KR20030058354A - supporting system for alternation repayment according to installment purchase including before and[or] after to become a member - Google Patents

Abstract

The present invention relates to an alternative repayment providing system according to an installment purchase, including before and after membership, and more particularly, installment for other goods or services irrespective of before and after the membership of the member using the reserve according to the purchase by joining as a product purchase member. The present invention relates to a system that allows for repayment of a purchase amount. To this end, the present invention, in the system for providing and managing the reserves to the member when purchasing the goods in a certain merchant, a member database that is notified and stored in the central server the personal information about the member who has agreed to purchase goods in a certain merchant; An affiliated store database in which information about an affiliated store in which the member purchases an article according to the agreement is stored; A sales database storing goods sales information sold to the members at the affiliated stores according to the goods purchase agreement of the members; A reserve database for storing information on the reserves provided according to the amount of goods purchased by the member at a certain merchant; A notification module for providing to the central server side installment purchase information in which the number of payments remains among information purchased by the member at a predetermined affiliate store or other than the membership before or after the subscription; An installment history database for storing installment purchasing information on the goods or services of the member notified in the above; And a reserve transfer module for transferring the reserves of the members stored in the reserve database to a financial account opened or designated by the member for replacement repayment according to the installment purchase.

Accordingly, the member can be provided with the reserves for the goods purchased after the purchase agreement, there is an advantage that can be replaced or supplemented with the reserves paid in installments.

In addition, there is another advantage that can be replaced or supplemented with the above payment amount remaining payment number of payments in installment purchase price purchased before membership.

Description

Supporting system for alternation repayment according to installment purchase including before and [or] after to become a member}

The present invention relates to an alternative repayment providing system according to an installment purchase including before and after membership, and more specifically, a user who wants to purchase a product is provided as a member by purchasing a product as a contract, and receives a reserve for the purchase of the product It relates to a system that can replace the payment of the purchased goods with the above reserve.

At present, when a company's products or services are used online and offline, points are earned, and if a certain point or more, the earning system that provides gift certificates or goods is prevalent. When using this earning system, the user will earn points more than a certain amount using the company and will be paid as a gift certificate or goods using the accumulated points, and the user will continue to use the company to accumulate points. As a result, companies can continue to attract customers.

However, the earning system as described above, after earning points by purchasing goods, payment is made only after a certain point, so the majority of users do not receive the benefits of the earning system. Therefore, the user may give up the points already accumulated without using the company continuously and leave the place.

In order to solve this problem, the company submits a necessity purchase plan to the user and pays the goods in advance, and then a system for repaying the goods with the reserves that the user purchases and accumulates according to the necessity purchase plan is implemented. It is becoming. With this system, the user will continue to use the company because they will earn after receiving the goods first.

However, the conventional method allows the user to arbitrarily select an item to be prepaid by the company and then select one of the users. Therefore, a problem arises in that the user cannot purchase a desired item using the system.

In addition, there are many cases in which excessive prices are set for the goods prepaid by some companies, and there are cases in which the user accumulates the reserves and membership fees accumulated by the user, which is a social problem.

Therefore, a system devised to solve the problems of the prior art, a system that can be used to replace the reserve for the purchase price of goods / services purchased from the merchant or other goods from a certain merchant through the purchase The purpose is to provide.

And, after the purchase of goods through the member stores of the member, since the reserve is transferred to the member's financial account, there is another object to provide a system that can secure the confidence in the reserve.

In addition, another object of the present invention is to provide a system that can be used to repay the remaining payment number of payments remaining in the payment of the installment payment before the membership using the reserve.

1 is a block diagram of an alternative repayment providing system according to an installment purchase including before and after membership in accordance with an embodiment of the present invention.

Figure 2: Membership flow chart of the alternative repayment providing system according to the installment purchase, including before and after subscription according to an embodiment of the present invention.

Figure 3: Accumulation accumulated flow chart of the replacement payment providing system according to the installment purchase, including before and after membership in accordance with an embodiment of the present invention.

Figure 4 is a flow chart of the reserve use of the alternative repayment providing system according to the installment purchase, including before and after membership in accordance with an embodiment of the present invention.

