WO2022114889A1 - Système et procédé de fourniture de points - Google Patents

Système et procédé de fourniture de points Download PDF

Info

Publication number
WO2022114889A1
WO2022114889A1 PCT/KR2021/017753 KR2021017753W WO2022114889A1 WO 2022114889 A1 WO2022114889 A1 WO 2022114889A1 KR 2021017753 W KR2021017753 W KR 2021017753W WO 2022114889 A1 WO2022114889 A1 WO 2022114889A1
Authority
WO
WIPO (PCT)
Prior art keywords
user
points
financial product
expenditure
unit
Prior art date
Application number
PCT/KR2021/017753
Other languages
English (en)
Korean (ko)
Inventor
정인영
송인성
정재성
Original Assignee
주식회사 디셈버앤컴퍼니자산운용
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
Priority claimed from KR1020210165472A external-priority patent/KR20220076354A/ko
Application filed by 주식회사 디셈버앤컴퍼니자산운용 filed Critical 주식회사 디셈버앤컴퍼니자산운용
Publication of WO2022114889A1 publication Critical patent/WO2022114889A1/fr

Links

Images

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
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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
    • G06Q40/06—Asset management; Financial planning or analysis

Definitions

  • the present invention relates to a system and method for providing a point, and to a system and method for providing a reward point according to a user's consumption and making an investment through it.
  • Korean Patent Application Laid-Open No. 10-2006-0085565 "Indirect investment type financial product management system and method linked to card use” includes a technology that allows the points generated through card payment to be utilized for investment, have. As such, there is also a technology that allows points to be used as an investment, but there is a problem that the investment utilization is low due to the low interest in the investment due to a small amount of point investment.
  • An object of the present invention is to maximize the level of investment interest by enabling users to automatically make investments related to products or services frequently used by users.
  • the present invention analyzes the user's spending history to check information on the seller or manufacturer and identify financial products related to the seller or manufacturer, so that the user can invest in each of the seller and manufacturer of the product or service used by the user do.
  • the purpose of the present invention is to allow a user to conveniently calculate points automatically without selecting each time a user uses a product or service by dividing and calculating points at a predetermined ratio when there is a financial product related to both the seller and the manufacturer. do.
  • the present invention provides a financial product information related to a user when a related financial product exists for both the seller and the manufacturer and calculates points for the financial product selected and inputted by the user so that the user can select a financial product with a higher interest aim to do
  • the present invention receives the payment processing result corresponding to the user's payment instruction or payment instruction and analyzes the expenditure details by analyzing the received payment instruction or payment processing result, thereby automatically receiving the expenditure details when the user uses goods or services intended to make it
  • a point providing system includes a point information storage unit for storing point information corresponding to each financial product that can be invested by each user, a spending history collecting unit for collecting the user's expenditure details, and among the collected expenditure details.
  • a determination unit for determining expenditure details matching the investment possible financial products, based on a result of the determination, determining points for financial products matching the expenditure details based on the expenditure amount included in the collected expenditure details and a point calculation unit that updates the determined points to the point information storage unit and a point corresponding to each of the financial products stored in the point information storage unit is equal to or greater than the minimum purchase unit price of each financial product, the corresponding financial product may be configured to include a reward providing unit to transfer to the user's investment account.
  • the determining unit may analyze the expenditure details, check information on the seller or manufacturer, and identify financial products related to the seller or manufacturer.
  • the point calculating unit may calculate by dividing points by a predetermined ratio when financial products related to both the seller and the manufacturer exist.
  • the point calculating unit may provide the related financial product information to the user and calculate points for the financial products selected and inputted by the user.
  • the expenditure history collecting unit may receive the user's payment instruction or a payment processing result corresponding to the payment instruction, and collect the expenditure details by analyzing the received payment instruction or the payment processing result.
  • the present invention can obtain the effect of maximizing the degree of investment interest by allowing an investment related to a product or service frequently used by a user to be automatically made.
  • the present invention has the effect of allowing the user to invest in each of the vendors and manufacturers of goods or services used by the user by analyzing the user's expenditure details to check information on the vendor or manufacturer and identify financial products related to the vendor or manufacturer.
