KR20200118535A - System and Method of Lease Sales Operation of Pre-paid Consumers using Assets Fund - Google Patents

Abstract

The present invention relates to a system and a method for selling and managing, in a lease manner, products with a prepaid consumer price discount structure by using real asset funds. The system comprises: a fund management center server for managing overall funds created by investing its own funds and/or raising funds from external organizations; a manufacturer management server for managing manufacturers that produce and sell target products to be purchased through the funds created in the fund management center server; a management institution server which sells the products produced by the manufacturers through the operating funds managed by the fund management center server and the fund amount raised for the products produced by the manufacturer management server, previously determines a product purchase amount through consultations with the manufacturers and makes a contract at an amount for which the discount rate is determined, and makes a contract with consumers and sells the products thereto in a lease manner after collectively paying an amount of money for the contracted products to the manufacturers; and a customer terminal for making a contract and paying the amount corresponding to the contract in order to make the contract for sales products to be sold by the management institution server. Therefore, the consumers′ burdens can be reduced.

Description

System and Method of Lease Sales Operation of Pre-paid Consumers Using Assets Fund {System and Method of Lease Sales Operation of Pre-paid Consumers Using Assets Fund}

The present invention relates to a system and method for operating a lease sales with a discount structure by a prepaid consumer using a real asset fund. More specifically, the product is sold by supplying it to consumers at a discounted product price agreed with the manufacturer through mass purchase. The present invention relates to a system and method for operating lease sales with a prepaid consumer discount structure using real asset funds.

Due to the rapidly changing industry growth, the creation of new industries, jobs, and services are now undergoing an era of transformation, and the era of industrial paradigms has arrived. Changes are taking place not only in specific industries, but across all industries, and existing markets are rapidly declining. Finance, healthcare, IT, automotive, environmental automation, artificial intelligence, smart systems, etc. Now humanity is creating a digital revolution.

A lot of time and cost investment is made in the process of producing a product and delivering it to consumers, and marketing and financial costs, non-labor loss costs, etc. are incurred. The cost of the company incurred here is made up of a cost structure in which a significant portion of the cost is borne by the consumer, which inevitably increases the consumer price.

KR 10-1065425 KR 10-2005-0033732 KR 10-2004-0095514 KR 10-2017-0038412

Therefore, in order to supply discount-type products to consumers, the present invention executes a pre-purchase contract with a product manufacturer at a significantly discounted price condition through a fund established in advance, and then supplies the product in a lease manner to pre-reserved buyers. The purpose is to provide a lease-based product sales operation model that utilizes a real asset fund that supplies products to reduce consumer burden.

In addition, the lease sales operation system using the real asset fund according to the present invention applies a method of providing additional leases for secondary and tertiary target products by utilizing the wallace cost incurred before repayment of the fund funds. There is an advantage of providing a derivative lease sales model that can be supplied.

In order to achieve the above object, the present invention provides a fund management central server that comprehensively manages fund funds created by investing in own funds or/and raising funds from external organizations, and the fund funds created in the fund management central server. Produced by the manufacturer through a manufacturer operation server that manages a manufacturer that produces and sells the target product to be purchased through, an operating fund managed by the fund operation central server, and a fund created for the product produced by the manufacturer operation server. The product is sold, but the purchase quantity of the product is determined in advance through consultation with the manufacturer, and the discount rate is determined in advance, and the payment amount for the contracted product is paid collectively to the manufacturer, and then the payment is made to the consumer in a lease method. It is configured to include a management institution server for contracting and selling production products, and a customer terminal that executes a contract and pays an amount corresponding to the contract in order to contract sales products sold by the management institution server.

In addition, the lease sales operation system further includes an additional service operating institution that operates an additional service to provide additional services for the product produced by the manufacturer sold through the management institution server.

In addition, the lease sales operation system is configured to further include a subsidy operation server that processes government subsidy work when a government subsidy policy is provided for products produced through the manufacturer.

In addition, the management institution server receives a contract from a customer in advance for a product to be sold through the consumer terminal, and places an order for a product quantity corresponding to the contracted sales quantity to the manufacturer server.

In addition, the management institution server pays the fund funds to the fund operation central server after the end of the contract period of the product sold in the lease method from the consumer.

In addition, the fund operation central server includes a server for a private financial institution that manages private funds raised by a private institution as fund funds, a server for a state-run financial institution that manages national funds raised by a state-run financial institution as fund funds, and It is composed of an investment institution server that manages fund-raising funds raised by foreign investment institutions.

