal capable of selecting and inputting items input from the product provider server 100, the financial institution server 300, and the purchaser server 400 or inputting new information. . As shown in FIG. 3, the platform operator server 200 includes a communication unit 210 configured to communicate with the product supplier server 100, the financial institution server 300, and the purchaser server 400, and the product It includes a database (DB) storage unit 240 for transmitting and receiving information from the supplier server 100, the financial institution server 300, and the purchaser server 400. In addition, it includes a member information management unit 220 that manages member information of the rental business operated by the platform operator, wherein the member information management unit 220 includes personal information and/or credit information of the product supplier, financial institution, and purchaser. Includes. The platform operator may also determine whether a member is eligible by inquiring the credit of the product supplier or the purchaser, and for this, the credit of the product supplier and the purchaser must be able to search. To this end, it includes a credit information inquiry unit 230 that can inquire the credit of product suppliers and buyers.

Furthermore, since the management of rental goods in an embodiment of the present invention is performed by a platform operator, the platform operator server 200 includes all management contents such as warehousing and delivery of rental goods, parts replacement, return, exchange, and return. It includes a rental article management unit 250 to be stored.

In addition, the price of the rental product in an embodiment of the present invention is calculated in consideration of the supply price provided by the product supplier, the financial service provided by the financial institution, and the profit of the platform operator. It includes a rental price calculation unit 260 that calculates the price.

The platform operator server 200 may be implemented by a web application, for example, the product provider server 100, the financial institution server 300, and the purchaser server 400 by a rental application. ) And can communicate. That is, the platform can be implemented as an application.

2 is a flowchart of a rental method using a financial service according to an embodiment of the present invention, which will be described below with reference to FIG. 2.

First, in an article rental method using a financial service in an embodiment of the present invention, when a supply condition including a supply price of an article to be rented or sold from the article supplier server 100 is input (S110), the input content is It is transmitted to the platform operator server 200 to input the supply condition of the product supplier to the platform operator server 200. The supply conditions at this time refer to the conditions for supplying goods for sale or rental by the goods supplier to the platform operator. In other words, the product supplier may sell the product to the platform operator to transfer ownership or allow it to be rented for a fixed period.

For the product, a rental condition including a rental period is input from the platform operator server 200 or the article supplier server 100 (S120), and the rental period is determined by a contract between the platform operator and the article supplier. The rental period may vary depending on the content of financial services supported by financial institutions. For example, the financial institution provides a fixed financial service to the platform operator, which may vary depending on the credit level of the platform operator, the price of the rental item, and the rental period, and provides a fixed financial (or interest rate) benefit to the platform operator. You may.

In this case, there may be more than one financial institution, and when a plurality of financial institutions make an offer to provide various financial services, a contract may be concluded by the platform operator approving it.

Contents of financial services for the platform operator are input from one or more financial institution servers 300 according to the credit level of the platform operator (S130). In addition, financial service content for the platform operator may be input (S130) according to the supply condition and rental condition.

For example, when the supply price of the goods supplied by the above goods supplier is 1 million won, the interest rate recognized by financial institutions is 5% (50,000 won) per year, and the profit of the platform operator is 10% (100,000 won) of the supply price. If the product is to be rented for 3 years, the platform operator will receive 1.25 million won (= 1 million won + 100,000 won + 150,000 won) at a time and must repay it to the financial institution over 3 years. In other words, the platform operator can rent 34,722 won (= 1.25 million won/36) monthly. If the platform operator wants to rent for 5 years, the platform operator must repay the total cost of 1.35 million won (= 1 million won + 100,000 won + 250,000 won) to the financial institution, and the buyer will be asked to pay 22,500 won (= 1.35 million won/60). The platform operator has the advantage of widening the range of providing rentals to buyers by varying the rental period and profits of the platform operator. In this case, how and to what extent the platform provider will receive financial services from the financial institution may vary depending on the contract between the platform provider and the financial institution. In other words, it is possible to provide financial services collectively in consideration of the platform operator's credit, regardless of the rental price of the rental item by the platform operator, the rental period, etc.

As described above, in an embodiment of the present invention, the product supplier does not directly rent or rent the product to be sold, but sells or rents the product through the platform operator. In this way, a product supplier, which is financially difficult for a rental business, does not receive direct financial services such as a loan, but instead of a product supplier, a platform operator obtains a loan from a financial institution and purchases the product of the product supplier. In particular, it may be advantageous for an article supplier who wishes to rent a small amount of articles.

In this case, when the product supplier intends to sell a plurality of products, a discount of the product price may be made in a contract with the platform business operator, which is subject to a contract between the product supplier and the platform business operator. However, in any case, the supply price of the product is determined by the product supplier, and the supply amount does not include additional costs incurred after rental. In other words, once the platform operator purchases the product from the product supplier, the product supplier may not be liable for replacement and repair of accessories related to the rental product.

At this time, the rental period of the product may be determined by the platform operator or the product supplier.

Thereafter, when the financial service content and rental price input from the one or more financial institutions are selected from the platform operator server 200 (S140), the item of the rental period and the rental price is selected from the buyer server 400 (S150). ), the rental contract of the product is concluded.

In this case, the steps are performed on a network through the platform operator server 200. Thereby, the information input from the financial institution server 300, the product supplier server 100, and the purchaser server 400 is provided to the platform business server 200, and the platform business operates from a rental product contract to post management. Everything is managed within the platform.

However, the steps S110 to S130 do not necessarily need to be sequentially performed, and any one of the steps may be performed first. If, the supply condition including the supply price of the product to be rented or sold from one or more product provider servers 100 is input (S110), and the supply price of the rental product from one or more financial institution servers 300, and the rental period Accordingly, when the financial service content for the platform business operator is input, the financial service content input from the one or more financial institutions may be selected from the platform business server 200. In this way, financial services are provided from the one or more financial institution servers 300 according to the supply price and rental period of the goods, and a desired financial service may be selected from among financial services provided by a platform operator. In this case, financial services may be provided without considering the credit of the platform operator.

