KR20210026355A - Method and server for providing product in advance by using financial product as security - Google Patents

Abstract

A method for providing a product in advance through collateral based on a financial product performed by a server for providing a product comprises the steps of: receiving subscription information of a first user to a first financial product from a financial server; providing virtual money corresponding to at least a portion of an amount to be paid by the first user due to the first financial product to a terminal of the first user; and receiving remittance information indicating that the amount of money for the product corresponding to the virtual money has been remitted to an account corresponding to the product providing server from the financial server. The virtual money is used for payment of the product provided in advance by the product providing server. The amount of money for the product may be generated from an investment in the second financial product.

Description

Method and server for pre-providing products through financial product-based collateral {METHOD AND SERVER FOR PROVIDING PRODUCT IN ADVANCE BY USING FINANCIAL PRODUCT AS SECURITY}

The present invention relates to a method and a server for pre-providing a product through a financial product-based collateral.

In general, a user purchases a product by paying a lump sum or installment payment for the product he/she intends to purchase.

Of these, interest-free installment service is mainly provided in large Internet shopping malls, and since small Internet shopping malls cannot directly make transactions with card companies or banks, it is difficult to arbitrarily adopt an interest-free installment method.

In addition, even if a large Internet shopping mall provides an interest-free installment service, since the interest-free installment period is limited to about 3-6 months, users who want longer installment payments have no choice but to purchase products at high interest.

On the other hand, in the existing commerce market, prices for the same product vary according to the seller, so the user directly accesses the sales website of the corresponding product, and the product price and purchase conditions (e.g., installment conditions, refund conditions) Etc.), searched for information, and had to purchase the product.

Korean Patent Application Publication No. 2003-0074548 (published on September 19, 2003)

The present invention is to solve the above-described problems of the prior art, by providing virtual money to the terminal of the first user as collateral with the first financial product subscribed by the first user, so that the first user can purchase the product using the virtual money. We want to provide a way to make a pre-purchase.

In addition, the present invention is to receive a product price corresponding to virtual money from a financial server as an investment by a second financial product, and to purchase a product pre-purchased by a first user with the received product price through a vendor. However, the technical problem to be achieved by the present embodiment is not limited to the technical problems as described above, and other technical problems may exist.

As a technical means for achieving the above-described technical problem, a product providing method for pre-providing a product through a financial product-based collateral performed by the product providing server according to the first aspect of the present invention is Receiving subscription information to the first financial product; Providing virtual money corresponding to at least a portion of an amount to be paid by the first user due to the first financial product to the terminal of the first user; And receiving remittance information indicating that the product price corresponding to the virtual money has been transferred from the financial server to an account corresponding to the product providing server, wherein the virtual money is It is used for payment, and the product price may be generated from investments in the second financial product.

According to a second aspect of the present invention, a product providing server for pre-providing a product through a financial product-based collateral comprises: a subscription information receiving unit for receiving subscription information to a first financial product of a first user from the financial server; A virtual money providing unit that provides virtual money corresponding to at least a portion of an amount to be paid by the first user due to the first financial product to the terminal of the first user; And a remittance information receiving unit for receiving remittance information indicating that the product price corresponding to the virtual money has been transferred from the financial server to an account corresponding to the product providing server, wherein the virtual money is pre-provided from the product providing server. It is used for payment of a product, and the product price may be generated from an investment in a second financial product.

According to the third aspect of the present invention, a product providing method for pre-providing a product through a financial product-based collateral performed by a financial server is a first subscription for subscription to a first financial product by a first user from a first terminal. Receiving information and performing a subscription procedure for the first user to the first financial product; Transmitting at least one of the first subscription information of the first user to a product providing server; Receiving second subscription information for subscribing to a second financial product by a second user from a second terminal and performing a subscription procedure for the second user to the second financial product; And remittance information indicating that the product price corresponding to virtual money corresponding to at least part of the amount to be paid by the first user due to the first financial product has been transferred to an account corresponding to the product providing server. The virtual money is transmitted to the terminal of the first user by the product providing server, and the virtual money is used for payment of a product pre-provided by the product providing server, and the product The price may be generated from investments in the second financial product.

The above-described problem solving means are merely exemplary and should not be construed as limiting the present invention. In addition to the above-described exemplary embodiments, there may be additional embodiments described in the drawings and detailed description of the invention.