  • the present invention obtains the effect of allowing the user to conveniently calculate points automatically without selecting each time a user uses a product or service by dividing and calculating points at a predetermined ratio when there is a financial product related to both the seller and the manufacturer.
  • the present invention provides a financial product information related to a user when a related financial product exists for both the seller and the manufacturer and calculates points for the financial product selected and inputted by the user so that the user can select a financial product with a higher interest effect can be obtained.
  • the present invention receives the payment processing result corresponding to the user's payment instruction or payment instruction and analyzes the expenditure details by analyzing the received payment instruction or payment processing result, thereby automatically receiving the expenditure details when the user uses goods or services effect can be obtained.
  • FIG. 1 is a configuration diagram illustrating an internal configuration of a point providing system according to an embodiment of the present invention.
  • FIG. 2 is a configuration diagram illustrating an example of calculating points by dividing points at a predetermined ratio when there is a financial product related to a seller and a manufacturer according to an embodiment of the present invention.
  • FIG. 3 is a configuration diagram illustrating an example of transferring a financial product to a user's investment account when the points corresponding to each financial product are equal to or greater than the minimum purchase unit price of each financial product according to an embodiment of the present invention.
  • FIG. 4 is a flowchart illustrating a flow of a method for providing points according to an embodiment of the present invention.
  • a point providing system includes a point information storage unit for storing point information corresponding to each financial product that can be invested by each user, a spending history collecting unit for collecting the user's expenditure details, and among the collected expenditure details.
  • a determination unit for determining expenditure details matching the investment possible financial products, based on a result of the determination, determining points for financial products matching the expenditure details based on the expenditure amount included in the collected expenditure details and a point calculation unit that updates the determined points to the point information storage unit and a point corresponding to each of the financial products stored in the point information storage unit is equal to or greater than the minimum purchase unit price of each financial product, the corresponding financial product may be configured to include a reward providing unit to transfer to the user's investment account.
  • the determining unit may analyze the expenditure details, check information on the seller or manufacturer, and identify financial products related to the seller or manufacturer.
  • the point calculating unit may calculate by dividing points by a predetermined ratio when financial products related to both the seller and the manufacturer exist.
  • the point calculating unit may provide the related financial product information to the user and calculate points for the financial products selected and inputted by the user.
  • the expenditure history collecting unit may receive the user's payment instruction or a payment processing result corresponding to the payment instruction, and collect the expenditure details by analyzing the received payment instruction or the payment processing result.
  • the point providing system according to the present invention may be configured in the form of a server having a central processing unit (CPU) and a memory (Memory) and connectable to other terminals through a communication network such as the Internet.
  • CPU central processing unit
  • Memory memory
  • the present invention is not limited by the configuration of the central processing unit and the memory.
  • the point providing system according to the present invention may be physically configured as one device or may be implemented in a distributed form among a plurality of devices.
  • FIG. 1 is a configuration diagram showing the internal configuration of a point providing system according to an embodiment of the present invention.
  • the point providing system may be composed of a point information storage unit 110 , a spending history collecting unit 120 , a determining unit 130 , a point calculating unit 140 , and a reward providing unit 150 , respectively.
  • the components may be software modules that operate within the same physically identical computer system, and may be configured so that two or more physically separated physical devices can operate in conjunction with each other.
  • the form belongs to the scope of the present invention.
  • the point information storage unit 110 may store point information corresponding to each financial product that can be invested by each user.
  • the user may be a person who engages in financial activities, purchases a certain product, or conducts an investment activity.
  • Point information includes the number of points, which is the accumulated amount of a certain percentage of the amount the user used for purchase or consumption, and the number of points the user used for purchase or consumption, when the user purchases a specific product or when the user consumes a specific product or company. It may be information including consumer information.
  • the point information storage unit 110 matches a financial product related to information on a specific item purchased or consumed by the user included in the point information, and the point information storage unit 110 matches the point corresponding to the matched financial product. Information can be stored in investable financial products. That is, the point information storage unit 110 may store information on each specific item consumed by the user and the number of points as point information in response to a financial product related to the specific item consumed by the user.
