KR20210120248A - Management service system for second-hand luxury goods - Google Patents

Abstract

The present invention relates to a management service system for used luxury goods and the objective of the present invention is to enable a person who owns used luxury goods to efficiently borrow money or earn profits through rental and sale of the used luxury goods and enable a user who wants to use luxury goods to purchase the luxury goods or use and rent the luxury goods at low cost. To this end, the management service system comprises: a luxury goods management total platform renting and selling used luxury goods entrusted by an owner of the used luxury goods and paying an operating deposit to the owner of the used luxury goods entrusted with the used luxury goods; a used luxury goods owner terminal held by a used luxury goods owner who requests sales or consignment management of the used luxury goods to the luxury goods management total platform and capable of being connected to the luxury goods management total platform through a wire and wirelessly; and a member terminal held by a used luxury user who registers as a user member in the luxury goods management total platform to rent or purchase the used luxury goods registered in the luxury management total platform for a fee and capable of being connected to the luxury goods management total platform through a wire and wirelessly.

Description

Used luxury management service system {MANAGEMENT SERVICE SYSTEM FOR SECOND-HAND LUXURY GOODS}

The present invention relates to a used luxury goods management service system, and more specifically, a person who owns a used luxury goods can smoothly borrow money or obtain a profit through rental and sale of a used luxury goods, and want to use the used luxury goods. It relates to a used luxury management service system that allows people to rent and use or purchase a variety of used luxury goods at low cost, obtain profits by intermediary between owners of used luxury goods, and activate the used luxury goods market.

Despite the downturn in the consumer market, the high-end luxury market with rarity is still in strong demand.

In particular, premium luxury goods produced in limited quantities are also in the spotlight for investment purposes.

The luxury auction market is also revitalizing, and the luxury items that have been successfully bid at the auction are kept by collectors, but sometimes they are sold again.

It can be seen that the brand value plays a more important role in the value of such luxury goods than the basic function or quality of the product.

The desire for consumption of luxury goods is increasing not only among high-income earners but also among the middle class.

Although this market for used luxury goods is gradually expanding, there is a problem in that it is difficult to secure reliability according to the authenticity of used luxury goods due to an increase in counterfeit goods.

And, in Korea, the demand for luxury mortgage loans using used luxury goods as collateral is increasing, but the loan demand cannot be satisfied due to the financing limitations of the loan industry.

As shown in FIG. 1, the typical loan transaction structure for used luxury goods is a debtor equipped with used luxury goods by providing a loan to the debtor 200 using the used luxury goods as collateral by the mortgage lender 100 such as a pawnshop. 200 secures the funds, and the mortgage lender 100 obtains a profit by receiving interest on the loan from the debtor 200 .

In addition, the secured borrower 100 may borrow money from the loan company 300 by using the used luxury goods provided as collateral as collateral for securing funds or by transferring personal loan receivables.

In this case, the loan amount is about 80-85% of the wholesale market price of used luxury goods, and when the loan cannot be repaid, it is sold to recover the funds.

Then, the mortgage lender 100 receives an interest of about 24% from the debtor 200 on the loan, and then provides an interest of 13 to 18% to the loan company 300, and the difference is a profit.

In addition, the lending company 300 provides a comprehensive transfer security to the lenders 400 to borrow funds, and then repays the borrowings with the principal and interest received from the mortgage lender 100 .

If the debtor 200 is overdue for interest payment or fails to repay the loan by the loan term, the secured borrower 100 repays the loan to the lending company 300 with their own funds, and then uses the used luxury provided as collateral. By collecting it and selling it at the retail price, you get a market profit.

In addition, if the secured borrower fails to repay the loan to the loan company, the loan company 300 may directly sell the used luxury goods provided as collateral at a retail price to recover the funds.

However, the current situation is that due to the limitations of the existing loan business, only about 1 trillion won worth of luxury goods collateral loans are being made.

