KR20010113344A - The method of selling internet contents on an installment basis - Google Patents

Abstract

The present invention relates to an installment selling method of Internet contents, wherein when a user selects a site of installment financing, the user confirms the use by the member or enters his or her ID, password, passbook number or card number to register as a member. Steps,

After receiving the inputted information, the main server transfers the information to the financial institution to determine whether the user can installment sales, and then presents the scope to allow customized installment financing services such as total installment amount, installment months, monthly payments, and interest rates. To do that,

If you select the installment payment mode for payment of product purchase fee or service fee, the amount paid is subtracted from the installment total amount, and the next installment payment is checked.

If the amount of the payment is greater than the amount of the installment payment or there is an outstanding amount of the installment payment, the purchase is made within the amount of the installment amount by the delinquency prevention service that does not approve the installment payment, and the result of the settlement is stored in a database;

Tallying the payments based on the installment payment and delivering the information of the current payment amount, the previous month payment amount, the previous payment amount of the previous month, the total monthly payment amount, the loan product, the loan amount, and the settlement date;

This is done by notifying the financial company's new service information at the time of billing and by notifying the financial settlement date, thereby eliminating the inconvenience of paying a large sum in a large amount without burdening the purchase of expensive products. will be.

Description

The method of selling internet contents on an installment basis}

The present invention relates to an installment selling method of Internet contents, and more particularly, by using an internet network, when a user purchases a product and pays a price, payment is possible by installment according to his / her credit status. The present invention relates to an installment selling method of Internet content that eliminates the inconvenience of paying a large sum in lump sum with a card or cash so as not to take a large burden even when purchasing the product.

In general, due to the development of information technology, it is well known that almost all people have a computer and use various kinds of Internet networks to communicate necessary information or communicate with each other anytime, anywhere.

In addition, many Internet subscribers who use the Internet network use information provided by various servers very usefully, and many netizens enjoy playing games provided with the version upgrade on some servers.

In addition, many netizens are using e-commerce to purchase goods directly from a company or to order a desired item through the Internet.

In the above information retrieval, games, and e-commerce transactions, netizens enter a card number for the amount of time they spent searching or playing a game, or the amount of the purchased product. The bank account payment method is used to automatically transfer money from the bank account by entering the bank account number.

However, in the case of the conventional payment method based on the balance of a card or bank account, when a large amount of goods are to be purchased at once or expensive items are purchased using the Internet, If you do not have enough balance in the account or if you cannot pay a large amount on the next month's settlement date, you will not be able to purchase the desired product.

Accordingly, the present invention enables users who use the Internet network to pay by installment according to their credit status when the user uses the Internet network to pay the price after purchasing the product. It is an object of the present invention to provide an installment selling method of Internet content that eliminates the inconvenience of paying a large sum in lump sum by card or cash.

In the installment selling method of the Internet content of the present invention for achieving the above object, the user selects the installment financing site using the Internet network to display a user ID and password so as to confirm the use by the member. Wow,

If you are a first-time user instead of an already registered member, selecting the initial screen for joining as a member;

Displaying a user inputting his or her personal information including an ID and a password on the initial screen and simultaneously inputting a passbook number or a card number for payment;

Passing the personal information and bankbook number or card number entered by the user to the financial institution from the main server so that the user can determine whether installment sales are possible due to a good credit status;

According to the result of determining the user's credit status, when the user requests an installment purchase, a step of presenting a range to enable a customized installment financing service according to the individual's credit such as the total installment amount, the installment months, the range of monthly payments, and the interest rate Wow,

If the user requests installment payment to purchase expensive goods such as heavy equipment, car, piano, etc. or pay other service charges through each merchant, check whether the amount to be paid by the installment payment is more than the balance of the installment total amount. Installment purchases are made within the scope of their services,

In addition, if there is a request for an installment purchase, confirming whether the amount of the next installment payment is more than the amount of the monthly installment total amount, and notifying the merchant that the approval is rejected if the amount exceeds the installment amount;

If the amount of the installment is not exceeded in the total installment amount and the purchase amount is given in the installment month, the server that has received the information about this quickly performs the settlement according to the purchase and stores the result in the database;

The payment of the purchase price or service fee due to the user's installment payment is counted by the server for a certain period every month, and the user can receive information on the current monthly payment amount, the previous month's payment amount, the previous month's first payment amount, the monthly payment amount, the loan product, the loan amount, and the settlement date. Forwarding to

As a result of the above calculation, if the user has the outstanding amount of the installment payment in the previous month or the amount of the outstanding balance in the individual's financial transactions, including the mobile phone charges, and the amount exceeds the total amount approved in the monthly payment, the service based on the installment settlement will be performed later. Performing overdue services without disapproval;

In connection with each financial company to inform the information of the new service of the financial company when you charge the above charges,

By performing the financial schedule reminder service that simultaneously informs the user about the settlement date related to other financial transactions, it is possible to pay a large sum in lump sum without burdening expensive purchases. To eliminate the inconvenience.

1 is a schematic diagram showing the configuration of an Internet network according to an embodiment of the present invention.

2A and 2B are flowcharts illustrating an operation process according to an embodiment of the present invention.