  • the point information contains 10,000 points by purchasing a mobile phone from company B. Information that it has been accumulated and that 500,000 points have been accumulated by purchasing a car of company C may be stored.
  • the point information storage unit 110 stores information of 10,000 points on financial product B, which is a financial product that matches company B, as a financial product that Z user can invest in, and 500,000 points information on financial product C, a financial product that matches company C. can be saved in response.
  • the expenditure history collecting unit 120 may collect the user's expenditure details.
  • the expenditure history collection unit 120 collects information on the expenditure history including information related to the item purchased by the user and the amount spent.
  • the expenditure history collecting unit 120 shows that the user pays 1 million won for the mobile phone of the company B at the store A can be collected.
  • the expenditure details collection unit 120 may receive the user's payment command or a payment processing result corresponding to the payment command, and collect the expenditure details by analyzing the received payment command or the payment processing result.
  • a payment command and a payment processing result corresponding to the payment command may occur when a user purchases a specific product or consumes a specific product using the user's payment method.
  • the expenditure history collecting unit 120 analyzes the payment command and the payment processing result corresponding to the payment command, and the expenditure that includes information related to the specific product the user has paid for, such as information related to the product purchased by the user and the amount spent by the user. You can collect information about the history.
  • the determination unit 130 may determine the expenditure details matching the investment possible financial product among the collected expenditure details.
  • the determination unit 130 may determine whether there is an expenditure detail that matches an investable financial product among the expenditure details including information that the user has spent to purchase a specific item collected by the expenditure history collection unit 120 . have. The determining unit 130 may determine whether there is an expenditure history matching the investment possible financial product based on the user's expenditure details collected by the expenditure history collecting unit 120 .
  • the user purchases company K's cosmetics and company L's sweets from the store J
  • the expenditure history collecting unit 120 spends information indicating that the user has purchased cosmetics from the company K and sweets from the company L at the store J. history can be collected.
  • the determination unit 130 may determine that there is an investable financial product matching the J store and the L company, and may determine that there is no investable financial product matching the K company.
  • the determination unit 130 may analyze the expenditure details, check information on the seller or manufacturer, and identify financial products related to the seller or manufacturer.
  • the determination unit 130 may identify the seller or manufacturer by analyzing the information on the expenditure details, which includes information on the seller or manufacturer of the specific item purchased by the user, collected by the expenditure details collection unit 120 . The determination unit 130 may determine whether the financial product matches the seller or the manufacturer.
  • the expenditure history collecting unit 120 shows that the user pays 1 million won for the mobile phone of the company B at the store A can be collected.
  • the determination unit 130 analyzes the expenditure details collected by the expenditure details collection unit 120 to confirm that the seller is the store A and the manufacturer is the company B, and the financial product related to the store A is a financial product A, and the It can be identified that the related related financial product is financial product B.
  • the point calculation unit 140 determines, based on the result of the determination, points for financial products matching the expenditure details based on the expenditure amount included in the collected expenditure details, and sets the determined points to the point information
  • the storage unit 110 may be updated.
  • the point calculating unit 140 checks the expenditure details matching the investable financial products determined by the determining unit 130, and points based on the amount spent by the user among the expenditure details matching the determined investable financial products can be decided.
  • the point calculation unit 140 matches the determined points with the points of the investable financial products determined by the determination unit 130, and updates the points of the investable financial products stored in the existing point information storage unit 110. can be saved
  • the point calculation unit 140 may determine 20,000 points as points for financial product B based on 2 million won, which is the expenditure amount determined by the determination unit 130, and updates information about 20,000 points to financial product B can do. At this time, the point calculation unit 140 may confirm that 10,000 points are stored in correspondence with the user Z and the financial product B in the point information storage unit 110 , and the point calculation unit 140 indicates that the user Z is stored in the company B. You can update the 20,000 points created by purchasing a refrigerator.