In other words, despite the demand for secured loans worth approximately KRW 2 trillion, we are unable to provide an additional KRW 1 trillion in secured loans due to funding limitations.

In addition, in the conventional used luxury loan structure, after the loan company 300 lends the funds raised through the lender 400 to the mortgage lender 100, the lender 400 temporarily requests large-scale repayment of principal and interest. , it is necessary to recruit other lenders 400 to raise large-scale funds.

Accordingly, the loan company 300 cannot significantly increase the current loan amount level, and there is a problem in that it cannot smoothly provide the additional funds demand of the secured borrowers 100 .

Meanwhile, Korean Patent Laid-Open Publication No. 10-2001-0111783 discloses an 'intelligent clothes rental and sales service system and method', which includes a user profile database unit for storing and managing the user's physical condition information; a user preference database unit for storing and managing user preference information for clothing domains such as suits and casual clothes, items serving as sub-information of each of the clothing domains, clothing colors, and clothing brands; a clothing database unit for storing and managing etiquette information on the provided clothing, time and place; a virtual reality server unit for performing 3D virtual space simulation modeling on the clothing information stored and managed in the clothing database unit; and a customer management server unit.

In addition, Korean Patent Laid-Open No. 10-2001-0083801 discloses 'an online reservation system that mediates, stores, and manages the interchangeable use of famous clothing and a method for configuring and operating the website', which is a clothing shopping mall on the website. and configuring rental clothing status, purchasing clothing from the shopping mall in the above step or signing up for a membership by paying a certain amount of subscription fee; Receiving new clothing from a user member through the reservation system, delivering the requested clothing through courier or direct delivery, collecting used clothing through the above steps and storing it through a process such as washing, etc. and writing the holding status back to the website.

In addition, Korean Patent Laid-Open No. 10-2012-0025084 discloses a 'method for periodical rental of fashion products for each individual using a network', which includes a membership registration step of inputting information for membership registration; A product information providing step of providing registered product information to a terminal through a network; a use application step of applying for rental of a product that a member wants to use; and a delivery processing and return confirmation step in which the product for use is delivered within a desired period, and the member returns the product when the period of use is over.

In addition, Korean Patent Laid-Open No. 10-2018-0032834 discloses a 'clothing rental service providing method', which includes the steps of receiving request information for a clothing rental service from a user terminal, and the cost of clothing rental service based on the requested information. When payment is completed, the steps of transmitting the request information to a clothing rental service provider, receiving clothing rental service completion information from the service provider, and transmitting a service completion message to the user terminal are configured.

: Domestic Patent Publication No. 10-2001-0111783 (published on December 20, 2001) : Domestic Patent Publication No. 10-2001-0083801 (published on March 3, 2001) : Domestic Patent Publication No. 10-2012-0025084 (published on March 15, 2012) : Domestic Patent Publication No. 10-2018-0032834 (published on April 2, 2018)

The present invention is to solve the problems of the prior art, and a person who owns a used luxury product can smoothly borrow money or obtain a profit through the rental and sale of a used luxury product, and a person who wants to use the used luxury product can Its purpose is to make it possible to rent and use or purchase a variety of used luxury goods at low cost.

Another object of the present invention is to obtain a profit while intermediary between owners of used luxury goods and to activate the used luxury market.

Another object of the present invention is to simultaneously satisfy the needs of owners of used luxury goods and users.

Another object of the present invention is to reduce fee disputes related to commission fees.

Another object of the present invention is to facilitate rental and sale of used luxury goods.

Another object of the present invention is to allow a lender to properly respond to a request for a large-scale repayment of principal and interest from a lender after a loan company lends a loan to a secured borrower through a lender.

Another object of the present invention is to enable a lending company to significantly increase the current loan amount level by means of a mirroring fund, and to smoothly provide additional funds demand of secured borrowers.

Another object of the present invention is to reduce consumer dissatisfaction due to counterfeit products.

