WO2016159594A1 - 소비 연동 금리변동형 금융상품 제공 시스템 - Google Patents

소비 연동 금리변동형 금융상품 제공 시스템 Download PDF

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Publication number
WO2016159594A1
WO2016159594A1 PCT/KR2016/003085 KR2016003085W WO2016159594A1 WO 2016159594 A1 WO2016159594 A1 WO 2016159594A1 KR 2016003085 W KR2016003085 W KR 2016003085W WO 2016159594 A1 WO2016159594 A1 WO 2016159594A1
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WO
WIPO (PCT)
Prior art keywords
interest rate
user
payment
financial product
consumption
Prior art date
Application number
PCT/KR2016/003085
Other languages
English (en)
French (fr)
Inventor
남기원
Original Assignee
남기원
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 남기원 filed Critical 남기원
Priority to CN201680018846.5A priority Critical patent/CN107408266A/zh
Priority to US15/561,825 priority patent/US20180114266A1/en
Priority to JP2017550164A priority patent/JP6480596B2/ja
Priority to EP16773375.7A priority patent/EP3282415A4/en
Publication of WO2016159594A1 publication Critical patent/WO2016159594A1/ko

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/29—Payment schemes or models characterised by micropayments

Definitions

  • the present invention relates to a system for providing variable interest rate-linked financial products, which prescribes in detail purchase factors, such as goods, services or distributors, for the user's future unavoidable consumption. It relates to a system for providing a fixed rate interest rate variable financial product, which enables savings or prepayments to set values freely, and allows a certain conditional amount of payments to be paid to the seller.
  • the user prepays purchase elements, such as a target product, service, or vendor, performs a deposit or prepayment that freely sets detailed settings for the payment, and the producer pays a certain amount of payment to the seller.
  • the system provides a consumer-linked interest rate variable financial product offering system that enables the economic interests of each subject to be achieved quickly by applying the preliminary interest rate, the prepayment support rate, and the prepayment rate for the purchase of goods or services. Its purpose is to provide.
  • the user can view the consumption linked interest rate information provided by a plurality of payment cost payers, and the user can specify a specific payment cost payer.
  • a sales company server 6 which is prepaid from the product providing server 10; Consumption-linked interest rate
  • the variable-linked interest rate information of each vendor for the deposit or savings product is received and registered by the user for viewing, and the user receives the user's subscription signal and subscription condition information, and the user prepaid signal.
  • a consumer linked interest rate variable financial product providing system is provided which comprises a consolidated financial product providing server 10 which processes payment of expenses with a sales company server 6 and provides a consumer linked interest rate on the user side.
  • the payment payment source is a seller, a producer, a seller or a producer related to a product category, or a seller or producer involved in the manufacture or sale of a particular product.
  • a system for providing interest rate variable financial products is provided.
  • the consumption-linked interest rate is the cash interest rate incurred in cash deposits; the pre-purchase support rate, which is the amount supported for the purchase of a particular product; and when the prepayment for a particular product is made, Consolidated interest rate variable, characterized by consisting of prepayment rates for amounts A financial product providing system is provided.
  • the integrated financial product providing server 10 receives a deposit or deposit amount processed by the integrated financial product providing server 10, and performs a credit processing to the payment cost payment destination.
  • a system for providing a consumption-linked variable-rate financial product is provided, which is characterized in that it is further configured.
  • the subscription condition information for the consumption linked interest rate variable deposit product or the savings product is a condition set by the user, selection information on whether the deposit product or the savings product, and the deposit amount information for the deposit product.
  • a system for providing consumption-linked interest rate variable financial products which is characterized by setting expiration periods and payment setting information.
  • the user terminal 2 is connected to the integrated financial product providing server 10.
  • consumption-linked variable rate financial instruments characterized by the display of the UI to be connected, the selection of product or input of setting values, interest rate information, terms of use, check balances, and transfers; A system is provided.
  • the integrated financial product providing server 10 in the case of a consumption-linked interest rate variable deposit or savings product that can be withdrawn at any time, provides a consumption rate of a fixed rate for the balance, and minimizes the withdrawal restriction of the user.
  • a system for providing consumer-linked interest rate variable financial instruments which is characterized by processing to pay different interest rates.
  • the integrated financial product providing server 10 includes a pay rate calculation unit 24 for calculating the consumption linked rate according to the setting information set by the user when depositing a user's deposit or deposit amount.
  • a pay rate calculation unit 24 for calculating the consumption linked rate according to the setting information set by the user when depositing a user's deposit or deposit amount.
  • the integrated financial product providing server 10 includes a cost prepayment processor 26 for processing the cost prepayment according to a pre-registered condition when depositing a user's deposit or deposit amount.
  • a linked interest rate variable financial product provision system is provided.
  • the integrated financial product providing server 10 has a consumption linkage therein.
  • a user information management unit (16) that registers and manages a user or a seller or a seller's information for receiving or receiving support for a user of a variable rate interest rate variable financial product;
  • a financial product selection unit (18) for providing interest rate variable financial instruments;
  • an option input unit (20) for setting options such as the expiration date, payment amount, value of a bank, and minimum amount of withdrawal limit of the financial instrument selected by the user;
  • a user-specific limit-of-use setting section 22 for setting a minimum amount of withdrawal limit; storing user and seller and producer information, storing consumption-linked interest rate variable financial products, subscription information, prepaid amount deposit information and payment information;
  • a data storage unit 28 for storing; or targeting a specific seller of the user Includes a control unit (30) that pays users the preliminary interest rates and pre-purchase support interest rates and prepayment interest rates for prepayment for future purchases of goods or product categories, and controls the prepayment amount to be prepaid to the appropriate seller or producer.
  • a system for providing a consumer-linked interest rate variable financial product is
  • the integrated financial product providing server 10 sells or produces the same to the user.
  • a system for providing variable financial products for consumption-linked interest rates which is characterized by providing the average consumption-linked interest rate for all products.
  • the user-specified payment costs are specified categories.
  • the integrated financial product providing server 10 is provided with a consumer-linked interest rate variable financial product providing system, characterized by providing the user with the average consumption-interested interest rate of the goods belonging to the category.
  • the integrated financial product providing server 10 may provide the user with a consumption-linked interest rate specific to the product or service.
  • a system for providing consumer interest-linked variable rate financial products is provided.
  • a category of payment for a payment seller or a specific manufacturer or if a category is specified in the state where the seller or producer is specified, or a specific product within the category is specified.
  • a system for providing consumption-linked interest rate variable financial products which is characterized in that different consumption-linked interest rates are provided.
  • a system for providing a consumption-linked interest rate variable financial product wherein the pre-purchase rate and the prepayment rate are different for each producer or seller.
  • the integrated financial product providing server 10 is provided with a consumption-linked interest rate variable financial product providing system, characterized in that the larger the withdrawal limit minimum amount is, the additional interest rate is given.
  • the integrated financial product providing server 10 processes the payment amount to be set by the user for each payment cost payer, and the integrated financial product providing server 10 transfers the user's deposit amount to each payment cost payment by the set ratio. There is provided a system for providing consumer financial services with variable interest rates.
  • the fixed amount is divided by each payment source and integrated by the user.
  • the financial product providing server 10 processes, and the integrated financial product providing server 10 pays the user's deposit amount to each payment cost payer for each set ratio, and processes the amount below the fixed balance amount to be withdrawn.
  • a consumer-interest rate variable financial product offering system is provided.
  • the present invention provides the user with access to consumption-interested interest rate information presented by a large number of payment cost providers, and prepays a certain amount of money for a specific payment cost payment user specified by cash or credit card.
  • the user terminal (2) and; register the consumption interlocking interest rate information in the integrated financial product providing server (10) to transmit the consumption interlinked interest rate information for each vendor for the consumption-linked interest rate variable product or service to the user terminal (2) side; Integrated financial products
  • Seller server 6 which is prepaid from the providing server 10, and the consumer linked interest rate information of each seller for the consumer linked interest rate variable product or service, and registered by the user for viewing, and the user's product or service selection signal. And receive and register a payment signal, process payments to the vendor server 6 according to the user's prepayment signal, and provide a consumer-linked interest rate to the user side.
  • a consumer linked interest rate variable financial product providing system is provided, which is characterized by comprising a providing server 10.
  • a consumption-linked interest rate variable financial product comprising a prepayment rate for the amount prepaid to the seller.
  • the cash advance payment amount to be processed by the integrated financial product providing server 10 is processed, and the credit server advance payment amount to be processed by the financial server 4 to perform credit processing to the payment cost payer.
  • the credit card company server that performs credit processing to the payment cost payment destination is further configured in connection with the integrated financial product providing server 10.
  • the user terminal 2 is connected to the integrated financial product providing server 10.
  • consumer-linked floating rate variable financial products characterized by having a financial product linked application (8) to access the UI, input product selection information, view or transfer interest rate information, and output balance information after actual product purchase
  • a financial product linked application (8) to access the UI, input product selection information, view or transfer interest rate information, and output balance information after actual product purchase
  • the consolidated financial product providing server 10 calculates and provides a consumption-linked interest rate variable financial instrument for the fixed balance after the purchase of the actual product is made.
  • a provisioning system is provided.
  • the integrated financial product providing server 10 cumulatively calculates a daily interest rate when a user passes the cash prepayment late for future consumption, and when actual consumption occurs.
  • the consumer-linked interest rate variable financial product providing system which includes an interest rate management unit 62 which provides interest rate support for the consumption amount and performs interest rate management to provide an advance payment rate for the balance after settlement. Is provided.
  • the integrated financial product providing server 10 designates a plurality of payment cost payment destinations
  • the user's settlement amount is divided into sales ratios, and thus the consumption-linked interest rate fluctuations are characterized.
  • a system for providing financial instruments is provided.
  • the integrated financial product providing server 10 divides the payment amount of the user by the ratio of sales, if the user designates a plurality of payment costs.
  • Consumption-linked interest rate variable financial product offering system is provided, which is characterized by processing so that the requested payment is not exceeded.
  • the integrated financial product providing server 10 divides the payment amount of the user into a larger amount if the user's credit rate is large to reflect the creditability of each payment cost payer.
  • Provided is a system for providing consumer financial services with variable interest rates.
  • a consumer linked interest rate variable financial product providing system is provided, including a payment information management section 58 that manages prepayment information for a consumer.
  • the integrated financial product providing server 10 further includes a company-payment amount calculation processing unit 60 which calculates and processes each company's payment amount by dividing the user's prepaid amount by a fixed ratio for the company designated by the user.
  • a company-payment amount calculation processing unit 60 which calculates and processes each company's payment amount by dividing the user's prepaid amount by a fixed ratio for the company designated by the user.
  • the integrated financial product providing server 10 is pre-payment of the user in advance
  • a system for providing a consumption linked interest rate variable financial product which includes a cost prepayment processor 64 for processing the cost prepayment in accordance with the registered conditions.
  • the integrated financial product providing server 10 performs fee processing in connection with the card company server so that the card fee of the company is incurred when the user consumes the card in advance for future consumption.
  • a system for providing a consumer-linked interest rate variable financial product is provided.
  • the pre-purchase assistance rate is at the time of purchase of the actual product or service.
  • a consumer-linked interest rate variable financial product providing system is provided that is characterized by an interest rate paid to a user.
  • the prepaid interest rate variable financial product providing system is characterized in that the prepaid interest rate is the interest rate paid to the user according to the period of use of the settlement funds from the point of payment to the company to the point of purchase of the actual product or service. do.
  • the prepaid interest rate variable financial product offering system is characterized in that the longer the interest rate is provided to the user, the longer the period from the time the payment is made to the entity to the actual product or service purchase time is provided. do. Effects of the Invention
  • the system for providing variable interest rate variable financial products allows users to pre-pay for future consumption, category, seller and prepayment, and to consume different prepayments and prepayments, including cash interest rates.
  • the interlocked interest rate can be provided, so it is very economically profitable in the era of ultra low interest rates, and the seller can anticipate future sales, and can plan various procedures such as facility expansion, manpower reinforcement, and space reservation according to various methods.
  • the prepayment amount of the user can be paid in advance, so that the funds can be reliably circulated for short-term necessary funds.
  • the server automatically monitors the consumption and recalculates the consumption linked rate against the user's deposit balance. High convenience
  • FIG. 1 shows a consumption-linked variable rate financial product according to the first embodiment of the present invention.
  • FIG. 2 is a consumption-linked variable rate financial product according to the first embodiment of the present invention.
  • Figure 3 provides a consumption-linked variable rate financial products according to the first embodiment of the present invention
  • Fig. 4 illustrates the principle of change in pre-purchase rate and pre-payment rate through the system
  • Fig. 4 provides consumption-linked variable rate financial products according to the first embodiment of the present invention.