<Description of the reference numerals for the main parts of the drawings>

A10: Central Server A20: Web Server

A30: Reserve Provider B10: Goods / Service Provider

C10: Member 100: Member Database

200: merchant database 210: merchant

220: goods database 300: sales database

400: reserve database 500: notification module

600: installment history database 700: reserve transfer module

710: shortage notice module

In order to achieve the above object, in the system for providing and managing the reserves to members when purchasing goods at a certain merchant, personal information about a member who has agreed to purchase goods at a certain merchant is notified and stored in the central server. Member database; An affiliated store database in which information about an affiliated store in which the member purchases an article according to the agreement is stored; A sales database storing goods sales information sold to the members at the affiliated stores according to the goods purchase agreement of the members; A reserve database for storing information on the reserves provided according to the amount of goods purchased by the member at a certain merchant; A notification module for providing to the central server side installment purchase information in which the number of payments remains among information purchased by the member at a predetermined affiliate store or other than the membership before or after the subscription; An installment history database for storing installment purchasing information on the goods or services of the member notified in the above; And a reserve transfer module for transferring the reserves of the members stored in the reserve database to a financial account opened or designated by the member for replacement repayment according to the installment purchase.

And, the affiliated store database is characterized in that it comprises a; product database for storing information about the goods sold in the affiliated store.

In addition, the central server is configured to include a web server that allows the member to purchase goods online so that the member can be provided with the reserves for purchasing goods outside the merchant.

The web server may include an automatic saving module for notifying the central server of information on reserves provided according to the purchase of goods by the member.

The notification module may be configured to notify the central server from the affiliated store by using at least one method of fax, ARS, e-mail, mail, telnet, internet, and card reader.

The reserve transfer module may include a shortage notice module that notifies the member of a shortage when a payment amount according to an installment amount purchased by the member or the merchant is greater than the reserve amount.

Hereinafter, with reference to the accompanying drawings will be described in detail the replacement repayment providing system according to the installment purchase, including before and after membership in accordance with an embodiment of the present invention. 1 is a block diagram of an alternative repayment providing system according to an installment purchase including before and after membership in accordance with an embodiment of the present invention.

Alternative repayment providing system according to the installment purchase, including before and after membership in accordance with an embodiment of the present invention, member database 100, merchant database 200, sales database 300, reserve database 400, notification Module 500, installment history database 600, reserves can be divided into a transfer module 700.

First, the member database 100 will be described. The member database 100 stores personal information provided by a user who has agreed to purchase goods at a certain affiliate store 210 as a member. In addition, the member database 100 stores the contents described according to the form provided when the contract is concluded. In addition, it is generally provided in the form of a magnetic card or IC card for the accumulation of goods purchased. In addition, when a user opens a magnetic card or an electronic card provided at an affiliated store or a main store, basic personal information of a user that a user creates and submits is stored. In addition, the above case is a case of registering as a member C10 through a predetermined subscription process offline, and there may be various member registration methods used in addition to the above method. There are many ways to sign up via the internet, sign up via ARS, fax, and mail. In addition, the member registration method as described above corresponds to a general description thereof will be omitted. However, in the case of membership registration through the Internet, the user registers using a terminal connected to the Internet. After the first connection is made to the central server A10 according to a user's request, the user requests a membership to the central server A10. Accordingly, the central server A10 transmits a membership registration form to the user terminal. Accordingly, the user enters the user's personal information, the member registration form in which the personal information is input is transmitted to the central server A10, and to the member database 100 in the central server A10. It is configured to be stored or stored in another server connected to the central server (A10). The member database 100 further stores personal information required from a general Internet homepage such as a member ID, a password, a name, an address, a phone number, and information on the protector of the member C10. In addition, when issued to the magnetic or IC card according to the membership of the member (C10), card information such as the serial number of the issuing card is stored.

Next, the affiliate store database 200 will be described. The affiliated store database 200 stores information of the affiliated store 210 that provides the purchased goods to the member C10 registered in the member database 100. In addition, the affiliated store database 200 stores information on a conventional store registered as an affiliated store in the central server A10. In addition, the affiliated store database 200 includes information on the area, location, telephone number, trade name, fax, size, sales of the affiliated store.