  • the point information storage unit 110 may store the B financial product and 30,000 points in correspondence with the user Z.
  • the point calculating unit 140 may calculate points by dividing the points by a predetermined ratio when financial products related to both the seller and the manufacturer exist.
  • the point calculating unit 140 may calculate the points by dividing the points at a predetermined ratio when there is a financial product related to a seller or a manufacturer in the determining unit 130 .
  • the predetermined ratio may be a ratio at which points for a financial product matching the expenditure details for a specific product purchased by the user can be determined.
  • the determination unit 130 may analyze the information on the expenditure details for one product purchased by the user to confirm the seller or the manufacturer, and if there are financial products matching the seller or the manufacturer, the point calculating unit 140 ) can calculate points at a fixed rate corresponding to the seller or manufacturer of one product purchased by the user.
  • the expenditure history collecting unit 120 shows that the user pays 1 million won for the mobile phone of the company B at the store A can be collected.
  • the determination unit 130 analyzes the expenditure details collected by the expenditure details collection unit 120 to confirm that the seller is the store A and the manufacturer is the company B, and the financial product related to the store A is a financial product A, and the It can be identified that the related related financial product is financial product B.
  • the point calculation unit 140 may confirm that the determined ratio is 60% of the seller and 40% of the manufacturer, and the point may be determined as 10,000 points based on 1 million won purchased by the user.
  • the point calculation unit 140 may determine by dividing the determined 10,000 points into 6,000 points for financial product A corresponding to the seller and 4,000 points for financial product B corresponding to the manufacturer. The point calculation unit 140 may update and store 6,000 points for financial product A and 4,000 points for financial product B in the point information storage unit 110 .
  • the point calculating unit 140 may provide the related financial product information to the user and calculate points for the financial product selected and inputted by the user.
  • the point calculating unit 140 may provide information on financial products related to the seller or the manufacturer to the user.
  • the user may calculate a ratio for each of the provided financial products related to the vendor or manufacturer, and the point calculating unit 140 may divide and calculate the points based on the ratio for each financial product by the user.
  • the expenditure history collecting unit 120 shows that the user paid 1 million won for a vacuum cleaner of company E from shop D can be collected.
  • the determination unit 130 analyzes the expenditure details collected by the expenditure details collection unit 120 to confirm that the seller is the shop D and the manufacturer is the company E, and the financial product related to the shop D is a D financial product, and the company E
  • the related related financial instrument may be identified as being an E-financial instrument.
  • the point calculation unit 140 may determine the points to be 10,000 points based on the 1 million won purchased by the user.
  • the point calculation unit 140 may provide the user with information on the D financial product and the E financial product, and the user may input 40% for the D financial product and 60% for the E financial product.
  • the point calculation unit 140 may determine points based on the information entered by the user, and based on the determined 10,000 points, it is divided into 4,000 points for D financial products corresponding to the seller and 6,000 points for E financial products corresponding to manufacturers. can be calculated and determined.
  • the point calculation unit 140 may update and store 4,000 points in the D financial product and 6,000 points in the E financial product in the point information storage unit 110 .
  • the reward providing unit 150 transfers the corresponding financial product to the investment account of the user. can do.
  • the reward providing unit 150 may check the minimum purchase unit price of each financial product stored in the point information storage unit 110 , and the point corresponding to each financial product in the point information storage unit 110 is the minimum purchase price of each financial product. If the purchase unit price is higher than the purchase unit price, the financial product can be purchased with points of the financial product and transferred to the user's investment account.
  • the reward providing unit 150 checks each financial product and each point information stored in the point information storage unit 110, and when the point information corresponding to each financial product is equal to or greater than the unit price of the minimum unit, the reward providing unit 150 ) can be transferred to the user's investment account by purchasing the corresponding financial product with points. Users can naturally purchase financial products from vendors or manufacturers who spend a lot of money.
  • point information corresponding to user X's financial products stored in the point information storage unit 110 includes 50,000 points for financial products F, 100,000 points for financial products G, 70,000 points for financial products H, and 150,000 points for financial products I. You can check it with points.