  • Figure 6 provides a consumption-linked variable rate financial products according to the first embodiment of the present invention
  • Block diagram showing the configuration of the integrated financial product providing server included in the system
  • Figure 7 provides a consumption-linked variable rate financial products according to the second embodiment of the present invention
  • FIG. 10 shows a consumption-linked variable rate financial product according to the third embodiment of the present invention.
  • the consumption linked interest rate variable financial product providing system prescribes a purchase element such as a user-targeted product, a service, or a seller, and pays for the inevitable future consumption.
  • the preliminary interest rate and the pre-purchase rate for the purchase of goods or services and the pre-payment rate for the purchase of goods or services are applied by performing a deposit or prepayment that freely sets the detailed set values for the payment. It is a system that has a large economic benefit for each subject and allows for quick processing of financial products.
  • the system provides the seller with greater benefit for the corresponding consumer by making a pre-purchase decision on the product or service selected by the user, and paying the prepayment amount through a deposit or deposit on the product or service selected by the user directly to the source of the product or service. It's a system that makes it possible to offer consumers.
  • the consumer-linked interest rate variable financial product providing system provides the user with the consumption-linked interest rate information presented by a plurality of payment cost payers, and the user-specified information. It includes a user terminal (2) for inputting subscription condition information and generating a subscription signal in a consumption-linked interest rate variable deposit product or a deposit product that is paid for a specific payment cost payer.
  • the consumption-linked variable rate financial products are provided.
  • the system is connected to the user terminal (2) side, the consumption interest rate variable type deposit products or Register the consumer interest rate information on the integrated financial product providing server 10 so as to transmit consumption linked interest rate information for each vendor for the savings product, and pay the user's settlement costs by the corresponding consumption rate variable deposit products or savings products.
  • a vendor server 6 that is prepaid from the integrated financial product providing server 10.
  • the system receives the consumption linked interest rate information of each vendor for consumption linked interest rate reserve products or savings products and registers them for the user to view them, receives and registers the user's subscription signal and subscription condition information, and the user's prepayment signal. And a consolidated financial product providing server 10 which processes the payment by the vendor server 6 and provides the consumer linked interest rate on the user side.
  • the payment cost payer is required to pay the user's prepaid costs, and may be used for the manufacture or sale of a seller, a manufacturer, a seller, a manufacturer, or a specific product related to a product category. This may be the relevant vendor or producer.
  • the payment cost payment source may be an e-mart or a large mart such as Lotte Mart, or may be a manufacturer such as Samsung Electronics, and a product category selected further with a seller or a manufacturer specified ( Yes, it may be a category of white appliances belonging to a particular large mart, or a more specific product (eg a TV sold in a particular large mart). '
  • the User may decide to purchase the Goods at a particular Distributor, and
  • the prepayment is made by deposit or deposit by deciding to purchase the goods in a specific category belonging to the seller, the funds prepaid by the user are divided and paid to the seller of the goods belonging to the category.
  • the user may decide to purchase the goods from a particular distributor,
  • the funds prepaid by the user shall be paid to the number of vendors in the category, so that the seller divides the costs among the number of suppliers.
  • the consumption linked rate provided to the user through the consumption linked rate variable financial product providing system and the cash rate incurred in the cash deposit and the amount of money supported at the time of advance purchase for a specific product.
  • Cash interest rates are deposits made by general commercial financial institutions for deposits or deposits.
  • the pre-purchase support interest rate is the interest rate offered by the seller by determining that the seller's product will be purchased in the near future, and the seller can anticipate future sales, so that the firm can produce, distribute and market in advance. Strategy to establish economic profits and part of the margins
  • the prepayment interest rate is determined in advance by the user at a later date in which the purchaser decides the future purchase for a particular product, and the seller who sells or produces the specific product is paid by the producer in advance for the production or sale.
  • the seller or producer who needs the funds can provide the consumer with the interest rate for that payment, as some kind of loan rate.
  • the prepayment rate should be at least less than the credit loan rate of the city bank.
  • Payment rates can be presented differently for each producer or seller.
  • each producer or seller may present a very high prepayment rate and a prepayment rate in order to sell the product with a significantly reduced margin. Since a certain amount of future sales may already be secured, the seller selling the product may not present excessive prepayment rates and prepayment rates.
  • the system receives a deposit or deposit amount processed by the integrated financial product providing server 10, and a financial server 4 which performs credit processing to the payment cost paying station can be associated with the integrated financial product providing server 10. have.
  • the integrated financial product providing server 10 may be stored in a financial institution.
  • the integrated financial product providing server 10 processes the transfer, payment, and payment processing on behalf of the financial server 4. ) Is included in the integrated financial product providing server (10).
  • the integrated financial product providing server 10 may directly connect
  • Financial processing may also be carried out.
  • the integrated financial product providing server 10 may perform a financial function.
  • the user makes a pre-purchase decision by performing a product selection setting such as a company designation or a category designation or a product designation.
  • prepayment must be made at the same time.
  • the user must choose a prepayment method, and the user must join the above-mentioned fixed rate variable deposit products or savings products.
  • the condition information is a condition set by the user, selection information on whether the deposit product or the deposit product, and the deposit amount information for the deposit product, the expiration period setting and the payment setting information for the deposit product.
  • the saving method it is prepayment, but it does not mean prepayment of the total amount of the product, but means prepayment in advance by schedule.
  • the user must set an expiration date and a monthly payment amount.
  • the present invention allows a seller or producer such as E-mart, GS-mart, Lotte Mart, Samsung Electronics, LG Electronics, etc. to launch a dedicated card.
  • the user terminal 2 is connected to the integrated financial product providing server 10.
  • a financial product interworking application (8) for displaying the UI, selecting a product or inputting a set value, interest rate information, conditions of use, checking balances, and transferring money is installed to facilitate information checking and setting.
  • the consumption-linked variable rate financial products are provided.
  • the system allows a user who has subscribed to a consumption linked interest rate variable deposit product or savings product to withdraw and withdraw the deposit or deposit amount from time to time, and the integrated financial product providing server 10 recalculates the resulting consumption linked rate. do.
  • the integrated financial product providing server 10 can be linked to the consumer can be withdrawn at any time
  • variable rate deposits or savings products a fixed percentage of the consumption-linked interest rate for the balance shall be provided, and other interest rates shall be processed according to the user's withdrawal limit.
  • the consumption-interest rate table 02 which records the operation, is configured in the integrated financial product providing server 10.
  • the consumption-interest rate table 12 shows the savings-payment difference, and the side includes the monthly payment amount display section 12a. , A cumulative balance on the side
  • a display portion 12b is configured, and a support interest rate display portion 12c in which the support rate is displayed is configured.
  • the interest rate is the sum of the above-mentioned cash rate and pre-purchase support rate plus the prepayment rate.
  • the use amount display portion 12d since the use amount display portion 12d is formed on the side of the support interest rate display portion 12c, the use amount display portion 12d indicates the amount of usage that the user has withdrawn from time to time. Indicates that it can be withdrawn from time to time.
  • an actual balance display section 12e for displaying the actual balance remaining after subtracting the usage amount from the user's accumulated balance is formed on the side portion of the spent amount display portion 12d, and the final supported interest rate display portion 12f. ) Is configured.
  • the integrated financial product providing server 10 is connected to the actual balance display unit 12e.
  • the consumption-linked interest rate is calculated, and the consumption-linked interest rate is calculated by converting it to the amount of each period at the interest rate suggested by the relevant company (for example, 15%).
  • the integrated financial product providing server (10) is set to the minimum withdrawal limit for the fixed amount of the user's balance, the fixed amount is fixed to prevent withdrawal, the fixed amount is to produce or sell the product. Can be prepaid to the producer or seller side, providing the basis for providing additional interest to the user.
  • the integrated financial product providing server 10 provides a consumption-linked interest rate of a certain ratio for the balance, and processes to pay different interest rates by setting a minimum withdrawal limit of the user.
  • the consumption-linked interest rate for 730,000 won is calculated.
  • the integrated financial product providing server 10 processes the additional interest rate to be granted as the withdrawal limit minimum amount is larger.
  • FIG. 5 provides consumption-linked variable rate financial products according to the first embodiment of the present invention.
  • the consumption linked interest paid by the consumer linked interest rate variable financial product providing system as described above, the cash interest rate, the pre-purchase support interest rate, and the prepaid interest rate. It is divided into consumption linkage
  • the consumption linked interest rate may be used after all the cash is used, or the consumption linked interest rate may be used at a fixed rate of cash use.
  • the consolidated financial product providing server 10 is set so that the consumption linked rate of 10% of the cash can be used, and the total available amount is 600,000 won, of which the cash amount is 500,000 won. If the combined interest rate is 100,000 won, as shown in Fig. 5, when the price of a specific product is 550,000 won, it is not possible to use 100,000 won of consumption rate and 450,000 won of cash, and 50,000 won of consumption linked rate of 5% is available. You can use 500,000 won in cash.
  • the integrated financial product providing server 10 may be set such that the consumption-linked interest rate may be used after all the cash is used. This is between the user, the enterprise, and the integrated financial product providing server 10. Depending on the agreement, it is advisable to use a fixed rate of consumption-linked interest rates for cash, as described above.
  • FIG. 6 shows a consumption-linked variable rate financial product according to the first embodiment of the present invention.
  • the integrated financial product providing server 10 included in the consumer-linked interest rate variable financial product providing system has a communication module, a member information management department, and a financial product therein. It includes a selection unit, an option input unit, a limit value setting unit for each user, an interest rate calculation unit, a cost prepayment processing unit, a data storage unit, and a control unit.
  • Reference numeral 14 denotes a user terminal 2, in particular, mounted on the user terminal 2;
  • Reference numeral 16 is a member information management unit that registers and manages users who have subscribed to consumer interest rate variable financial instruments and producer or seller information to receive or receive support for the amount of consumption rate interest rate variable financial instruments.
  • reference numeral 18 denotes a financial instrument that provides a user-selectable consumption rate variable financial instrument. The selection section 18 is shown.
  • reference numeral 20 denotes an option input section 20 for setting options such as the expiration date, payment amount, value amount, minimum amount of withdrawal limit of the financial instrument selected by the user, and reference numeral 22 denotes withdrawal restriction by user.
  • a usage limit amount setting section 22 for each user for setting the minimum limit amount is shown.
  • Reference numeral 24 denotes a pay interest rate calculation unit 24 for calculating the consumption linked rate according to the user's setting information when depositing a user's deposit or savings amount.
  • the consumption-interest rate table 12 is used to calculate interest rates while recording payments and balances.
  • Reference numeral 26 denotes a cost prepayment processor 26 for processing the cost prepayment according to pre-registered conditions when depositing a user's deposit or deposit, the reference 28 stores user and seller and producer information, It shows a data storage unit 28 for storing consumption-linked interest rate variable financial products and subscription information, prepaid amount payment information and payment information.
  • Reference numeral 30 pays users the preliminary interest rates and prepayment interest rates and prepayment interest rates for prepayments targeted to a particular seller of the user or for a commitment to future purchases for a particular product or category of goods, and covers the prepayment amount.
  • the control unit 30 controls the prepayment to the seller or the producer.
  • FIG. 7 is a diagram illustrating a principle of user setting and payment of a prepaid amount through a consumer-linked interest rate variable financial product providing system according to a second embodiment of the present invention.
  • the consumer-linked interest rate variable financial product providing system allows the user to subscribe to a future purchase product or a package financial product to a purchaser to make a deposit or deposit payment method. In this case, it is necessary to set the standard for the integrated financial product providing server (10).
  • the integrated financial product providing server 10 pays the prepaid amount to the payment cost provider on several basis.
  • the first is when the user sets the amount or the rate to pay for each payment source.
  • the integrated financial product providing server 10 divides and pays the amount paid by the user based on the sales ratio of each payment cost payer.
  • the payment processing is performed within the payment request amount requested by the payment cost payer, for example, when the specific payment cost payer does not feel the need for a separate cost prepayment due to the high liquidity.
  • the product providing server 10 excludes the payment cost payer from the target.
  • the third method is that the integrated financial product providing server 10 reflects the payment ratio by using the credit that the financial institution has previously granted to the payment cost payer. It is natural that the higher the credit, the higher the payment rate.
  • the integrated financial product providing server 10 processes the payment amount to be set by the user for each payment cost payer, and the integrated financial product providing server 10 transfers the user's deposit amount to each payment cost payment by the set ratio. Advance payment is possible.
  • an integrated financial instrument for setting the balance between the fixed amount of the balance for each payment cost payer and setting the user
  • the providing server 10 processes, the integrated financial product providing server 10 pays the user's deposit amount to each payment cost payer by the set ratio, and the amount below the fixed balance can be processed so that it cannot be withdrawn. .