Explanation of symbols on the main parts of the drawings

1 ... 1n: User 2: Internet

3 ... 3n: Merchant 4: Server

5: database 6: financial institutions

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

1 schematically illustrates the configuration of a wireline telephone network of the present invention,

At least one user (1) ... (1n) computers to purchase goods through a number of merchants (3) ... (3n) connected via the Internet network (2),

The server (4) connected to the affiliated stores (3) ... (3n) and the users (1) ... (1n) via the Internet network (2) installs while storing the necessary information in the internal database (5) I want to make general financial transactions

The financial institution 6, which is connected to the server 4 via the Internet network 2, provides financial information while providing credit information of each user.

Referring to the operation process of the present invention configured as described in more detail as follows.

The present invention provides a method and a process in which a user can pay in installments to search for information, play a game, or purchase a product through the Internet.

When the user selects the site of the installment financing using the Internet network (step 11), the user ID and password are displayed for input so that the user can confirm the usage by the member (step 12).

If the first-time user who is not a member who has already joined selects a menu for registering (step 13), a screen for registering as a member is displayed (step 14).

The user inputs his or her personal information including an ID and password by the initial screen and simultaneously inputs a passbook number or a card number for payment (step 15).

When the user inputs personal information and bankbook number or card number from the main server (step 16), the main server transfers the information to the financial institution to determine whether the user has a good credit status and installment sales are possible (step 17). ).

If there is a user's installment purchase request in the server 4 that recognizes the result of determining the user's credit status (step 18), the installment financing according to the individual's credit such as the total installment amount, the installment months, the range of monthly payments, and the interest rate The scope of the service is presented to enable the service of (step 19).

If the user requests an installment payment to purchase expensive goods such as heavy equipment, a car, a piano, or other service fee through each affiliate store (step 20), the amount to be paid by the installment payment is the balance of the installment amount. Make sure there is more and make installment payments within the scope of your service (step 21).

In addition, if the next installment request is requested (step 22), the amount of the payment is determined to be greater than the balance of the monthly installment amount (step 23). Notify the merchant (step 24).

If the amount of the installment is not exceeded in the installment amount and is purchased in a given installment month (step 25), the server which received the information is quickly settled according to the purchase (step 26), and the result is stored in the database. Save (step 27).

The payment of the purchase price or service fee due to the user's installment payment is counted on the server for a certain period of time each month (step 28) .The monthly payment amount, the previous month's payment amount, the previous month's payment amount, the monthly payment amount, the loan product, the loan amount, and the settlement date Information to the user (step 29).

As a result of the above counting, if the user has an outstanding amount of an installment payment in the previous month (step 30) or an individual outstanding amount in a financial transaction including a mobile phone fee (step 31), and the amount exceeds the monthly installment amount approved After the step 32, the service for preventing overdue is performed by disapproving the service by the installment settlement (step 33).

When billing the above, in association with each financial company informs about the new service of the financial company (step 34).

At the time of the billing, a financial schedule notification service for simultaneously notifying information about a settlement date related to another financial transaction of the user is performed (step 35).

Therefore, according to the installment sales method of the Internet content of the present invention, if the site of the installment financing is selected, the user confirms the use by the member or enters his or her ID, password, bankbook number or card number to register as a member; and ,

After receiving the inputted information, the main server transfers the information to the financial institution to determine whether the user can installment sales, and then presents the scope to allow customized installment financing services such as total installment amount, installment months, monthly payments, and interest rates. To do that,

If you select the installment payment mode for payment of product purchase fee or service fee, the amount paid is subtracted from the installment total amount, and the next installment payment is checked.

If the amount of the installment payment is greater than the amount of the installment payment or there is an outstanding amount of the installment payment, the purchase is made in the amount of the installment amount by the anti-overdue service that does not approve the installment payment, and the result of the settlement is stored in a database;

Tallying the payments based on the installment payment and delivering the information of the current payment amount, the previous month payment amount, the previous payment amount of the previous month, the total monthly payment amount, the loan product, the loan amount, and the settlement date;

This is done by notifying the financial company's new service information at the time of billing and by notifying the financial settlement date, thereby eliminating the inconvenience of paying a large sum in a large amount without burdening the purchase of expensive products. will be.

Claims (1)

When the user selects the site of the installment financing using the Internet network to display the user ID and password to confirm whether the member, The first time a user accesses a menu for registering as a member, and enters his or her personal information including ID and password, and a passbook or card number, Determining whether the user has a good credit status by passing the user's personal information and bank account number or card number to the financial institution from the main server, Presenting a range of customized installment financing services according to the individual's credit, such as the total installment amount, the installment months, the range of monthly payments, and the interest rate; When the user purchases a product through a merchant or requests an installment payment for a service fee, checking whether the amount to be paid is greater than the balance of the installment amount; If the following installment payment is made, the merchant checks whether the amount exceeds the monthly installment balance, and notifies the merchant of a message denying the approval. When the transaction is made by the installment purchase, the settlement of the information in the server that has received the information quickly and storing the result in a database; The amount of payment due to the user's installment payment is aggregated by the server for a certain period of each month, and the information about the current monthly payment amount, the previous month's payment amount, the previous month's payment amount, the monthly payment amount, the loan product, the loan amount, and the payment date is delivered to the user. , If there is an outstanding balance in the previous month or an outstanding balance in an individual's financial transactions, and the amount exceeds the monthly installment payment amount, the subsequent step does not approve the service based on the installment settlement, and thus performs the overdue prevention service. Wow, In connection with each financial company to inform the information of the new service of the financial company when you charge the above charges, Installment sales method of the Internet content, characterized in that performed by the steps of the financial schedule notification service that simultaneously informs the user about the payment date associated with another financial transaction.