In order to achieve the above object, the used luxury management service system of the present invention is a luxury product that receives used luxury goods from the owner of the used luxury goods, rents and sells the used luxury goods, and pays an operating deposit to the owner of the used luxury goods entrusted with the used luxury goods management total platform; a second-hand luxury goods owner terminal, which is provided by a used luxury goods owner who requests sales or consignment management of the used luxury goods to the luxury goods management total platform, and is capable of wired and wireless connection to the luxury goods management total platform; It is provided by a used luxury user who registers as a user member in the luxury management total platform and rents or purchases second-hand luxury goods registered in the luxury management total platform for a fee, and a member terminal capable of wired and wireless access to the luxury management total platform; characterized in that

In addition, the owner of used luxury goods entrusts the rental and sale of used luxury goods to a mortgage lender and receives a commission for consignment. It is characterized by requesting the management fee for the consigned used luxury goods to the luxury goods management total platform as well as re-consigning to the total platform.

In addition, the mortgage lender pays a consignment fee to the owner of used luxury goods based on the used luxury goods market portal program provided by the luxury goods management total platform, and charges an operation fee to the luxury goods management total platform in response to the consignment fee. .

In addition, the luxury management total platform receives funds from the investment group through the provision of fixed interest or comprehensive transfer collateral, or receives funds from the lending company on the basis of payment of commissions for the rental and sale of used luxury goods. characterized in that

In addition, the luxury management total platform is characterized by differentiating the deposit and the annual fee to classify members, and limiting the grade and number of rentals of used luxury goods that can be rented according to the member's grade.

In addition, the member terminal is characterized in that it is equipped with a luxury authenticity determination app that determines the authenticity of the used luxury goods, so that the user member can rent and purchase after checking the authenticity of the used luxury goods.

In addition, the luxury management total platform includes a luxury authenticity judgment unit that judges the authenticity and value of used luxury goods entrusted by the used luxury goods owner, and registers and stores the used luxury goods entrusted by the used luxury goods owner, and uses the registered used luxury goods as user members. The used luxury goods management department that rents and sells to the It is characterized in that it comprises a reception management unit for managing the, and a control unit for controlling them.

In addition, the second-hand luxury management department is divided into a luxury goods consignment management department that receives funds from a venture association formed to carry out a luxury consignment management business for used luxury goods stores, and a luxury rental department that performs a rental business of consigned used luxury goods. characterized by being

In addition, when the funds of the venture association expire, it is characterized in that the deposit created through the luxury rental business is used as the mirroring fund of the venture association.

According to the used luxury management service system of the present invention, the owner of the used luxury goods can smoothly borrow money or make a profit by being entrusted with the rental and sale of the used luxury goods from the owner of the used luxury goods and renting or selling the used luxury goods to the member who wants to use the used luxury goods. can be obtained, and users can purchase various used luxury goods at low prices or use them at low cost.

Accordingly, there is an effect that can satisfy the needs of the owner and the user of the used luxury at the same time.

In addition, by re-entrusting the used luxury goods to the luxury management total platform through a mortgage lender, the owner of the used luxury goods can be prevented from being exposed, and emergency funds can be easily borrowed from the mortgage lender there is

In addition, as the mortgage lender provides consignment fees to the owners of used luxury goods based on the used luxury market capitalization program provided by the luxury goods management total platform, it has the effect of reducing fee disputes.

In addition, it has the effect of making it easier to secure funds by receiving funds from investment groups or loan companies on the luxury management total platform and paying them to owners of used luxury goods or mortgage lenders.

In addition, as consumer members are managed by grade in the luxury management total platform, member management becomes easier and the rental and sales management of used luxury goods becomes easier.

In addition, if the lender temporarily requests large-scale repayment of principal and interest after the lender lends the funds raised through the lender to the collateralized borrower, the mirroring fund system has the effect of appropriately responding.