Furthermore, after the financial service content for the platform business is input (S130) according to the credit level of the platform business from one or more financial institution servers 300, the product to be rented or sold from the product provider server 100 is supplied. A supply condition including a price may be input (S100), and a rental condition including a rental period may be input from the platform operator server 200 or the product supplier server 100 for the product (S20).

The platform operator server 200 manages product suppliers, financial institutions, and purchasers in total. More specifically, when the product supplier presents the price of the item to be rented or sold, and inputs the item to be rented or sold, and the desired supply price through the product supplier server 100, the platform operator purchases the desired product. . At this time, the platform operator's purchase of goods may be purchased at a time, paying all costs at a time, or may be purchased at a rental cost generated from regular rentals, which may vary depending on the contract between the product supplier and the platform operator. have. In addition, the product supplier must be a member already registered in the platform business server 200, and must satisfy a predetermined condition in order to be registered as a member of the platform business server 200. This is the same in the case of the financial institution, so in order to input information related to financial services to the platform operator server 200, it must be a financial institution registered as a member.

The platform operator provides compensation for financial service support to the financial institution in the form of a loan. To this end, the financial institution sets and inputs the financial service content and rental price for the platform operator according to the supply price of the product, the rental period, and the credit level of the platform operator. If the platform operator has good credit, the platform operator may receive a loan at a lower interest rate, and if the platform operator has poor credit, the platform operator may receive a loan at a higher interest rate. For example, if the platform operator's credit rating is 3 or higher and the credit is good, the loan can be executed by lowering the loan interest rate, and if the platform operator's credit rating is lower than the 4th grade, the loan rate is higher and You can do it. The financial institution may check with the credit information company in real time whether the platform operator information input from the platform operator is correct.

At this time, the financial services (loan amount, loan period, loan interest rate, etc.) supported by the financial institution are for the purpose of paying the cost to the product supplier, and may vary according to the details of the contract between the financial institution and the platform operator. At this time, platform business information and/or product supplier information may be provided to the credit information company to inquire the credit rating of the product supplier.

For credit inquiry of the platform operator, information on the credit of the platform operator may already be provided to the financial institutions. The platform operator inputs a rental amount including the item to be rented, the rental period, the sales cost, and the platform operator's profits in the platform operator server 200, and the financial institution server 300 enters one or two for the item. The above financial services can be provided. At this time, a number of financial institutions provide financial services competitively, and the platform operator selects a financial service desired by them from among the contents of a plurality of financial services.

When the selection of financial services is made, the platform business enters the product for which the rental period and rental cost are determined into the platform business server 200, and the purchaser selects the rental period and rental cost of the desired product. Will come true.

At this time, the rental contract of the article is made between the platform operator and the purchaser, and management after the rental of the article is made by the platform operator.

The above detailed description should not be construed as restrictive in all respects and should be considered as illustrative. The scope of the present invention should be determined by reasonable interpretation of the appended claims, and all changes within the equivalent scope of the present invention are included in the scope of the present invention.

100: product supplier server, 200: platform operator server, 300: financial institution server, 400: buyer server

Claims (5)

(a) inputting a supply condition including a supply price of an article to be rented or sold from an article supplier server;
(b) inputting a rental condition including a rental period for the product from a platform business server or the product supplier server;
(c) inputting financial service content for the platform business operator according to the credit level of the platform business operator from one or more financial institution servers;
(d) selecting a financial service content input from the one or more financial institutions from the platform operator server and inputting a rental price; And
(e) including the step of establishing a rental contract by selectively inputting the items of the rental period and rental price from the purchaser server,
The purchaser server, financial institution server, and product supplier server are connected to a network through a platform operator server that manages matters related to rental of the item, and steps (a) to (e) include the platform operator server. Through the network,
Item rental method using a financial service, characterized in that information input from the financial institution server, the product supplier server, and the purchaser server is provided to the platform operator server. The method of claim 1,
The article rental method using a financial service, characterized in that the product rental contract is made between the platform operator and the purchaser. The method of claim 1,
The product rental method using a financial service, characterized in that the management after the product rental is performed by the platform operator. A product supplier server for inputting a supply condition including a supply price by a product supplier, and uploading information on a product supplier to become a member of a rental business operated by a platform business operator;
A financial institution server for inputting a financial service provided to the platform operator and uploading information of a financial institution to become a member of a rental business operated by the platform operator;
A buyer server for selecting and inputting one or more of the list of rental items input by the platform operator, and inputting information related to a buyer to become a member of a rental business operated by the platform operator; And
Including a platform operator server for selecting and inputting items input from the product supplier server, a financial institution server, and a purchaser server, or inputting new information,
The product provider server, the financial institution server, and the purchaser server are connected to the platform operator server through a network. The method of claim 4,
The platform operator server,
A communication unit configured to communicate with the product supplier server, financial institution server, and purchaser server;
A database (DB) storage unit for transmitting and receiving information from the product supplier server, financial institution server, and purchaser server;
A member information management unit that manages member information of a rental business operated by the platform operator;
A credit information inquiry unit capable of inquiring the credit of the product supplier and the purchaser in order to determine whether a member is eligible by inquiring the credit of the product supplier or the purchaser;
A rental article management unit that stores management details of warehousing and delivery of rental articles, parts replacement, return, exchange, and return; And
And a rental price calculation unit that calculates a price of the rental product in consideration of a supply price suggested by the product supplier, a financial service provided by a financial institution, and a profit of a platform business operator.

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