  • the integrated financial product providing server 10 specifies a plurality of settlement cost payment destinations, the settlement amount of the user can be divided by the sales ratio.
  • the integrated financial product providing server 10 specifies a plurality of payment cost payment destinations
  • the user's payment amount is divided by the sales ratio and prepaid, and the total payment amount for each company is applied by the company. Make sure you do not exceed your payment.
  • the payment amount of the user reflects the creditability of each payment cost payment destination, and if the credit is large, the payment is made in advance. Can be processed
  • the consumer linked interest rate variable financial product providing system provides the user with the consumption linked interest rate information presented by a plurality of payment cost payers, and the user specified A user terminal (2) for prepaying a predetermined fee for a specific payment cost payer with cash or a credit card; and the user's terminal (2) 's consumption linked interest rate information for each vendor for a variable product or service. Register the interest consumption information on the integrated financial product providing server (10) for transmission, and collect the user's payment cost.
  • the vendor server 6 prepaid from the providing server 10 is included.
  • the system receives the consumption linked interest rate information of each vendor for the consumption linked interest rate variable product or service, and registers it for the user to view. It includes an integrated financial product providing server 10 that receives and registers selection signals and payment signals, processes payments to the vendor server 6 according to the user's prepaid signals, and provides consumer-linked interest rates to the user side. do.
  • the consumption-linked interest rate is the sum of the credit card settlement fee and the cash deposit interest rate at the time of cash payment; the purchase support interest rate for the amount of money supported at the time of purchase of a specific product; and the corresponding product at the time of prepayment for a specific product.
  • Whether the system is primarily subject to prepayment is a household-related company such as a restaurant or coffee shop, if the user needs to have a meal or coffee outside, such as an office worker or student, the business is indispensable for future consumption. It is an essential expenditure.
  • a consumer-linked interest rate variable financial product is provided.
  • the system receives the cash prepayment amount processed by the integrated financial product providing server 10, processes the credit server prepayment amount or the credit server prepayment amount to perform the credit processing to the payment cost payment destination, and the settlement cost
  • a credit card company server performing credit processing to a payment destination is further configured in connection with the integrated financial product providing server 10.
  • the user terminal (2) is a UI for accessing the integrated financial product providing server (10), input product selection information, view interest rates information or perform a transfer, and output the balance information after the actual product purchase Financial product interworking application (8) is installed.
  • interest rate processing related to living consumption is performed.
  • the deposit can be used at a certain period of time with a certain amount of payment, which is paid in advance and the actual use of goods or services is made in the future.
  • the integrated financial product providing server 10 calculates and provides a consumption ratio of a fixed rate for the changed balance after the purchase of the actual product is made.
  • the integrated financial product providing server 10 is registered with account information 4a-4n for a user specified payment cost payment destination, and is provided with a Bansa server 42 to enable payment of the credit card 40 at the time of payment. ), And a financial server (4) is linked to enable payment at the time of cash payment. [14] The detailed description is omitted since this is a general financial flow in the case of cash payment through credit card payment through Bansa server 42 or transfer to financial server 4.
  • the user designates a future consumer company to be used through the integrated financial product providing server 10. For example, Since the A, B, D, F companies can be specified, and there is a difference in the consumption linked rates suggesting that each company pays the user, the integrated financial product providing server 10 provides the user with the linked linked interest rates provided by each company. Register to view.
  • the integrated financial product providing server 10 pays the prepaid amount to make the designated company available.
  • the integrated financial product providing server 10 specifies a plurality of payment cost payment destinations
  • the payment amount of the user may be divided and paid in advance by the sales ratio.
  • the payment amount of the user reflects the creditability of each payment cost payment destination and divides it into a larger amount if the credit is large. Can be processed
  • the integrated financial product providing server 10 performs commission processing in association with the card company server so that the card fee of the company is incurred in the amount of consumption when the user pays for the card advance for future consumption. In addition, it is possible to incur a card fee when making a prepayment, and to handle a card fee incurred when splitting a prepayment amount for each designated company.
  • the pre-purchase support rate that constitutes the consumption-linked interest rate is an interest rate that is paid to the user at the time of purchase of the actual product or service, for example, the user may use the pre-purchase support rate when a certain condition is satisfied.
  • an interest rate may be used as much as cash and a certain percentage of that cash, and after the use of all the cash deposited in the commodity account, it may be subject to the consumption-interest rate.
  • the prepayment rate is the interest rate paid to the user according to the period of use of the payment funds from the point of payment to the company to the point of purchase of the actual product or service. The longer the period until the purchase of the service, the higher the rate offered to the user.
  • the integrated financial product providing server 10 included in the consumer-linked interest rate variable financial product providing system according to the third embodiment of the present invention has a communication module, a member information management unit, and a financial product therein. It includes a selection unit, a future consumer company setting unit, a payment information management unit, a company payment amount processing unit, an interest rate management unit, a cost prepayment processing unit, a data storage unit, and a control unit.
  • Reference numeral 50 is provided in the user terminal (2), in particular, the user terminal (2)
  • Reference numeral 52 denotes a user information management unit 52 which registers and manages users who have subscribed to consumer interest rate variable financial instruments and seller information to receive or receive money support for consumption rate interest rate variable financial instruments.
  • Reference numeral 54 denotes a financial product selector 54 that provides a user-selectable linked interest rate-linked product.
  • Reference numeral 56 denotes a future in which a user's future consumer information is registered and processed.
  • a consumer information setting section 56, and reference numeral 58 denotes a payment information management section 58 that manages the user's payment information for future consumers.
  • Reference numeral 60 indicates that the integrated financial product providing server 10 sets the user's prepayment amount.
  • Each company's payment amount is divided by a fixed ratio for the user specified company.
  • the company payment liquid calculation processing unit 60 which calculates and shows is shown.
  • Reference numeral 62 denotes that the integrated financial product providing server 10 calculates a daily cash interest rate for the future consumption of the user after the cash prepayment for future consumption, and when the actual consumption occurs, the pre-purchase support interest rate for the corresponding consumption amount occurs.
  • the interest rate manager 62 performs interest rate management to provide an upfront interest rate for the balance after settlement.
  • Reference numeral 64 denotes a cost prepayment processor 64 that processes the cost prepayment according to the pre-registered condition of the user's prepayment.
  • Reference numeral 66 stores user information and company information, and stores data that stores consumer-linked interest rate variable financial instruments and subscription information, prepaid amount payment information, amount used and balance information, and prepaid amount payment information by company. Indicate part 66.
  • Reference numeral 68 denotes a control unit which controls each component so as to perform processing such as signal processing and cost processing for pre-purchase and prepayment, payment processing for companies, interest rate calculation processing, and interest rate recalculation processing due to balance change ( 68).
  • the consumer-linked interest rate variable financial product providing system provides the integrated financial product providing server 10 and a seller server to send actual consumption signals thereafter through the financial product linked application 8. (6: or terminal), the seller checks whether the settlement of the product or service provision has been made, and the integrated financial product providing server 10 renews the deposit change information of the user due to actual consumption. The balance change information to which the consumption-linked interest rate is applied; Recalculate the consumption linked rate.
  • a communication method of generating a real consumption signal later through the financial product interworking application 8 to the integrated financial product providing server 10 and the seller server 6 or a terminal is a general communication technology. It reveals in advance that deposit changes can be displayed in a variety of ways, such as the coupon method, which is changed by actual consumption signals between consumers and sellers.
  • the consumption-linked interest rate variable financial product providing system is not limited to the above-described embodiment, and various modifications can be made without departing from the technical spirit thereof.

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Abstract

본 발명은 소비 연동 금리변동형 금융상품 제공 시스템에 관한 것으로, 미래의 불가피한 소비에 대해 유저가 대상 상품이나 서비스 또는 판매처와 같은 구매 요소를 미리 지정하고, 결제에 대한 상세 설정값을 자유롭게 설정하는 적금 또는 선지불 결제를 수행하고, 결제 자금의 일정한 조건부 금액이 생산자가 판매자에게 지급되게 함으로써 예적금 금리 및 상품이나 서비스 구매에 대한 선구매 지원 금리, 선결제 금리가 합산 적용되어 각 주체별 경제적 이득이 크고, 금융상품 처리가 신속하게 이루어지도록 한 소비 연동 금리변동형 금융상품 제공 시스템을 제공함에 그 목적이 있다.

Description

명세서
발명의명칭:소비 연동금리변동형금융상품제공시스템 기술분야
[1] 본발명은소비연동금리변동형금융상품제공시스템에관한것으로,보다 상세하게미래의불가피한소비에대해유저가대상상품이나서비스또는 판매처와같은구매요소를미리지정하고，결제에대한상세설정값을자유롭게 설정하는적금또는선지불결제를수행하고,결제자금의일정한조건부금액이 생산자가판매자에게지급되게한소비연동금리변동형금융상품제공 시스템에관한것이다.
배경기술
[2] 주지된바와같이,최근정보통신기술의발달로말미암아원거리
데이터통신망을매개하여다양한분야에대한정보를적어도하나이상의 호스트서버를통하여다수와가입자측으로실시간제공하는정보제공기술의 개발이활발하게진행중이다.
[3] 이를기반으로，최근에는가입자에게정확한정보를보다신속하게제공하기 위한캐쉬메모리확장기술등주변기술과가입자의취향및선호도에보다 편리하게접근할수있는정보선별기술및압축기술이개발중이며，이를통한 각종콘텐츠및그솔루션의개발에도박차를가하고있는실정이다.
[4] 금융상품을살펴보면,금융상품은경제적환경이나글로벌경제여건에따라 변화되는소비트렌드가중심이되어예금이나,적금상품과같은고유의 금융상품에도변화가생겨나는바,최근과같은초저금리경제여건상황에서는 막대한유동성이단 0.1내지 0.2%의금리변화에도추종되어이동하고있는 실정이다.
[5] 반면，이러한경제여건하에서소비와투자는위축될수밖에없으므로
판매자는소비자의소비를유도하기위해마진을최소화하면서대폭
할인행사를빈번하게시행하고있으며,생산자나판매자의경우에는이렇듯 위축된경제환경하에서담보대출이아닌신용대출의경우，고금리의 대출금리를지불해야한다는문제가있었다.
[6] 즉，소비자의경우 1 %도안되는예금금리더라도,다른예금금리보다더큰 금리혜택상품이출시되면문전성시를이루는반면,어차피소비해야할 생필품의경우 5%할인에대해서는크게생각하지않는다.
[7] 또한，내예금이고금리대출상품의재원으로사용되는경우라도，내실질 예금금리는여전히 1 %대를벗어나지못하고있다.또，생산자나판매자가 부품비용등으로지불해야하는단기자금에대해고금리신용대출이만연해 있으므로생산환경을악화시키고결과적으로소비자에게간접적인피해가 전가된다는문제가있었다. [8] 이모든문제는예금，소비，적금,대출，생산，판매가통합되지못하고모두 독립적사이클로구동되며 ,각상품간유기적이고연동적인연계가이루어지지 못함에있다고하겠다.
발명의상세한설명
기술적과제
[9] 본발명은상기한종래기술의사정을감안하여이루어진것으로，미래의
불가피한소비에대해유저가대상상품이나서비스또는판매처와같은구매 요소를미리지정하고，결제에대한상세설정값을자유롭게설정하는적금또는 선지불결제를수행하고，결제자금의일정한조건부금액이생산자가 판매자에게지급되게함으로써예적금금리및상품이나서비스구매에대한 선구매지원금리,선결제금리가합산적용되어각주체별경제적이득이크고, 금융상품처리가신속하게이루어지도록한소비연동금리변동형금융상품 제공시스템을제공함에그목적이있다.
과제해결수단
[10] 상기한목적을달성하기위해，본발명의바람직한실시예에따르면다수의 결제비용지급처가제시한소비연동금리정보를유저가열람할수있게 제공하며，유저가지정한특정결제비용지급처에대한비용지급이이루어지는 소비연동금리변동형예금상품이나적금상품에가입조건정보를입력하고 가입신호를발생하는유저단말기 (2)와;상기유저단말기 (2)측으로소비연동 금리변동형예금상품이나적금상품에대한각판매사별소비연동금리정보를 전송할수있게통합금융상품제공서버 (10)에그소비연동금리정보를 등록하며,해당소비연동금리변동형예금상품이나적금상품에의해유저의 결제비용을통합금융상품제공서버 (10)로부터선지급받는판매사서버 (6)와; 소비연동금리변동형예금상품이나적금상품에대한각판매사별소비연동 금리정보를전송받아유저가열람가능하게등록하고,유저의가입신호및가입 조건정보를수신받아둥록하며,유저의선결제신호에의해판매사서버 (6)로 비용지급을처리하고，유저측으로는소비연동금리를제공하는통합금융상품 제공서버 (10)로구성된것을특징으로하는소비연동금리변동형금융상품제공 시스템이제공된다.