According to any one of the above-described problem solving means of the present invention, the present invention provides virtual money to the terminal of the first user as collateral with the first financial product subscribed by the first user, so that the first user uses the virtual money. It can provide a way to pre-purchase products.

In addition, according to the present invention, a product price corresponding to virtual money is provided from a financial server as an investment by a second financial product, and a product previously purchased by the first user can be purchased through a vendor using the received product price.

Through this, the present invention can provide the same effect as the existing interest-free installment system because the first user can pre-purchase the product with monthly payments due to the first financial product.

1 is a block diagram of a system for pre-providing products through collateral based on financial products according to an embodiment of the present invention.
2 is a block diagram of a product providing server shown in FIG. 1 according to an embodiment of the present invention.
3A to 3B are diagrams for explaining a method of pre-providing a product through collateral based on a financial product according to an embodiment of the present invention.
4 is a flowchart illustrating a method of pre-providing a product through a financial product-based collateral performed by a product providing server according to an embodiment of the present invention.
5 is a flowchart illustrating a method of pre-providing a product through a financial product-based collateral performed by a financial server according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those of ordinary skill in the art can easily implement the present invention. However, the present invention may be implemented in various different forms and is not limited to the embodiments described herein. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification, when a part is said to be "connected" with another part, this includes not only "directly connected" but also "electrically connected" with another element interposed therebetween. . In addition, when a part "includes" a certain component, it means that other components may be further included rather than excluding other components unless specifically stated to the contrary.

In the present specification, the term "unit" includes a unit realized by hardware, a unit realized by software, and a unit realized using both. Further, one unit may be realized by using two or more hardware, or two or more units may be realized by one piece of hardware.

In this specification, some of the operations or functions described as being performed by the terminal or device may be performed instead in a server connected to the terminal or device. Likewise, some of the operations or functions described as being performed by the server may also be performed by a terminal or device connected to the server.

Hereinafter, with reference to the accompanying configuration diagram or processing flow chart, it will be described in detail for the implementation of the present invention.

1 is a block diagram of a system for pre-providing products through collateral based on financial products according to an embodiment of the present invention.

Referring to FIG. 1, the product pre-provision system may include a product providing server 100, a financial server 110, a first terminal 120, a second terminal 130, and a terminal 140 of a first user. have. However, since the product pre-provision system of FIG. 1 is only an embodiment of the present invention, the present invention is not limitedly interpreted through FIG. 1, and may be configured differently from FIG. 1 according to various embodiments of the present invention. .

In general, components of the product pre-provision system of FIG. 1 are connected through a network (not shown). A network refers to a connection structure that enables information exchange between nodes such as terminals and servers, and is a local area network (LAN), a wide area network (WAN), and the Internet (WWW: World). Wide Web), wired and wireless data communication networks, telephone networks, wired and wireless television networks, etc. Examples of wireless data networks include 3G, 4G, 5G, 3GPP (3rd Generation Partnership Project), LTE (Long Term Evolution), WIMAX (World Interoperability for Microwave Access), Wi-Fi, Bluetooth communication, infrared communication, and ultrasound. Communication, Visible Light Communication (VLC), LiFi, and the like are included, but are not limited thereto.

The present invention provides a first financial product by pre-providing virtual money corresponding to at least a portion of the amount to be paid by the first user to the terminal 140 of the first user who has subscribed to the first financial product (eg, savings savings product, etc.). Before this expiration, a service that allows the first user to purchase a product using the corresponding virtual money may be provided.

In the present invention, the product may include not only a product for the purpose of commerce, but also various services that can be consumed (eg, a travel package product, a gym use ticket, etc.).

In addition, the present invention can provide the same effect as the existing interest-free installment system through a structure in which an amount corresponding to the virtual money used by the first user among the virtual money prepaid to the first user is repaid from the financial server 110. .

That is, since the first user purchases the product in advance with the money to be paid monthly according to the subscription information of the first financial product, the same effect as the existing interest-free installment method is exhibited.

Specifically, the financial server 110 receives the first subscription information for the first user's subscription to the first financial product from the first terminal 120 and performs the first user's subscription to the first financial product. can do.

Here, when the first user subscribes to the first financial product through a bank window or a financial product designer, the first terminal 120 may be a terminal disposed at the bank window or a designer's terminal.

In another embodiment, when the first user himself or herself subscribes to the first financial product through an application or website, the first terminal 120 may be a variety of terminals (eg, mobile terminals, desktops, or laptop computers) of the first user. I can. In this case, the terminal of the first user may be configured by being integrated with the terminal 140 of the first user.

