WO2023158256A1

WO2023158256A1 - Rental service system using purchase transaction index

Info

Publication number: WO2023158256A1
Application number: PCT/KR2023/002317
Authority: WO
Inventors: 강철
Original assignee: 주식회사 얼리셀
Priority date: 2022-02-17
Filing date: 2023-02-17
Publication date: 2023-08-24
Also published as: KR20230123685A; KR102645724B1

Abstract

The present invention relates to a rental service system using a purchase transaction index (PTI), and relates to a rental service system and method using a PTI, wherein, with respect to an article rental contract between individuals, the rental service system converts a normal article return history of a rental user or an abnormal return history of the rental user, such as a flaw generated in an article or rental fee non-payment during a rental period, into a PTI, and displays same, such that a rental provider can pre-check the PTI before providing a rental service and then stably manage a rental contract so that a mutual dispute does not occur.

Description

Rental service system using purchase transaction index

The present invention relates to a rental service system using a purchase transaction index. In a product rental contract between individuals, the rental service system records the rental user's normal product return history or abnormal return history such as product defects or non-payment of rental fees during the rental period. Rental using the Purchase Transaction Index (PTI), which can stably manage the rental contract to prevent mutual disputes after checking in advance before the rental provider provides the rental service by converting it into a Purchase Transaction Index (PTI) and expressing it It is about service systems and methods.

While trade in used goods between individuals has become common through used goods trading sites, the number of consumers who want to rent and use new or used goods is also increasing.

However, even in a social trend that encourages/desires non-face-to-face transactions, transactions between individuals have difficulties in objectively determining the reliability of transactions between individuals in reality, so problems such as fraud and accidents during face-to-face transactions are emerging socially. As a temporary measure to avoid these problems, a doorknob transaction (a transaction method in which goods are hung on the front door of a consumer or provider) is also being implemented.

In addition, unlike general commodity transactions, such rental transactions usually have a long contract period and rental fees must be collected repeatedly, so it is difficult for individuals or small and medium-sized businesses to smoothly conclude rental contracts and to manage contracts stably to prevent mutual disputes. Business is developing in the form of companies providing services to individual consumers.

In particular, in the case of rental of used goods, it is common for transactions to be made between individuals. There is a tendency to rent used goods among individuals located in close proximity and purchase them when satisfied after using them for a certain period of time. When economic and legal problems arise due to non-payment of rental fees, it is often difficult to deal with them smoothly.

Korean Patent No. 10-2019-0009529 discloses a typical interpersonal rental system and method, which simply discloses a rental server that enables mutual exchange of rental items, rental conditions, and information of rental users, We did not disclose any configuration or method for the normal return management of the items, which are the most problematic in rental contracts.

The purpose of the present invention is to objectively quantify purchase/rental use patterns (payment, product receipt, return, defect occurrence, non-payment, etc.) By allowing the PTI (Purchase Transaction Index) to be expressed in advance before the rental contract, individuals (rental providers) can make their own judgment on whether or not to provide rental of goods, minimizing mutual disputes in rental transactions of goods. It is to provide a rental service system and method using a purchase transaction index that can stably manage rental contracts.

In addition, an object of the present invention is to provide an indicator that allows individuals to easily determine the rental and purchase propensity of consumers in the market environment in which existing companies provided rental services as suppliers (providers), so that anyone can purchase goods owned by themselves. It is to provide a rental service system and method using a purchase transaction index that can generate second additional revenue by providing rental service at will without being limited by quantity and price.