[11] 바람직하게，상기결제비용지급처는판매업체，또는생산업체，또는상품 카테고리에관련된판매업체또는생산업체,특정상품의제조나판매에관련된 판매업체또는생산업체인것을특징으로하는소비연동금리변동형금융상품 제공시스템이제공된다.
[12] 바람직하게，상기소비연동금리는현금예적금에발생되는현금금리와；특정 상품에대한선구매시지원되는금액인선구매지원금리와;특정상품에대한 선결제시해당상품의생산자나판매자측으로선지급되는금액에대한선 결제금리를포함하여구성된것을특징으로하는소비연동금리변동형 금융상품제공시스템이제공된다.
[13] 바람직하게,상기통합금융상품제공서버 (10)에서처리하는예금또는적금 금액을수신하고,상기결제비용지급처로여신처리를수행하는금융서버 (4)가 상기통합금융상품제공서버 (10)와연계되어더구성된것을특징으로하는 소비연동금리변동형금융상품제공시스템이제공된다.
[14] 바람직하게，상기소비연동금리변동형예금상품이나적금상품에대한가입 조건정보는유저가설정하는조건으로，예금상품인지또는적금상품인지에 대한선택정보및,예금상품인경우예치금액정보，적금상품인경우만기기간 설정과불입액설정정보인것을특징으로하는소비연동금리변동형금융상품 제공시스템이제공된다.
[15] 바람직하게 ,상기유저단말기 (2)는상기통합금융상품제공서버 (10)에
접속하는 UI의표시및,상품선택이나설정값입력,금리정보,사용조건을 열람하거나잔액확인，이체를수행하는금융상품연동어플리케이션 (8)이 설치된것을특징으로하는소비연동금리변동형금융상품제공시스템이 제공된다.
[16] 바람직하게,상기통합금융상품제공서버 (10)는수시출금이가능한소비 연동금리변동형예금또는적금상품인경우，잔액에대한일정비율의소비 연동금리를제공하며,유저의출금제한최저한도를설정함에따라서로다른 금리를지급하도록처리하는것을특징으로하는소비연동금리변동형 금융상품제공시스템이제공된다.
[17] 바람직하게，상기통합금융상품제공서버 (10)는유저의예금또는적금금액 입금시，유저가설정한설정정보에따라상기소비연동금리를연산하는지급 금리연산부 (24)가포함된것을특징으로하는소비연동금리변동형금융상품 제공시스템이제공된다.
[18] 바람직하게，상기통합금융상품제공서버 (10)는유저의예금또는적금금액 입금시，미리등록된조건에따라비용선지급을처리하는비용선지급 처리부 (26)가포함된것을특징으로하는소비연동금리변동형금융상품제공 시스템이제공된다.
[19] 바람직하게,상기통합금융상품제공서버 (10)는그내부에,소비연동
금리변동형금융상품에가입한유저및,소비연동금리변동형금융상품의금액 지원을받거나받기위한생산사또는판매자정보를등록및관리하는회원 정보관리부 (16)와;유저가선택가능하게소비연동금리변동형금융상품을 제공하는금융상품선택부 (18)와;유저가선택한금융상품의만기일이나 불입액,거치액,출금제한최저한도금액설정과같은옵션을설정하는옵션 입력부 (20)와;유저별출금제한최저한도금액을설정하는유저별사용제한 금액설정부 (22)와;유저및판매자와생산자정보를저장하고，소비연동 금리변동형금융상품및가입정보，선결제금액입금정보와지급정보를 저장하는데이터저장부 (28)와;유저의특정판매자를대상으로하거나특정 상품이나상품카테고리에대한미래의구매를약정한선결제에대한예적금 금리및선구매지원금리와선결제금리를유저에게지급하고，선결제금액을 해당되는판매자나생산자에게선지급처리되게제어하는제어부 (30)를 포함하여구성된것을특징으로하는소비연동금리변동형금융상품제공 시스템이제공된다.
[20] 바람직하게，유저가지정한상기결제비용지급처가특정판매업체，또는특정 생산업체인경우라면,상기통합금융상품제공서버 (10)는해당유저에게해당 판매업체나생산업체에서판매나생산하는모든상품의평균소비연동금리를 제공하는것을특징으로하는소비연동금리변동형금융상품제공시스템이 제공된다.
[21] 바람직하게，유저가지정한상기결제비용지급처가특정카테고리인
경우라면,상기통합금융상품제공서버 (10)는해당유저에게해당카테고리에 속한상품의평균소비연동금리를제공하는것을특징으로하는소비연동 금리변동형금융상품제공시스템이제공된다.
[22] 바람직하게 ,유저가지정한상기결제비용지급처가특정상품이나서비스인 경우라면,상기통합금융상품제공서버 (10)는해당유저에게해당상품이나 서비스에특정된소비연동금리를제공하는것을특징으로하는소비연동 금리변동형금융상품제공시스템이제공된다.
[23] 바람직하게，유저가지정한상기결제비용지급처가특정판매업체，또는특정 생산업체인지 ,또는판매업체나생산업체가지정된상태에서카테고리를 지정한경우인지,해당카테고리내에속한구체적인상품을지정한경우인지에 따라서로다른소비연동금리가제공되게된것을특징으로하는소비연동 금리변동형금융상품제공시스템이제공된다.
[24] 바람직하게,상기선결제금리는적어도시중은행의신용대출금리보다는작은 것을특징으로하는소비연동금리변동형금융상품제공시스템이제공된다.
[25] 바람직하게，상기선구매금리와선결제금리는각생산자또는판매자별로 상이한것을특징으로하는소비연동금리변동형금융상품제공시스템이 제공된다.
[26] 바람직하게，상기통합금융상품제공서버 (10)는출금제한최저한도금액이 크면클수록추가금리가더부여되게처리하는것을특징으로하는소비연동 금리변동형금융상품제공시스템이제공된다.
[27] 바람직하게,유저가지정한특정결제비용지급처가다수인경우,선
결제금액을각결제비용지급처별로구분하여유저가설정하도록통합 금융상품제공서버 (10)가처리하고,상기통합금융상품제공서버 (10)는유저의 입금금액을설정비율별로각결제비용지급처로선지급하는것을특징으로 하는소비연동금리변동형금융상품제공시스템이제공된다.
[28] 바람직하게，유저가지정한특정결제비용지급처가다수인경우，잔고
고정금액을각결제비용지급처별로구분하여유저가설정하도록통합 금융상품제공서버 (10)가처리하고,상기통합금융상품제공서버 (10)는유저의 입금금액을설정비율별로각결제비용지급처로선지급하며，해당잔고 고정금액이하의금액은인출이불가능하도록처리하는소비연동금리변동형 금융상품제공시스템이제공된다.
[29ᅵ 한편，본발명은다수의결제비용지급처가제시한소비연동금리정보를 유저가열람할수있게제공하며，유저가지정한특정결제비용지급처에대한 일정비용을현금이나신용카드로선결제처리하는유저단말기 (2)와;상기유저 단말기 (2)측으로소비연동금리변동형상품이나서비스에대한각판매사별 소비연동금리정보를전송할수있게통합금융상품제공서버 (10)에그소비 연동금리정보를등록하며,유저의결제비용을통합금융상품
제공서버 (10)로부터선지급받는판매사서버 (6)와;소비연동금리변동형 상품이나서비스에대한각판매사별소비연동금리정보를전송받아유저가 열람가능하게등록하고,유저의상품이나서비스선택신호및결제신호를 수신받아등록하며,유저의선결제신호에의해판매사서버 (6)로비용지급을 처리하고,유저측으로는소비연동금리를제공하는통합금융상품
제공서버 (10)로구성된것을특징으로하는소비연동금리변동형금융상품제공 시스템이제공된다.
[30] 바람직하게,상기소비연동금리는현금결제시，신용카드결제수수료와현금 예금금리를합산한금리와;특정상품에대한선구매시지원되는금액인선 구매지원금리와;특정상품에대한선결제시해당상품의생산자나
판매자측으로선지급되는금액에대한선결제금리를포함하여구성된것을 특징으로하는소비연동금리변동형금융상품제공시스템이제공된다.
[31 ] 바람직하게，상기통합금융상품제공서버 (10)에서처리하는현금선결제 금액을수신하고，상기결제비용지급처로여신처리를수행하는금융서버 (4)나 또는，신용카드선결제금액을처리하고，상기결제비용지급처로여신처리를 수행하는신용카드사서버가상기통합금융상품제공서버 (10)와연계되어더 구성된것을특징으로하는소비연동금리변동형금융상품제공시스템이 제공된다.
[32] 바람직하게,상기유저단말기 (2)는상기통합금융상품제공서버 (10)에
접속하는 UI및，상품선택정보입력，금리정보를열람하거나이체를수행하며， 실제상품구매후잔액정보를출력하는금융상품연동어플리케이션 (8)이 설치된것을특징으로하는소비연동금리변동형금융상품제공시스템이 제공된다.
[33] 바람직하게，상기통합금융상품제공서버 (10)는실제상품의구매가이루어진 이후,변동된잔액에대해일정비율의소비연동금리를연산하여제공하는 것을특징으로하는소비연동금리변동형금융상품제공시스템이제공된다.
[34] 바람직하게，상기통합금융상품제공서버 (10)는미래소비에대한유저의현금 선결제후기간경과시현금금리제공을일별로누적연산하고,실소비발생시 해당소비금액에대한선구매지원금리를제공하며,정산후잔액에대한선 결제금리를제공하도록금리관리를수행하는금리관리부 (62)가포함된것을 특징으로하는소비연동금리변동형금융상품제공시스템이제공된다.
[35] 바람직하게,상기통합금융상품제공서버 (10)는유저가다수의결제비용 지급처를지정한경우,유저의결제금액은매출액비율로분할하여선 지급처리하는것을특징으로하는소비연동금리변동형금융상품제공 시스템이제공된다.
[36] 바람직하게，상기통합금융상품제공서버 (10)는유저가다수의결제비용 지급처를지정한경우,유저의결제금액은매출액비율로분할하여선 지급처리하고,각업체별지급총액은업체가신청한지급액을초과하지않도록 처리하는것을특징으로하는소비연동금리변동형금융상품제공시스템이 제공된다.
[37] 바람직하게，상기통합금융상품제공서버 (10)는유저가다수의결제비용 지급처를지정한경우，유저의결제금액은해당결제비용지급처별신용도를 반영하여신용도가크면더많은금액으로분할하여선지급처리하는것을 특징으로하는소비연동금리변동형금융상품제공시스템이제공된다.
[38] 바람직하게，상기통합금융상품제공서버 (10)는그내부에，소비연동
금리변동형금융상품에가입한유저및，소비연동금리변동형금융상품의금액 지원을받거나받기위한판매자정보를등록및관리하는회원정보
관리부 (52)와;유저가선택가능하게각소비연동금리연동상품을제공하는 금융상품선택부 (54)와;유저가설정한미래소비업체정보를등록처리한미래 소비업체설정부 (56)와;유저의미래소비업체에대한선결제정보를관리하는 결제정보관리부 (58)를포함하여구성된것을특징으로하는소비연동 금리변동형금융상품제공시스템이제공된다.
[39] 바람직하게，상기통합금융상품제공서버 (10)는유저의선결제금액을유저가 지정한업체에대해일정비율로분할하여각업체지급액을산정처리하는업체 지급액산정처리부 (60)가더포함된것을특징으로하는소비연동금리변동형 금융상품제공시스템이제공된다.
[40] 바람직하게 ,상기통합금융상품제공서버 (10)는유저의선결제시미리
등록된조건에따라비용선지급을처리하는비용선지급처리부 (64)가포함된 것을특징으로하는소비연동금리변동형금융상품제공시스템이제공된다.
[41] 바람직하게，상기통합금융상품제공서버 (10)는미래소비에대한유저의카드 선결제시실소비발생시해당소비금액에대해해당업체의카드수수료가 발생되도록카드사서버와연계하여수수료처리를수행하는것을특징으로 하는소비연동금리변동형금융상품제공시스템이제공된다.
[42] 바람직하게,상기선구매지원금리는실제상품이나서비스구입시점에
유저에게사용가능하게지급되는금리인것을특징으로하는소비연동 금리변동형금융상품제공시스템이제공된다. [43] 바람직하게 ,상기선결제금리는업체측으로지급된시점부터실제상품이나 서비스구입시점까지의결제자금사용기간에따라유저에게지급되는금리인 것을특징으로하는소비연동금리변동형금융상품제공시스템이제공된다.
