KR20240035014A - System and method for providing barter brokerage platform service - Google Patents

Abstract

It relates to a system and method for providing a goods exchange brokerage platform service that can activate goods transactions between affiliated stores using cyber money, and includes a plurality of affiliated store terminals that communicate with each other and a brokerage platform server that communicates and connects to the multiple affiliated store terminals. In addition, the brokerage platform server pays a basic amount of cyber money to each pre-registered merchant, and when a transaction payment approval request is received from the merchant terminal, it obtains the selling merchant information, purchasing merchant information, and transaction information for the corresponding transaction, and Based on information, purchasing affiliate information, and transaction information, the purchasing affiliate's cyber money amount is deducted corresponding to the transaction amount, the selling affiliate's cyber money amount is added corresponding to the transaction amount, the payment fee corresponding to the transaction is stored, and the transaction is settled. Completion of transaction payment approval corresponding to the approval request can be notified to the affiliated store terminal.

Description

System and method for providing barter brokerage platform services {SYSTEM AND METHOD FOR PROVIDING BARTER BROKERAGE PLATFORM SERVICE}

The present invention relates to a barter brokerage platform, and more specifically, to a system and method for providing a barter brokerage platform service that can activate barter transactions between affiliated stores using cyber money.

Recently, we are facing social chaos and economic crisis due to the emergence of mutant viruses such as Corona.

In particular, small and medium-sized business owners are falling into endless panic under the name of social distancing.

At this point, measures to revitalize small and medium-sized businesses and retail businesses, which are at the forefront of the economic structure, are more urgent than ever.

In response, small and medium-sized business owners promote transactions by selling products through online shopping malls, etc., or use various promotional processes such as telemarketing, which involves sending product catalogs to offline buyers by mail or calling them directly to inform them of the products. We promote products sold in online shopping malls to offline buyers.

However, there were limits to the ability of individuals to independently promote and sell products through online shopping malls.

Therefore, there is a need for the development of a barter brokerage platform that can secure insufficient cash liquidity through barter exchange between small and medium-sized businesses and retail stores, create jobs, and significantly reduce the business closure rate by strengthening the viability of small and medium-sized business owners.

Republic of Korea Patent Publication No. 10-2012-0069989 (2012. 06. 29)

The technical task to be achieved by an embodiment of the present invention is to pay cyber money to new affiliated stores, perform transaction payment approval for transactions between affiliated stores, receive corresponding payment fees, and sell cyber money to affiliated stores and general members. By generating profits through cyber money, we aim to provide a system and process for providing a barter exchange brokerage platform service that can activate barter transactions between affiliated stores, secure cash liquidity, create jobs, and strengthen the viability of affiliated stores using cyber money.

In order to solve the above technical problems, the barter exchange brokerage platform service providing system according to an embodiment of the present invention includes a plurality of affiliated store terminals that are communicated with each other, and a mediation platform server that is communicated and connected to the plurality of affiliated store terminals. In addition, the brokerage platform server pays a basic amount of cyber money to each pre-registered merchant, and when a transaction payment approval request is received from the merchant terminal, it obtains the selling merchant information, purchasing merchant information, and transaction information for the corresponding transaction, and Based on information, purchasing affiliate information, and transaction information, the purchasing affiliate's cyber money amount is deducted corresponding to the transaction amount, the selling affiliate's cyber money amount is added corresponding to the transaction amount, the payment fee corresponding to the transaction is stored, and the transaction is settled. Completion of transaction payment approval corresponding to the approval request can be notified to the affiliated store terminal.

According to one embodiment of the present invention, when paying the basic amount of cyber money, when a request for new member registration is received from the affiliated store terminal, the brokerage platform server obtains basic information for new member registration through the affiliated store terminal, and obtains By storing basic information, you can register a new affiliated store, notify the affiliated store terminal of completion of registration as a new affiliated store, and pay cyber money of the basic amount corresponding to the new affiliated store.

According to one embodiment of the present invention, when paying the basic amount of cyber money, the brokerage platform server may pay by deducting a certain percentage of the franchise fee from the basic amount corresponding to the new affiliated store and store the certain percentage of the franchise fee. .

According to one embodiment of the present invention, when storing the payment fee, the brokerage platform server calculates the payment fee at a certain rate for the transaction amount corresponding to each transaction, and based on the calculated payment fee, makes the purchase corresponding to the purchasing affiliate. The payment fee and the sales payment fee corresponding to the sales affiliate can be stored respectively.

According to one embodiment of the present invention, when a certain period of time expires, the brokerage platform server settles the purchase payment fee and the sales payment fee, respectively, and notifies the corresponding affiliated store terminal of a deposit request for the total amount of the payment fee settled during the certain period. You can.

According to one embodiment of the present invention, when a cyber money purchase is requested from an external terminal including at least one of an individual member and a group member, the brokerage platform server obtains the corresponding external terminal information and the cyber money purchase information, Based on external terminal information and cyber money purchase information, cyber money corresponding to the cyber money purchase price is exchanged. When the cyber money purchase price is deposited from an external terminal, the exchanged cyber money is paid, and transaction settlement for cyber money purchase requests is made. Approval completion can be notified to an external terminal.

According to one embodiment of the present invention, the brokerage platform server acquires transaction information between an external terminal and an affiliated store terminal, calculates the total amount of cyber money used by the external terminal over a certain period of time based on the transaction information, and calculates the total amount of cyber money used by the external terminal over a certain period of time. You can be rewarded at a certain rate for the total amount of cyber money.

According to one embodiment of the present invention, when an external terminal that has purchased cyber money requests a refund for the remaining cyber money, the brokerage platform server calculates the total exchange amount corresponding to the remaining cyber money, and exchanges the amount at a certain rate to the total exchange amount. You can refund the final amount deducted by deducting the refund fee.