  • the minimum purchase unit price of financial products F confirmed by the reward provision unit 150 is 60,000 won, the minimum purchase unit price of financial products G is 100,000 won, the minimum purchase unit price of financial products H is 80,000 won, and the highest purchase price of financial products is 20 It can be confirmed that the value is 10,000 won, and it can be confirmed that the value of one won per point stored in the point information storage unit 110 is.
  • the reward providing unit 150 is a G financial product because the points of the G financial product among the financial products of the user X stored in the point information storage 110 are 100,000 points, which is the minimum purchase unit price of the G financial product, which is 100,000 won or more. By purchasing, you can transfer the minimum unit of G financial products to the user's investment account to the user's investment account.
  • FIG. 2 is a configuration diagram illustrating an example of calculating points by dividing points at a predetermined ratio when there is a financial product related to a seller and a manufacturer according to an embodiment of the present invention.
  • the expenditure history collecting unit 120 may collect the user's expenditure details.
  • the expenditure details collection unit 120 may receive the user's payment command or a payment processing result corresponding to the payment command, and collect the expenditure details by analyzing the received payment command or the payment processing result.
  • the determination unit 130 may determine the expenditure details matching the investment possible financial product among the collected expenditure details.
  • the determination unit 130 may analyze the expenditure details, check information on the seller or manufacturer, and identify financial products related to the seller or manufacturer.
  • the point calculation unit 140 determines, based on the result of the determination, points for financial products matching the expenditure details based on the expenditure amount included in the collected expenditure details, and sets the determined points to the point information
  • the storage unit 110 may be updated.
  • the expenditure history collecting unit 120 purchases the mobile phone of the company B at the store A by the user paying 1 million won can collect expenditure history.
  • the determination unit 130 analyzes the expenditure details collected by the expenditure details collection unit 120 to confirm that the seller is the store A 220 and the manufacturer is the company B 230 , and the financial product related to the store A is finance A It is product 221 , and it can be identified that the financial product related to company B is financial product B 231 .
  • the point calculation unit 140 can confirm that the set ratio is 60% (241) of the seller and 40% (242) of the manufacturer, and the point can be determined (240) as 10,000 points based on 1 million won purchased by the user have.
  • the point calculation unit 140 divides the determined 10,000 points into 6,000 points 243 for financial product A corresponding to the seller and 4,000 points 244 for financial product B corresponding to the manufacturer. .
  • the point calculation unit 140 may update and store 6,000 points 243 for financial product A and 4,000 points 244 for financial product B in the point information storage unit 110 .
  • FIG. 3 is a configuration diagram illustrating an example of transferring a financial product to a user's investment account when the points corresponding to each financial product are equal to or greater than the minimum purchase unit price of each financial product according to an embodiment of the present invention.
  • the reward providing unit 150 transfers the corresponding financial product to the investment account of the user. can do.
  • the reward providing unit 150 may check the minimum purchase unit price of each financial product stored in the point information storage unit 110 , and the point corresponding to each financial product in the point information storage unit 110 is the minimum purchase price of each financial product. If the purchase unit price is higher than the purchase unit price, the financial product can be purchased with points of the financial product and transferred to the user's investment account.
  • the reward providing unit 150 checks each financial product and each point information stored in the point information storage unit 110, and when the point information corresponding to each financial product is equal to or greater than the unit price of the minimum unit, the reward providing unit 150 ) can be transferred to the user's investment account by purchasing the corresponding financial product with points. Users can naturally purchase financial products from vendors or manufacturers who spend a lot of money.
  • the point information corresponding to the user's financial products stored in the point information storage unit 110 is F financial product 50,000 points 311, G financial product 100,000 points 312, H financial product 70,000 points ( 313), I financial product 150,000 points (314).
  • the minimum purchase price for financial products F confirmed by the reward provider 150 is 60,000 won (321), the minimum purchase price for G financial products is 100,000 won (322), and the minimum purchase price for financial products H is 80,000 won (323), It can be confirmed that the highest purchase unit price of the financial product is 200,000 won (324), and it can be confirmed that the value of 1 won per point stored in the point information storage unit 110 is obtained.
  • the reward providing unit 150 is a G financial product because the points of the G financial product among the financial products of the user X stored in the point information storage 110 are 100,000 points, which is the minimum purchase unit price of the G financial product, which is 100,000 won or more.