[44] 바람직하게，상기선결제금리는업체측으로지급된시점부터실제상품이나 서비스구입시점까지의기간이길면길수록유저에게제공되는금리는더높은 것을특징으로하는소비연동금리변동형금융상품제공시스템이제공된다. 발명의효과
[45] 본발명에따른소비연동금리변동형금융상품제공시스템은유저는미래 필요한소비에대해미리상품이나,카테고리，판매처를지정하고선결제를 수행함으로써현금금리를포함한서로다른선구매및선결제에따른소비 연동금리를제공받을수있으므로초저금리시대에반하여경제적이득이매우 크고,판매자는미래의매출을예상할수있어서그에따른설비증설，인원보강， 공간확보등의다양한절차를계획적으로기획할수있고,다양한방식에의해 유저의선결제금액을미리지급받을수있으므로단기필요자금에대해 안정적으로자금을순환시킬수있다는장점이있으며，서버는자동으로소비를 감시하여유저의예치잔액에대해소비연동금리를재연산하므로유저와 판매자의편의성이높다.
도면의간단한설명
[46] 도 1은본발명의제 1실시예에따른소비연동금리변동형금융상품제공
시스템의개략적인구성을도시한모식도，
[47] 도 2는본발명의제 1실시예에따른소비연동금리변동형금융상품제공
시스템을통한유저설정상태를도시한도면,
[48] 도 3은본발명의제 1실시예에따른소비연동금리변동형금융상품제공
시스템을통한선구매지원금리및선결제금리의변동원리를설명하는도면, [49] 도 4는본발명의제 1실시예에따른소비연동금리변동형금융상품제공
시스템에서부여되는금리구조를도시한도면，
[5이 도 5는본발명의제 1실시예에따른소비연동금리변동형금융상품제공
시스템을통한금리사용구조를도시한도면，
[51] 도 6은본발명의제 1실시예에따른소비연동금리변동형금융상품제공
시스템에포함된통합금융상품제공서버의구성을도시한블록구성도，
[52] 도 7은본발명의제 2실시예에따른소비연동금리변동형금융상품제공
시스템을통한유저설정및선결제금액의지급원리를도시한도면，
[53] 도 8은본발명의제 3실시예에따른소비연동금리변동형금융상품제공
시스템의개략적인구성을도시한모식도，
[54] 도 9는본발명의제 3실시예에따른소비연동금리변동형금융상품제공
시스템을통한유저설정및선결제금액의지급원리를도시한도면,
[55] 도 10은본발명의제 3실시예에따른소비연동금리변동형금융상품제공 시스템에포함된통합금융상품제공서버의구성을도시한블록구성도이다. 발명의실시를위한최선의형태
[56] 이하,본발명의제 1실시예에따른소비연동금리변동형금융상품제공
시스템에대해도면을참조하여상세하게설명한다.
[57] 도 1은본발명의제 1실시예에따른소비연동금리변동형금융상품제공 시스템의개략적인구성을도시한모식도,도 2는본발명의제 1실시예에따른 소비연동금리변동형금융상품제공시스템을통한유저설정상태를도시한 도면，도 3은본발명의제 1실시예에따른소비연동금리변동형금융상품제공 시스템을통한선구매지원금리및선결제금리의변동원리를설명하는도면， 도 4는본발명의제 1실시예에따른소비연동금리변동형금융상품제공 시스템에서부여되는금리구조를도시한도면이다.
[58] 이를참조하면，본발명와제 1실시예에따른소비연동금리변동형금융상품 제공시스템은미래의불가피한소비에대해유저가대상상품아나서비스또는 판매처와같은구매요소를미리지정하고,결제에대한상세설정값을자유롭게 설정하는적금또는선지불결제를수행하고，결제자금의일정한조건부금액이 생산자가판매자에게지급되게함으로써예적금금리및상품이나서비스 구매에대한선구매지원금리，선결제금리가합산적용되어각주체별경제적 이득이크고,금융상품처리가신속하게이루어지도록한시스템이다.
[59] 즉,본발명의제 1실시예에따른소비연동금리변동형금융상품제공
시스템은유저가선택한상품이나서비스에대한선구매결정과,유저가선택한 상품이나서비스에대한예금이나적금을통한선결제금액을해당상품이나 서비스공급처에직접지급함으로써그에상응하는소비자에대한판매자의더 큰혜택을소비자에게제공할수있게한시스템이다.
[60] 본발명을통해，유저의경우에는확정적으로예상되는미래의소비에대한 계획있는선구매결정과,선결제를통해더큰혜택을얻을수있으며，판매자나 생산자는유저의선구매결정을통해미래매출을예상할수있고，안정적으로 고정매출을확보할수있으며，부품대금과같은필요자금을더작은금리로 확보할수있으므로,본발명은예금이나적금,대출，선구매및선결제가 통합돤새로운금융상품을제공할수있다.
[61] 보다상세하게，본발명의제 1실시예에따른소비연동금리변동형금융상품 제공시스템은다수의결제비용지급처가제시한소비연동금리정보를유저가 열람할수있게제공하며，유저가지정한특정결제비용지급처에대한비용 지급이이루어지는소비연동금리변동형예금상품이나적금상품에가입 조건정보를입력하고가입신호를발생하는유저단말기 (2)을포함하여 구성된다.
[62] 또한,본발명의제 1실시예에따른소비연동금리변동형금융상품제공
시스템은상기유저단말기 (2)측으로소비연동금리변동형예금상품이나 적금상품에대한각판매사별소비연동금리정보를전송할수있게통합 금융상품제공서버 (10)에그소비연동금리정보를등록하며，해당소비연동 금리변동형예금상품이나적금상품에의해유저의결제비용을통합금융상품 제공서버 (10)로부터선지급받는판매사서버 (6)를포함하여구성된다.
[63] 한편,본발명의제 1실시예에따른소비연동금리변동형금융상품제공
시스템은소비연동금리변동형예금상품이나적금상품에대한각판매사별 소비연동금리정보를전송받아유저가열람가능하게등록하고,유저의 가입신호및가입조건정보를수신받아등록하며,유저의선결제신호에의해 판매사서버 (6)로비용지급을처리하고，유저측으로는소비연동금리를 제공하는통합금융상품제공서버 (10)를포함하여구성된다.
[64] 이때,상기결제비용지급처는유저가선결제한비용을유용할수있도록 지급해주는대상으로，판매업체，또는생산업체，또는상품카테고리에관련된 판매업체또는생산업체,특정상품의제조나판매에관련된판매업체또는 생산업체가이에해당될수있다.
[65] 예컨대,상기결제비용지급처는 E마트나,롯데마트와같은대형마트일수 있으며 ,삼성전자와같은생산업체일수있고，판매업체나생산업체가지정된 상태에서더추가로선택되는상품카테고리 (예,특정대형마트에속한백색가전 카테고리)일수도있으며，보다구체적인상품 (예，특정대형마트에서판매되는 TV)이해당될수있다. '
[66] 따라서,유저가특정상품의선구매를결정하고선결제한경우,유저가선 결제한자금은해당상품을판매하는업체측으로지급된다.
[67] 또한,유저가특정판매업체에서상품을구매할것임을결정하고,해당
판매업체내에속한특정카테고리내의상품을구매할것임을결정하여 예금이나적금을통해선결제를수행한경우라면，유저가선결제한자금은 해당카테고리내에속한다수상품의판매업체측으로분할되어지급된다.
[68] 또,유저가특정판매업체에서상품을구매할것임을결정하고,예금이나
적금을통해선결제를수행한경우라면,유저가선결제한자금은해당 카테고리내에속한다수판매업체측으로지급되므로,해당판매업체는다수의 납품업체측으로해당비용을분할하여지급한다.
[69] 결국,유저가구체적으로구매상품을결정하면결정할수록개별업체는더 많은선결제비용을미리제공받을수있으므로본발명은유저가지정한상기 결제비용지급처가특정판매업체,또는특정생산업체인지,또는판매업체나 생산업체가지정된상태에서카테고리를지정한경우인지,해당카테고리내에 속한구체적인상품을지정한경우인지에따라서로다른소비연동금리가 제공되게된다.
[70] 한편,본발명의실시예에따른소비연동금리변동형금융상품제공시스템을 통해유저에게제공되는상기소비연동금리는현금예적금에발생되는현금 금리와;특정상품에대한선구매시지원되는금액인선구매지원금리와;특정 상품에대한선결제시해당상품의생산자나판매자측으로선지급되는금액에 대한선결제금리로구분된다.
[71] 현금금리는일반시중금융기관에서예금이나적금에대해지급하는예금
또는적금금리이다.
[72] 선 (先)구매지원금리는판매자의상품을유저가가까운미래에구입할것임을 결정함으로써판매자가제공하는금리로서，판매자는미래의매출액을예상할 수있어서미리생산이나유통및마케팅에대한기업전략을수립할수 있음으로인한경제적이득과，유저의상품구매에대한마진의일부를
되돌려주는두가지근거로판매자가금리재원을마련할수있다.
[73] 선 (先)결제금리는유저가특정상품에대한미래구매를결정하여현시점에 미리선결제하여，해당특정상품을판매또는생산하는판매자가생산자가 해당금액을미리지급받아생산이나판매에유용한것에대한댓가적금리로서， 자금이필요한판매자나생산자는일종의대출금리처럼소비자에게해당선 결제금액에대한금리를제공할수있는것이다.
[74] 따라서,상기선결제금리는적어도시중은행의신용대출금리보다는작아야 한다.
[75] 이를통해,본발명의시스템을통한상품의판매는미래의판매를약정하고 현재결제를수행한것이므로，판매자입장에서는현재시점에판매를행하는 것보다더경제적으로이득일수있다.따라서,상기선구매금리와선
결제금리는각생산자또는판매자별로상이하게제시할수있다.
[76] 즉，본발명의시스템하에서는각생산자또는판매자가마진을대폭축소한 상태에서상품을판매하기위해,매우높은상기선구매금리와선결제금리를 제시할수도있으며 ,평소인기가많은상품의경우에는이미미래의일정한 매출이확보된상태일수있으므로해당상품을판매하는판매자는과도한상기 선구매금리와선결제금리를제시하지않을수도있다.
[77] 한편,본발명의제 1실시예에따른소비연동금리변동형금융상품제공
시스템은상기통합금융상품제공서버 (10)에서처리하는예금또는적금 금액을수신하고，상기결제비용지급처로여신처리를수행하는금융서버 (4)가 상기통합금융상품제공서버 (10)와연계될수있다.
[78] 즉,상기통합금융상품제공서버 (10)는금융기관에비치될수있으며 ,이
경우에는금융서버 (4)가필요하지않지만실제로이체나결제，지급처리와같은 기능을상기통합금융상품제공서버 (10)가금융서버 (4)를대신하여처리하는 것이므로보는관점에따라금융서버 (4)가상기통합금융상품제공서버 (10)에 포함된것으로볼수있다.
[79] 또한,금융기관을거치지않고상기통합금융상품제공서버 (10)가직접
금융처리를수행할수도있을것이다.특히,최근에는고유의금융업무일부를 다수의 IT업체가수행하고있으므로상기통합금융상품제공서버 (10)가금융 기능을수행할수도있다. [80] 한편,본발명의제 1실시예에따른소비연동금리변동형금융상품제공 시스템을통해유저는앞서설명한바와같이,업체지정또는카테고리지정 또는상품지정과같은상품선택설정을수행하여선구매결정을하지만，동시에 선결제를수행해야한다.
[81] 즉,유저는선결제방식에대해선택해야하는바,상기소비연동금리변동형 예금상품이나적금상품에대해유저가가입해야한다.
[82] 이때,상기소비연동금리변동형예금상품이나적금상품에대한가입
조건정보는유저가설정하는조건으로,예금상품인지또는적금상품인지에 대한선택정보및,예금상품인경우예치금액정보，적금상품인경우만기기간 설정과불입액설정정보이다.
[83] 즉，유저는미래구매할상품을선택한이후，또는상품선택은보류했지만
카테고리를선택한이후，또는카테고리는선택하지않았지만특정판매업체 (예 , 롯데마트)에서구매할것임을선택한이후，예금방식또는적금방식으로선 결제를수행할수있다.
[84] 이때,적금방식인경우에는선결제라지만，상품대금전액을선결제하는것이 아니고,일정주기별로미리분할결제를하는것을의미한다.
[85] 따라서,이경우에유저는만기일을설정해야하고，월불입액을설정해야한다.
[86] 이는결과적으로，본발명을이용하여 E마트나 GS마트,롯데마트，삼성전자， LG전자등과같은판매업체나생산자는전용카드를출시할수있다.