The rental service system using the purchase transaction index of the present invention includes a rental provider terminal equipped with a rental service app for signing rental product registration, rental contracts, and rental management agency contracts; A rental user terminal equipped with a rental service app for searching and selecting rental items, signing rental contracts, and managing rental fees; a rental server that communicates with the rental provider terminal and the rental user terminal to perform rental registration processing, rental request response, rental product delivery management, and rental contract processing; And a rental management server that communicates with the rental server to check the locations of the terminals, manage credit management of rental products and rental users, manage delivery companies, manage overdue management, process purchases, and manage compensation for damages; including the rental management server includes a location management department, a credit management department, a delivery management department, a delinquency management department, a purchase processing department, and a damage compensation management department, and the credit management department includes a normal item return history of a rental user in an item rental contract between individuals or occurrence of defects in items during the rental period. The Purchase Transaction Index DB, which stores and manages the Purchase Transaction Index (PTI), which converts the history of returning abnormal goods, including non-payment of rental fees, into points, is linked, and the Purchase Transaction Index DB stores the purchase transaction index The purchase transaction index along with the personal information of the rental user is provided to be displayed on the rental provider terminal at all times.

In addition, according to an embodiment, the rental server receiving the product rental request from the rental user terminal requests the purchase transaction index of the user requesting product rental to the rental management server, and the rental management server determines the personal information of the rental user. The purchase transaction index of the user stored and managed in the credit management unit together with the information is provided to be displayed on the rental provider terminal.

In addition, according to an embodiment, the purchase transaction index is a purchase transaction index for each case converted to a score for each rental case; and a comprehensive purchase transaction index converted into an average value after summing the scores for each rental case for a certain period of time; is converted into words indicating the credit rating from the highest to the lowest so that it is easy to understand at a glance, and then displayed on the terminal of the rental provider.

In addition, according to an embodiment, when the case-by-case or comprehensive purchase transaction index is provided to the rental provider's terminal, 'sunny', 'clear', 'cloudy', 'fog' so that the rental provider can easily grasp at a glance for each predetermined score range After being converted into words related to weather forecasts including 'wind' and 'trade advisory', they are displayed on the terminal of the rental provider.

In addition, according to an embodiment, the purchase transaction index for each case is added according to normal transaction history, including rental payment processing, positive transaction reviews, or above-average ratings, rental payment cancellation, rental fee non-payment, midterm cancellation and return, rental item Points will be deducted based on abnormal transaction history, including late returns or damage, negative purchase reviews, or below-average star ratings.

In addition, according to one embodiment, the rental service, a one-time complete sale is completed; Acquisition type rental in which the ownership of the item is transferred to the rental user after the rental period ends; and return type rental in which the product is returned to the rental provider after the rental period is over.

According to the present invention, in a product rental contract between individuals, the rental service system converts the rental user's normal product return history or abnormal return history, such as the occurrence of a defect or unpaid rental fee during the rental period, into a purchase transaction index, so that the terminal of the rental provider It has the effect of stably managing the rental contract by minimizing the occurrence of disputes between the rental provider and the user by continuously updating and displaying it throughout the transaction process.

Through this, it is possible to prevent fraudulent transactions and no-show transactions, which have been frequently pointed out as problems in conventional used transactions between individuals, as well as providing rental services between individuals, creating additional revenue through surplus items owned by the individual. It has a beneficial effect by opening a new trading window that increases the recyclability of products that can be used and used.

1 is a diagram showing the configuration of a rental service system using a purchase transaction index according to an embodiment of the present invention.

2 is a configuration diagram of a rental server 400 of a rental service system according to an embodiment of the present invention.

3 is a configuration diagram of a rental management server 500 of a rental service system according to an embodiment of the present invention.

4 is a rental service procedure diagram of a rental service system according to an embodiment of the present invention.

5 is a credit inquiry process diagram among rental service procedures according to an embodiment of the present invention.

6 is a delivery inquiry procedure diagram among rental service procedures according to an embodiment of the present invention.

7 is a diagram of arrears management procedures among rental service procedures according to an embodiment of the present invention.

8 is a table showing an expression method and reference scores of a purchase transaction index according to an embodiment of the present invention.

9 is a table showing a method of increasing or subtracting points of a purchase transaction index for each transaction stage according to an embodiment of the present invention.

10 is a rental service procedure diagram for each rental product type according to an embodiment of the present invention.

