WO2021251683A1 - Système d'aide à l'utilisation de point intégré - Google Patents

Système d'aide à l'utilisation de point intégré Download PDF

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Publication number
WO2021251683A1
WO2021251683A1 PCT/KR2021/006933 KR2021006933W WO2021251683A1 WO 2021251683 A1 WO2021251683 A1 WO 2021251683A1 KR 2021006933 W KR2021006933 W KR 2021006933W WO 2021251683 A1 WO2021251683 A1 WO 2021251683A1
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Prior art keywords
point
customer
contract
points
use support
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PCT/KR2021/006933
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English (en)
Korean (ko)
Inventor
강철
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주식회사 스마트삼육
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Publication of WO2021251683A1 publication Critical patent/WO2021251683A1/fr

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    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the present invention relates to an integrated point use support system. More specifically, the present invention relates to a point integrated use support system that supports various types of points provided to customers by various point providers so that the customer can use the various types of points in an integrated way to purchase products regardless of point usage conditions.
  • points are recognized as a kind of customer's assets, and customers acquire and use points through various routes.
  • Korean Patent Publication No. 10-2014-0039445 published date: April 02, 2014, name: integrated point management system and method
  • Republic of Korea Patent Publication No. 10-1446749 registration date: 2014 September 25th
  • points provided as a reward (REWARD) for a certain behavior of the customer points accumulated at a certain rate according to the customer's use of goods, and welfare points paid annually as part of the welfare of corporate employees or public officials
  • points such as points that are converted and provided through the conversion service of advance payments paid for insurance and mutual aid payments, etc., and the common feature of these points is that they can be converted into monetary values.
  • the present invention for solving this technical problem is a point integrated use support system that supports the use of various types of points provided to customers in an integrated way to purchase products, and it is a system for supporting customers who receive various types of points from a plurality of point providers. At least a portion of the total payment amount of the product by using a customer terminal that is a terminal, a product provider terminal that is a terminal of a product provider that provides products to the customer, and various types of points provided by the customer from the plurality of point providers in an integrated way Includes a point integration use support server that supports to cover
  • the point integrated use support system provides a point provider server operated by a plurality of point providers that provide the various types of points to the customers, and various points provided by the plurality of point providers in order for the customers to purchase the product. Further comprising a financial company server operated by a financial company that is a window through which the point use terminal, which is a terminal of the point using point that uses a type of point, and the point integrated use support server procure operating funds necessary to support the integrated use of points;
  • the support server receives the product purchase application through the integrated use of the customer's points from the point use terminal, verifies the validity of the points presented by the customer through communication with the point provider server, and When the validity of the points is verified, the points presented by the customer are converted into an amount according to a set standard, and the converted amount of the points presented by the customer is presented to the customer through communication with the customer terminal, while the customer and the points It is characterized by concluding an electronic contract for product purchase through integrated use.
  • the electronic product purchase contract is a rental contract, an installment contract, or a lump sum contract.
  • the point integrated use support server enters into a financing contract with the financial company using the bond according to the electronic product purchase contract with the customer as an underlying asset, and obtains the funds from the financial company. It is characterized in that it procures operating funds corresponding to the procurement contract.
  • the operating fund procured by the point integrated use support server from the financial company is an amount discounted according to a set discount rate for the amount of receivable specified in the electronic product purchase electronic contract prepared according to the electronic product purchase contract characterized by being.
  • the financing contract is a bond transfer contract or a bond-secured loan contract.
  • the point integrated use support server when the electronic product purchase contract is the installment contract and the financing contract is the bond transfer contract, in the financing contract, the point integrated use support server is connected to the installment contract It characterized in that the installment payment management agency condition for receiving the corresponding installment from the customer and depositing it to the financial company is included.
  • the point integrated use support server when the electronic product purchase contract is the rental contract and the financing contract is the bond transfer contract, in the financing contract, the point integrated use support server is included in the rental contract and a rental fee payment management agency condition for receiving a corresponding rental fee from the customer and depositing it to the financial company.
  • the point integrated use support server is configured to: When the electronic product purchase electronic contract is the installment contract or the rental contract, the installment payment corresponding to the installment contract or the rental contract
  • the rental fee may be covered by integrating various types of points provided by the customer from the plurality of point providers.
  • the point integrated use support server when the various types of points held by the customer at the time of paying the installment payment or the rental fee, are less than the installment payment or the rental fee, the customer The various types of points held are first applied to the partial payment of the installment payment or the rental fee, and the shortfall, which is the difference between the installment payment or the rental fee and the various types of points held by the customer, is paid using an alternative payment method registered by the customer characterized in that
  • the point integrated use support server checks whether new points are generated by inquiring the customer's points according to a set period, , when new points are generated to the customer, the new points are used for payment of overdue installments or rental fees.