  • the G financial product 331 may be transferred to the user's investment account 332 to the user's investment account.
  • FIG. 4 is a flowchart illustrating a flow of a method for providing points according to an embodiment of the present invention.
  • the above individual account point providing system can be implemented and realized by the method of providing points, and the technical idea of the point providing system can be applied as it is.
  • the point information storage step ( S401 ) may store point information corresponding to each financial product that can be invested by each user in the point information storage unit 110 .
  • the user may be a person who engages in financial activities, purchases a certain product, or conducts an investment activity.
  • Point information includes the number of points, which is the accumulated amount of a certain percentage of the amount the user used for purchase or consumption, and the number of points the user used for purchase or consumption, when the user purchases a specific product or when the user consumes a specific product or company. It may be information including consumer information.
  • the point information storage step (S401) matches financial products related to information on a specific item purchased or consumed by the user included in the point information, and the point information storage step (S401) includes points corresponding to the matched financial products. Information can be stored in investable financial products. That is, the point information storage step S401 may store information on each specific item consumed by the user and the number of points as point information in correspondence to financial products related to the specific item consumed by the user.
  • the expenditure details collection unit 120 may collect the user's expenditure details.
  • the expenditure history collection step S402 collects information on the expenditure history including information related to the item purchased by the user and the amount spent.
  • the user's payment command or a payment processing result corresponding to the payment command may be received, and the expenditure details may be collected by analyzing the received payment command or the payment processing result.
  • a payment command and a payment processing result corresponding to the payment command may occur when a user purchases a specific product or consumes a specific product using the user's payment method.
  • the expenditure details collection step S402 analyzes the payment command and the payment processing result corresponding to the payment command, and the expenditure including information related to the specific product the user has paid for, such as information related to the product purchased by the user and the amount spent by the user, etc. You can collect information about the history.
  • the determining step ( S403 ) it is possible to determine the expenditure details matching the investment possible financial products among the expenditure details collected by the determining unit 130 .
  • the determination step (S403) it can be determined whether there is a spending history that matches an investable financial product among the expenditure details including the information that the user has spent to purchase a specific item collected in the expenditure details collection step (S402). have.
  • the determining step S403 it may be determined whether there is an expenditure detail matching the investment possible financial product based on the user's expenditure details collected in the expenditure detail collecting step S402 .
  • the determining step ( S403 ) it is possible to analyze the expenditure details, check information on the seller or manufacturer, and identify financial products related to the seller or manufacturer.
  • the seller or the manufacturer may be identified by analyzing the information on the expenditure details including information on the seller or manufacturer of the specific item purchased by the user collected in the expenditure detail collection step S402 . In the determination step S403 , it may be determined whether the financial product matches the seller or the manufacturer.
  • points for a financial product matching the expenditure details are determined based on the expenditure amount included in the collected expenditure details, The determined point may be updated in the point information storage step (S401).
  • the point calculation step (S404) checks the expenditure details matching the investable financial products determined in the determining step (S403), and points based on the amount spent by the user among the expenditure details matching the determined investable financial products can be decided In the point calculation step (S404), the determined points are matched with the points of the investable financial products determined in the determination step (S403), and the points of the investable financial products stored in the existing point information storage step (S401) are updated. can be saved
  • the points may be calculated by dividing the points at a predetermined ratio.
  • the points may be divided at a predetermined ratio and calculated.
  • the predetermined ratio may be a ratio at which points for a financial product matching the expenditure details for a specific product purchased by the user can be determined.
  • points may be divided and calculated by dividing the points at the vendor and the manufacturer at different ratios based on the purchased item, which is the product purchased by the user.
  • the seller or manufacturer can be identified by analyzing the information on the expenditure details for one product purchased by the user. ) can calculate points at a fixed rate corresponding to the seller or manufacturer of one product purchased by the user.