The financial server 110 may transmit the first subscription information of the first user to the product providing server 100.

The product providing server 100 corresponds to at least a portion of the amount that the first user must pay due to the first financial product according to the first subscription information of the first user to the first financial product received from the financial server 110 It is possible to provide virtual money to the first user's terminal 140. Here, the virtual money may be a payment method used for a first user to purchase and pay for a product pre-provided by the product providing server 100.

The product providing server 100 may issue a bond for a financial institution corresponding to the financial server 110 in order to receive the price of a product purchased by the first user through virtual money. In this case, the product providing server 100 may transmit bond issuance information on the issued bond to the financial server 110.

The financial server 110 may generate a second financial product to invest in bonds based on the bond issuance information received from the product providing server 100 and recruit investors who want to invest in the second financial product.

The financial server 110 may receive the second subscription information for the second user's subscription to the second financial product from the second terminal 130 and perform a procedure for the second user to subscribe to the second financial product. .

Here, the second terminal 130 may be, for example, a terminal arranged at a bank window or a terminal of a designer selling financial products. In another embodiment, when the second user himself or herself subscribes to the second financial product through an application or website, the second terminal 130 may be a variety of terminals (eg, mobile terminals, desktops, or laptop computers) of the second user. I can.

The financial server 110 is remittance information indicating that the product price corresponding to virtual money corresponding to at least a portion of the amount to be paid by the first user due to the first financial product has been transferred to an account corresponding to the product providing server 100 May be transmitted to the product providing server 100. Here, the product price corresponding to the virtual money may be generated from the investment by the second financial product.

That is, the product providing server 100 converts the purchase price for a product purchased or scheduled to be purchased through a vendor (a product that the first user plans to pre-purchase or pre-purchased through virtual money) as the product price remitted from the financial server 110. You can pay.

Hereinafter, the operation of each component of the product pre-provision system of FIG. 1 will be described in more detail.

2 is a block diagram of the product providing server 100 shown in FIG. 1 according to an embodiment of the present invention.

Referring to FIG. 2, the product providing server 100 includes a subscription information receiving unit 200, a virtual money providing unit 210, a remittance information receiving unit 220, a transmitting unit 230, and a bond issuing unit 240. I can. However, the product providing server 100 shown in FIG. 2 is only an example of implementation of the present invention, and various modifications are possible based on the components shown in FIG. 2.

The subscription information receiving unit 200 may receive subscription information of the first user to the first financial product from the financial server 110.

Here, the first financial product may be a kind of affiliated savings product that provides a benefit for pre-purchasing the products sold by the product providing server 100 through the financial server 110's alliance with the product providing server 100. . For example, the first financial product may be a financial product for a plurality of users who want to consume in a specific field, such as a high value-added product or service.

Here, the subscription information to the first financial product may include, for example, information on an accumulation contract period in which the first user subscribes to the first financial product and a monthly installment savings amount.

The virtual money providing unit 210 first provides virtual money that can be used in a shopping mall corresponding to the product providing server 100 based on the subscription information of the first user to the first financial product received from the financial server 110. It can be provided to the user's terminal 140.

Here, the shopping mall corresponding to the product providing server 100 may be a shopping mall that is operated so that products that can be purchased with virtual money can be purchased at a lower cost compared to other sellers. Since such a shopping mall recruits a plurality of first users who want to purchase an arbitrary product, it is possible to secure a seller who sells the product at a low price, and to receive the product at a lower price than other sellers.

For example, the virtual money provider 210 may provide virtual money corresponding to at least a portion of an amount to be paid by the first user due to the first financial product to the terminal 140 of the first user.

For example, the virtual money providing unit 210 corresponds to the total accumulated amount (12 million won) to be accumulated for one year if the first financial product subscribed by the first user is a financial product that requires a monthly payment of 1 million won for one year. It is possible to provide the terminal 140 of the first user with virtual money or virtual money corresponding to a part of the total accumulated amount.

Meanwhile, the first user may purchase a product by paying for a product in the shopping mall of the product providing server 100 by using the virtual money provided through the product providing server 100 in a state in which there is no money in hand.

In order for the product providing server 100 to pay the product price of the product at a lump sum to the seller in order to purchase the product purchased by the first user with virtual money, it is necessary to supply liquidity of funds equal to the price of the product. To this end, in the present invention, the product providing server 100 receives liquidity by issuing bonds.