According to one embodiment of the present invention, when receiving a cyber money purchase request from an affiliated store terminal, the brokerage platform server acquires the corresponding affiliated store terminal information and cyber money purchase information, and cyber money purchase information based on the affiliated store terminal information and cyber money purchase information. Cyber money corresponding to the money purchase price is exchanged, and when the cyber money purchase price is deposited from the affiliated store terminal, an exchange fee can be deducted at a certain rate from the total amount exchanged and the cyber money of the final deducted amount can be paid.

A method of providing a bartering brokerage platform service according to an embodiment of the present invention is a method of providing a bartering brokerage platform service in a system including a brokerage platform server that is communicated and connected to a plurality of affiliated store terminals, wherein the brokerage platform server provides a bartering service for each pre-registered merchant. A step of paying the basic amount of cyber money, a step where the brokerage platform server obtains the selling affiliate information, purchasing affiliate information, and transaction information for the transaction when transaction payment approval is requested from the affiliated store terminal, the brokerage platform server obtains the selling affiliate information, Based on the purchasing affiliate information and transaction information, the cyber money amount of the purchasing affiliate is deducted corresponding to the transaction amount and the selling affiliate's cyber money amount is added corresponding to the transaction amount. The brokerage platform server stores the payment fee corresponding to the transaction. It may include a step where the brokerage platform server notifies the affiliated store terminal of completion of transaction payment approval corresponding to the transaction payment approval request.

The present invention pays cyber money to new affiliated stores, approves transaction payments for transactions between affiliated stores, receives corresponding payment fees, and generates revenue through the sale of cyber money to affiliated stores and general members, thereby generating cyber money. It has the effect of activating physical transactions between franchises, securing cash liquidity, creating jobs, and strengthening the survival of franchises.

Figure 1 is a block diagram illustrating a barter exchange brokerage platform service provision system according to the present invention.
Figure 2 is a block diagram illustrating a process for providing a transaction payment approval service between affiliated stores within an affiliated group according to the present invention.
Figure 3 is a block diagram illustrating a process for providing a transaction payment approval service between affiliated groups including a plurality of affiliated stores according to the present invention.
4 to 11 are block diagrams for explaining the transaction settlement process of an affiliated store terminal according to the present invention.
Figure 12 is a flowchart illustrating the process of providing a barter exchange brokerage platform service according to the present invention.

Hereinafter, the present invention will be described in more detail with reference to the drawings.

The suffixes “module” and “part” for the components used in the following description are simply given in consideration of the ease of writing this specification, and the “module” and “part” may be used interchangeably.

Furthermore, embodiments of the present invention will be described in detail below with reference to the accompanying drawings and the contents described in the accompanying drawings, but the present invention is not limited or limited by the embodiments.

The terms used in this specification are general terms that are currently widely used as much as possible while considering the function in the present invention, but this may vary depending on the intention or custom of a person skilled in the art or the emergence of new technology. In addition, in certain cases, there are terms arbitrarily selected by the applicant, and in this case, the meaning will be described in the description of the relevant invention. Therefore, we would like to clarify that the terms used in this specification should be interpreted based on the actual meaning of the term and the overall content of this specification, not just the name of the term.

1 is a block diagram illustrating a barter exchange brokerage platform service provision system according to the present invention.

As shown in FIG. 1, the product exchange brokerage platform service providing system of the present invention includes a plurality of affiliated store terminals 200, a plurality of individual member terminals 300, and a plurality of group member terminals 400 that are communicated with each other. , It may include a mediation platform server 100 that is connected to communication with a plurality of affiliated store terminals 200, individual member terminals 300, and group member terminals 400.

Here, the affiliated store terminal 200 is a standing device such as a personal computer (PC), network TV (Network TV), Hybrid Broadcast Broadband TV (HBBTV), Smart TV (Smart TV), Internet Protocol TV (IPTV), etc. ), and mobile devices (mobile devices or handheld devices) such as smart phones, tablet PCs, notebooks, and personal digital assistants (PDAs) may all be included.

In addition, the network connecting communication between the affiliated store terminal 200 and the intermediary platform server 100 includes both wired and wireless networks, between the affiliated store terminal 200 and the intermediary platform server 100 or the intermediary platform server 100. ) refers to a communication network that supports various communication standards or protocols for pairing or/and data transmission and reception between the server and an external server.

These wired/wireless networks include all communication networks that are currently or will be supported in the future according to the standard, and can support one or more communication protocols for them.

These wired/wireless networks include, for example, USB (Universal Serial Bus), CVBS (Composite Video Banking Sync), Component, S-Video (analog), DVI (Digital Visual Interface), HDMI (High Definition Multimedia Interface), Networks and communication standards or protocols for wired connections such as RGB and D-SUB, Bluetooth, RFID (Radio Frequency Identification), infrared data association (IrDA), UWB (Ultra Wideband), and Zigbee (ZigBee), DLNA (Digital Living Network Alliance), WLAN (Wireless LAN) (Wi-Fi), Wibro (Wireless broadband), Wimax (World Interoperability for Microwave Access), HSDPA (High Speed Downlink Packet Access), LTE/LTE -It can be formed by a network for wireless connection, such as Long Term Evolution/LTE-Advanced (A) or Wi-Fi Direct, and its communication standards or protocols.

Additionally, the mediation platform server 100 can support e-mail, web browsing, applications, etc. through these wired/wireless networks.

In addition, the mediation platform server 100 can use a standardized general-purpose OS (Operating System) and Web OS, and can add various services or applications on the general-purpose OS kernel or Linux kernel ( It is possible to process adding, deleting, amending, updating, etc., and through this, a more user-friendly environment can be created and provided.

In addition, the mediation platform server 100 can receive and process external inputs, for example, HDMI (High-Definition Multimedia Interface), PlayStation or X-Box as external inputs. It can include devices such as game devices such as smart phones, tablet PCs, printing devices such as pocket photos, smart TVs, Blu-ray devices, etc. there is.

In addition, the brokerage platform server 100 refers to a system that supplies data to or receives data from the affiliated store terminal 200, individual member terminal 300, and group member terminal 400, and is called a processor. I also do it.