  • the point calculation step (S404) when financial products related to both the seller and the manufacturer exist, the related financial product information is provided to the user, and points can be calculated for the financial products selected and inputted by the user.
  • the point calculation step ( S404 ) when a financial product related to the seller or manufacturer exists in the determination step ( S403 ), financial product information related to the seller or the manufacturer may be provided to the user.
  • the user may calculate the ratio for each financial product related to the supplied vendor or manufacturer, and in the point calculation step S404, the user may divide and calculate the points based on the ratio for each financial product.
  • the minimum purchase unit price of each financial product stored in the point information storage step ( S401 ) may be checked, and the point corresponding to each financial product in the point information storage step ( S401 ) is the minimum value of each financial product. If the purchase unit price is higher than the purchase unit price, the financial product can be purchased with points of the financial product and transferred to the user's investment account.
  • the reward providing step (S450) checks each financial product and each point information stored in the point information storage step (S401), and when the point information corresponding to each financial product is equal to or greater than the minimum unit price, the reward providing step (S450) ) can be transferred to the user's investment account by purchasing the corresponding financial product with points. Users can naturally purchase financial products from vendors or manufacturers who spend a lot of money.
  • Such a point providing method may be implemented as an application or implemented in the form of program instructions that may be executed through various computer components and recorded in a computer-readable recording medium.
  • the computer-readable recording medium may include program instructions, data files, data structures, etc. alone or in combination.
  • the program instructions recorded in the computer-readable recording medium are specially designed and configured for the present invention, and may be known and available to those skilled in the computer software field.
  • Examples of the computer-readable recording medium include hard disks, magnetic media such as floppy disks and magnetic tapes, optical recording media such as CDROM and DVD, and magneto-optical media such as floppy disks. , and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like.
  • Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like.
  • the hardware device may be configured to operate as one or more software modules for carrying out the processing according to the present invention, and vice versa.
  • the present invention relates to a point providing system and method, and a point information storage unit for storing point information corresponding to each financial product that can be invested by each user, a spending history collecting unit for collecting the user's expenditure details, and among the collected expenditure details
  • a determination unit for determining expenditure details matching the investment possible financial products, based on a result of the determination, determining points for financial products matching the expenditure details based on the expenditure amount included in the collected expenditure details and a point calculation unit that updates the determined points to the point information storage unit and a point corresponding to each of the financial products stored in the point information storage unit is equal to or greater than the minimum purchase unit price of each financial product
  • the corresponding financial product may be configured to include a reward providing unit to transfer to the user's investment account.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Marketing (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Economics (AREA)
  • Technology Law (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Human Resources & Organizations (AREA)
  • Operations Research (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un système et un procédé de fourniture de points, le système comprenant : une unité de stockage d'informations de points pour stocker des informations de points correspondant à chaque produit financier d'investissement spécifique à l'utilisateur ; une unité de collecte de détails de dépenses pour collecter des détails de dépenses d'un utilisateur ; une unité de détermination pour déterminer des détails de dépenses mis en correspondance avec le produit financier d'investissement parmi les détails de dépenses collectés ; une unité de calcul de points qui détermine, sur la base des résultats de la détermination, par l'intermédiaire de la preuve de la quantité de dépenses incluse dans les détails de dépenses collectés, des points pour le produit financier mis en correspondance avec les détails de dépenses et qui met à jour les points déterminés dans l'unité de stockage d'informations de points ; et une unité de fourniture de récompense pour transférer le produit financier correspondant à un compte d'investissement de l'utilisateur si les points correspondant à chaque produit financier stocké dans l'unité de stockage d'informations de points sont supérieurs ou égaux au prix d'achat minimal de chaque produit financier.
PCT/KR2021/017753 2020-11-30 2021-11-29 Système et procédé de fourniture de points WO2022114889A1 (fr)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
KR20200164546 2020-11-30
KR10-2020-0164546 2020-11-30
KR1020210165472A KR20220076354A (ko) 2020-11-30 2021-11-26 포인트 제공 시스템 및 방법
KR10-2021-0165472 2021-11-26