Features of the present invention described above will become more apparent through the following detailed description in connection with the accompanying drawings, and accordingly, those skilled in the art to which the present invention belongs can fully understand and practice the present invention through the detailed description. There will be. Meanwhile, in the description of the present invention, detailed descriptions of known technologies related to the present invention will be omitted.

First, the present invention is basically an effective way to prevent and smoothly solve rental fraud, which is pointed out as a cause of frequent problems in rental transactions between individuals, in the processing of guarantees and after-sales service (A / S) of rental products in advance was created to present

Therefore, the C2C used goods rental platform of the present invention provides a reliable system to activate rental transactions between individuals, not only used goods transactions, but also second-hand rental transactions between individuals. The purpose is to provide information that can objectively determine the risk of trading in advance by referring to 'Index'.

However, in the above rental transaction between individuals, if the scope of the individual does not have its own after-sales service (A/S) capability or warranty capability and can be equated with an individual, the individual entrepreneur or corporation is also a rental provider or rental user as a transaction subject. indicate that it is included.

1 is a diagram showing the configuration of a rental service system according to an embodiment of the present invention.

As shown in FIG. 1, the rental service system according to an embodiment of the present invention includes a rental provider terminal 100, a rental user terminal 200, a call center server 300, a rental server 400, and a rental management server 500 ) is composed of.

It should be understood that each component communicates with each other through a wired/wireless network, and each has a database (not shown) for storing data required for operation of each component.

The rental provider terminal 100 is a communication terminal of a person who wants to provide their goods or services as rental items, and communicates with the rental server 400 to register rental items, sign rental-related contracts, manage rental fees, etc. It is equipped with a rental app to perform the function.

The rental user terminal 200 is a communication terminal of a person who wants to rent an item, and communicates with the

servers

300, 400, and 500 to select a rental item, conclude a rental contract, and perform functions such as paying rental fees. It is equipped with a rental app for

Here, the rental app is installed in the communication terminals (100, 200) of users who have signed up as members to provide functions necessary to act as a rental provider or rental user, so that the rental service of the present invention can be used as a rental user as well as a rental provider let it be

The call center server 300 is a server built in the call center that performs or acts as an agent when communication between the service provider and the user is required in relation to the rental service use procedure of the rental provider or rental user. Consent to use of information, permission to inquire credit information, etc. may be received and transmitted to the rental server 400, and the user's credit information may be inquired in connection with an external credit rating agency server (not shown), and the result may be transmitted to the rental server 400 and It can be shared with the rental management server 500.

The rental server 400 is a server that supports basic tasks required for rental services, and performs rental registration processing, rental request response, rental product delivery, rental contract processing, etc. 300) or the rental management server 500 and performs communication.

The rental management server 500 is ancillary procedures required for smooth processing in the rental server 400, such as terminal location check, rental product credit management, user credit management, delivery person management, rental overdue management, rental product purchase management, damage Perform tasks such as compensation management.

The rental server 400 of FIG. 2 is configured to include at least a rental processing unit 410 , a delivery processing unit 420 , and a contract management unit 430 .

The rental processing unit 410 receives rental items from the rental provider terminal 100, and performs ancillary procedures according to the rental service progress by operating the rental service provider (ie, the rental server 400 and the rental management server 500) While concluding a business agency contract for the rental service provider) to act as an agent, it performs the function of providing rental product information to the rental user terminal 200, receiving a rental request for the desired product, and concluding a rental contract .

The delivery processing unit 420 is responsible for the process of delivering the rental product for which the rental contract has been concluded to the rental user and the process of returning the rental product to the rental provider. The delivery processing unit 420 proceeds with the delivery of the rental item according to the desired delivery method entered by the rental provider in the process of signing the rental contract in the rental processing unit 410. At this time, the delivery method is courier delivery, use of a delivery driver, direct delivery, etc. This is included. Courier delivery is delivery using a normal courier service, and the delivery driver is a service provided incidentally by the rental service operator for the rental service of the present invention. is to match.