And, the mediation platform server 100 is a portal server that provides a web page, web content or web service, and an advertising server that provides advertising data. (advertising server), content server that provides content, SNS server that provides SNS (Social Network Service), service server provided by the manufacturer, VoD (Video on Demand) or streaming It may include an MVPD (Multichannel Video Programming Distributor) for providing (streaming) services, a service server that provides paid services, etc.

As an embodiment, as shown in FIG. 1, the mediation platform server 100 according to the present invention may include a communication unit 110, a database 120, and a control unit 130.

Here, the communication unit 110 may be connected to a plurality of affiliated store terminals 200, individual member terminals 300, and group member terminals 400 to receive buyer information, seller information, and transaction information.

The communication unit 110 may include at least one of a wireless communication module, a mobile communication module, a wireless Internet module, a short-range communication module, and a location information module.

As an example, the wireless communication module may enable wireless communication between the mediation platform server 100 and the affiliated store terminal 200, the individual member terminal 300, and the group member terminal 400.

In addition, the mobile communication module uses technical standards or communication methods for mobile communication (e.g., Global System for Mobile communication (GSM), Code Division MultiAccess (CDMA), Code Division MultiAccess 2000 (CDMA2000), and EV-DO ( Enhanced Voice-Data Optimized or Enhanced Voice-Data Only), Wideband CDMA (WCDMA), High Speed Downlink Packet Access (HSDPA), High Speed Uplink Packet Access (HSUPA), Long Term Evolution (LTE), Long Term (LTE-A) It is possible to transmit and receive wireless signals with at least one of a base station, an external terminal, and a server on a mobile communication network built according to (Evolution-Advanced), etc.).

Here, the wireless signal may include various types of data according to voice call signals, video call signals, or text/multimedia message transmission and reception.

Next, the wireless Internet module refers to a module for wireless Internet access and is configured to transmit and receive wireless signals in a communication network based on wireless Internet technologies.

Wireless Internet technologies include, for example, WLAN (Wireless LAN), Wi-Fi (Wireless-Fidelity), Wi-Fi (Wireless Fidelity) Direct, DLNA (Digital Living Network Alliance), WiBro (Wireless Broadband), and WiMAX (Worldwide). These include Interoperability for Microwave Access), HSDPA (High Speed Downlink Packet Access), HSUPA (High Speed Uplink Packet Access), LTE (Long Term Evolution), and LTE-A (Long Term Evolution-Advanced).

Next, the short-range communication module is for short-range communication and includes Bluetooth (BluetoothTM), RFID (Radio Frequency Identification), Infrared Data Association (IrDA), UWB (Ultra Wideband), ZigBee, and NFC (Near). Field Communication), Wi-Fi (Wireless-Fidelity), Wi-Fi Direct, and Wireless USB (Wireless Universal Serial Bus) technology can be used to support short-distance communication.

In addition, the location information module is a module for acquiring the location (or current location) of the mediation platform server 100, and examples thereof include a Global Positioning System (GPS) module, a Wireless Fidelity (WiFi) module, and a beacon module. .

For example, when using a GPS module, the brokerage platform server 100 acquires its own location using signals sent from GPS satellites and sends the acquired location information to a plurality of affiliated store terminals 200 and individual member terminals ( 300) and group member terminals (400).

As another example, when using a Wi-Fi module, the mediation platform server 100 acquires its own location based on information from the Wi-Fi module and a wireless AP (Wireless Access Point) that transmits or receives wireless signals. And, the acquired location information may be provided to a plurality of affiliated store terminals 200, individual member terminals 300, and group member terminals 400.

As another example, the brokerage platform server 100 acquires its own location by receiving inaudible sound waves in a specific area using a microphone, and transmits the acquired location information to a plurality of affiliated store terminals 200 and individual member terminals ( 300) and group member terminals 400.

Additionally, the database may store affiliated store member information, general member information, group member information, and cyber money information for each member.

Next, the control unit 130 can process transaction payments between affiliated store terminals 200.

Here, the control unit 130 pays a basic amount of cyber money to each pre-registered affiliated store, and when a transaction payment approval request is received from the affiliated store terminal 200, obtains information on the selling affiliated store, purchasing affiliated store information, and transaction information for the corresponding transaction. Based on the selling affiliate information, purchasing affiliate information, and transaction information, the purchasing affiliate's cyber money amount is deducted corresponding to the transaction amount, the selling affiliate's cyber money amount is added corresponding to the transaction amount, and the payment fee corresponding to the transaction is stored. And, completion of transaction payment approval corresponding to the transaction payment approval request may be notified to the affiliated store terminal 200.

When paying the basic amount of cyber money, when a request for new member registration is received from the affiliated store terminal 200, the control unit 130 obtains basic information for new member registration through the affiliated store terminal 200, and Information can be stored and registered as a new affiliated store, completion of new affiliated store registration is notified to the affiliated store terminal 200, and cyber money of the basic amount corresponding to the new affiliated store can be paid.

As an example, the control unit 130 may obtain basic information including affiliated store information and sale product information from the affiliated store terminal 200 requesting new member registration.

In addition, when paying the basic amount of cyber money, the control unit 130 may pay by deducting a certain percentage of the franchise fee from the basic amount corresponding to the new affiliated store and store the certain percentage of the franchise fee in the database 120.

As an example, the control unit 130 may pay by deducting about 10% of the franchise fee from the basic amount corresponding to the new franchise, but this is only an example and is not limited to this.

In addition, when paying the basic amount of cyber money, the control unit 130 can pay the same amount of cyber money to all new affiliated stores and pay cyber money by deducting the franchise fee at the same rate for all new affiliated stores. there is.

Next, when a transaction payment approval request is received from the affiliated store terminal, the control unit 130 checks whether the transaction payment approval request includes sales affiliated store information, purchasing affiliated store information, and transaction information for the corresponding transaction, and determines whether the transaction payment approval request includes the selling affiliated store information, purchasing affiliated store information, and transaction information. If all information and transaction information are included, the transaction payment approval request can be approved.