Accordingly, there is an effect that it is not necessary to raise large-scale funds by urgently recruiting other lenders.

In addition, the mirroring fund has the effect of allowing the lender to significantly increase the current loan amount level and smoothly provide the additional funds demand of the collateralized borrowers.

In addition, since consumer members rent and purchase second-hand luxury goods after determining the authenticity of used luxury goods through the luxury goods authenticity determination app on the member terminal, there is an effect that can reduce consumer complaints due to counterfeit goods.

1 is a block diagram schematically showing the structure of a conventional used luxury loan transaction.
2 is a block diagram schematically showing a used luxury management service system according to the present invention.
3 is a block diagram showing a total platform for luxury management according to the present invention.
4 is a classification table of consumer members according to the present invention.

Hereinafter, preferred embodiments of the used luxury management service system according to the present invention will be described with reference to FIGS. 2 to 4 .

As shown in FIG. 2, the used luxury management service system according to the present invention leases and sells used luxury goods by entrusting the used luxury goods from the owner of the used luxury goods, and provides an operating deposit to the owner of the used luxury goods entrusted with the used luxury goods. Luxury management total platform (10) and payment; A used luxury goods owner terminal 20, which is provided by a used luxury goods owner who requests sales or consignment management of the used luxury goods to the luxury goods management total platform 10, and can be connected to the luxury goods management total platform 10 by wire and wireless; It is provided by a used luxury user who registers as a user member in the luxury management total platform (10) and rents or purchases second-hand luxury goods registered in the luxury management total platform (10) for a fee. It is configured to include; a member terminal 30 that can be accessed.

Accordingly, the owner of the used luxury goods can entrust the used luxury goods to the luxury goods management total platform 10 through the used luxury goods owner terminal 20 and request the sale or rental operation of the used luxury goods.

In addition, the luxury management total platform 10 pays the owner of the used luxury goods sales money from the sale of the used luxury goods or an operating fee according to the rental of the used luxury goods.

At this time, in the luxury management total platform 10, it is preferable to deduct 10% of the selling price or 24% of the operating fee as an expense and then pay the used luxury goods owner.

As shown in FIG. 3, the luxury management total platform 10 includes a luxury goods authenticity determination unit 11 that determines the authenticity and value of used luxury goods entrusted by the used luxury goods owner, and the used luxury goods entrusted by the used luxury goods owner. The used luxury management unit 12, which registers and stores the luxury goods and rents and sells the registered used luxury goods to user members, and the used luxury goods owner who entrusted the used luxury goods with the operating deposit corresponding to the value of the entrusted luxury goods in the form of loan It is characterized in that it comprises a credit management unit 13 to pay to, a reception management unit 14 for managing the funds invested from the investment group and the loan company, and a control unit 15 for controlling them integrally.

The luxury goods authenticity determination unit 11 of the luxury management total platform 10 determines whether to receive the consignment by determining the authenticity and value of the used luxury goods entrusted by the owner of the used luxury goods, and when the used luxury goods are judged to be genuine. It is registered and stored in the used luxury goods management unit 12 .

The used luxury goods management unit 12 rents or sells the registered used luxury goods to user members, and also manages the leased used luxury goods.

At this time, if the used luxury item that the user member is looking for is not registered, registration request information is transmitted to the used luxury item owner terminal 10 so that the used luxury item can be registered.

On the other hand, the used luxury goods owner may entrust the used luxury goods through the mortgage lender 40 rather than directly entrusting the luxury goods management total platform 10,

That is, the owner of the used luxury goods is entrusted with the rental by providing the used luxury goods to the mortgage lender 40 or provided as collateral, thereby receiving an operation subsidy or loan from the mortgage lender 40 according to the rental operation.

In this case, it is desirable to determine the operating subsidy or loan provided to the owner of the used luxury goods at about 80 to 85% of the wholesale market price of the used luxury goods.