[87] 또한，상기유저단말기 (2)는상기통합금융상품제공서버 (10)에접속하는
UI의표시및，상품선택이나설정값입력，금리정보，사용조건을열람하거나 잔액확인,이체를수행하는금융상품연동어플리케이션 (8)이설치되어서정보 확인이나설정을용이하게할수있게한다.
[88] 한편，이러한소비연동금리변동형예금상품이나적금상품에가입한유저가 미래에구매하고자하는상품이대형가전이나자동차와같은고가품이라면 불입도중현금인출이필요하지않겠지만，이와는다르게구매하고자하는 상품이생활용품이고대형마트와같은판매처를지정한경우라면，비록유저가 가입한금융상품이소비연동금리변동형예금상품이나적금상품이라고 할지라도수시로입출금을원하게될것이다.
[89] 따라서，본발명의제 1실시예에따른소비연동금리변동형금융상품제공
시스템은소비연동금리변동형예금상품이나적금상품에가입한유저가 수시로예금이나적금을불입한금액에대해입출금할수있게하고，그로인한 소비연동금리를상기통합금융상품제공서버 (10)가재연산하도록한다.
[90] 즉,상기통합금융상품제공서버 (10)는수시출금이가능한소비연동
금리변동형예금또는적금상품인경우，잔액에대한일정비율의소비연동 금리를제공하며 ,유저의출금제한최저한도를설정함에따라서로다른금리를 지급하도록처리한다.
[91] 도 3을참조하면，유저가불입한적금금액과，최종소비연동금리에대한 연산을기록한소비연동금리테이블 02)이상기통합금융상품제공서버 (10)에 구성된바，그소비연동금리테이블 (12)에는적금불입회차가표시되고,그 측부에는월불입액표시부 (12a)가구성되며，그측부에는누적잔고
표시부 (12b)가구성되며,지원금리가표시되는지원금리표시부 (12c)가 구성된다.
[92] 이때，지원금리는앞서설명한현금금리및선구매지원금리와,선결제금리를 합한금리이다.
[93] 또한，상기지원금리표시부 (12c)의측부에는사용금액표시부 (12d)가구성된 바，그사용금액표시부 (12d)의경우유저가수시로출금한사용금액을표시한 것이므로해당예금이나적금은수시입출금될수있음을나타낸다.
[94] 또，상기사용금액표시부 (12d)의측부에는유저의누적잔고에서사용금액을 빼고남은실제잔고를표시하는실제잔고표시부 (12e)가구성되어져있으며,그 측부에는최종지원금리표시부 (12f)가구성된다.
[95] 이때 ,상기통합금융상품제공서버 ( 10)는상기실제잔고표시부 (12e)에
표시된잔고를기준으로소비연동금리를연산하는바，해당소비연동금리는 해당업체가제시한금리 (예컨대， 15%)로매기간별금액으로환산하여 표시한다.
[96] 한편，상기통합금융상품제공서버 ( 10)는유저가잔고증일정한금액에대해 출금제한최저한도로설정하면，해당금액이하는출금하지못하도록고정되는 바,그고정금액은해당상품을생산하거나판매하는생산자또는판매자측으로 선지급될수있으므로추가금리를유저에게제공할수있는근거가된다.
[97] 따라서，상기통합금융상품제공서버 (10)는잔액에대한일정비율의소비 연동금리를제공하며 ,유저의출금제한최저한도를설정함에따라서로다른 금리를지급하도록처리한다.
[98] 예컨대，특정상품구매에대한소비연동금리가 15%로약정된적금상품에 유저가가입하고，출금제한최저한도를설정하면추가 5%의금리가약정된 경우에， 50만원을출금제한최저한도로고정한상태에서，유저가추가로불입과 소비를지속하여해당회차의실제잔고가 61만원인경우라면, 50만원에 대해서는 20%의소비연동금리가제공되고， 11만원에대해서는 15%의소비 연동금리가적용되어 61만원에대한소비연동금리가연산된다.
[99] 한편,잔고가 73만원으로증가되었다고할지라도,상기출금제한최저한도 금액올추가로증액하지않으면상기통합금융상품제공서버 (10)는지속적으로 출금제한최저한도는 50만원으로책정하고소비연동금리를연산한다.
[100] 즉,실제잔고가 73만원인경우라면, 50만원에대해서는 20%의소비연동
금리가제공되고， 23만원에대해서는 15%의소비연동금리가적용되어
73만원에대한소비연동금리가연산된다.
[101] 이경우，만약유저가출금제한최저한도를 70만원으로증액하게되면，비록 해당 70만원에대해서는출금하지못하지만, 70만원에대해서는 20%의소비 연동금리가제공되고 , 3만원에대해서는 15%의소비연동금리가적용되어 73만원에대한소비연동금리가연산되어더큰금리혜택을제공받게된다.
[102] 이때，상기통합금융상품제공서버 (10)는출금제한최저한도금액이크면 클수록추가금리가더부여되게처리하는것은당연하다.
[103] 도 5는본발명의제 1실시예에따른소비연동금리변동형금융상품제공
시스템을통한금리사용구조를도시한도면이다.
[104] 이를참조하면,본발명의제 1실시예에따른소비연동금리변동형금융상품 제공시스템을통해유저가지급받은소비연동금리는앞서설명한바와같이, 현금금리와선구매지원금리，선결제금리로구분되는바，소비연동
금리변동형예금상품이나적금상품인경우해당소비연동금리는현금을모두 사용한후에사용할수있거나，또는현금사용액의일정비율로소비연동금리를 사용할수있도록상기통합금융상품제공서버 (10)에설정되는것이
바람직하다.
[105] 즉，현금사용액의 10%에대한소비연동금리를사용할수있게상기통합금융 상품제공서버 (10)에설정된경우이고,총사용가능금액이 60만원인데，그중 현금분이 50만원이고,소비연동금리분이 10만원이라면，도 5에도시된바와 같이특정상품가격이 55만원인경우소비연동금리 10만원과,현금분 45만원을 사용할수있는것이아니고，소비연동금리 5%인 5만원을사용할수있고， 현금분 50만원을사용할수있다.
[106] 또한,상기통합금융상품제공서버 (10)에는현금분을모두사용한후에，소비 연동금리분을사용할수있게설정할수도있다.이는유저와，기업및상기통합 금융상품제공서버 (10)간약정에의해달라질수있지만，바람직하게는앞서 설명한바와같이，현금에대한일정비율의소비연동금리를함께사용하는 것이좋다.
[107] 도 6은본발명의제 1실시예에따른소비연동금리변동형금융상품제공
시스템에포함된통합금융상품제공서버의구성을도시한블록구성도이다.
[108] 이를참조하면,본발명의제 1실시예에따른소비연동금리변동형금융상품 제공시스템에포함된통합금융상품제공서버 (10)는그내부에，통신모들과， 회원정보관리부,금융상품선택부，옵션입력부,유저별사용제한금액설정부, 지급금리연산부,비용선지급처리부,데이터저장부，제어부가포함되어 구성된다.
[109] 참조부호 14는상기유저단말기 (2)특히,상기유저단말기 (2)에탑재된
금융상품연동어플리케이션 (8)과통신하고，금융서버 (4)나，판매사서버 (또는 생산자서버: 6)와통신하는통신모들을나타낸다.
[110] 참조부호 16은소비연동금리변동형금융상품에가입한유저및，소비연동 금리변동형금융상품의금액지원을받거나받기위한생산사또는판매자 정보를등록및관리하는회원정보관리부 (16)를나타내고，참조부호 18은 유저가선택가능하게소비연동금리변동형금융상품을제공하는금융상품 선택부 (18)를나타낸다.
[11 1] 또한,참조부호 20은유저가선택한금융상품의만기일이나불입액,거치액， 출금제한최저한도금액설정과같은옵션을설정하는옵션입력부 (20)를 나타내고,참조부호 22는유저별출금제한최저한도금액을설정하는유저별 사용제한금액설정부 (22)를나타낸다.
[112] 참조부호 24는유저의예금또는적금금액입금시 ,유저가설정한설정정보에 따라상기소비연동금리를연산하는지급금리연산부 (24)를나타내는바，그 지급금리연산부 (24)는상기소비연동금리테이블 (12)을이용하여불입금과 잔고를기록하면서금리를연산처리한다.
[1 13] 참조부호 26은유저의예금또는적금금액입금시，미리등록된조건에따라 비용선지급을처리하는비용선지급처리부 (26)를나타내고,참조부호 28은 유저및판매자와생산자정보를저장하고，소비연동금리변동형금융상품및 가입정보,선결제금액입금정보와지급정보를저장하는데이터저장부 (28)를 나타낸다.
[114] 참조부호 30은유저의특정판매자를대상으로하거나특정상품이나상품 카테고리에대한미래의구매를약정한선결제에대한예적금금리및선 구매지원금리와선결제금리를유저에게지급하고，선결제금액을해당되는 판매자나생산자에게선지급처리되게제어하는제어부 (30)를나타낸것이다.
[115] 이하,본발명의제 2실시예에따른소비연동금리변동형금융상품제공
시스템에대해도면을참조하여상세하게설명한다.
[1 16] 도 7은본발명의제 2실시예에따른소비연동금리변동형금융상품제공 시스템을통한유저설정및선결제금액의지급원리를도시한도면이다.
[1 17] 이를참조하면，본발명의제 2실시예에따른소비연동금리변동형금융상품 제공시스템은유저가미래의구매상품이나구매처에대한패키지금융상품에 가입하여예금이나적금방식의결제를수행할수있는바，이경우에는상기 통합금융상품제공서버 (10)가지급에대한기준을설정해야한다.
[1 18] 즉,결제비용지급처가다수인경우,유저가불입하거나예금한선결제금액에 대해,상기통합금융상품제공서버 (10)는몇가지기준으로해당결제비용 지급처로선결제금액을지급한다.
[1 9] 그첫번째는유저가각결제비용지급처에대해지급할금액을설정하거나 비율을설정하는경우이다.
[120] 두번째는유저의별도설정이없는경우,상기통합금융상품제공서버 (10)가 각결제비용지급처의매출액비율에기반하여유저가결제한금액을분할 지급하는방식이다.
[121] 물론,이경우에도상기결제비용지급처에서요청한지급요청금액내에서 지급처리가된다.예컨대，특정결제비용지급처에서는유동성이층분하여 별도의비용선지급에대한필요성을느끼지못하는경우상기통합금융상품 제공서버 (10)는해당결제비용지급처를대상에서배제시킨다. [122] 세번째는상기통합금융상품제공서버 (10)가금융기관이상기결제비용 지급처에미리부여한신용도를이용하여지급비율에반영시키는방식이다. 신용도가높을수록더큰지급비율로비용이지급되는것은당연하다.
[123] 즉,본발명의제 2실시예에따른소비연동금리변동형금융상품제공
시스템에서 ,유저가지정한특정결제비용지급처가다수인경우，선
결제금액을각결제비용지급처별로구분하여유저가설정하도록통합 금융상품제공서버 (10)가처리하고,상기통합금융상품제공서버 (10)는유저의 입금금액을설정비율별로각결제비용지급처로선지급할수있다.
[124] 또한,유저가지정한특정결제비용지급처가다수인경우，잔고고정금액을각 결제비용지급처별로구분하여유저가설정하도록통합금융상품
제공서버 (10)가처리하고,상기통합금융상품제공서버 (10)는유저의 입금금액을설정비율별로각결제비용지급처로선지급하며,해당잔고 고정금액이하의금액은인출이불가능하도록처리할수있다.
[125] 또，상기통합금융상품제공서버 (10)는유저가다수의결제비용지급처를 지정한경우，유저의결제금액은매출액비율로분할할수있다.
[126] 한편，상기통합금융상품제공서버 (10)는유저가다수의결제비용지급처를 지정한경우,유저의결제금액은매출액비율로분할하여선지급처리하고,각 업체별지급총액은업체가신청한지급액을초과하지않도록처리한다.
[127] 또한,상기통합금융상품제공서버 (10)는유저가다수의결제비용지급처를 지정한경우,유저의결제금액은해당결제비용지급처별신용도를반영하여 신용도가크면더많은금액으로분할하여선지급처리할수있다.
[128] 이하，본발명의제 3실시예에따른소비연동금리변동형금융상품제공
시스템에대해도면올참조하여상세하게설명한다.
[129] 도 8은본발명의제 3실시예에따른소비연동금리변동형금융상품제공
시스템의개략적인구성을도시한모식도，도 9는본발명의제 3실시예에따른 소비연동금리변동형금융상품제공시스템을통한유저설정및선결제금액의 지급원리를도시한도면이다.