On the other hand, direct delivery is when a rental provider directly meets a rental user and delivers their rental items. In the case of providing a rental service based on location, there will be quite a few cases where rental contracts are made between users located in a short distance. In this case, It is a method of direct delivery of rental items between the parties.

Here, the direct delivery is different from the method of using a delivery driver for a fee in that it is made free of charge. In the case where a rental provider wants to deliver by becoming a delivery driver for a fee, the rental provider may join a delivery driver pool, obtain qualifications as a delivery driver, and then become a delivery driver when delivering rental items for himself or others. The delivery driver is paid a delivery fee when the delivery of the item is completed, and if he or she wishes to deliver the rental item, he or she is preferentially assigned to the delivery driver.

The contract management unit 430 provides a contract form between the rental provider terminal 100 and the rental user terminal 200 when signing a rental contract, performs an electronic authentication procedure for authenticating each user, and the digital signature of the authenticated user Save the attached contract. For each user's electronic authentication and electronic signature, the contract management unit can use electronic authentication and electronic signature procedures provided by a third party, such as Kakao Pay, and can be linked with external apps such as Kakao Talk or Kakao Pay. there is.

The rental management server 500 of FIG. 3 includes a location management unit 510, a credit management unit 520, a shipper management unit 530, an overdue management unit 540, a purchase processing unit 550, and a compensation management unit 560. It consists of

The location management unit 510 determines the geographic location of each terminal through an app installed in the rental provider terminal 100 and the rental user terminal 200 and stores it as basic information for real-time rental.

The credit management unit 520 inquires product credit ratings and user credit ratings, stores the credit rating information, and compares the two credit rating information when renting an item to determine whether rental is possible.

Here, the product credit rating is a credit rating given to each product, which is given to each product type by determining the minimum user credit rating that can rent the product in consideration of the value of the product, the statistical return rate, etc. The system of the present invention In embodiments, provision of the product credit rating may be omitted.

For example, product credit ratings for relatively expensive and highly mobile items such as automobiles are set higher than product credit ratings for relatively inexpensive and less mobile items such as water purifiers.

In particular, the purchase transaction index DB 521 is further linked to the credit management unit 520, and the purchase transaction index DB 521 is a fair indicator of the purchaser's usage behavior, and the purchase transaction index (PTI) is scored. Index) is stored.

Here, the purchase transaction index evaluates the normal product return history of the rental user in the above-mentioned interpersonal product rental contract or abnormal product return history, including the occurrence of defects in the product or non-payment of rental fees during the rental period, and then scores and converts it into a numerical value and stored, and provided to be displayed on the rental provider terminal 100 together with the rental user's personal information through the credit management unit 520 at all times.

That is, the rental server receiving the product rental request from the rental user terminal 200 requests the purchase transaction index (PTI) of the user requesting product rental to the rental management server 500, and The rental management server 500 transmits the purchase transaction index (PTI) of the user stored and managed in the purchase transaction index DB 521 linked to the credit management unit 520 together with the personal information of the rental user to the rental provider. It is provided to be displayed on the terminal 100.

Hereinafter, continuously referring to FIG. 3 , the delivery manager 530 calculates and manages a delivery fee to a member of a delivery driver who has performed delivery work in the case of a delivery driver method among delivery methods of rental items. To this end, the delivery manager 530 configures a delivery driver pool targeting delivery driver members, and matches the delivery driver when requesting rental product delivery using the delivery driver in the future.

The overdue management unit 540 sends an overdue information message suitable for each rental user and rental provider in case of overdue management and normal rental fee management through billing and receipt of rental fee, and provides a web page for overdue management to solve overdue on its own Support to carry out dunning duties.