  • the point integrated use support server instructs the product provider terminal to provide the product to the customer before or after procuring the operating funds from the financial company. do it with
  • the product is a tangible product, an intangible product, or a combination product in which the tangible product and the intangible product are combined.
  • a point integrated use support system that supports the customers to use various types of points provided to customers by various point providers in an integrated way to purchase products regardless of point usage conditions.
  • FIG. 1 is a view showing a point integration use support system according to an embodiment of the present invention
  • FIG. 2 is a diagram for exemplarily explaining the overall operation of the point integration use support system according to an embodiment of the present invention
  • FIG. 3 is a diagram for explaining an exemplary processing process of a financing contract concluded between a point integration use support server and a financial institution server, according to an embodiment of the present invention
  • FIG. 4 is an exemplary processing process of installment payment management agency performed by the point integrated use support server when the electronic product purchase contract is an installment contract and the financing contract is a bond transfer contract according to an embodiment of the present invention.
  • 5 is an exemplary processing process of rental fee payment management agency performed by the point integrated use support server when the electronic product purchase contract is a rental contract and the financing contract is a bond transfer contract according to an embodiment of the present invention. is a drawing for
  • first or second may be used to describe various elements, but the elements should not be limited by the terms. The above terms are used only for the purpose of distinguishing one component from another, for example without departing from the scope of the inventive concept, a first component may be termed a second component and similarly a second component A component may also be referred to as a first component.
  • FIG. 1 is a diagram illustrating a point integration use support system according to an embodiment of the present invention.
  • an embodiment of the present invention is a point integrated use support system that supports the use of various types of points provided to customers in an integrated way to purchase products, and includes a customer terminal 10 and a point provider server 20 . ), the point use destination terminal 30 , the product provider terminal 40 , the financial company server 50 , and the point integrated use support server 60 may be configured.
  • the customer terminal 10 is a customer terminal that receives various types of points from a plurality of point providers.
  • the customer may receive points provided as a reward (REWARD) for a customer's certain actions, points accumulated at a certain rate according to the customer's use of goods, corporate employees, or Various types of points, such as welfare points paid annually as part of the welfare of civil servants, and points converted through the conversion service for advance payments paid for insurance and mutual aid payments, etc. These various types of points can be converted into monetary values.
  • REWARD a reward
  • Various types of points such as welfare points paid annually as part of the welfare of civil servants, and points converted through the conversion service for advance payments paid for insurance and mutual aid payments, etc.
  • An embodiment of the present invention supports a customer to freely use these various types of points regardless of restrictions such as a place of use, a period of use, a method of use, and the like.
  • an embodiment of the present invention supports a customer to use as a payment method to purchase one or more specific products by adding up various types of points he/she owns.
  • the point provider server 20 is a system operated by a plurality of point providers that provide various types of points to customers. As described above, constraints such as place of use, period of use, method of use, etc. are added to the points provided by each point provider to the customer. support the free use of
  • the point using terminal 30 is a point using terminal using various types of points provided from a plurality of point providers in order for a customer to purchase a product.
  • the product provider terminal 40 is a terminal of a product provider that provides products to customers.
  • the product provided by the product provider may be an intangible product such as a tangible product or a mutual aid service, or a combination product in which a tangible product and an intangible product are combined.
  • the financial company server 50 is a system operated by a financial company as a window through which the point integrated use support server 60 procures operating funds necessary for the point integrated use support.
  • a financial company may be any entity capable of providing operating funds to the operator of the point integrated use support server 60, including a bank, a capital, installment finance, and the like.
  • the point integrated use support server 60 supports the customer to use various types of points provided from a plurality of point providers in an integrated way to cover at least a portion of the total payment amount of the product.
  • the point integrated use support server 60 may 1) receive a product purchase application through the integrated use of the customer from the point use terminal 30 , and 2) communicate with the point provider server 20 to the customer verify the validity of the points presented by the customer; 3) if the validity of the points presented by the customer is verified, the points presented by the customer are converted into an amount according to the established standard; 4) through communication with the customer terminal 10 It may be configured to enter into an electronic contract for product purchase through integrated use of points with the customer while presenting the customer with a converted amount of points presented by the customer.
  • the electronic product purchase contract may be a rental contract, an installment contract, or a lump-sum payment contract.
  • the point integrated use support server 60 makes a financing contract with a financial company using a bond according to an electronic product purchase contract with a customer as an underlying asset to obtain operating funds corresponding to the financing contract from the financial company.
  • the operating funds procured by the integrated point use support server 60 from the financial company may be an amount discounted according to a set discount rate for the amount of receivables specified in the electronic product purchase contract prepared according to the electronic product purchase contract.
  • the financing contract may be a bond transfer contract or a bond-secured loan contract.