And, the mortgage lender 40 re-entrusts the entrusted used luxury goods to the luxury management total platform 10, and requests an operating deposit as a consignment fee or receives an operation fee according to the rental of the entrusted used luxury goods. .

At this time, the luxury management total platform 10 deducts 13 to 18% of the actual management fee and provides it to the mortgage lender 40, and the mortgage lender 40 deducts 24% of the management fee. The amount is provided as a commission to the owners of used luxury goods.

Accordingly, the mortgage lender 40 may use the difference between the amount deducted from the owner of the used luxury goods and the amount deducted from the luxury goods management total platform 10 as a profit.

When the used luxury goods owner provides the used luxury goods as collateral to the mortgage lender 40, since it is impossible to re-entrust the used luxury goods, the mortgage lender may receive interest on the loan from the used luxury goods owner.

At this time, when the sum of the loan amount and delinquent interest to the owner of the used luxury reaches the guaranteed value of the entrusted luxury goods, the mortgage lender 40 transfers the sale of the entrusted luxury goods to the luxury management total platform (10). Recover the loan amount by requesting it.

In addition, it is desirable that the mortgage lender 40 provides a consignment fee to the owner of the used luxury based on the used luxury market capitalization program provided by the luxury management total platform 10 .

Meanwhile, in the luxury management total platform 10 , funds may be supported from the investment group in order to secure funds for payment of management fees and the like.

That is, funds are supported by providing fixed interest on the funds supported by the investment group or by providing entrusted used luxury goods as comprehensive transfer collateral.

Of course, it is possible to receive funding from a lending company on the basis of payment of commissions according to the rental and sale of used luxury goods.

In addition, the second-hand luxury management department is divided into a luxury goods consignment management department that receives funds from a venture association formed to carry out a luxury consignment management business for used luxury goods stores, and a luxury rental department that performs a rental business of consigned used luxury goods. It is preferable to be

According to the above structure, when the funds of the venture association expire, the deposit generated through the luxury rental business can be used as the funds of the venture association (this will be referred to as a 'mirroring fund').

To explain this in more detail, the venture association, which is formed for the luxury consignment management business, pays a deposit for the luxury item entrusted by the customer and manages the funds, then collects the deposit when the contract period expires and collects the management fee collect the

However, since the above venture associations are usually formed with a maturity of 5 to 7 years, upon expiration, the deposit must be temporarily recovered.

Accordingly, there is a problem that a venture association of the same amount needs to be re-formed, and recently, there is a difficulty in raising funds due to stricter regulations on Pop Funding.

However, the present invention, for example, operates a luxury luxury watch rental business for high-end hotel health club membership holders, etc., and forms an amount corresponding to 125 to 142% of the amount of the venture association as a mirroring fund.

The above-mentioned mirroring fund is to prepare for the temporary deposit recovery according to the expiration of the venture association. For example, 45% of the venture association funds are managed as funds exclusively for the luxury rental business, and 55% of the funds are consigned management of luxury goods. use as funds

In other words, for 45% of the funds used in the luxury rental business, 55% of the funds, which is 1.25 times the amount, are inflowed, and this is used as a mirroring fund.

By the above-mentioned mirroring fund formation method, it is possible to secure 125 to 142% of the amount of the venture association.

And it is preferable that the luxury management total platform 10 classifies members by different deposits and annual fees, and limits the grade and number of rentals of used luxury goods that can be rented according to the member's grade.

For example, as shown in FIG. 4, blue members make a deposit of 50 million won and annual fee of 3 million won, black members make a deposit of 100 million won and annual fee of 4 million won, and platinum members make a deposit of 300 million won and annual fee of 5 million won. can

In addition, after classifying the used luxury goods according to quality, it is preferable to classify the used luxury goods that can be rented according to the membership level and to vary the number of rentals.

On the other hand, the member terminal 30 is provided with a luxury authenticity determination app that determines the authenticity of the used luxury goods, so that the user member can rent and purchase after checking the authenticity of the used luxury goods.