The purchasing processing unit 550 transmits the purchase intention to the rental provider for the rental user who wants to purchase the rental product instead of returning the rental product after the rental for a predetermined period of time or after the rental expires, and rents with the consent of the rental provider. Proceed with the process of converting the contract into a used goods purchase contract. To this end, a contract (new or changed contract) is provided to the rental provider terminal 100 and the rental user terminal 200 to conclude a purchase contract, and the electronically signed contract is sent to the contract management unit 430 of the rental server 400 to contract to update

The compensation management unit 560 informs the user of the termination (or cancellation) of the contract when the contract cannot be continued normally due to damage, loss, rental fee overdue, etc. It is sent to the contract management unit 430 of the rental server 400 to update the contract status.

According to another embodiment, the compensation management unit 560 may be implemented and linked with an external system other than the rental service system of the present invention.

Referring to FIG. 4 , the rental provider terminal 100 accesses the rental server 400, proceeds with membership registration, and requests rental item registration (S10). At this time, the rental provider terminal 100 receives a web page for membership registration and rental items from the rental server 400, fills in member information and rental item information, and requests the rental server 400 for membership registration and rental item registration. can

Subsequently, the rental server 400 provides the rental business agency contract form to the rental provider terminal 100 and proceeds with user authentication and electronic signature procedures to conclude a business agency contract with the rental provider (S20). Here, the scope of the business agency may include user credit management, rental overdue management, purchase conversion management of rental products, management of compensation for damages upon termination/cancellation of rental contracts, and the like.

The rental provider who has concluded the business agency contract registers the rental item in the rental server 400 using the rental provider terminal 100 (S30).

*The rental server 400 discloses the rental product through the web page (S40), and the information disclosed on the web page includes product information such as the name and photo of the rental product, rental condition information such as rental fee, rental period, and delivery method included

The rental user terminal 200 accesses the web page, searches for items to be rented, compares conditions, and transmits an item rental request signal for a desired item to the rental server 400 to request item rental (S50). In the process of requesting product rental, a geographical location inquiry of the rental user terminal 200 is performed to search for products of rental providers located in a short distance (S60), and as a result, only items of rental providers located within a predetermined distance are displayed on the web page. can be tuned to be disclosed and searched for.

On the other hand, in response to the product rental request, the rental server 400 performs a credit inquiry on the user and the product in association with the call center server 300 and the rental management server 500 to determine whether or not to rent the product (S70), A rental contract is concluded (S100).

After signing the product rental contract, the process of inquiring whether the product has been properly delivered (S110) and updating the result, acting as an agent for the rental user's rental fee collection and notifying the rental provider terminal 100 in case of overdue to respond to rental overdue An overdue management process (S120) is performed to support this.

In addition, during the rental period or after the expiration of the rental period, if the rental user wants to purchase a rental item at a medium price without returning it, between the rental provider terminal 100 and the rental user terminal 200 to proceed with the purchase of the rental item A purchase processing process (S130) is performed, and a damage compensation management process (S140) is performed to smoothly support legal measures in the event of an accident, such as product damage or rental overdue, during the rental period.

When a product rental request is received by the rental server 400, the rental server 400 provides information on the product rental request to the rental management server 500 and requests a credit inquiry for the user requesting rental and the rental product ( S62).

The rental management server 500 searches for credit information of a user requesting a rental in association with an external credit rating agency (not shown) (S64). For this, if necessary, the call center server 300 of FIG. 1 may be used. The call center server may contact the rental user terminal 200 in the form of a phone call or message to notify the fact of a credit inquiry for the user.

Specifically, in the process of inquiring the credit information described above (S64), the purchase transaction index (PTI) is basically provided at all times according to the application information set by the rental provider at the time of product registration, and at the time the consumer applies for the transaction It can be implemented as a procedure to process consumer's personal credit inquiry as an option.

The rental management server 500 also stores a list of allowable credit ratings for each rental item in its own database, and through a credit inquiry procedure for each rental item (S65) comparing the user's credit information inquiry result with the above list, It is determined whether or not to proceed with the rental of the corresponding item (S66).

The rental management server 500 transmits the credit inquiry result including the above determination result to the rental server 400 .