  • the point integration support server 60 provides an installment amount corresponding to the installment contract in the financing contract. It may be configured to include a condition for managing the installment payment to be received from the customer and deposited to the financial company.
  • the point integration support server 60 receives the rental fee corresponding to the rental contract from the customer and deposits it to the financial institution. It may be configured to include payment management agency conditions.
  • the point integrated use support server 60 receives the installment payment corresponding to the installment contract or rental fee corresponding to the rental contract from a plurality of point providers. It may be configured to aggregate and cover various types of points.
  • the point integration support server 60 may use the various types of points held by the customer as part of the installment payment or rental fee. It may be configured to first apply for payment, and use an alternative payment method registered by the customer for the shortfall, which is the difference between the installment payment or rental fee and various types of points held by the customer.
  • the alternative payment method may include a credit card, CMS storage, etc., but is not limited thereto.
  • the point integrated use support server 60 checks the customer's points according to a set period to check whether new points are generated, and when new points are generated to the customer , the new points may be configured to cover the payment of overdue installments or rental fees.
  • the integrated point use support server 60 may be configured to instruct the product provider terminal 40 to provide a product to a customer before or after procuring operating funds from a financial company.
  • FIG. 2 is a diagram for exemplarily explaining the overall operation of the point integrated use support system according to an embodiment of the present invention.
  • step S100 a process in which a plurality of point provider servers 20 operated by a plurality of point providers provides various types of points to a customer terminal 10 , which is a customer terminal, is performed.
  • step S110 a customer who has been provided with various types of points from a plurality of point providers visits an offline point use site or accesses an online point use site, and purchases products using various types of points possessed by the customer at the point use site.
  • the process of applying for product purchase which is an expression of intention to purchase, is carried out.
  • step S120 the process of transferring the product purchase application received from the customer terminal 10 by the point use destination terminal 30 to the point integrated use support server 60 is performed.
  • step S130 a process is performed in which the point integrated use support server 60 requests validation of the points presented by the customer through the customer terminal 10 to the point provider server 20 .
  • step S140 a process is performed in which the point provider server 20 provides the result of validation of the points presented by the customer through the customer terminal 10 to the point integrated use support server 60 .
  • step S150 when the point integration support server 60 verifies the validity of the points presented by the customer through the customer terminal 10, a process of converting the points presented by the customer into an amount of money according to a set standard is performed.
  • step S160 the process of subscribing to the electronic product purchase contract through the point integration use is performed while the point integrated use support server 60 presents the converted amount to the customer through the customer terminal 10 .
  • step S170 a process is performed in which the customer confirms the contents of the electronic product purchase contract through the use of the converted amount and points displayed on the customer terminal 10 .
  • step S180 a process is performed in which the customer approves the product purchase electronic contract through the integrated use of points to the point integrated use support server 60 through the customer terminal 10 .
  • step S190 the process of generating and storing the electronic product purchase electronic contract in the database according to the content of the agreement with the customer by the point integrated use support server 60 is performed.
  • step S200 the process of the point integration use support server 60 delivering the electronic product purchase contract to the customer terminal 10 is performed.
  • step S300 the point integrated use support server 60 connected to the financial company server 50 concludes a financing contract with a financial company using the bond according to the electronic product purchase contract with the customer as an underlying asset, and enters into the financing contract from the financial company.
  • the process of procuring corresponding working capital is carried out.
  • step S400 the process of instructing the point integrated use support server 60 to provide the product to the customer through the product provider terminal 40 to the product provider is performed.
  • the integrated point use support server 60 may pay the product price to the product provider using a part of the operating funds procured from the financial company.
  • step S410 a process in which the product provider provides products to the customer through communication between the product provider terminal 40 and the customer terminal 10 is performed.
  • FIG. 3 is a diagram for explaining an exemplary processing process of a financing contract concluded between the point integration use support server 60 and the financial company server 50 according to an embodiment of the present invention.
  • step S310 the point integrated use support server 60 connected to the financial company server 50 issues a financing contract to the financial company using the bond according to the electronic product purchase contract with the customer as an underlying asset.
  • the tendering process is carried out.
  • step S320 a process is performed in which the financial company examines the content of the subscription received by the financial company server 50 from the point integrated use support server 60 .
  • step S330 a process of presenting a discount rate for the receivable amount specified in the product purchase electronic contract to the point integration support server 60 through the financial company server 50 is performed by the financial company.
  • this discount rate may be information registered in advance by a financial company and a subject operating the integrated point use support server 60 or information generated in real time by a financial company that has received a subscription.
  • step S340 a process of accepting the discount rate to the financial company through the financial company server 50 by the subject operating the point integrated use support server 60 is performed.
  • step S350 a process of remittance of operating funds to the subject operating the integrated point use support server 60 by the financial company through communication between the credit company server and the point integrated use support server 60 is performed.