When virtual money is provided to the terminal 140 of the first user, the bond issuing unit 240 may issue a bond for product price corresponding to the virtual money provided to the terminal 140 of the first user.

Alternatively, when the first user uses virtual money, the bond issuing unit 240 may issue a bond for product price corresponding to the virtual money used by the first user.

The transmission unit 230 may transmit bond issuance information indicating that a bond for product price has been issued to the financial server 110. Specifically, the transmission unit 230 may transmit to the financial server 110 bond issuance information indicating that a bond has been issued for remittance of the product price to an account corresponding to the product providing server 100.

Thereafter, the financial server 110 may operate a second financial product that invests in the bond issued by the product providing server 100 based on the bond issuance information received from the product providing server 100.

The financial server 110 may recruit investors for the second financial product to secure purchase funds for the second financial product. Thereafter, the financial server 110 may secure investment funds corresponding to the purchase funds of the second financial product from investors who have been recruited for the second financial product.

Here, the investment generated from the second financial product may be a liquidity supply fund that the first user intends to purchase with virtual money or is used to pay the product price of the product in a lump sum to the seller in order to purchase the purchased product from the seller. have.

Meanwhile, the transmission unit 230 may transmit information on a product price corresponding to the virtual money provided to the terminal 140 of the first user to the financial server 110.

The remittance information receiving unit 220 may receive remittance information indicating that the product price corresponding to the virtual money has been remitted from the financial server 110 to an account corresponding to the product providing server 100. Here, the product price may be a price generated from investments made by the second financial product sold by the financial server 110.

Specifically, when the first user performs a purchase payment for a product sold in the shopping mall of the product providing server 100 by using virtual money, the transmission unit 230 corresponds to the first amount used for the purchase settlement for the product. Information on virtual money may be transmitted to the financial server 110.

In this case, the remittance information receiving unit 220 may receive remittance information from the financial server 110 indicating that the product price of the first amount used for the purchase and settlement of the product has been remitted to an account corresponding to the product providing server 100. .

Thereafter, the product price of the first amount remitted to the account corresponding to the product providing server 100 is used to purchase the product purchased by the first user from the seller.

The shopping mall corresponding to the product providing server 100 may contract with a seller to supply a specific product at a first discount rate for a regular price, and sell the product to a first user at a second discount rate for the list price (or lowest price). .

Here, the first discount rate may be set to have a higher discount width than the second discount rate. For example, assuming that the product providing server 100 receives a first product to which a discount rate (first discount rate) of 10% compared to the list price (or lowest price) of the first product is applied from the seller, the product providing server 100 May sell the first product by applying a 3% discount (a second discount rate) compared to the list price of the first product to the first user.

Part of the difference between the price of the product to which the second discount rate is applied and the price of the product to which the first discount rate is applied may be used as the proceeds for the second financial product (i.e., interest paid to investors who invest in the second financial product). .

On the other hand, for those skilled in the art, each of the subscription information receiving unit 200, the virtual money providing unit 210, the remittance information receiving unit 220, the transmitting unit 230, and the bond issuing unit 240 may be implemented separately, or at least one of them. It will be fully understood that this can be implemented in an integrated manner.

3A to 3B are diagrams for explaining a method of pre-providing a product through collateral based on a financial product according to an embodiment of the present invention.

Referring to FIGS. 3A to 3B, in step S301, the first terminal 120 may transmit first subscription information for the first user's subscription to the first financial product to the financial server 110.

In step S303, the financial server 110 may perform a subscription procedure to the first financial product of the first user based on the first subscription information of the first user received from the first terminal 120. In addition, the financial server 110 may transmit at least one of the first subscription information of the first user to the product providing server 100.

In step S305, the product providing server 100 provides the first user's terminal 140 with virtual money corresponding to at least a part of the amount to be paid by the first user due to the first financial product as collateral. Can provide.

Here, the virtual money may be used for payment of a product pre-provided by the product providing server 100. The product pre-provided by the product providing server 100 may be purchased from a seller by applying a first discount rate to the list price of the product, and may be sold to a first user by applying a second discount rate to the list price of the product.

In this case, the first discount rate may have a higher discount width than the second discount rate. For example, if the product providing server 100 receives the first product from the vendor at a discount rate of 10% compared to the list price (the first discount rate), the product providing server 100 receives a 3% discount from the list price of the first product to the first user (the second Discount rate) can be applied to sell the first product.