Here, the control unit 130 may request the missing information from the affiliated store terminal 200 if any one of the selling affiliated store information, purchasing affiliated store information, and transaction information is missing.

As an example, when requesting missing information, the control unit 130 may create a notification window processed in at least one of text, voice, and video formats and transmit it to the affiliated store terminal 200.

In addition, the control unit 130 measures the time from when the missing information is requested to the affiliated store terminal 200, and if additional information corresponding to the missing information is not received within a preset time, it refuses to approve the transaction payment to the affiliated store terminal 200. You can be notified.

As an example, when notifying a transaction payment approval rejection, the control unit 130 may create a notification window processed in at least one of text, voice, and video formats and transmit it to the affiliated store terminal 200.

In addition, when the control unit 130 obtains the selling affiliated store information, purchasing affiliated store information, and transaction information, it selects the first money corresponding to the purchasing affiliated store from the cyber money list for each affiliated store stored in the database 120 based on the selling affiliated store information and purchasing affiliated store information. Cyber money and the second cyber money corresponding to the selling affiliate are checked, and whether or not to approve the transaction payment is determined based on the amount of the first cyber money. If the transaction payment is approved, the first cyber money amount of the purchasing affiliate is added to the transaction amount. It can be deducted accordingly, and the second cyber money amount of the sales affiliate can be added corresponding to the transaction amount.

Here, when determining whether to approve the transaction payment, the control unit 130 determines to approve the transaction payment if the first cyber money amount corresponding to the purchasing affiliate is greater than or equal to the transaction amount, and if the first cyber money amount corresponding to the purchasing affiliate is greater than or equal to the transaction amount, the control unit 130 determines to approve the transaction payment. If it is less than this, the decision may be made to reject the transaction payment approval.

Additionally, when deciding whether to approve a transaction payment, the control unit 130 may check the history of the past transaction details of the purchasing affiliated store and the selling affiliated store and determine whether to approve the transaction payment based on the past transaction details.

As an example, the control unit 130 may calculate the number of defective transactions in which the transaction credit rating is lower than the standard value during a predetermined period from past transaction history, and if the calculated number of defective transactions is greater than a preset number, the control unit 130 may determine to refuse transaction payment approval.

In addition, when a transaction between affiliated stores is completed, the control unit 130 obtains a transaction satisfaction score from the affiliated stores that performed the transaction for each transaction, calculates a transaction credit rating for each transaction based on the transaction satisfaction score, and calculates the calculated transaction credit rating. can be stored in the database 120 for each transaction for each affiliated store.

Here, the control unit 130 calculates the average value of transaction credit corresponding to transactions over a certain period of time based on the transaction credit rating for each transaction of each affiliated store, and assigns a credit rating to each affiliated store based on the average transaction credit rating. Based on the credit rating assigned, you can decide whether to withdraw membership from the affiliated store.

In some cases, when determining whether to approve a transaction payment, the control unit 130 first determines whether to approve the transaction payment based on the first cyber money amount corresponding to the purchasing affiliated store, and past transaction history of the purchasing affiliated store and selling affiliated store. Based on this, a secondary decision may be made on whether to approve the transaction payment.

Here, when determining whether to approve a transaction payment, the control unit 130 may allow transaction payment approval if both the first decision and the second decision on whether to approve the transaction payment are satisfied.

For example, if the first cyber money amount corresponding to the purchasing affiliated store is greater than the transaction amount, the control unit 130 makes a first decision to approve the transaction payment, checks the history of the past transaction details of the purchasing affiliated store and the selling affiliated store, Among past transaction records, the number of defective transactions with a transaction credit rating lower than the standard value is calculated over a given period of time. If the calculated number of defective transactions is less than the preset number, a second decision is made to approve the transaction payment, and both the first and second decisions are made. If the above transaction payment approval is granted, the transaction payment approval can be finally approved.

As another example, if the first cyber money amount corresponding to the purchasing affiliate is less than the transaction amount, the control unit 130 makes a first decision to reject the transaction payment approval, and if the first decision is to reject the transaction payment approval, it determines whether to approve the payment based on past transaction history. You may decide to immediately refuse to approve the transaction without making a second decision.

As another example, the control unit 130 makes a first decision to approve the transaction payment if the first cyber money amount corresponding to the purchasing affiliate is greater than the transaction amount, and checks the history of the past transaction details of the purchasing affiliate and selling affiliate. , from past transaction history, the number of defective transactions with a transaction credit rating lower than the standard value is calculated during a predetermined period. If the calculated number of defective transactions is more than the preset number, a secondary decision is made to refuse transaction payment approval, between the first and second decisions. If either decision is to reject transaction payment approval, the transaction payment approval may be finally rejected.

As another example, the control unit 130 makes a first decision to refuse transaction payment approval if the first cyber money amount corresponding to the purchasing affiliate is less than the transaction amount, and checks the history of the past transaction details of the purchasing affiliate and selling affiliate. , from the past transaction history, the number of defective transactions with a transaction credit rating lower than the standard value is calculated during a predetermined period. If the calculated number of defective transactions is more than the preset number, a second decision is made to refuse transaction payment approval, and the first and second decisions are made. If all transaction payment approvals are rejected, the transaction payment approval may be finally rejected.

Next, when storing the payment fee, the control unit 130 calculates a payment fee at a certain rate for the transaction amount corresponding to each transaction, and based on the calculated payment fee, provides a purchase payment fee corresponding to the purchasing affiliate and a payment fee to the selling affiliate. The corresponding sales payment fee can be stored for each.

Here, the control unit 130 may calculate a payment fee at a rate of about 10% for the transaction amount corresponding to each transaction, but this is only an example and is not limited thereto.

Additionally, the control unit 130 may calculate a payment fee corresponding to each transaction whenever a transaction is completed between affiliated stores.