Merchant database (200) is a store that wants to provide a reserve for the purchase of goods to the member (C10) committed to purchase goods, the agreement with the central server (A10) manager, the central server (A10) side for the store By providing the detailed information is stored in the central server (A10) or the server side interlocked with the central server (A10), it is registered as an affiliated store (210). In addition, the affiliated store database 200 may have many methods such as the affiliated store application on the offline, the online store affiliated application, etc., which is the general case in the prior art. It will be omitted.

In addition, the affiliated store database 200 is configured to include an article database 220 to store information about the article providing the reserve to the member (C10). The article database 220 stores information on articles held or provided by the affiliated store 210. Basic information such as product type, price, quantity, and reserves are stored. Since the article database 220 may be different for each of the affiliated stores 210, the affiliated store ID is separately stored. In addition, the article database 220 is transmitted to and stored in the central server A10, and registered in a web server A20 linked with the central server A10 to purchase goods of a member C10 online. It is configured to be. Accordingly, the member C10 may visit an affiliate store to purchase an item or order the item online. The above-mentioned web server A20 is configured in the form of a general internet shopping mall, and may allow the member C10 to separately select the affiliated shop 210.

In addition, when the magnetic card or IC card is issued in the member recruitment process, the affiliated store 210 should be provided with a recognizer for the card, that is, a card reader. Therefore, by reading the card to the card reader, it is possible to receive information about the member (C10). The membership card, card reader, etc. as described above is a very general case in the related art, so detailed description thereof will be omitted.

Next, the sales database 300 will be described. The sales database 300 is an article database sold in the affiliated store 210 or the web server A20.

The sales information for the goods registered in is stored. In addition, the sales database 300 stores a sale date, an article number, a member number, a sale price, a reserve, and an affiliated store ID. In addition, a database field such as a member number and an article number corresponds to an index value of the member database 100 and the article database 220.

The sales database 300 may be separately stored for each affiliate store 210, and the central server A10 may configure a sales database 300 for all affiliate stores. The classification of the sold goods can be confirmed by the Merchant ID database field. In addition, the sales database 300 is created by a card reader or other means together with information through the member's member card or member's serial number in the affiliated store 210, and is transmitted to and stored in the central server A10. .

Next, the reserve database 400 will be described. The reserve database 400 stores the accumulated information for the goods purchased by the member 210 or the web server (A20). The reserve database 400 stores the member ID, the amount of accumulation, the date of accumulation, whether or not to transfer, the index value of the sales database. And, the index value field (Field) of the sales database of the reserve database 400 is configured to know the sales information for the reserve. In addition, the reserve database 400 receives the sales information from the affiliated shop 210 in which the member has purchased the goods and stores the information in the central server A10 or in a linked web server A20.

In addition, the reserve database 400 is to provide information about the reserves to the member according to the member's access from the web server (A20) associated with the central server (A10), the member from time to time information about their reserves It is configured to know. Therefore, the member can plan and execute the use of the reserve.

Next, the notification module 500 will be described. The notification module 500 is a central server for the installment purchase information in which the number of payments remains among the information that the member purchases as goods or services in a certain merchant or other goods / services company B10 regardless of before and after membership registration. Serves to provide the side. That is, the notification module 500 serves to notify the central server A10 side so that the accumulated reserves can be used by members.

In addition, the notification module 500 inputs the information that the member purchased through the terminal connected to the Internet to the affiliated store or other goods / service company B10 installment, and the inputted information is the central server. A method of transmitting to the A10 side is used. In the above description, any of those corresponding to the case of using an Internet terminal or used as a conventional information notification means such as fax, mail, E-mail, ARS, etc. may be used.

In addition, the notification module 500 notifies the central server A10 when the number of payments during the installment purchase remains and the member wants to repay the replacement using the accumulated reserve.

Next, the installment history database 600 will be described. The installment history database 600 stores the installment purchase information of the member notified by the notification module 500 at the central server A10 side or the web server A20 side linked thereto. The installment history database 600 stores the installment history notified by the member after membership registration. In addition, the installment history database 600 stores the information provided by the member for using the accumulated reserve of the member, the member ID, purchase items, purchase amount, installment period, payment amount, etc. are stored on the Internet The terminal is configured to refer to the installment history of the member according to the member's needs in the web server A20 linked with the central server A10.