In addition, the management institution server receives and deposits monthly payments for the products sold from the customer, and repays the total amount deposited after the lease contract expires to the fund operation central server.

In addition, raising funds for fund operation; Confirming the purchase demand of the consumer in advance and receiving a purchase request; A step of signing a contract for the production quantity of a product for which a consumer has determined a discount rate from a product manufacturer and paying the cost with the fund fund; Contracting with a consumer through a lease contract method with a purchasing consumer for a product contracted through a manufacturer, receiving a down payment, and supplying the product; Receiving a monthly lease payment from the contracted consumer for the contracted period and recovering the remaining price at the end of the lease contract; And repaying the fund principal after expiration of the fund operation period.

In addition, the performing of a lease contract for a new product using the monthly lease fee may include: checking demand for other products from consumers under the lease contract and receiving a purchase request; Determining a discount rate from another product manufacturer, signing a contract for the production quantity, and paying the cost with the paid lease; Contracting with a consumer through a lease contract method with a purchasing consumer for other products contracted through a manufacturer to receive a down payment and supply other products; Receiving a monthly lease payment from the contracted consumer for the contracted period and recovering the remaining price at the end of the lease contract; And repaying the fund principal after expiration of the fund operation period.

The present invention constituted and operated as described above has the advantage of greatly reducing the consumer burden and contributing to the stability of the national economy because the target product can be supplied to consumers by applying a large discount rate in advance through fund formation.

In addition, the present invention has the advantage of being able to purchase a product without a large burden in terms of product purchase through a sales model contracted through a lease method.

In addition, the present invention has the advantage of securing overall management stability of the manufacturer, which can secure smoothness of funds, because it is possible to contract a mass purchase from the product manufacturer's side and receive payment in advance.

1 is an overall configuration diagram of a lease sales operation system with a prepaid consumer price discount structure using a real asset fund according to the present invention;
2 is a block diagram showing the operation flow of a lease sales operation system with a prepaid consumer discount structure using a real asset fund according to the present invention;
3 is a detailed explanatory diagram of a lease sales operation system of a prepaid consumer price discount structure using a real asset fund according to the present invention;
4 is a detailed flowchart of a lease sales operation system of a prepaid consumer price discount structure using a real asset fund according to the present invention;
5 is a flow chart of a method for operating a lease sales with a prepaid consumer price discount structure using a real asset fund according to the present invention;
6 is a flow chart showing another example of a method of operating lease sales with a prepaid consumer discount structure using a real asset fund according to the present invention.

Hereinafter, a system and method for operating a lease sales with a discount structure by a prepaid consumer using a real asset fund according to the present invention will be described in detail with reference to the accompanying drawings.

The system and method of operating a lease sales with a prepaid consumer discount structure using a real asset fund according to the present invention is a fund operation central server that comprehensively manages fund funds created by investing in own funds or/and raising funds from external organizations. , A manufacturer operation server that manages a manufacturer that produces and sells the target product to be purchased through the fund fund established in the fund operation central server, the operating funds managed by the fund operation central server and production produced by the manufacturer operation server The product is sold by the manufacturer through the fund amount created for the product, but the purchase amount of the product is determined in advance through consultation with the manufacturer, and the discount rate is determined, and the payment amount is paid for the contracted product. A customer terminal that executes a contract and pays the amount corresponding to the contract in order to contract and sell the product to consumers through a lease method and the product sold by the management agency server after collective payment to the manufacturer Consists of including.

The lease sales operation system of a prepaid consumer discount structure using a real asset fund according to the present invention creates a large-scale fund for the operation of a real asset fund, and a high discount rate under consultation with a company that produces products in advance through the fund fund. It has a structure in which the product is supplied by determining the applied supply price and paying the cost as much as the production quantity in advance, and the product with the discount rate applied is contracted for the contracted period as a lease method to consumers who have previously contracted it, and the contract period The main technical point is that it consists of a process of repaying the fund principal to the fund-raising institution upon termination.

1 is an overall configuration diagram of a lease sales operation system with a prepaid consumer price discount structure using a real asset fund according to the present invention.

The operating system according to the present invention includes a fund operation central server 100 that creates a fund operation fund, and a management institution server 200 that generally manages sales and management of lease target products using the fund operation fund, A manufacturer server 300 for producing the lease target product and signing a product supply contract with the management institution server, and for a consumer wishing to purchase a product sold through fund operation to proceed with purchase procedures such as contracts and payments. It is configured to include a consumer terminal 400.