Subsequently, when a certain period of time expires, the control unit 130 may calculate the purchase payment fee and the sales payment fee, respectively, and notify the corresponding affiliated store terminal 200 of a request to deposit the total amount of the payment fee settled during the certain period.

Here, the control unit 130 may request deposit of the total payment fee in cash.

Additionally, the control unit 130 may lower the credit rating of the corresponding affiliated store if the deposit for the total payment fee is delayed or rejected.

As an example, the control unit 130 may determine the level of credit rating decline for the affiliated store based on the deposit delay time and the number of deposit rejections for the total payment fee.

Additionally, when the control unit 130 is notified that payment approval for each transaction has been completed, it may request the purchasing affiliated store to deposit the purchase payment fee and request the selling affiliated store to deposit the sales payment fee.

Here, the control unit 130 may request payment of the purchase payment fee and the sales payment fee in cash.

Additionally, the control unit 130 may lower the credit rating of the corresponding affiliated store if the deposit for the payment fee is delayed or rejected.

Next, when a cyber money purchase is requested from an external terminal including at least one of the individual member terminal 300 and the group member terminal 400, the control unit 130 obtains the corresponding external terminal information and cyber money purchase information, , based on external terminal information and cyber money purchase information, cyber money corresponding to the cyber money purchase price is exchanged, and when the cyber money purchase price is deposited from an external terminal, the exchanged cyber money is paid, and transactions are made in response to cyber money purchase requests. Completion of payment approval can be notified to an external terminal.

Here, the control unit 130 can pay cyber money when the cyber money purchase price is deposited in cash from an external terminal.

In addition, the control unit 130 obtains transaction information between an external terminal including at least one of the individual member terminal 300 and the group member terminal 400 and the affiliated store terminal 200, and external terminal based on the transaction information. The total amount of cyber money used by the terminal over a certain period of time is calculated, and the total amount of cyber money used by external terminals can be rewarded at a certain rate.

As an example, the control unit 130 may reward approximately 15% of the total amount of cyber money used by the external terminal, but this is only an example and is not limited thereto.

In addition, when an external terminal that has purchased cyber money requests a refund for the remaining cyber money, the control unit 130 calculates the total exchange amount corresponding to the remaining cyber money, deducts a refund fee at a certain rate from the total exchange amount, and returns the final amount. You can refund the deducted amount.

As an example, the control unit 130 may deduct a refund fee of approximately 20% from the total amount exchanged, but this is only an example and is not limited thereto.

In addition, when receiving a cyber money purchase request from the affiliated store terminal 200, the control unit 130 obtains the corresponding affiliated store terminal information and cyber money purchase information, and calculates the cyber money purchase price based on the affiliated store terminal information and cyber money purchase information. The corresponding cyber money is exchanged, and when the cyber money purchase price is deposited from the affiliated store terminal 200, the exchange fee can be deducted at a certain rate from the total amount exchanged, and the cyber money of the final deducted amount can be paid.

As an example, the control unit 130 may deduct a currency exchange fee of approximately 15% from the total amount exchanged, but this is only an example and is not limited thereto.

As such, the present invention pays cyber money to new affiliated stores, approves transaction payments for transactions between affiliated stores, receives corresponding payment fees, and generates revenue through the sale of cyber money to affiliated stores and general members. , cyber money can be used to activate physical transactions between franchises, secure cash liquidity, create jobs, and strengthen the survival of franchises.

Figure 2 is a block diagram illustrating a process for providing a transaction payment approval service between affiliated stores within an affiliated group according to the present invention.

As shown in Figure 2, affiliated stores within the affiliated group 10 include, for example, an affiliated store 210 selling cafe-related products, an affiliated store 220 selling shoe-related products, and an affiliated store selling bag-related products ( 230), and may include various affiliated stores such as affiliated stores selling glasses-related products (240).

In addition, affiliated stores within the affiliated group (10) sell travel/leisure-related products including franchises that sell culture/life-related products including libraries, movie theaters, bookstores, performance halls, etc., travel agencies, hotels, tours, and rental cars. Includes franchises that sell food/shopping related products, including restaurants, coffee shops, fashion and general stores, etc., and franchises that sell health/hobby related products, including hospitals, oriental medicine clinics, health clubs, and entertainment facilities. can do.

The brokerage platform server 100 of the present invention is connected to a plurality of affiliated store terminals to pay cyber money to new affiliated stores, and when a mutual transaction is made between affiliated stores using cyber money, it performs payment approval processing for the mutual transaction. You may receive a transaction brokerage fee.

In other words, the brokerage platform server 100 pays a basic amount of cyber money to each pre-registered affiliated store, and when a request for transaction payment approval is received from the affiliated store terminal, it obtains the selling affiliated store information, purchasing affiliated store information, and transaction information for the corresponding transaction. , Based on the selling affiliate information, purchasing affiliate information, and transaction information, the purchasing affiliate's cyber money amount is deducted corresponding to the transaction amount, the selling affiliate's cyber money amount is added corresponding to the transaction amount, and the payment fee corresponding to the transaction is stored. , completion of transaction payment approval corresponding to the transaction payment approval request can be notified to the affiliated store terminal.

Here, the affiliated stores within the affiliated group 10 may include affiliated stores located within a certain area, such as an administrative district unit (gu, dong, county, myeon, etc.) set by the government to promote material transactions.

The reason is that when the distance between affiliated stores is too far, the barter transaction rate decreases.

Figure 3 is a block diagram illustrating a process for providing a transaction payment approval service between affiliated groups including a plurality of affiliated stores according to the present invention.

As shown in FIG. 3, the brokerage platform server 100 of the present invention is connected to affiliated groups including a plurality of affiliated stores and performs payment approval processing for mutual transactions between affiliated groups using cyber money. can do.

As an example, the affiliate groups include a first affiliate group 12 including a plurality of affiliated stores located in a first region, a second affiliated group 14 including a plurality of affiliated stores located in a second region, and a third region. It may include a third affiliate group 16 including a plurality of affiliated stores located in , a fourth affiliated group 18 including a plurality of affiliated stores located in the fourth region, and the like.