If there is no abnormality in the credit inquiry result, the rental server 400 enters into a rental contract with the rental user terminal 200 (S100), and if there is an abnormality in the credit inquiry result, it transmits a rental impossible guide message to the rental user terminal 200 (not shown).

The delivery inquiry procedure basically refers to a process of receiving a delivery completion message from the rental user terminal 200 when delivery of rental items is made and updating the delivery status in the delivery processing unit 420 accordingly. When courier delivery is selected among the delivery methods, the process of providing the delivery status of the parcel in real time in conjunction with the logistics management system of the courier company or receiving a message according to the parcel delivery completion and updating the delivery status in the delivery processing unit 420 is also included here. included Even if the delivery method is direct delivery or delivery using a delivery driver, a process of receiving a delivery completion message from the delivery person and updating the delivery status in the delivery processing unit 420 is also included here.

However, when the user member of the present invention performs work as a delivery driver, a separate management procedure for payment of delivery fees according to delivery work is required, and for this purpose, the delivery processing unit 420 of the rental server 400 and rental management The delivery manager 530 of the server 500 is linked.

First, the delivery management unit 530 of the rental management server 500 configures a pool of deliverers to deliver goods, in which the user proceeds to sign up as a delivery driver member (S111), and when signing up as a member, a delivery service agency contract is made. It is made by fastening (S112). Members who sign up for a delivery service agency contract and become members belong to a pool of delivery drivers who request delivery from the rental management server when delivering rental items in the future.

Thereafter, the member belonging to the delivery technology pool can wait for a delivery request for delivery of another person's product (S113) and receive a delivery request assigned to him or her through an app installed in the terminal. The app may be a rental service app installed in a general member's terminal or a separate app for delivery service.

When a request to use a delivery driver for product delivery is received by the rental server 400, the rental server 400 searches for delivery conditions such as the location of the deliverer, delivery distance, and delivery price, and assigns the deliverer according to a predetermined priority. As a result, if the rental provider or the rental user wishes to become a delivery driver and directly deliver the rental item, that person is assigned as the delivery driver with the highest priority (S114).

Here, direct delivery means that a person who has joined the delivery driver pool delivers the goods for a fee from the delivery driver's point of view (i.e., direct delivery for a fee). There is a difference from free direct delivery in the sense that the product user meets and delivers the product in person through mutual agreement.

When direct delivery for a fee is performed, the delivery processing unit 420 of the rental server 400 sends related information to the delivery management unit 530 of the rental management server 500 to be used to settle the fee of the corresponding deliverer.

On the other hand, a shipper assigned as a delivery driver completes the delivery and installation of the item (installation may be included if installation is required) (S115), and inputs the delivery/installation completion key through the delivery-related app of the terminal (S115). By doing S116, it is possible to transmit the delivery completion fact to the rental server 400, and the rental server 400 receiving this updates the delivery status of the delivery processing unit 420 (S117).

According to another embodiment, the function of allocating the delivery driver and calculating the delivery fee described above may be omitted in the process of implementing the present invention, but the function of directly inputting and bearing the net delivery cost when the rental provider registers the product is added. It can be.

When delivery using the delivery driver is completed, the delivery processing unit 420 of the rental server 400 transmits the related delivery completion information to the delivery management unit 530 of the rental management server 500 to support storage and management of delivery fees Do (S118).

When the delivery of the goods is completed, the overdue management procedure for receiving and managing the rental fee of the goods is carried out until the end of the contract. It is characterized in that the rental user pays the rental fee directly to the rental provider and the third party, the rental server and/or the rental management server operator, acts as an agent for the conventional process of solving rental fee-related problems between the parties.

Here, overdue management is a concept including rental fee management through normal billing and receipt. When billing and collection are normally carried out through the overdue management unit 540 of the rental management server 500, normal rental fee management that pays the rental provider an amount minus a predetermined fee from the monthly rental fee charged from the rental user in the following month However, if the rental fee is not received normally on a regular basis, the overdue management unit 540 transmits an overdue information message indicating that overdue has occurred to the rental provider terminal 100, while overdue occurrence and rental fee payment to the rental user terminal 100 It is necessary to transmit an overdue notification message to prompt (S123).