Referring to FIG. 1, an operation system is largely composed of a fund operation central server 100, a management institution server 200, a manufacturer server 300, and a consumer terminal 400, first of all, the fund operation central server 100 Corresponds to a central institution that creates and executes fund funds corresponding to real asset funds for implementing the operating system according to the present invention. In order to create large-scale fund funds (ex. 1 trillion ~ 10 trillion won), government-run financial institutions (Bank of Korea, Korea Development Bank, etc.), large corporations (funding companies for investment), financial institutions, investment institutions (fund investors), etc. It is an institution that creates and issues funds for the first time by raising large fund funds.

The operating model using the real asset fund of the present invention uses the established fund fund to purchase a large amount of products with a large discount rate applied in advance, and then supplies the product with the discount rate applied to the consumers, so that consumers can purchase without burden. It corresponds to a business model implemented at the national level.

Therefore, the fund management central server 100 corresponds to the entity of a fund operating institution that manages the created funds as a system, and can be a state sole operating or joint operating entity, if necessary, and to be operated as a private single entity. It is a key entity for fund raising such as possible.

The fund funds raised by the fund operating institution are executed and operated by the management institution server 200 to finally repay the fund funds. In the present invention, the fund fund is managed so that a specific product can be sold to consumers at a consumer price applied with a high discount rate according to a previously negotiated condition prior to delivering a specific product to the consumer.

The management institution server 200 may correspond to an operating company operating a fund fund executed by a fund operating institution. The fund principal, including post-sales fees, is repaid at maturity by optimizing the product sales structure using the funds invested here.

The management institution server 200 performs a contract in advance by applying a supply price discount rate according to a large order through prior consultation with a manufacturer producing a product to be supplied to a consumer. This is a contract between the management agency and the manufacturer to determine the order amount according to the discount rate and use the fund fund to make a lump sum payment, so that a contract is made at the supply price applied with a discount rate of 50 to 70% or more, and the fund fund secured from the fund operating institution. Payment is made under the condition of post-payment of a lump sum or small balance through

Accordingly, the manufacturer signs a product contract according to the supply price to which the discount rate is applied, and then receives the payment amount and performs production and supply. At this time, overall matters related to the contract are proceeded through the manufacturer server 300.

As described above, the management institution server 200 sells and manages the product through the supply price applied with a discount rate made as a pre-payment condition for the target product by using the fund fund raised through the fund operating institution, according to the present invention. In a preferred embodiment, the sales structure is conducted in a lease sales method corresponding to the installment finance business. In addition, in the existing simple lease sales, the discount rate is not reflected at all, and the structure in which interest is borne is provided to consumers, and lease sales are conducted on the condition that payments are made in installments during the contract period.

However, the present invention is a product manufacturer that pre-purchases the supply quantity so that the production quantity can be predicted in advance, and makes a large joint purchase, and pays the payment amount in advance to the funded fund. A mass purchase contract is concluded at.

The management agency applies a high discount rate to the supply price (specified as the price supplied to the consumer price in the present invention) according to the advance reservation purchase, mass joint purchase, and advance payment, and the management agency provides the product to the consumer. Pre-contract to sell.

As mentioned above, the management agency sells the products produced to the manufacturers by lease to consumers who have entered into a pre-contract. In terms of the lease method, the management institution server (the management institution server) is to receive a deposit and receive monthly monthly payment for the contracted period, and at the end of the lease contract, the consumer can choose to retain or return the product in use. 200) and the consumer terminal 400 are used to process all business related to the purchase of the product, such as advance reservation, purchase, and contract agreement.

2 is a block diagram showing the operation flow of a lease sales operation system of a prepaid consumer discount structure using a real asset fund according to the present invention. Fund funds raised by a fund operating institution are received and operated by a management institution, and the management institution proceeds with a contract for product supply with a product manufacturer and then proceeds with the amount for the contract in advance.

In the "prepaid type" according to the present invention, in the process of supplying the product to the consumer, the manufacturer determines a discount price for mass purchase, and the manufacturer can produce according to the contract quantity without production risk by the corresponding quantity. Etc.) in advance, refers to the condition of all payment (or payment of 70% or more) in advance.

In this case, the present invention may further include a government subsidy operation server 500, which is additionally configured when an electric vehicle is used for a lease target product group through fund management. The electric vehicle supply project is a business model that can be carried out at the national level, and a government subsidy payment project is operated according to the electric vehicle supply. In terms of national development, subsidies are being operated to improve the environment by revitalizing the supply, and to promote dissemination, a policy to support subsidies when purchasing electric vehicles is being operated.

