US 2020/0051055 A1Published application

Processing system and method for supporting advance purchase

OwnerKi-won Nam, Gil-Ju Park +1inventors

InventorsKi-won Nam, Gil-Ju Park, Ju Won Yi

Life of this patent

Estimating the term…

Loading patent…

Abstract

The present invention relates to a processing system and method for supporting an advance purchase, and has an object to provide to a processing system and method for supporting an advance purchase, in which, through advance purchase orders for consumption of products inevitable in the future, a company provides a support money to a user in advance via a financial company so as to allow the user to use the support money for consumption that is irrelevant to the current company, and thus the consumption may be boosted and future customers may be secured in advance, as well as the financial company provides the support money based on individual credit, such that risks may be distributed and an additional model for evaluating the credit of the company is not required.

Claims33

Dependent claims

A processing system for supporting an advance purchase, comprising:

a user terminal having an advance purchase support application installed therein, which is configured to allow a user to browse member company group information, request an advance purchase by designating a predetermined product, receive a support money as a reward for the advance purchase, and store advance purchase information of the user;
a financial company server configured to provide a user's advance purchase support money for the product in a loan form, and automatically repay the support money at the time of actual payment for the product;
and
an advance purchase support server configured to receive member companies that contract providing the support money for the advance purchase to upload the member company group information so as to be browsed by the user, calculate the support money according to a support rate set for each company and each product, request the financial company server to pay the support money and receive the same, and process actual purchase information on the advance purchase product,
wherein the advance purchase support server further comprises a certificate issue limit manager 36 configured to manage the advance purchase certificate to be issued within a credit rating of the user, a deposit balance of the user, or a consumption limit allowed to the user by the financial company,
the advance purchase support server manages in such a way that accumulated amounts and used amounts of the accumulated support moneys by each individual of the group members are calculated, thereby completing a calculation of the support money upon withdrawal from the group, and
a plurality of users form a consumption-sharing group, in which the support money is managed by accumulating so as to be jointly used, in the advance purchase support server, thereby processing so that the support money for the group purchase of the group members is managed by accumulating and being jointly used.

4 more elements

A method for supporting an advance purchase, comprising the steps of:

a) requesting an advance purchase support server for an advance purchase by selecting a predetermined company among advance purchase target companies uploaded to the advance purchase support server and a product thereof through an advance purchase support application 4 installed in a user terminal;
b) establishing a group in the advance purchase support server so that an advance purchase support money is accumulated in a group unit, and registers information on group members;
c) calculating a support money for advance purchase of the product by the advance purchase support server;
d) requesting a financial company server for the support money for advance purchase of the product by the advance purchase support server;
d) providing the support money to the user by the financial company server;
e) determining whether a credit limit of the user to whom the support money is to be paid through the advance purchase is greater than a sum of unpaid support money of the user by the financial company server, and if it is greater than, providing the support money to the user by the financial company server;
f) if an accumulation target is a group, providing the support money in the group unit by the financial company server;
g) accumulating the support money in the group unit by the advance purchase support server:
h) issuing an advance purchase certificate to the company and the user by the advance purchase support server;
i) purchasing a product corresponding to the advance purchase certificate through the advance purchase support application 4 of the user terminal to repay the support money;
and
j) when the support money is accumulated in the group unit, calculating the accumulated support money by each individual upon using the accumulated support money, by the advance purchase support server,
wherein, in step a)
when a user sets an advance purchase for a specific company and a certain amount,
further comprising the step of:
in the step c)
calculating a certain ratio for an advance purchase amount by the specific company as the support money to request a support.

14 more elements

Dependencies are inferred from the claim text.