  • the recipient of the installment payment may be a financial company that has acquired a bond based on an electronic product purchase contract in the form of an installment contract from the operator of the point integration use support server 60 according to the bond transfer contract. .
  • step S510 a process of determining whether the point integration use support server 60 has arrived at the time of payment of the installment is performed. As a result of the determination in step S510, when the installment payment time has arrived, the flow goes to step S520.
  • step S520 a process of determining whether the conversion amount obtained by converting various points currently owned by the customer by the point integrated use support server 60 is less than the installment amount is performed. As a result of the determination in step S520, if the conversion amount obtained by converting various points currently held by the customer is not less than the installment amount, the flow goes to step S530, otherwise, the flow goes to step S540.
  • step S530 the process of paying the installment amount in full using the various points currently held by the customer by the point integrated use support server 60 is performed.
  • Step S540 is a process performed when the conversion amount obtained by converting various points currently held by the customer is less than the installment amount.
  • step S540 first, a process in which the point integrated use support server 60 allocates various points currently held by the customer for partial payment of the installment payment is performed.
  • step S550 a process of determining whether the alternative payment method registered by the customer is valid by the point integrated use support server 60 is performed. As a result of the determination in step S550, if the alternative payment method is valid, it switches to step S560, otherwise, it switches to step S570.
  • step S560 the process of processing the payment processing of the difference between the balance of the payment in which the point integrated use support server 60 is converted by the customer's registered alternative payment method, that is, the installment payment and various types of points owned by the customer, is performed.
  • this process is processed in connection with the corresponding credit card company or bank.
  • step S570 a process of inquiring by the point integrated use support server 60 whether new points are generated to the customer according to a set cycle is performed.
  • step S580 when new points are generated to the customer as a result of the inquiry, the process of the point integration use support server 60 apporing the new points to the overdue installment payment is performed, and through this, the overdue management that may occur to the customer is efficiently performed can do.
  • the recipient of the rental fee may be a financial company that has acquired a bond based on an electronic product purchase contract in the form of a rental contract from the operator of the integrated point use support server 60 according to the bond transfer contract. .
  • step S610 a process of determining whether the point of integrated use support server 60 has arrived at the rental fee payment time is performed. As a result of the determination in step S610, if the rental fee payment time has arrived, the process is switched to step S620.
  • step S620 a process of determining whether or not the conversion amount obtained by converting various points currently held by the customer by the point integrated use support server 60 is less than the rental fee is performed. As a result of the determination in step S620, if the conversion amount obtained by converting various points currently held by the customer is not less than the rental fee, the flow goes to step S630, and otherwise, the step S640 goes to step S640.
  • step S630 the process of paying the rental fee in full by the point integrated use support server 60 with various points currently owned by the customer is performed.
  • Step S640 is a process performed when the conversion amount obtained by converting various points currently held by the customer is less than the rental fee.
  • step S640 first, a process in which the point integrated use support server 60 allocates various points currently held by the customer to partial payment of the rental fee is performed.
  • step S650 a process of determining whether the alternative payment method registered by the customer is valid by the point integrated use support server 60 is performed. As a result of the determination in step S650, if the alternative payment method is valid, it switches to step S660, otherwise, it switches to step S670.
  • step S660 the process of paying the difference between the rental fee and the conversion amount obtained by converting various types of points held by the customer is performed by the point integrated use support server 60 as an alternative payment method registered by the customer.
  • this process is processed in connection with the corresponding credit card company or bank.
  • step S670 a process of inquiring by the point integrated use support server 60 whether new points are generated to the customer according to a set cycle is performed.
  • step S680 when a new point is generated to the customer as a result of the inquiry, the process of the point integration use support server 60 apporing the new point to the overdue rental fee payment is performed, and through this, the overdue management that may occur to the customer is efficiently performed can do.
  • a point integration support system that supports customers to use various types of points provided to customers by various point providers in an integrated way for product purchases regardless of point usage conditions is to provide

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Abstract

Un système d'aide à l'utilisation de point intégré selon la présente invention comprend : un terminal client qui est un terminal d'un client qui reçoit divers types de points provenant de multiples fournisseurs de points ; un terminal de fournisseur de produit qui est un terminal d'un fournisseur de produit qui fournit un produit au client ; et un serveur de support d'utilisation de point intégré qui aide le client à utiliser de façon intégrée divers types de points reçus en provenance des multiples fournisseurs de points de façon à couvrir au moins une partie du montant de paiement total du produit. La présente invention concerne un système d'aide à l'utilisation de points intégrés qui aide un client pour une utilisation intégrée, pour l'achat de produits et indépendamment d'une condition d'utilisation de points, de divers types de points fournis par divers fournisseurs de points au client.
PCT/KR2021/006933 2020-06-09 2021-06-03 Système d'aide à l'utilisation de point intégré WO2021251683A1 (fr)

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