In step S307, the product providing server 100 issues a bond for product price corresponding to the virtual money provided to the first user's terminal 140, and transmits bond issuance information indicating that the bond has been issued to the financial server 110. have.

As another example, when the first user uses virtual money to pay for a product, the product providing server 100 issues a bond for product price corresponding to the virtual money used for product payment, and the bond for the issued bond Issuance information may be transmitted to the financial server 110.

In step S309, the financial server 110 may operate a second financial product for investing in bonds based on the bond issuance information received from the product providing server 100.

For example, the financial server 110 may recruit investors for the second financial product to secure purchase funds for the second financial product. To this end, the financial server 110 receives the second subscription information for the second user's subscription to the second financial product from the second terminal 130 and performs a procedure for the second user to subscribe to the second financial product. can do.

In step S311, the terminal 140 of the first user performs a purchase and settlement of a product by the first user using virtual money, and information on the completion of the payment of the product (virtual money of the first amount used for payment of the product). (Including information on) may be transmitted to the product providing server 100.

In step S313, the product providing server 100 may transmit information on the virtual money of the first amount used for payment of the product to the financial server 110.

In step S315, the financial server 110 may transmit remittance information indicating that the product price of the first amount has been transferred to an account corresponding to the product providing server 100 to the product providing server 100.

Here, the product price of the first amount may be generated from investments made by the second financial product. In this case, the product price of the first amount remitted to the account corresponding to the product providing server 100 may be used to purchase the product paid by the first user from the seller.

In step S317, the financial server 110 reimburses the terminal 150 of the second user for the amount paid due to the first financial product on the expiration date for the first financial product of the first user as a repayment amount for the second financial product. And, the proceeds for the second financial product (ie, interest paid to investors who have invested in the second financial product) may be distributed to the terminal 150 of the second user.

Here, the profit for the second financial product is generated from a part of the difference between the price of the product sold to the first user by applying the second discount rate to the list price of the product and the price of the product purchased from the seller by applying the first discount rate. Can be.

For example, if the product providing server 100 receives the first product at a discount rate of 10% (the first discount rate) compared to the list price of the first product from the seller, 1% is used as the shopping mall operation cost, and the first user A 3% discount is provided compared to the list price, and 6% (including 5% proceeds from the second financial product) can be used as an operating procurement cost for the second financial product. Accordingly, the present invention can propose an expected return of 4 to 5% per year to investors who have invested in the second financial product.

In other words, the greater the discount width of the seller, the higher the rate of return for the second financial product, and if the supply of products with a high discount rate from the seller is possible, a virtuous cycle between supply and demand can be formed well, thereby helping to activate transactions. .

4 is a flowchart illustrating a method of pre-providing a product through a financial product-based collateral performed by the product providing server 100 according to an embodiment of the present invention.

Referring to FIG. 4, in step S401, the product providing server 100 may receive subscription information of a first user to a first financial product from the financial server 110.

In step S403, the product providing server 100 may provide virtual money corresponding to at least a portion of the amount to be paid by the first user due to the first financial product to the terminal 140 of the first user. Here, the virtual money may be used for payment of a product pre-provided by the product providing server 100. In addition, a product pre-provided by the product providing server 100 may be purchased from a vendor by applying a first discount rate to the list price of the product, and a second discount rate may be applied to the list price of the product to be sold to a first user. . In this case, the first discount rate may have a higher discount width than the second discount rate.

In step S405, the product providing server 100 may receive remittance information indicating that the product price corresponding to the virtual money has been transferred from the financial server 110 to an account corresponding to the product providing server 100.

Although not shown in FIG. 4, in step S403, the product providing server 100 provides bond issuance information for the bond issued by the product providing server 100 in order to receive the product price corresponding to the virtual money from the financial server 110. It can be transmitted to the financial server 110. Here, the product price corresponding to the virtual money may be generated from the investment by the second financial product generated based on the bond issuance information. Here, the second financial product may be a product invested in the corresponding bond. Profits from the second financial product (that is, interest paid to investors who have invested in the second financial product) are applied with the second discount rate to the list price of the product, so that the price of the product sold to the first user and the first discount rate are It may be applied and generated based on part of the difference between the prices of the goods purchased from the vendor.

Although not shown in FIG. 4, in step S405, the product providing server 100 transmits information on the virtual money of the first amount used for payment to the financial server 110 when the payment of the product is completed using virtual money. I can.