Publications (1)

Publication Number Publication Date
WO2022114889A1 true WO2022114889A1 (fr) 2022-06-02

Family

ID=81755873

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2021/017753 WO2022114889A1 (fr) 2020-11-30 2021-11-29 Système et procédé de fourniture de points

Country Status (1)

Country Link
WO (1) WO2022114889A1 (fr)

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20060085565A (ko) * 2005-01-24 2006-07-27 도이치투자신탁운용주식회사 카드 사용과 연계된 간접투자형 금융상품 운용 시스템 및방법
KR20080104398A (ko) * 2007-01-19 2008-12-03 유석호 클라이언트 단말기에 사용자의 소비 성향에 따른 정보를제공하는 시스템 및 방법
JP2012243293A (ja) * 2011-05-16 2012-12-10 Hiromi Odagiri 消費者販売者相互直接投資型企業通貨発行流通システム。
KR20160120883A (ko) * 2015-04-09 2016-10-19 오윤영 상품 연계 적립금 투자 중개 방법 및 그 시스템
KR20180093527A (ko) * 2017-02-14 2018-08-22 김동균 포인트를 이용한 투자 시스템 및 그 방법

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20060085565A (ko) * 2005-01-24 2006-07-27 도이치투자신탁운용주식회사 카드 사용과 연계된 간접투자형 금융상품 운용 시스템 및방법
KR20080104398A (ko) * 2007-01-19 2008-12-03 유석호 클라이언트 단말기에 사용자의 소비 성향에 따른 정보를제공하는 시스템 및 방법
JP2012243293A (ja) * 2011-05-16 2012-12-10 Hiromi Odagiri 消費者販売者相互直接投資型企業通貨発行流通システム。
KR20160120883A (ko) * 2015-04-09 2016-10-19 오윤영 상품 연계 적립금 투자 중개 방법 및 그 시스템
KR20180093527A (ko) * 2017-02-14 2018-08-22 김동균 포인트를 이용한 투자 시스템 및 그 방법

Similar Documents

Publication Publication Date Title
WO2019216621A1 (fr) Système de centre commercial offrant l'avantage de prix réduits et son procédé de fonctionnement
CN110334917A (zh) 一种智能客户关系管理方法及系统
WO2010005259A2 (fr) Procédé et système pour fournir des annonces publicitaires sur la base d'une utilisation en fonction du temps
WO2019235801A1 (fr) Monnaie numérique, système de portefeuille électronique pour monnaie numérique, système d'émission, de distribution et d'utilisation de monnaie numérique, et procédé associé
WO2014030798A1 (fr) Serveur et procédé de paiement par carte de crédit mis en œuvre dans un serveur
WO2022114889A1 (fr) Système et procédé de fourniture de points
WO2015076604A1 (fr) Procédé de recommandation et d'émission de carte par un portefeuille mobile, et système appliquant ledit procédé
WO2017196074A1 (fr) Procédé visant à fournir une récompense pécuniaire pour des ventes et serveur pour la mise en oeuvre de ce procédé
WO2024043442A1 (fr) Procédé de configuration d'économie des données pour un service financier et dispositif permettant sa mise en œuvre
WO2020262828A1 (fr) Procédé et appareil permettant de fournir des services d'aide à la certification gips
WO2022164154A1 (fr) Système de réservation d'hôtel
WO2021251674A1 (fr) Dispositif et procédé de service de réduction
WO2022014982A1 (fr) Système de primes à base d'économie de jetons
WO2017073879A1 (fr) Procédé et serveur pour fournir des enregistrements des ventes par carte de crédit d'un magasin affilié
WO2022114891A1 (fr) Système et procédé de fourniture d'objectif d'investissement
WO2019160188A1 (fr) Système et procédé de service de paiement simple fondé sur une chaîne de blocs
WO2022019528A1 (fr) Système de vente d'informations d'opportunité commerciale et procédé associé
WO2021080213A9 (fr) Système de solution coopérative pour partenaires commerciaux
WO2018169122A1 (fr) Système de gestion intégré pour monnaie virtuelle, système de gestion domestique et procédé de gestion intégré associé
WO2016072739A1 (fr) Procédé, serveur et terminal pour fournir des informations de taux de change en temps réel
WO2022071618A1 (fr) Procédé de partage de contenu pour serveur relais
WO2022114890A1 (fr) Système et procédé de transactions sécurisées
WO2019160246A1 (fr) Système et procédé de gestion de recommandation de marchandises
WO2024038941A1 (fr) Procédé et dispositif de fourniture de données
WO2023106581A1 (fr) Système et procédé de délivrance de carte de membre pour une installation sportive virtuelle à base de nft

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 21898714

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 21898714

Country of ref document: EP

Kind code of ref document: A1