In addition, a web page for overdue management is provided to each rental provider (S124), and when overdue occurs, the rental provider can access the web page for overdue management using the rental service app to check overdue details. At this time, the system of the present invention The rental user is provided with a function to send a push text message and an e-mail (S125).

Nevertheless, if the overdue problem is not resolved, the rental contract is terminated or canceled based on the relevant provisions of the rental contract, and at this time, the damage compensation management unit 560 of the rental management server 500 sends A guide for civil and criminal relief procedures is provided to the rental provider through a separate web page for managing compensation for damages (S126), and at the request of the rental provider, evidence for proving damages is provided to the rental provider terminal 100, (S127), and, in some cases, various services such as providing an online procedure for appointing a legal representative (S128).

According to another embodiment, the function of providing the above-described evidence for proof of damage and the online procedure for appointing a legal representative may be omitted in the process of implementing the present invention.

Referring to FIG. 8, according to an embodiment, the purchase transaction index is a total purchase transaction index converted into an average value after adding the purchase transaction index by rental case and the rental transaction score for a certain period of time according to an embodiment. can be stored and managed respectively.

At this time, when the case-by-case or comprehensive purchase transaction index is provided to the terminal 100 of the rental provider, it is converted into words that indicate credit ratings from the highest to the lowest so that the rental provider can easily grasp at a glance by a certain score range, then rental It is displayed on the terminal 100 of the provider.

For example, when the case-by-case or comprehensive purchase transaction index is provided to a terminal of a rental provider, 'sunny', 'clear', 'cloudy', 'fog', which is a daily friendly expression so that the rental provider can easily grasp at a glance by a certain score range , 'slight wind', 'strong wind', 'strong wind caution', 'trade advisory', 'once a cloud', and 'after rain' are converted into words related to weather forecasts, and then the terminal 100 of the rental provider can be expressed in

Referring to FIG. 9, according to an embodiment, the purchase transaction index for each case is summed according to normal transaction history including rental payment processing, positive transaction reviews, or above-average ratings, rental payment cancellation, rental fee non-payment, midway Points may be deducted based on abnormal transaction history, including cancellations and returns, delayed or damaged rental items, negative reviews, or below-average ratings.

According to one embodiment, the rental service according to the present invention is a one-time complete sale that is completed, a takeover rental in which the ownership of the item is transferred to the rental user after the rental period ends, and the item after the rental period ends It may consist of a return rental that is returned to this rental provider.

At this time, only system payment (credit card) is available for rental of the product, but when financial factoring is connected later, financial factoring processing and account transfer may be additionally provided, and product types may not be changed during the rental service.

In addition, as for the payment method, in the case of direct cash payment, the management of the courier waybill number, etc. can be directly managed (chat / notification) by the person concerned (rental provider), and the transaction is confirmed / canceled by the trader, e.g., unprocessed within 7 days You can stop posting products at any time, and you can use Naver Pay, Kakao Pay, Samsung Pay, etc. in addition to monthly payment by credit card.

In addition, in the selection of the delivery and collection method, the product registration option selected at the time of sale is basically maintained, and the product registration information cannot be arbitrarily changed in the middle. If product registration needs to be changed in the middle, it can be handled by individual agreement between the parties to the rental transaction.

As described above, the present invention is a purchase transaction in which the transaction history of the rental user is converted into points when guaranteeing rental items and after-sales service (A / S) processing, which are pointed out as the most frequent cause of problems in conventional rental transactions between individuals By utilizing the index, it is possible to obtain the benefit of preventing or minimizing damages in advance due to problems in rental transactions that may be caused by rental users.

