Operation server and system operation method for complex staging contract progress supporting risk management

Abstract

The invention provides an operation server and system operation method for complex staging contract progress supporting risk management, and the method comprises the steps: obtaining customer information, contract information and product information related to the complex staging contract progress, a step of variably determining an indirect installment contract deadline within the complex installment contract deadlines, and determining a remaining deadline, which is determined among the complex installment contract deadlines and excludes the indirect installment contract deadline, as a direct installment contract deadline; the contract information and the product information are based on a step of generating additional service information related to an additional service provided to a customer of the integrated installment contract when the integrated installment contract is signed, and an indirect installment contract period, a direct installment contract period, the additional service information, and customer information. A step of creating a complex installment contract using the contract information and the product information; and a step of providing information about the complex installment contract to a user of the system.

Description

Technical Field

[0001] This invention relates to an operation server and operation method for a system supporting the progress of complex phased contracts for risk management, and more specifically, to an operation server and its operation. Background Technology

[0002] Consumers pay for products or services. If the product price is high or a one-time payment is inconvenient, payment can be made through an installment payment contract, where the amount is paid in installments. Thus, installment payment contracts, based on the characteristics of the goods, products, or services for which consumers are paying in installments, can be categorized into direct installment payment contracts and indirect installment payment contracts, depending on their type and amount.

[0003] For example, indirect installment contracts are suitable for expensive cars and can serve as a way to utilize credit card installment plans, easing the burden of large upfront payments when buying electronics and furniture. On the other hand, direct installment contracts are insurance products where consumers are unsure when products or services will be provided. They can be used as a way for both parties to agree to pay a fixed amount monthly or annually during transactions involving long-term services such as travel, rental, or subscription products.

[0004] However, in the case of direct installment contracts, due to the nature of the product, the price is divided into multiple installments, which the consumer pays continuously over a relatively long period. In such cases, businesses providing products or services through direct installment contracts face significant risks. Furthermore, the benefits that can be offered to consumers are reduced.

[0005] Specifically, businesses that offer products or services to consumers through direct installment contracts may face the risk of having to manage installment payment delinquencies until they recover the costs incurred in providing the initial products or services. Additionally, businesses may face the risk of consumers canceling contracts or incurring late fees before recovering their initial costs.

[0006] Therefore, while many products and services utilize direct installment contracts, businesses offering products or services to consumers through such contracts face risks. There is a risk of imposing a burden on operators. In other words, a new installment contract model capable of managing the risks of direct installment contracts, or a system to mitigate those risks, is needed. Summary of the Invention

[0007] The problem that the invention aims to solve

[0008] The purpose of this invention is to address the aforementioned problems by supporting the progress of complex installment contracts and mitigating the risks that may arise during the execution of direct installment contracts. We provide a method for operating a server and system that can effectively determine the contract term or contract based on the characteristics of the customer.

[0009] means for solving problems

[0010] To achieve the aforementioned objective, one aspect of the present invention provides an operation server and a method for operating the system to support the progress of complex installment payment contracts for risk management.

[0011] The operation method of the operating server includes acquiring customer information, contract information, and product information related to the progress of complex installment contracts; representing the acquired customer information; and, based on the contract information and product information, variably determining the indirect installment contract term within the complex installment contract term contained in the contract information. The direct installment term is determined as the remaining term excluding the indirect installment contract term determined within the complex installment contract term. The above contract information and product information are based on additional service information related to the additional services to be provided to the customer of the comprehensive installment contract generated when the comprehensive installment contract is signed, as well as the indirect installment payment contract term, direct installment payment contract term, additional service information, customer information, and the use of contract information and product information to create complex installment payment contracts. It includes providing information about complex installment payment contracts to system users.

[0012] The steps for determining the term of an indirect installment payment contract are as follows: the specified number of rounds within the term of the complex installment contract is determined as the first round; the maximum number of rounds in the term of the indirect installment contract is variably determined within a preset range based on the risk of the complex installment contract; and the period from the first round to the maximum round is determined as the term of the indirect installment payment contract.