Although not shown in FIG. 4, in step S405, the product providing server 100 may receive remittance information indicating that the product price of the first amount has been transferred to an account corresponding to the product providing server 100.

In the above description, steps S401 to S405 may be further divided into additional steps or may be combined into fewer steps, according to an embodiment of the present invention. In addition, some steps may be omitted as necessary, or the order between steps may be changed.

5 is a flowchart illustrating a method of pre-providing a product through a financial product-based collateral performed by the financial server 110 according to an embodiment of the present invention.

Referring to FIG. 5, in step S501, the financial server 110 receives first subscription information for subscription to the first financial product of the first user from the first terminal 120 to receive the first financial product of the first user. You can perform the registration process with

In step S503, the financial server 110 may transmit at least one of the first subscription information of the first user to the product providing server 100.

In step S505, the financial server 110 receives the second subscription information for the second user's subscription to the second financial product from the second terminal 130, and performs a procedure for the second user to subscribe to the second financial product. can do.

In step S507, the financial server 110 indicates that the product price corresponding to the virtual money corresponding to at least part of the amount to be paid by the first user due to the first financial product has been transferred to the account corresponding to the product providing server 100. The indicated remittance information may be transmitted to the product providing server 100. Here, the virtual money may be transmitted to the terminal 140 of the first user by the product providing server 100. In addition, the virtual money may be used for payment of a product pre-provided by the product providing server 100. Here, the product pre-provided by the product providing server 100 is purchased from a seller by applying a first discount rate to the list price of the product, and a second discount rate is applied to the list price of the product to be sold to the first user. . In this case, the first discount rate may have a higher discount width than the second discount rate.

Although not shown in FIG. 5, in step S507, the financial server 110 provides the product providing server 100 with bond issuance information indicating that the bond has been issued for remittance of the product price corresponding to the virtual money to the account corresponding to the product providing server. ).

Although not shown in FIG. 5, in step S507, the financial server 110 may recruit investors for the second financial product to secure purchase funds for the second financial product based on the bond issuance information. Here, the second financial product may be a product invested in bonds. The investment by the second financial product may be money circulating to the product providing server 100 as a product price corresponding to virtual money.

Although not shown in FIG. 5, in step S507, when the purchase and payment of the product is completed using the virtual money, the product providing server 100 provides information on the virtual money of the first amount used for the purchase payment. Can be received from

Although not shown in FIG. 5, in step S507, the financial server 110 may transmit remittance information indicating that the product price of the first amount has been transferred to an account corresponding to the product providing server 100 to the product providing server 100. . Here, the product price corresponding to the virtual money may be generated from the investment by the second financial product. Profits from the second financial product (i.e., interest paid to investors who invest in the second financial product) are applied with the second discount rate to the list price of the product, so that the price of the product sold to the first user and the first discount rate are It may be applied and generated based on part of the difference between the prices of the goods purchased from the vendor.

In the above description, steps S501 to S507 may be further divided into additional steps or may be combined into fewer steps, according to an embodiment of the present invention. In addition, some steps may be omitted as necessary, or the order between steps may be changed.

An embodiment of the present invention may also be implemented in the form of a recording medium including instructions executable by a computer, such as a program module executed by a computer. Computer-readable media can be any available media that can be accessed by a computer, and includes both volatile and nonvolatile media, removable and non-removable media. Further, the computer-readable medium may include all computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

The above description of the present invention is for illustrative purposes only, and those of ordinary skill in the art to which the present invention pertains will be able to understand that other specific forms can be easily modified without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are illustrative and non-limiting in all respects. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as being distributed may also be implemented in a combined form.

The scope of the present invention is indicated by the claims to be described later rather than the detailed description, and all changes or modified forms derived from the meaning and scope of the claims and their equivalent concepts should be interpreted as being included in the scope of the present invention. .