Accordingly, the government subsidy operation server 500 supports subsidy according to the purchased vehicle when the consumer enters personal information according to the subsidy support policy and related information when a consumer purchases a corresponding electric vehicle. The government subsidy operation server 500 is limited to a specific field that can be supported by the central government or local government, such as an electric vehicle supply business, to achieve its function, and in the present invention, the government subsidy operation server ( 500) To show one embodiment configured.

The government subsidy operation server 500 may be configured or omitted according to the characteristics of the lease operation model, and may be configured according to the operation characteristics in which the subsidies of the central government, local governments, and public institutions are provided.

Regarding the product supply model negotiated by the manufacturer and the management institution, the consumer terminal 400 makes a purchase decision and payment accordingly by accessing the management institution operation server 200 through the terminal by a consumer who desires to purchase the product. do. In the model operated by the lease sales method, payment is performed by confirming the details of each item, such as the conclusion of the contract period and the monthly lease fee, along with the advance down payment payment, and final approval.

3 is a detailed explanatory diagram of a lease sales operation system of a prepaid consumer price discount structure using a real asset fund according to the present invention.

In order to raise a large-scale fund fund, a model is shown in which not only a single institution but also a number of financial institutions each invest to raise fund funds. The fund management central server 100 executes a corresponding fund management investment contract for investment funds from the private financial institution server 110, the government-run financial institution server 120, and other investment institution servers, and manages the investment amount for each institution. can do. In this model, when the final fund principal is recovered, the principal management fee is repaid by the relevant institution. In other words, it corresponds to an investment model that can generate fee income after the expiration of the management period for fund investment by institution, and as mentioned above, in the case of policy projects, the government invests and manages fund funds from state-run financial institutions.

4 is a detailed flowchart of a lease sales operation system of a prepaid consumer price discount structure using a real asset fund according to the present invention. Figure 4 shows the overall flow, the step of creating funds for fund operation (S100), the step of signing a contract for the production quantity of the product for which the consumer has determined a discount rate from the product manufacturer, and paying the cost with the fund fund (S200) ), contracting with the consumer through a lease contract method with the purchasing consumer for the product contracted through the manufacturer, receiving a down payment, and supplying the product (S600), receiving monthly lease payments from the contracted consumer for the contract period (S700) , And repaying the fund principal after expiration of the fund operation period (S800).

Here, in the case of steps S300 to S500, a'fund reincorporation' structure can be proposed in which a purchase is pre-contracted and the entire down payment generated there is incorporated into the fund fund. These consumer down payments can be operated selectively, and whether or not to be executed in advance can be selected according to the range of fund funds.

5 is a flow chart of a method for operating a lease sales with a prepaid consumer price discount structure using a real asset fund according to the present invention, and FIG. 6 is a flowchart of a method for operating a lease sales with a prepaid consumer discount structure using a real asset fund according to the present invention. It is a flow chart showing another example.

5 and 6 are models that implement the prepaid consumer discounted lease sales operation method using the above-described real asset fund in multiple ways, and the second lease-supply type through the monthly fee operated before the fund principal repayment maturity. It is a method of proposing a product model and supplying it to the corresponding consumer. Referring to FIG. 5, the lease operation for the'B product' is performed using the monthly collected monthly payment for supplying one product line (product A) through the operation method according to the present invention.

The lease management of product B is operated in the same operating method, and a second sales model is formed by signing an agreement with the consumer for the product to which the supply price discount is applied and then selling it in a lease method during the agreement period. Likewise, it proposes a structure in which the consumer price is significantly discounted in advance as the supply price concluded through the supply contract is prepaid to the manufacturer, and a method of lease supply of product B to the consumer is proposed.

The multiple structure of the lease sales operation system proposed in the present invention is to propose an additional profit model using liquid cash assets within the fund repayment expiration period (ex. 5 years), and the secondary operation model is the primary lease operation model Can be operated based on Because, in the case of lease sales, it is based on the first lease model for financial guarantees (principal guarantee, etc.) of the operating company in case of risks such as delay in payment or termination of the contract due to securing financial reliability. For example, if the primary supply model is a product model that can secure rights such as an electric vehicle, the secondary model is supplied by securing administrative safety measures such as mortgage setting and then supplying the secondary model based on the primary model. In addition, there is an advantage of securing the stability of the lease operation by reducing the risk.

The present invention constituted in this way is provided to the consumer price through the discounted consumer price by determining the discount rate by determining the pre-purchase amount through consultation with the manufacturer that produces the product to be sold after raising the fund fund through the fund creation. This is a product supply method that utilizes a fund creation that can supply products with the advantage of economic promotion that can greatly reduce the burden on consumers and revitalization of production products.