Here, the affiliated group includes an affiliated group that sells cultural/life-related products including libraries, movie theaters, bookstores, performance halls, etc., an affiliated group that sells travel/leisure-related products including travel agencies, hotels, tours, rental cars, etc., Any of the affiliated groups selling food/shopping-related products, including restaurants, coffee shops, fashion, and general stores, and the affiliated groups selling health/hobby-related products, including hospitals, oriental medical clinics, health clubs, and entertainment facilities. You can.

In some cases, the affiliated groups include a first affiliated group 12 including a plurality of affiliated stores located in a first country, a second affiliated group 14 including a plurality of affiliated stores located in a second country, and a third affiliated group. It may include a third affiliate group 16 including a plurality of affiliated stores located in a country, a fourth affiliated group 18 including a plurality of affiliated stores located in a fourth country, and the like.

In this way, the brokerage platform server 100 of the present invention can perform payment approval processing for physical transactions between a plurality of affiliated stores constituting one affiliated group, and can perform payment approval processing for physical transactions between affiliated groups in each region. Approval processing can also be performed, and payment approval processing can also be performed for material transactions between affiliated groups in each country.

In an embodiment of the present invention, one brokerage platform server 100 can be used as shown in FIG. 3, but a plurality of sub-brokerage platform servers are built according to the number and region of affiliated stores and each sub-brokerage platform is interconnected with each other. You can also control it.

Accordingly, the barter exchange brokerage platform service provision system of the present invention can be expanded to barter trade between individuals, barter trade between regions, and barter trade between countries using cyber money.

4 to 11 are block diagrams for explaining the transaction settlement process of an affiliated store terminal according to the present invention.

As shown in FIG. 4 , when a user input for executing a bartering brokerage platform service providing app is received, the affiliated store terminal may display a bartering intermediary platform service provision window 510 on the display screen.

Next, the affiliated store terminal may input basic information for new member registration through the barter exchange brokerage platform service provision window 510 and request new member registration to the brokerage platform server.

Next, the brokerage platform server acquires basic information for new member registration from the affiliated store terminal, stores the obtained basic information in the database to register as a new affiliated store, notifies the affiliated store terminal of the completion of new affiliated store registration, and sends a message to the new affiliated store. Cyber money of the corresponding basic amount can be paid.

And, as shown in Figure 5, when the affiliated store terminal logs in through the barter exchange brokerage platform service provision window 510, the barter barter brokerage platform service menu window 520 is displayed on the display screen through the authentication process. You can.

As an example, the barter exchange brokerage platform service menu window 520 includes information on the total amount of cyber money held by the affiliated store, guidance information for additional accumulation of cyber money, payment items, payment reception items, affiliated store cyber money items, and employee management. It may contain a menu list including items, sales settlement items, menu management items, store management items, etc.

Next, as shown in FIG. 6 , when a user input for selecting a payment receiving item is received, the affiliated store terminal may display a payment amount input window 530 on the display screen.

As an example, the payment amount input window 530 may include a payment amount input field, a number button, and a confirmation button.

Next, as shown in FIG. 7 , when the payment amount is input, the affiliated store terminal may display a code input window 540 for entering a QR code or authentication code containing affiliated store information on the display screen.

As an example, the code input window 540 may include a QR code input field, an authentication code input field, payment amount information, code input guidance information, and a confirmation button.

Additionally, the affiliated store terminal may transmit a code containing affiliated store information, payment amount information, and a payment approval request to the brokerage platform server through a confirmation button.

Subsequently, when the brokerage platform server receives a payment approval request including affiliated store information and payment amount information, it may add the affiliated store's cyber money amount corresponding to the payment amount based on the affiliated store information and payment amount information.

In addition, as shown in FIG. 8, when a user input for selecting a payment item is received, the affiliated store terminal displays a code input window 550 for entering a QR code or authentication code containing affiliated store information on the display screen. can do.

As an example, the code input window 550 may include a QR code input field, an authentication code input field, code input guidance information, and a confirmation button.

Next, as shown in FIG. 9, the affiliated store terminal may display a payment amount confirmation window 560 on the display screen.

As an example, the payment amount confirmation window 560 may include payment amount information, a payment confirmation message, and a confirmation button.

Next, the affiliated store terminal may transmit a code containing affiliated store information, payment amount information, and a payment approval request to the brokerage platform server through the confirmation button.

Subsequently, when the brokerage platform server receives a payment approval request including affiliated store information and payment amount information, it may deduct the affiliated store's cyber money amount corresponding to the payment amount based on the affiliated store information and payment amount information.

Additionally, the brokerage platform server may store the payment fee corresponding to the transaction and notify the affiliated store terminal of the completion of payment approval corresponding to the payment approval request.

Next, as shown in FIG. 10, the affiliated store terminal may display a payment approval completion window 570 on the display screen.

As an example, the payment approval completion window 570 may include payment approval completion information, payment approval amount information, and a confirmation button.

Next, when the affiliated store terminal receives a user input for selecting an affiliated store cyber money item, it can request the affiliated store cyber money payment details to the brokerage platform server.

And, the brokerage platform server can extract the affiliated store cyber money payment details from the database and transmit them to the affiliated store terminal.

Next, as shown in FIG. 11, the affiliated store terminal may display the affiliated store cyber money payment history window 580 on the display screen based on the affiliated store cyber money payment history.

As an example, the affiliated store cyber money payment history window 580 may include information on the total amount of cyber money purchased by the affiliated store, information on the total amount of cyber money sold by the affiliated store, an inquiry period setting field, and transaction history information corresponding to the inquiry period.

Figure 12 is a flowchart illustrating the process of providing a barter exchange brokerage platform service according to the present invention.

As shown in Figure 12, the present invention can confirm whether the affiliated store terminal is a new affiliated store when the affiliated store terminal requests a login connection through the barter exchange brokerage platform service app (S10).