100: product provision server
110: financial server
120: first terminal
130: second terminal
140: terminal of the first user

Claims (20)

In a product providing method for pre-providing a product through a financial product-based collateral performed by a product providing server,
Receiving subscription information of a first user to a first financial product from a financial server;
Providing virtual money corresponding to at least a portion of an amount to be paid by the first user due to the first financial product to the terminal of the first user; And
Receiving remittance information indicating that the product price corresponding to the virtual money has been transferred from the financial server to an account corresponding to the product providing server
Including,
The virtual money is used for payment of a product pre-provided by the product providing server,
The product price is generated from the investment in the second financial product, the product providing method.
The method of claim 1,
Bonds are issued to receive remittance of the product price to an account corresponding to the product providing server,
Transmitting bond issuance information indicating that the bond has been issued to the financial server
That further comprises a product providing method.
The method of claim 2,
The second financial product is a product for investing in the bond, product providing method.
The method of claim 1,
Receiving the remittance information
When the purchase payment of the product is completed using the virtual money, transmitting information on the virtual money of the first amount used for the purchase payment to the financial server.
The method of claim 4,
Receiving the remittance information
The product providing method further comprising the step of receiving remittance information indicating that the product price of the first amount has been transferred to an account corresponding to the product providing server.
The method of claim 1,
The product pre-provided by the product providing server is purchased by applying a first discount rate to the list price of the product,
The product pre-provided by the product providing server is sold to the first user by applying a second discount rate to the list price,
The first discount rate is to have a higher discount width than the second discount rate, the product providing method.
The method of claim 6,
A product providing method, wherein a part of the difference between the price of the product to which the second discount rate is applied and the price of the product to which the first discount rate is applied is used as a profit for the second financial product.
In a product providing server that pre-provides products through financial product-based collateral,
A subscription information receiving unit for receiving subscription information of the first user to the first financial product from the financial server;
A virtual money providing unit that provides virtual money corresponding to at least a portion of an amount to be paid by the first user due to the first financial product to the terminal of the first user; And
Remittance information receiving unit for receiving remittance information indicating that the product price corresponding to the virtual money has been transferred from the financial server to an account corresponding to the product providing server
Including,
The virtual money is used for payment of a product pre-provided by the product providing server,
The product price is generated from the investment in the second financial product, product providing server.
The method of claim 8,
Bonds are issued to receive remittance of the product price to an account corresponding to the product providing server,
The product providing server further comprising a transmission unit for transmitting the bond issuance information indicating that the bond has been issued to the financial server.
The method of claim 9,
The second financial product is a product to be invested in the bond, product providing server.
The method of claim 9,
When the product purchase payment is completed using the virtual money, the transmission unit transmits information on the virtual money of the first amount used for the purchase payment to the financial server.
The method of claim 11,
The remittance information receiving unit receives remittance information indicating that the product price of the first amount has been remitted to an account corresponding to the product providing server.
In the product providing method for pre-providing products through financial product-based collateral performed by a financial server,
Receiving first subscription information for subscription to a first financial product by a first user from a first terminal and performing a subscription procedure for the first user to the first financial product;
Transmitting at least one of the first subscription information of the first user to a product providing server;
Receiving second subscription information for subscribing to a second financial product by a second user from a second terminal and performing a subscription procedure for the second user to the second financial product; And
Remittance information indicating that the product price corresponding to virtual money corresponding to at least part of the amount to be paid by the first user due to the first financial product has been transferred to an account corresponding to the product providing server to the product providing server Steps to transfer
Including,
The virtual money is transmitted to the terminal of the first user by the product providing server,
The virtual money is used for payment of a product pre-provided by the product providing server,
The product price is a product providing method that is generated from the investment in the second financial product.
The method of claim 13,
The product providing method further comprising receiving, from the product providing server, bond issuance information indicating that a bond has been issued in order to receive remittance of the product price to an account corresponding to the product providing server.
The method of claim 14,
The second financial product is a product for investing in the bond, product providing method.
The method of claim 14,
The method of providing a product further comprising the step of recruiting investors for the second financial product in order to secure a purchase fund of the second financial product based on the bond issuance information.
The method of claim 13,
Transmitting the remittance information to the product providing server
And receiving information on the virtual money of the first amount used for the purchase payment from the product providing server when the purchase and payment of the product is completed using the virtual money.
The method of claim 17,
Transmitting the remittance information to the product providing server
And transmitting, to the product providing server, remittance information indicating that the product price of the first amount has been transferred to an account corresponding to the product providing server.
The method of claim 13,
The product pre-provided by the product providing server is purchased by applying a first discount rate to the list price of the product,
Products pre-provided by the product providing server are sold to a first user by applying a second discount rate to the list price,
The first discount rate is to have a higher discount width than the second discount rate, the product providing method.
The method of claim 19,
A product providing method, wherein a part of the difference between the price of the product to which the second discount rate is applied and the price of the product to which the first discount rate is applied is used as a profit for the second financial product.

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