Accordingly, the user member can use or purchase only the genuine article, not the fake, by using the member terminal 30 .

In the above, preferred embodiments of the present invention have been exemplarily described, and the scope of the present invention is not limited to the specific embodiments described above. Those of ordinary skill in the art will understand that various changes and modifications are possible without departing from the scope of the technical spirit of the present invention.

10 : Total Platform for Luxury Management
11: Luxury authenticity judgment unit
12 : Used luxury goods management department
13: Credit Management Department
14: reception management unit
15: control unit
20: Used luxury goods owner terminal
30: member terminal
40: mortgage lender
50: investment group
60: loan company

Claims (9)

a luxury management total platform that rents and sells used luxury goods entrusted by the owner of the used luxury goods, and pays the operating deposit to the owner of the used luxury goods entrusted with the used luxury goods;
a second-hand luxury goods owner terminal, which is provided by a used luxury goods owner who requests the sale or consignment management of the used luxury goods to the luxury goods management total platform, and is capable of wired and wireless connection to the luxury goods management total platform;
It is provided by a used luxury user who registers as a user member in the luxury management total platform and rents or purchases second-hand luxury goods registered in the luxury management total platform for a fee, and a member terminal capable of wired/wireless access to the luxury management total platform; Used luxury goods management service system, characterized in that. The method of claim 1,
Owners of used luxury goods,
In addition to entrusting the rental and sale of used luxury goods to a mortgage lender, the commissioning fee is paid;
mortgage lenders,
Used luxury management, characterized in that the rental and sale of used luxury goods consigned by the owner of the used luxury goods are re-entrusted to the luxury goods management total platform, and the consignment fee for the consigned used luxury goods is requested from the luxury goods management total platform service system. 3. The method of claim 2,
The mortgage lender is
A used luxury management service system, characterized in that a commission is paid to the owner of used luxury goods based on the used luxury market capitalization program provided by the luxury management total platform, and the commission is charged to the luxury management total platform in response to the commissioning fee . The method of claim 1,
The luxury management total platform,
receive funding from the investment group through the provision of fixed interest or comprehensive transfer collateral;
A used luxury management service system, characterized in that it receives funds from a lending company on the basis of payment of a fee according to the rental and sale of used luxury goods. The method of claim 1,
The luxury management total platform,
A used luxury management service system, characterized by classifying members by different deposits and annual fees, and limiting the grade and number of rentals of used luxury goods that can be rented according to the member's grade. The method of claim 1,
The member terminal is
A used luxury management service system, characterized in that it provides a luxury authenticity determination app that determines the authenticity of used luxury goods so that user members can rent and purchase after checking the authenticity of used luxury goods. The method of claim 1,
The luxury management total platform,
a luxury authenticity judgment unit that judges the authenticity and value of used luxury goods entrusted by the owner of the used luxury goods;
A used luxury goods management department that registers and stores the used luxury goods entrusted by the owner of the used luxury goods, and rents and sells the registered used luxury goods to user members;
A credit management department that pays an operating deposit in the form of a loan corresponding to the value of the consigned luxury goods to the owner of the used luxury goods entrusted with the used luxury goods;
A reception management unit that manages the funds invested from the investment group and the lender;
The used luxury goods management service system, characterized in that it comprises a control unit for controlling the authenticity of the luxury goods determination unit, the used luxury goods management unit, the credit management unit, the reception management unit and manages members. 8. The method of claim 7,
The used luxury management department,
A luxury consignment management department that receives funds from a venture association formed to conduct luxury consignment management business for second-hand luxury stores;
A used luxury management service system, characterized in that it is divided into a luxury rental department that carries out the rental business of consigned used luxury goods. 9. The method of claim 8,
In addition, when the funds of the venture association expire, the used luxury management service system, characterized in that the deposit created through the luxury rental business is used as the mirroring fund of the venture association.

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