Here, in the present invention, when a request for new member registration is received from the affiliated store terminal, basic information for new member registration is obtained through the affiliated store terminal, the obtained basic information is stored to register as a new affiliated store, and the new affiliated store is registered through the affiliated store terminal. Completion can be notified.

And, in the present invention, if the affiliated store terminal is a new affiliated store, cyber money of a basic amount corresponding to the new affiliated store can be paid (S20).

Here, in the present invention, a certain percentage of the franchise fee can be deducted from the basic amount corresponding to the new franchise and paid, and a certain percentage of the franchise fee can be stored.

Next, the present invention can check whether there is a transaction payment approval request from the affiliated store terminal (S30).

And, in the present invention, when a transaction payment approval request is received from an affiliated store terminal, information on the selling affiliated store, purchasing affiliated store information, and transaction information for the corresponding transaction can be obtained (S40).

Here, the present invention, when a request for transaction payment approval is received from an affiliated store terminal, checks whether the transaction payment approval request includes selling affiliated store information, purchasing affiliated store information, and transaction information for the corresponding transaction, and collects the selling affiliated store information, purchasing affiliated store information, and Once all transaction information is included, the transaction payment approval request can be approved.

In some cases, the present invention may request the missing information from the affiliated store terminal if any one of the selling affiliated store information, purchasing affiliated store information, and transaction information is missing.

Subsequently, the present invention can subtract the cyber money amount of the purchasing affiliated store corresponding to the transaction amount and add the cyber money amount of the selling affiliated store corresponding to the transaction amount based on the selling affiliated store information, purchasing affiliated store information, and transaction information (S50). .

Here, in the present invention, when sales affiliate information, purchasing affiliate information, and transaction information are obtained, the first cyber money and sales affiliated store corresponding to the purchasing affiliate are obtained from the cyber money list for each affiliate stored in the database based on the selling affiliate information and purchasing affiliate information. Check the corresponding second cyber money, decide whether to approve the transaction payment based on the amount of the first cyber money, and if it is decided to approve the transaction payment, the first cyber money amount of the purchasing merchant is deducted corresponding to the transaction amount, The sales affiliate's second cyber money amount can be added corresponding to the transaction amount.

As an example, in the present invention, when determining whether to approve a transaction payment, if the first cyber money amount corresponding to the purchasing affiliated store is more than the transaction amount, the transaction payment approval is determined, and the first cyber money amount corresponding to the purchasing affiliated store is the transaction amount. If it is less than this, the decision may be made to reject the transaction payment approval.

As another example, when determining whether to approve a transaction payment, the present invention may check the history of the past transaction details of the purchasing affiliate and selling affiliate, and determine whether to approve the transaction payment based on the past transaction details.

Here, the present invention calculates the number of defective transactions in which the transaction credit rating is lower than the standard value during a predetermined period from past transaction history, and if the calculated number of defective transactions is more than a preset number, it can be determined to refuse transaction payment approval.

As another example, the present invention, when determining whether to approve a transaction payment, first determines whether to approve the transaction payment based on the first cyber money amount corresponding to the purchasing affiliate, and past transaction history of the purchasing affiliate and selling affiliate. Based on this, a secondary decision can be made on whether to approve the transaction payment.

Here, the present invention can allow transaction payment approval when both the primary decision and the secondary decision on whether to approve the transaction payment are satisfied.

Next, the present invention can store the payment fee corresponding to the transaction (S60).

Here, the present invention calculates a payment fee at a certain rate for the transaction amount corresponding to each transaction, and stores the purchase payment fee corresponding to the purchasing affiliate and the sales payment fee corresponding to the selling affiliate based on the calculated payment fee, respectively. You can.

In addition, according to the present invention, when a certain period of time expires, the purchase payment fee and the sales payment fee can be separately settled and a request for depositing the total amount of the payment fee settled during the certain period can be notified to the corresponding affiliated store terminal.

Additionally, the present invention can notify the affiliated store terminal of completion of transaction payment approval corresponding to the transaction payment approval request (S70).

Here, in the present invention, when payment approval completion for each transaction is notified, the purchasing affiliate can be requested to deposit the purchase payment fee, and the selling affiliate can be requested to deposit the sales payment fee.

Next, the present invention checks whether there is a request to terminate the barter exchange brokerage platform service (S80), and if there is a request to terminate the barter barter platform service, provision of the barter brokerage platform service can be terminated.

In addition, the present invention obtains the corresponding external terminal information and cyber money purchase information when a cyber money purchase is requested from an external terminal including at least one of an individual member and a group member, and obtains the external terminal information and cyber money purchase information. Based on this, cyber money corresponding to the cyber money purchase price is exchanged, and when the cyber money purchase price is deposited from an external terminal, the exchanged cyber money is paid, and the completion of transaction payment approval for the cyber money purchase request can be notified to the external terminal. there is.

In addition, the present invention obtains transaction information between an external terminal and an affiliated store terminal, calculates the total amount of cyber money used by the external terminal over a certain period of time based on the transaction information, and calculates the total amount of cyber money used by the external terminal in a certain ratio to the total amount of cyber money used by the external terminal. You can get a reward.

In addition, the present invention, when an external terminal that purchased cyber money requests a refund for the remaining cyber money, calculates the total exchange amount corresponding to the remaining cyber money, deducts a refund fee at a certain rate from the total exchange amount, and calculates the final amount deducted. The amount can be refunded.

In addition, the present invention, upon receiving a cyber money purchase request from an affiliated store terminal, obtains corresponding affiliated store terminal information and cyber money purchase information, and generates cyber money corresponding to the cyber money purchase price based on the affiliated store terminal information and cyber money purchase information. When the cyber money purchase price is deposited from the affiliated store terminal, the exchange fee can be deducted at a certain rate from the total amount exchanged and the cyber money of the final deducted amount can be paid.

As such, the present invention pays cyber money to new affiliated stores, approves transaction payments for transactions between affiliated stores, receives corresponding payment fees, and generates revenue through the sale of cyber money to affiliated stores and general members. , cyber money can be used to activate physical transactions between franchises, secure cash liquidity, create jobs, and strengthen the survival of franchises.