In the above, although it has been described and illustrated in connection with a preferred embodiment for illustrating the principle of the present invention, the present invention is not limited to the configuration and operation as shown and described as such. Rather, it will be well understood by those skilled in the art that many changes and modifications may be made to the present invention without departing from the spirit and scope of the appended claims. Accordingly, all such appropriate changes and modifications and equivalents should be considered to be within the scope of the present invention.

100: Fund operation central server
110: private financial institution server
120: State-run financial institution server
130: investment institution server
200: Management institution server
300: manufacturer server
400: consumer terminal
500: Government subsidy operation server
600: Additional service operating institution server
700: second manufacturer server

Claims (10)

Fund operation central server that comprehensively manages fund funds created by investing in own funds or/and raising funds from external organizations;
A manufacturer operation server that manages a manufacturer that produces and sells a target product to be purchased through the fund fund established in the fund operation central server;
The product produced by the manufacturer is sold through the operating funds managed by the fund operation central server and the fund amount created for the product produced by the manufacturer operation server, and the purchase quantity of the product produced through consultation with the manufacturer is determined. A management institution server for signing a contract with an amount determined in advance and for which a discount rate is determined, paying the contracted product in a lump sum to the manufacturer, and then contracting and selling the produced product to a consumer in a lease method; And
A customer terminal that executes a contract and pays an amount corresponding to the contract in order to contract sales products sold in the management institution server; The method of claim 1, wherein the lease sales operation system,
A prepaid consumer discount structure using a real asset fund further comprising an additional service operating institution that operates additional services for providing additional services for the product produced by the manufacturer sold through the management institution server Lease sales operation system. The method of claim 1, wherein the lease sales operation system,
When a government subsidy policy is established for the product produced through the manufacturer, a lease sales operation system of a prepaid consumer discount structure using a real asset fund further comprising a subsidy operation server that processes government subsidy business. The method of claim 1, wherein the management institution server,
Lease sales of a prepaid consumer using a real asset fund, characterized in that the product for sale is contracted from the customer in advance through the consumer terminal, and the product quantity corresponding to the contracted sale quantity is ordered to the manufacturer's server. Operating system. The method of claim 1, wherein the management institution server,
A lease sales operation system with a prepaid consumer discount structure using a real asset fund that pays fund funds to the fund management central server after the contract period of the product sold by the consumer on a lease method ends. The method of claim 1, wherein the fund operation central server,
A private financial institution server that manages private funds raised by private institutions as fund funds,
A server of a state-run financial institution that manages the state-run funds raised by the state-run financial institutions as fund funds;
A lease sales operation system with a prepaid consumer discount structure using real asset funds, including an investment institution server that manages fund-raising funds raised by other investment institutions. The method of claim 1 or 4, wherein the management institution server,
A prepaid consumer using a real asset fund that receives monthly payment from the customer and deposits it during the fund operation period, and repays the amount including the fund amount and interest rate invested after the lease contract expires to the fund operation central server Lease sales operation system with discount structure. The method of claim 1 or 4, wherein the management institution server,
A real asset fund that enters into a supply contract applied with a discount rate according to a pre-contract with a manufacturer of other products other than the product produced by the above manufacturer with the operating money corresponding to monthly monthly lease payments, and operates so that the other products are supplied to consumers in a lease method. A lease sales operation system with a prepaid consumer price discount structure using Raising funds for fund operation;
A step of signing a contract for the production quantity of a product for which a consumer has determined a discount rate from a product manufacturer and paying the cost with the fund fund;
Contracting with a consumer through a lease contract method with a purchasing consumer for a product contracted through a manufacturer, receiving a down payment, and supplying the product;
Receiving a monthly lease payment for a contract period from a contracted consumer; And
Repaying the fund principal after the expiration of the fund operation period; a lease sales operation system of a prepaid consumer discount structure using a real asset fund comprising a. The method of claim 9, wherein the step of receiving the monthly lease payment,
Creating a new fund using the monthly lease fee;
Determining a discount rate from another product manufacturer, signing a contract for production quantity, and paying the cost with the new fund fund;
Contracting with a consumer through a lease contract method with a purchasing consumer for other products contracted through a manufacturer to receive a down payment and supply other products;
Receiving a monthly lease payment for a contract period from a contracted consumer; And
Repaying the fund principal after the expiration of the fund operation period; a lease sales operation system of a prepaid consumer discount structure using a real asset fund that supplies new products in a lease method through the creation of a new fund consisting of steps including.

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