[130] 이를참조하면,본발명의제 3실시예에따른소비연동금리변동형금융상품 제공시스템은다수의결제비용지급처가제시한소비연동금리정보를유저가 열람할수있게제공하며，유저가지정한특정결제비용지급처에대한 일정비용을현금이나신용카드로선결제처리하는유저단말기 (2)와;상기유저 단말기 (2)측으로소비연동금리변동형상품이나서비스에대한각판매사별 소비연동금리정보를전송할수있게통합금융상품제공서버 (10)에그소비 연동금리정보를등록하며,유저의결제비용을통합금융상품
제공서버 (10)로부터선지급받는판매사서버 (6)이포함되어구성된다.
[131] 또한，본발명의제 3실시예에따른소비연동금리변동형금융상품제공
시스템은소비연동금리변동형상품이나서비스에대한각판매사별소비연동 금리정보를전송받아유저가열람가능하게등록하고，유저의상품이나서비스 선택신호및결제신호를수신받아등록하며，유저의선결제신호에의해판매사 서버 (6)로비용지급을처리하고,유저측으로는소비연동금리를제공하는통합 금융상품제공서버 (10)를포함하여구성된다.
[132] 마찬가지로，상기소비연동금리는현금결제시,신용카드결제수수료와현금 예금금리를합산한금리와;특정상품에대한선구매시지원되는금액인선 구매지원금리와;특정상품에대한선결제시해당상품의생산자나
판매자측으로선지급되는금액에대한선결제금리를포함하여구성된다.
[133] 이때,본발명의제 3실시예에따른소비연동금리변동형금융상품제공
시스템은주로선결제지급대상이되는지급처는생활관련소호업체예컨대， 식당이나커피전문점등이고,유저가직장인이나학생처럼외부에서식사나 커피를마셔야하는상황이라면필수적으로필요한미래의소비에관련된 업체이고,필수적인지출이다.
[134] 따라서，어차피미래에필수불가결하게지불해야만하는소비라면
유저입장에서는혜택을극대화하는것이경제적일것이며，본발명의제 3실시예에따른소비연동금리변동형금융상품제공시스템의예금,대출， 소비를연동시킨금융상품을통해유저에게는극대화된혜택을,판매자에게는 안정적인미래매출확보및자재비와같은필요자금에대한선결제까지받을 수있으므로경제성이매우뛰어난시스템인것이다.
[135] 한편,본발명의제 3실시예에따른소비연동금리변동형금융상품제공
시스템에는상기통합금융상품제공서버 (10)에서처리하는현금선결제금액을 수신하고,상기결제비용지급처로여신처리를수행하는금융서버 (4)나또는， 신용카드선결제금액을처리하고,상기결제비용지급처로여신처리를 수행하는신용카드사서버가상기통합금융상품제공서버 (10)와연계되어더 구성된다.
[136] 또한，상기유저단말기 (2)는상기통합금융상품제공서버 (10)에접속하는 UI 및，상품선택정보입력,금리정보를열람하거나이체를수행하며 ,실제상품 구매후잔액정보를출력하는금융상품연동어플리케이션 (8)이설치된다.
[137] 본발명의제 3실시예에따른소비연동금리변동형금융상품제공시스템의 경우에는생활소비와관련된금리처리가이루어진다.즉，유저는상기통합 금융상품제공서버 (10)를통해일시에일정금액을결제하여예치한상태에서 일정주기로예치금을사용할수있는바,미리선결제가이루어지고실제 상품이나서비스이용은미래에이루어지는것이다ᅳ
[138] 따라서,상기통합금융상품제공서버 (10)는실제상품의구매가이루어진 이후，변동된잔액에대해일정비율의소비연동금리를연산하여제공한다.
[139] 상기통합금융상품제공서버 (10)는유저가지정한결제비용지급처에대한 계좌정보 (4a-4n)가등록되어져있으며 ,신용카드 (40)의결제시도비용결제가 가능하도록밴사서버 (42)와연계되고,현금결제시에비용결제가가능하도록 금융서버 (4)가연계되어져있다. [14이 실제로밴사서버 (42)를통한신용카드결제나금융서버 (4)로의이체를통한 현금결제의경우에는일반적인금융플로우이므로상세설명은생략한다.
[141] 본발명의제 3실시예에따른소비연동금리변동형금융상품제공시스템을 이용하는경우먼저,유저는상기통합금융상품제공서버 (10)를통해주로 이용할미래소비업체를지정한다.예컨대， A, B, D, F업체를지정할수있는바， 각업체별로유저에게지급한다고제시하는소비연동금리에차이가있으므로, 상기통합금융상품제공서버 (10)는각업체별로제시된소비연동금리정보를 유저가열람가능하게등록한다.
[142] 유저가미래소비업체를지정하고,일정금액을선결제하는경우라면，상기 통합금융상품제공서버 (10)는해당선결제금액을지정업체가유용할수 있도록지급한다.
[143] 이때,지급방식은앞서언급한바와같이몇가지로구분된다.
[144] 예컨대,상기통합금융상품제공서버 (10)는유저가다수의결제비용지급처를 지정한경우，유저의결제금액은매출액비율로분할하여선지급할수있다.
[145] 또한，상기통합금융상품제공서버 (10)는유저가다수의결제비용지급처를 지정한경우，유저의결제금액은매출액비율로분할하여선지급처리하고,각 업체별지급총액은업체가신청한지급액을초과하지않도록처리할수있다.
[146] 또，상기통합금융상품제공서버 (10)는유저가다수의결제비용지급처를 지정한경우，유저의결제금액은해당결제비용지급처별신용도를반영하여 신용도가크면더많은금액으로분할하여선지급처리할수있다.
[147] 한편,상기통합금융상품제공서버 (10)는미래소비에대한유저의카드선 결제시실소비발생시해당소비금액에대해해당업체의카드수수료가 발생되도록카드사서버와연계하여수수료처리를수행할수도있으며 ,선 결제시카드수수료가발생되게하는것도가능하고,각지정업체에대한선 결제금액의분할이체시카드수수료가발생되게처리하는것도가능하다.
[148] 한편，상기소비연동금리를구성하는상기선구매지원금리는실제상품이나 서비스구입시점에유저에게사용가능하게지급되는금리인바,예컨대유저는 일정조건만족시선구매지원금리를사용할수있다.
[149] 예컨대,현금과，그현금의일정비율만큼만금리를사용할수도있으며，상품 계좌에예치된모든현금을사용한이후，소비연동금리를사용할수있는 조건이부여될수도있다.
[150] 한편，상기선결제금리는업체측으로지급된시점부터실제상품이나서비스 구입시점까지의결제자금사용기간에따라유저에게지급되는금리인바, 마땅히 ,상기선결제금리는업체측으로지급된시점부터실제상품이나서비스 구입시점까지의기간이길면길수록유저에게제공되는금리는더높은것이 당연하다.
[151 ] 도 10은본발명의제 3실시예에따른소비연동금리변동형금융상품제공 시스템에포함된통합금융상품제공서버의구성을도시한블록구성도이다. [152] 이를참조하면，본발명의제 3실시예에따른소비연동금리변동형금융상품 제공시스템에포함된통합금융상품제공서버 (10)는그내부에,통신모들과, 회원정보관리부，금융상품선택부,미래소비업체설정부，결제정보관리부， 업체지급액산정처리부，금리관리부，비용선지급처리부,데이터 저장부, 제어부가포함되어구성된다.
[153] 참조부호 50은상기유저단말기 (2)특히,상기유저단말기 (2)에탑재된
금융상품연동어플리케이션 (8)과통신하고，금융서버 (4)나，판매사서버 (또는 생산자서버 : 6)，밴사서버 (42)와통신하는통신모들을나타낸다.
[154] 참조부호 52는소비연동금리변동형금융상품에가입한유저및，소비연동 금리변동형금융상품의금액지원을받거나받기위한판매자정보를등록및 관리하는회원정보관리부 (52)를나타내고,참조부호 54는유저가선택 가능하게각소비연동금리연동상품을제공하는금융상품선택부 (54)를 나타낸다.
[155] 참조부호 56은유저가설정한미래소비업체정보를등록처리한미래
소비업체설정부 (56)이며，참조부호 58은유저의미래소비업체에대한선 결제정보를관리하는결제정보관리부 (58)를나타낸다.
[156] 참조부호 60은상기통합금융상품제공서버 (10)는유저의선결제금액을
유저가지정한업체에대해일정비율로분할하여각업체지급액을
산정처리하는업체지급액산정처리부 (60)를나타낸다.
[157] 참조부호 62는상기통합금융상품제공서버 (10)는미래소비에대한유저의 현금선결제후기간경과시현금금리제공을일별로누적연산하고,실소비 발생시해당소비금액에대한선구매지원금리를제공하며,정산후잔액에대한 선결제금리를제공하도록금리관리를수행하는금리관리부 (62)를나타낸다.
[158] 참조부호 64는상기통합금융상품제공서버 (10)는유저의선결제시미리 등록된조건에따라비용선지급을처리하는비용선지급처리부 (64)를 나타낸다.
[159] 참조부호 66은유저정보및,업체정보를저장하고,소비연동금리변동형 금융상품및가입정보，선결제금액입금정보와사용금액정보및잔액정보, 업체별선결제금액지급정보를저장하는데이터저장부 (66)를나타낸다.
[160] 참조부호 68은각구성을제어하여선구매와선결제에대한신호처리및비용 처리,업체에대한지급처리,금리연산처리,잔액변동에따른금리재연산 처리와같은처리가이루어지도록제어하는제어부 (68)를나타낸것이다.
[161] 본발명의제 3실시예에따른소비연동금리변동형금융상품제공시스템은 상기금융상품연동어플리케이션 (8)을통해차후실제소비신호를상기통합 금융상품제공서버 (10)와,판매자서버 (6:또는단말기 )로발생시킴으로써， 판매자는해당상품이나서비스제공에대한정산이이루어졌는지를확인하게 되고,상기통합금융상품제공서버 (10)는실제소비로인해해당유저의예치금 변동정보를갱신하고,소비연동금리가적용되는잔액변동정보를갱신하여 소비연동금리를재연산처리한다.
[162] 이때,상기금융상품연동어플리케이션 (8)을통해차후실제소비신호를상기 통합금융상품제공서버 (10)와,판매자서버 (6:또는단말기)로발생시키는통신 방식은일반적인통신기술이고,소비자와판매자간실제소비신호에의해 변동되는쿠폰방식처럼예치금변동분을다양하게표시할수있음을미리 밝힌다.
[163] 한편，본발명의실시예에따른소비연동금리변동형금융상품제공시스템은 단지상기한실시예에한정되는것이아니라그기술적요지를이탈하지않는 범위내에서다양한변경이가능하다.
[164] *부호의설명 *
[165] 2：유저단말기, 4:금융서버，
[166] 6:판매사서버， 8:금융상품연동어플리케이션,
[167] 10:통합금융상품제공서버， 42:밴사서버.

Claims

청구범위
[청구항 1] 다수의결제비용지급처가제시한소비연동금리정보를유저가열람할 수있게제공하며，유저가지정한특정결제비용지급처에대한비용 지급이이루어지는소비연동금리변동형예금상품이나적금상품에가입 조건정보를입력하고가입신호를발생하는유저단말기 (2)와;
상기유저단말기 (2)측으로소비연동금리변동형예금상품이나 적금상품에대한각판매사별소비연동금리정보를전송할수있게통합 금융상품제공서버 (10)에그소비연동금리정보를등록하며，해당소비 연동금리변동형예금상품이나적금상품에의해유저의결제비용을 통합금융상품제공서버 (10)로부터선지급받는판매사서버 (6)와; 소비연동금리변동형예금상품이나적금상품에대한각판매사별소비 연동금리정보를전송받아유저가열람가능하게등록하고，유저의 가입신호및가입조건정보를수신받아등록하며,유저의선결제신호에 의해판매사서버 (6)로비용지급을처리하고，유저측으로는소비연동 금리를제공하는통합금융상품제공서버 (10)로구성 ¾1것을특징으로 하는소비연동금리변동형금융상품제공시스템.
[청구항 2] 제 1항에있어서，
상기결제비용지급처는판매업체，또는생산업체 ,또는상품 카테고리에관련된판매업체또는생산업체,특정상품의제조나관매에 관련된판매업체또는생산업체인것을특징으로하는소비연동 금리변동형금융상품제공시스템.
[청구항 3] 제 1항에있어서,
상기소비연동금리는현금예적금에발생되는현금금리와;
특정상품에대한선구매시지원되는금액인선구매지원금리와;
특정상품에대한선결제시해당상품의생산자나판매자측으로선 지급되는금액에대한선결제금리를포함하여구성된것을특징으로 하는소비연동금리변동형금융상품제공시스템 .