The above-described present invention can be implemented as computer-readable code on a program-recorded medium.

Computer-readable media includes all types of recording devices that store data that can be read by a computer system.

Examples of computer-readable media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, and optical data storage devices, and are also implemented in the form of a carrier wave (e.g., transmitted via the Internet). It also includes

The features, structures, effects, etc. described in the present inventions above are included in at least one embodiment of the present invention, and are not necessarily limited to only one embodiment. Furthermore, the features, structures, effects, etc. illustrated in each embodiment can be combined or modified and implemented in other embodiments by a person with ordinary knowledge in the field to which the embodiments belong. Therefore, contents related to such combinations and modifications should be construed as being included in the scope of the present invention.

In addition, although the above description has been made focusing on the examples, this is only an example and does not limit the present invention, and those skilled in the art will understand the above examples without departing from the essential characteristics of the present embodiment. You will be able to see that various modifications and applications are possible. For example, each component specifically shown in the examples can be modified and implemented. And these variations and differences in application should be construed as being included in the scope of the present invention as defined in the appended claims.

100: Brokerage platform server
110: Department of Communications
120: database
130: control unit
200: Affiliated store terminal
300: Personal member terminal
400: Group member terminal

Claims (10)

A plurality of affiliated store terminals that communicate with each other; and,
It includes a mediation platform server that is connected to communication with the plurality of affiliated store terminals,
The mediation platform server,
A basic amount of cyber money is paid to each pre-registered affiliated store, and when a transaction payment approval request is received from the affiliated store terminal, the selling affiliated store information, purchasing affiliated store information, and transaction information for the corresponding transaction are obtained. And based on the transaction information, the cyber money amount of the purchasing affiliate is deducted corresponding to the transaction amount, the cyber money amount of the selling affiliate is added corresponding to the transaction amount, a payment fee corresponding to the transaction is stored, and the transaction payment is approved. A system for providing a product exchange brokerage platform service, characterized in that it notifies the affiliated store terminal of completion of transaction payment approval corresponding to the request. According to claim 1,
The mediation platform server,
When paying cyber money of the basic amount, if a request for new member registration is received from the affiliated store terminal, basic information for new member registration is obtained through the affiliated store terminal, and the obtained basic information is stored to register as a new affiliated store. A system for providing a product exchange brokerage platform service, which notifies the affiliated store terminal of completion of new affiliated store registration, and pays a basic amount of cyber money corresponding to the new affiliated store. According to clause 2,
The mediation platform server,
When paying the basic amount of cyber money, a certain percentage of the franchise fee is deducted from the basic amount corresponding to the new affiliated store and paid, and the certain percentage of the franchise fee is stored. A system for providing a bartering brokerage platform service. According to claim 1,
The mediation platform server,
When storing the payment fee, a payment fee is calculated at a certain rate for the transaction amount corresponding to each transaction, and based on the calculated payment fee, a purchase payment fee corresponding to the purchasing affiliate and a sales payment corresponding to the selling affiliate are made. A barter exchange brokerage platform service provision system characterized by storing each commission. According to clause 4,
The mediation platform server,
When a certain period of time arrives, the purchase payment fee and the sales payment fee are each settled, and a request for deposit for the total amount of the payment fee settled during the certain period is notified to the corresponding affiliated store terminal. system. According to claim 1,
The mediation platform server,
When a cyber money purchase is requested from an external terminal that includes at least one of an individual member and a group member, the corresponding external terminal information and the cyber money purchase information are obtained, and cyber money is purchased based on the external terminal information and the cyber money purchase information. Exchange cyber money corresponding to the money purchase price, pay the converted cyber money when the cyber money purchase price is deposited from the external terminal, and notify the external terminal of completion of transaction payment approval for the cyber money purchase request. A barter exchange brokerage platform service provision system characterized by: According to clause 6,
The mediation platform server,
Obtain transaction information between the external terminal and the affiliated store terminal, calculate the total amount of cyber money used by the external terminal over a certain period of time based on the transaction information, and reward at a certain rate for the total amount of cyber money used by the external terminal. A barter exchange brokerage platform service provision system characterized in that: According to clause 6,
The mediation platform server,
When the external terminal that purchased the cyber money requests a refund for the remaining cyber money, the total exchange amount corresponding to the remaining cyber money is calculated, a refund fee is deducted at a certain rate from the total exchange amount, and the final deducted amount is refunded. A barter exchange brokerage platform service provision system characterized in that: According to clause 6,
The mediation platform server,
Upon receiving a cyber money purchase request from the affiliated store terminal, obtain the corresponding affiliated store terminal information and the cyber money purchase information, and exchange cyber money corresponding to the cyber money purchase price based on the affiliated store terminal information and the cyber money purchase information. And, when the cyber money purchase price is deposited from the affiliated store terminal, a currency exchange fee is deducted at a certain rate from the total exchange amount and the cyber money of the final deducted amount is paid. A system for providing a bartering brokerage platform service. In a method of providing a bartering brokerage platform service in a system including a brokerage platform server that is communicated and connected to a plurality of affiliated store terminals,
The brokerage platform server paying a basic amount of cyber money to each pre-registered affiliated store;
The brokerage platform server, when transaction payment approval is requested from the affiliated store terminal, obtaining information on the selling affiliated store, purchasing affiliated store information, and transaction information for the corresponding transaction;
Deducting, by the brokerage platform server, the cyber money amount of the purchasing affiliated store corresponding to the transaction amount based on the selling affiliated store information, purchasing affiliated store information, and transaction information, and adding the cyber money amount of the selling affiliated store corresponding to the transaction amount;
The brokerage platform server storing a payment fee corresponding to the transaction; and
A method for providing a bartering brokerage platform service, comprising the step of notifying, by the brokerage platform server, completion of transaction payment approval corresponding to the transaction payment approval request to the affiliated store terminal.

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