Although this specification contains various features of the invention, such features should not be construed as limiting the scope of the invention or the scope of the claims. In addition, features disclosed in individual embodiments in this specification may be combined to form a single embodiment, and conversely, various features described in a single embodiment may also be separately implemented in different individual embodiments.

Although actions are described in a specific order in the drawings, it should not be understood that such actions are performed in the specific order as shown, or that all described actions must be performed in order to obtain a serial order or a desired result. do. In certain circumstances, multitasking or parallel processing may be advantageous. In addition, it should be understood that the division of components of various systems in the above-described embodiments does not require such division in all embodiments. The program components and systems described above may generally be implemented as a single software product or as a package of multiple software products.

As described above, the method of the present invention may be implemented as a program and stored in a recording medium in a computer-readable form. Since this process can be easily performed by those skilled in the art to which the present invention belongs, it will not be described in detail.

The present invention described above is capable of various substitutions, modifications, and changes without departing from the technical spirit of the present invention to those skilled in the art to which the present invention belongs, and thus the above-described embodiments and It is not limited by drawings.

Claims

A rental provider terminal equipped with a rental service app for signing rental product registration, rental contracts, and rental management agency contracts;

A rental user terminal equipped with a rental service app for searching and selecting rental items, signing rental contracts, and managing rental fees;

a rental server that communicates with the rental provider terminal and the rental user terminal to perform rental registration processing, rental request response, rental product delivery management, and rental contract processing; and

A rental management server that communicates with the rental server to check the locations of the terminals, manage credit of rental items and rental users, manage delivery companies, manage overdue management, process purchases, and manage compensation for damages;

The rental management server includes a location management unit, a credit management unit, a shipper management unit, an overdue management unit, a purchase processing unit, and a compensation management unit,

The credit management unit stores and manages the purchase transaction index, which converts the normal product return history of the rental user in the product rental contract between individuals or the return history of abnormal products, including defects or non-payment of rental fees during the rental period, into points DB is linked,

Characterized in that the purchase transaction index DB stores the purchase transaction index and provides the purchase transaction index along with the personal information of the rental user at all times to be displayed on the rental provider terminal.

Rental service system using purchase transaction index.
According to claim 1,

Upon receiving the product rental request from the rental user terminal, the rental server requests a purchase transaction index of the user requesting product rental from the rental management server;

Characterized in that the rental management server provides the purchase transaction index of the user stored and managed in the credit management unit together with the personal information of the rental user to be displayed on the rental provider terminal.

Rental service system using purchase transaction index.
According to claim 1,

The purchase transaction index is a purchase transaction index for each case converted into points for each rental case; and a comprehensive purchase transaction index converted into an average value after summing the scores for each rental case for a certain period of time; stored and managed, respectively.

When the case-by-case or comprehensive purchase transaction index is provided to the terminal of the rental provider, it is converted into words indicating credit ratings from the highest to the lowest so that the rental provider can easily understand at a glance by a certain score range, and then displayed on the terminal of the rental provider characterized in that,

Rental service system using purchase transaction index.
According to claim 3,

When the above case-by-case or comprehensive purchase transaction index is provided to the rental provider's terminal, 'sunny', 'clear', 'cloudy', 'fog', 'wind', 'transaction Characterized in that it is converted into words related to weather forecasts including 'warning' and then displayed on the terminal of the rental provider.

Rental service system using purchase transaction index.
According to claim 3,

The purchase transaction index for each case is added up according to normal transaction history, including rental payment processing, positive transaction reviews, or above-average star ratings,

Characterized in that points are deducted according to abnormal transaction history, including cancellation of rental payment, non-payment of rental fee, cancellation and return, delay or damage to return of rental item, negative purchase review, or below-average rating,

Rental service system using purchase transaction index.
According to claim 1,

The rental service includes a complete sale that is completed as a one-time sale;

Acquisition type rental in which the ownership of the item is transferred to the rental user after the rental period ends; and

Characterized in that it consists of; a return type rental in which the item is returned to the rental provider after the rental period is over;

Rental service system using purchase transaction index.