Next, the reserve transfer module 700 will be described. The deposit transfer module 700 is the amount of payment based on the notification module 500 and the installment history database 600 transmitted to the central server (A10) to the financial account of the member stored in the member database (100) It serves to transfer money. In addition, the deposit transfer module 700 may be driven under two or more agreements including at least members of the member C10, the affiliated store 210, and the reserve provider A30, and the reserve transfer module 700 without the member's consent. ) Is configured not to be driven.

In addition, the agreement of the member (C10) as described above can be provided to the central server (A10) with an encrypted authentication key, it is possible through the document authentication used offline.

In addition, the reserve transfer module 700 is configured to include a shortage notice module 710 for notifying the members of the shortage when the payment amount according to the installment amount purchased by the member or the other than the reserve amount is more than the reserve.

The lack notice module 710 will be described. The shortage notice module 710 will be withdrawn from the financial account of the member when the cumulative reserve of the member for a predetermined period is less than the payment amount for the installment history that the member has notified the central server A10 side. The remaining amount will remain outstanding. Therefore, when the amount of accumulated reserves is small by comparing the installment history database 600 stored in the central server A10 side with the accumulated accumulated reserves, to prevent outstanding payment of the installment of the members, The information is provided, and thus the member can prevent the outstanding balance by depositing the shortfall into his or her financial account.

Hereinafter, with reference to the accompanying drawings will be described a replacement repayment providing system according to the installment purchase, including before and after membership in accordance with an embodiment of the present invention. Figure 2 is a flow chart of the membership of the replacement repayment providing system according to the installment purchase, including before and after subscription according to an embodiment of the present invention.

First, a user is provided with information on an alternative repayment providing system according to an installment purchase including before and after membership by using a terminal connected to the Internet or visiting an offline merchant. In addition, the user accesses the web server A20 using the affiliated store 210 or a terminal connected to the Internet and requests membership registration (S100). Accordingly, the reserve provider (A30) or the merchant 210 seeks the user's consent to the agreements according to membership (S110), if the user agrees to the agreement (S110-1), the user Complete the registration form (S120). When using the terminal connected to the Internet in the above may be applied for subscription by any of the input via the keyboard and fill out the offline sign-up form. In addition, the membership registration form may be downloaded from a web server A20, or received from a merchant and filled in later to apply for a subscription through fax or mail.

Then, the created membership registration form is provided to the central server side (S130) and, accordingly, stored in the member database 100 linked to the central server A10 or the web server A20 (S140).

After all the member registration forms created by the member are stored in the member database 100, the central server A10 or the reserve provider A30 is stored in the member database 100 to the user registered as a member or the member is registered. The membership card will be sent to the address requested separately (S150). Then, the member will take over the sent out membership card (S160), it is possible to receive a reserve service using the membership card.

Next, Figure 3 is a cumulative flow chart of the reserve of the replacement payment providing system according to the installment purchase, including before and after membership in accordance with an embodiment of the present invention.

Using the membership card provided above, the member visits the shopping mall provided on the affiliated store 210 or the web server A20 (S200). Then, by searching the article database 220 provided in the web server (A20) to purchase the necessary goods or to purchase the necessary goods from the visited merchant (S210). In addition, according to the member's purchase of goods, the affiliated store 210 or the web server A20 asks the purchaser of the existence of a membership card (S220), and if a member card exists (S220-1). Present the membership card (S230). If there is no membership card, the membership registration request (S100) of FIG. 2 is performed.

In addition, the member side who purchased the goods in the web server (A20) or the merchant to provide the reserve information according to the goods purchased in the central server (A10) side (S240), accordingly the central server (A10) side The reserves are transferred to the financial account designated by the member in accordance with the purchase of the member (S250). In addition, the member can access the web server A20 using a terminal connected to the Internet to check the information on the reserve (S260) to check the reserve by entering the member's ID, password (S270).

Next, Figure 4 is a flow chart of the reserve use of the alternative repayment providing system according to the installment purchase, including before and after membership in accordance with an embodiment of the present invention.