[청구항 4] 제】항에있어서，
상기통합금융상품제공서버 (10)에서처리하는예금또는적금금액을 수신하고，상기결제비용지급처로여신처리를수행하는금융서버 (4)가 상기통합금융상품제공서버 (10)와연계되어더구성된것을특징으로 하는소비연동금리변동형금융상품제공시스렘.
[청구항 5] 제 1항에있어서,
상기소비연동금리변동형예금상품이나적금상품에대한가입 조건정보는유저가설정하는조건으로，예금상품인지또는적금 상품인지에대한선택정보및,예금상품인경우예치금액정보，적금 상품인경우만기기간설정과불입액설정정보인것을특징으로하는 소비연동금리변동형금융상품제공시스템.
[청구항 6] 제 1항에있어서,
상기유저단말기 (2)는상기통합금융상품제공서버 (10)에접속하는 UI의표시및,상품선택이나설정값입력，금리정보，사용조건을 열람하거나잔액확인，이체를수행하는금융상품연동
어플리케이션 (8)이설치된것을특징으로하는소비연동금리변동형 금융상품제공시스템.
[청구항 7] 제 1항에있어서,
상기통합금융상품제공서버 (10)는수시출금이가능한소비연동 금리변동형예금또는적금상품인경우,잔액에대한일정비율의소비 연동금리를제공하며，유저의출금제한최저한도를설정함에따라서로 다른금리를지급하도록처리하는것을특징으로하는소비연동 금리변동형금융상품제공시스템.
[청구항 8] 제 1항에있어서 ,
상기통합금융상품제공서버 (10)는유저의예금또는적금금액입금시, 유저가설정한설정정보에따라상기소비연동금리를연산하는지급 금리연산부 (24)가포함된것을특징으로하는소비연동금리변동형 금융상품제공시스템.
[청구항 9] 제 1항에있어서，
상기통합금융상품제공서버 (10)는유저의예금또는적금금액입금시， 미리등록된조건에따라비용선지급을처리하는비용선지급
처리부 (26)가포함된것을특징으로하는소비연동금리변동형금융상품 제공시스템.
[청구항 10] 제 1항에있어서,
상기통합금융상품제공서버 (10)는그내부에，소비연동금라변동형 금융상품에가입한유저및,소비연동금리변동형금융상품의금액 지원을받거나받기위한생산사또는판매자정보를등록및관리하는 회원정보관리부 (16)와;
유저가선택가능하게소비연동금리변동형금융상품을제공하는금융 상품선택부 (18)와;
유저가선택한금융상품의만기일이나불입액，거치액，출금제한 최저한도금액설정과같은옵션을설정하는옵션입력부 (20)와;
유저별출금제한최저한도금액을설정하는유저별사용제한금액 설정부 (22)와;
유저및판매자와생산자정보를저장하고,소비연동금리변동형 금융상품및가입정보,선결제금액입금정보와지급정보를저장하는 데이터저장부 (28)와;
유저의특정판매자를대상으로하거나특정상품이나상품카테고리에 대한미래의구매를약정한선결제에대한예적금금리및선구매지원 금리와선결제금리를유저에게지급하고，선결제금액을해당되는 판매자나생산자에게선지급처리되게제어하는제어부 (30)를포함하여 구성된것을특징으로하는소비연동금리변동형금융상품제공시스템.
[청구항 U] 제 2항에있어서，
유저가지정한상기결제비용지급처가특정판매업체,또는특정생산 업체인경우라면，상기통합금융상품제공서버 (】 0)는해당유저에게 해당판매업체나생산업체에서판매나생산하는모든상품의평균소비 연동금리를제공하는것을특징으로하는소비연동금리변동형 금융상품제공시스템.
[청구항 12] 제 2항에있어서，
유저가지정한상기결제비용지급처가특정카테고리인경우라면,상기 통합금융상품제공서버 (10)는해당유저에게해당카테고리에속한 상품의평균소비연동금리를제공하는것을특징으로하는소비연동 금리변동형금융상품제공시스템.
[청구항 13] 제 2항에있어서,
유저가지정한상기결제비용지급처가특정상품이나서비스인 경우라면，상기통합금융상품제공서버 (10)는해당유저에게해당 상품이나서비스에특정된소비연동금리를제공하는것을특징으로 하는소비연동금리변동형금융상품제공시스템 .
[청구항 제 2항에있어서，
유저가지정한상기결제비용지급처가특정판매업체,또는특정생산 업체인지，또는판매업체나생산업체가지정된상태에서카테고리를 지정한경우인지，해당카테고리내에속한구체적인상품을지정한 경우인지에따라서로다른소비연동금리가제공되게된것을특징으로 하는소비연동금리변동형금융상품제공시스템.
[청구항 15] 제 3항에있어서，
상기선결제금리는적어도시중은행의신용대출금리보다는작은것을 특징으로하는소비연동금리변동형금융상품제공시스템.
[청구항 16] 제 3항에있어서，
상기선구매금리와선결제금리는각생산자또는판매자별로상이한 것을특징으로하는소비연동금리변동형금융상품제공시스템.
[청구항 17] 제 7항에있어서,
상기통합금융상품제공서버 (10)는출금제한최저한도금액이크면 클수록추가금리가더부여되게처리하는것을특징으로하는소비연동 금리변동형금융상품제공시스템.
[청구항 18] 제 1항에있어서,
유저가지정한특정결제비용지급처가다수인경우，선결제금액을각 결제비용지급처별로구분하여유저가설정하도록통합금융상품 제공서버 (10)가처리하고,
상기통합금융상품제공서버 (10)는유저의입금금액을설정비율별로각 결제비용지급처로선지급하는것을특징으로하는 ^비연동 금리변동형금융상품제공시스템.
[청구항 19] 제 1항에있어서,
유저가지정한특정결제비용지급처가다수인경우，잔고고정금액을각 결제비용지급처별로구분하여유저가설정하도록통합금융상품 제공서버 (10)가처리하고,
상기통합금융상품제공서버 ( 10)는유저의입금금액을설정비율별로각 결제비용지급처로선지급하며,해당잔고고정금액이하의금액은 인출이불가능하도록처리하는소비연동금리변동형금융상품제공 시스템
[청구항 20] 다수의결제비용지급처가제시한소비연동금리정보를유저가열람할 수있게제공하며，유저가지정한특정결제비용지급처에대한 일정비용을현금이나신용카드로선결제처리하는유저단말기 (2)와; 상기유저단말기 (2)측으로소비연동금리변동형상품이나서비스에 대한각판매사별소비연동금리정보를전송할수있게통합금융상품 제공서버 (10)에그소비연동금리정보를등록하며,유저의결제비용을 통합금융상품제공서버 (10)로부터선지급받는판매사서버 (6)와; 소비연동금리변동형상품이나서비스에대한각판매사별소비연동 금리정보를전송받아유저가열람가능하게등록하고,유저의상품이나 서비스선택신호및결제신호를수신받아등록하며，유저의선 결제신호에의해판매사서버 (6)로비용지급을처리하고，유저측으로는 소비연동금리를제공하는통합금융상품제공서버 (10)로구성된것을 특징으로하는소비연동금리변동형금융상품제공시스템.
[청구항 21] 제 20항에있어서,
상기소비연동금리는현금결제시，신용카드결제수수료와현금 、 예금금리를합산한금리와;
특정상품에대한선구매시지원되는금액인선구매지원금리와;
특정상품에대한선결제시해당상품의생산자나판매자측으로선 지급되는금액에대한선결제금리를포함하여구성된것을특징으로 하는소비연동금리변동형금융상품제공시스템.
[청구항 2 제 20항에있어서，
상기통합금융상품제공서버 (10)에서처리하는현금선결제금액을 수신하고，상기결제비용지급처로여신처리를수행하는금융서버 (4)나 또는，
신용카드선결제금액을처리하고，상기결제비용지급처로여신처리를 수행하는신용카드사서버가상기통합금융상품제공서버 ( 10)와 연계되어더구성된것을특징으로하는소비연동금리변동형금융상품 제공시스템.
[청구항 23] 제 20항에있어서，
상기유저단말기 (2)는상기통합금융상품제공서버 (10)에접속하는 UI 및,상품선택정보입력,금리정보를열람하거나이체를수행하며，실제 상품구매후잔액정보를출력하는금융상품연동어플리케이션 (8)이 설치된것을특징으로하는소비연동금리변동형금융상품제공시스템.
[청구항 24] 제 20항에있어서,
상기통합금융상품제공서버 (10)는실제상품의구매가이루어진이후， 변동된잔액에대해일정비율의소비연동금리를연산하여제공하는 것을특징으로하는소비연동금리변동형금융상품제공시스템.
[청구항 25] 제 20항에있어서,
상기통합금융상품제공서버 (10)는미래소비에대한유저의현금선 결제후기간경과시현금금리제공을일별로누적연산하고,실소비 발생시해당소비금액에대한선구매지원금리를제공하며,정산후 잔액에대한선결제금리를제공하도록금리관리를수행하는금리 관리부 (62)가포함된것을특징으로하는소비연동금리변동형금융상품 제공시스템.
[청구항 26] 제 20항에있어서，
상기통합금융상품제공서버 (10)는유저가다수의결제비용지급처를 지정한경우,유저의결제금액은매출액비율로분할하며선 지급처리하는것을특징으로하는소비연동금리변동형금융상품제공 시스템
[청구항 27] 제 20항에있어서，
상기통합금융상품제공서버 (10)는유저가다수의결제비용지급처를 지정한경우，유저의결제금액은매출액비율로분할하여선 지급처리하고，각업체별지급총액은업체가신청한지급액을초과하지 않도록처리하는것을특징으로하는소비연동금리변동형금융상품 제공시스템.
[청구항 28] 제 20항에있어서，
상기통합금융상품제공서버 (10)는유저가다수의결제비용지급처를 지정한경우,유저의결제금액은해당결제비용지급처별신용도를 반영하여신용도가크면더많은금액으로분할하여선지급처리하는 것을특징으로하는소비연동금리변동형금융상품제공시스템.
[청구항 29] 제 20항에있어서，
상기통합금융상품제공서버 (10)는그내부에，소비연동금리변동형 금융상품에가입한유저및,소비연동금리변동형금융상품의금액 지원을받거나받기위한판매자정보를등록및관리하는회원정보 관리부 (52)와;
유저가선택가능하게각소비연동금리연동상품을제공하는금융상품 선택부 (54)와;
유저가설정한미래소비업체정보를등록처리한미래소비업체 설정부 (56)와;
유저의미래소비업체에대한선결제정보를관리하는결제정보 관리부 (58)를포함하여구성된것을특징으로하는소비연동금리변동형 금융상품제공시스템.
[청구항 3이 제 20항에있어서，
상기통합금융상품제공서버 (10)는유저의선결제금액을유저가지정한 업체에대해일정비율로분할하여각업체지급액을산정처리하는업체 지급액산정처리부 (60)가더포함된것을특징으로하는소비연동 금리변동형금융상품제공시스템.
[청구항 31] 제 20항에있어서,
상기통합금융상품제공서버 (10)는유저의선결제시미리등록된 조건에따라비용선지급을처리하는비용선지급처리부 (64)가포함된 것을특징으로하는소비연동금리변동형금융상품제공시스템.
[청구항 32] 제 20항에있어서,
상기통합금융상품제공서버 (10)는미래소비에대한유저의카드선 결제시실소비발생시해당소비금액에대해해당업체의카드수수료가 발생되도록카드사서버와연계하여수수료처리를수행하는것을 특징으로하는소비연동금리변동형금융상품제공시스템.
[청구항 33] 제 21항에있어서，
상기선구매지원금리는실제상품이나서비스구입시점에유저에게 사용가능하게지급되는금리인것을특징으로하는소비연동 금리변동형금융상품제공시스템.
[청구항 34] 제 21항에있어서，
상기선결제금리는업체측으로지급된시점부터실제상품이나서비스 구입시점까지의결제자금사용기간에따라유저에게지급되는금리인 것을특징으로하는소비연동금리변동형금융상품제공시스템.
[청구항 35] 제 32항에있어서,
상기선결제금리는업체측으로지급된시점부터실제상품이나서비스 구입시점까지의기간이길면길수록유저에게제공되는금리는더높은 것을특징으로하는소비연동금리변동형금융상품제공시스템.
PCT/KR2016/003085 2015-03-27 2016-03-25 소비 연동 금리변동형 금융상품 제공 시스템 WO2016159594A1 (ko)

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JP6480596B2 (ja) 2019-03-13
KR101788855B1 (ko) 2017-10-20
CN107408266A (zh) 2017-11-28
US20180114266A1 (en) 2018-04-26
EP3282415A1 (en) 2018-02-14
EP3282415A4 (en) 2018-10-24
KR20160115584A (ko) 2016-10-06

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