The user repeatedly repeats the accumulation process as shown in FIG. 3 for a predetermined period of time. In addition, the user may make a replacement repayment for the installment purchase remaining in the number of installment purchases or the number of payments before the membership is newly generated in order to use the accumulated reserves. In the embodiment according to FIG. 4, an installment purchase occurring before membership is described as an embodiment.

First, the member finds a receipt which has been paid for in installment before joining the central server A10 as a member (S300). In addition, the installment period of the receipt is 10 months in total, and it is confirmed that 4 months remain (S310). Accordingly, the member prepares the data to be provided to the central server A10 through the installment receipt through the computer scanning operation (S320). In addition, the member uses a terminal connected to the Internet (S330) ID of the member. By entering a password (S340) to access the web server (A20) (S350).

The scanning file created above is notified to the central server A10 through the web server A20 (S360). Accordingly, the central server A10 compares the reserve amount and the installment amount of the member with respect to the replacement repayment request according to the installment amount notified by the member (S370). As a result of the comparison, if the reserve amount is larger than the installment amount (S370-1), the reserve is withdrawn and a substitute repayment is made according to the installment purchase (S380), and if the reserve is less than the installment amount (S370-2), information about the shortage is provided. The member will be notified (S370-3), and the member will be repaid (S370-4) by processing the amount of the deficit into the financial account designated by the member (S370-4).

In the above example of the present invention, the member unilaterally made through direct scanning, but other problems such as authenticity of the receipt may occur, so that both the member and the central server (A10) side can recognize other methods. It is configured to provide data. In addition, it will be apparent to those skilled in the art that various changes and modifications can be made within the scope of the present invention.

Accordingly, according to the present invention, a member who has agreed to purchase goods has an advantage of using the reserves for the purchase of goods through a certain merchant to replace the payment for the installment purchase amount for the goods / services purchased from the merchant or the other.

And, after the member purchases the goods through the merchant, since the reserve is transferred to the member's financial account, the member has another advantage of earning money.

In addition, there is another advantage that can be used to expand the use of the reserves can be repaid using the reserves remaining payments of the number of payments paid in installments purchased before the membership.

Claims (6)

In the system to provide and manage the reserves to members when purchasing goods at a certain merchant, A member database in which personal information about a member who has agreed to purchase goods at a certain affiliated store is notified and stored in a central server; An affiliated store database in which information about an affiliated store in which the member purchases an article according to the agreement is stored; A sales database storing goods sales information sold to the members at the affiliated stores according to the goods purchase agreement of the members; A reserve database for storing information on the reserves provided according to the amount of goods purchased by the member at a certain merchant; A notification module for providing to the central server side installment purchase information in which the number of payments remains among information purchased by the member at a predetermined affiliate store or other than the membership before or after the subscription; An installment history database for storing installment purchasing information on the goods or services of the member notified in the above; According to the installment purchase including before and after membership, characterized in that it comprises a; a deposit transfer module for transferring the member's reserves stored in the reserve database to the financial account opened or specified by the member for replacement repayment according to the installment purchase Alternative Reimbursement System. The method of claim 1, wherein the affiliate store database, An alternative repayment providing system according to an installment purchase, including before and after membership, characterized in that it comprises a; product database that stores information about the goods sold in the merchant. The method of claim 1, wherein the central server, System for providing a replacement payment according to the installment purchase, including before and after membership, characterized in that it comprises a; a web server that can purchase goods online so that the member can be provided with the reserves for purchasing goods outside the merchant . The method of claim 3, wherein the web server, An automatic redemption module for notifying the central server of the information on the reserves provided according to the purchase of the goods of the member; Alternative repayment providing system according to the installment purchase, including before and after membership, characterized in that it comprises a. The method of claim 1, wherein the notification module, A system for providing an alternative repayment according to an installment purchase including before and after membership, wherein the affiliated store is notified to the central server by using at least one of fax, ARS, e-mail, mail, telnet, internet, and a card reader. According to claim 1, wherein the reserve module transfer, Substitution according to the installment purchase, including before and after membership, characterized in that the member is configured to include, if the payment amount according to the installment amount purchased from the merchant or other than the reserve, the shortage notice module to notify the members of the shortage Reimbursement Offer System.