[0013] The steps for creating additional services are: calculating the amount obtained from the customer through the indirect installment contract included in the complex installment contract; calculating the amount based on the various types of services registered in the system; determining the additional services for the customer and the objects to which the additional services are provided to the customer; and the operator of the complex installment contract making decisions on the indirect installment contract based on contract information.

[0014] In the indirect installment contract period within a complex installment contract period, the customer instructs the credit card company to pay the installment amount of the product. At the beginning of the first round of the indirect installment contract period, the credit card company instructs the operator to make a one-time payment equivalent to the total installment amount obtained from the customer during the indirect installment contract period.

[0015] In a direct installment contract within a complex installment contract period, the customer instructs the operator to pay the installment payments for the product.

[0016] The additional service is: when a complex installment payment contract is applied between the operator and the customer, it can be instructed that an object of an entity identified as providing additional services to the customer be provided to the customer.

[0017] The steps for determining the term of an indirect installment payment contract are as follows: the customer information includes the customer's age, gender, and credit score; the contract information includes the term of the complex installment payment contract; the product information includes the product amount and the product category used; the complex installment payment contract risk calculation step determines the maximum number of rounds within a preset range based on the calculated risk level, thereby variably determining the term of the indirect installment contract within the term of the complex installment contract.

[0018] For indirect installment payment contracts, the higher the calculated risk, the shorter the decision-making time. Conversely, the lower the calculated risk, the longer the time required for confirmation.

[0019] The risk is calculated as follows: a first preset range for risk scoring that includes a predetermined range of customer age; a second preset risk score for customer gender; a third preset risk score for a predetermined range that includes customer credit score; a fourth risk score determined by calculating risk by comparing the complex installment contract term with a preset term; a fifth risk score calculated by comparing the product amount with a preset amount; and a sixth risk score calculated based on the product category.

[0020] Invention Effects

[0021] The method of operating the server according to the present invention, as described above, can resolve or manage the risks held by the operator of the direct installment contract through complex installment contracts. Furthermore, through complex installment contracts, a large cash benefit can be provided to customers who purchase products or use services in a one-time manner.

[0022] Furthermore, the operation method of the operating server of the present invention can provide customers with a large amount of cash discounts at one time, which has the effect of encouraging the purchase of products or the use of services. Therefore, it has the effect of providing positive benefits to each operator and affiliate as a party to a complex installment payment contract. Attached Figure Description

[0023] Figure 1 This is a schematic diagram illustrating a system environment that supports risk management for the progress of complex installment contracts according to one embodiment.

[0024] Figure 2 This is a diagram illustrating the hardware configuration of an operation server for a system that supports the progress of complex installment contracts for risk management, according to an embodiment.

[0025] Figure 3This is a flowchart illustrating an operational method performed in an operations server of a system supporting the progress of complex installment contracts for risk management, according to an embodiment.

[0026] Figure 4 This is a flowchart illustrating a method for creating a complex installment payment contract in the system's operating server according to an embodiment.

[0027] Figure 5 A first complex installment payment contract created by the operating server of a system according to an embodiment is shown in the figure, which is used to illustrate the implementation.

[0028] Figure 6 This is a diagram illustrating a second embodiment of a complex installment payment contract created in the system's operating server according to an embodiment.

[0029] Figure 7 A third complex installment payment contract created by the system's operations server according to an embodiment is shown in the figure, which is used to illustrate the implementation.

[0030] Figure 8 A fourth complex installment payment contract created by the operating server of a system according to an embodiment is shown in the figure, which is used to illustrate the implementation.

[0031] Figure 9 A fifth composite installment payment contract created by the operating server of a system according to an embodiment is shown in the figure, which is used to illustrate the implementation.

[0032] Explanation of reference numerals in the attached figures

[0033] 10: Operating the server 20: Operating the server

[0034] 30: Credit card company server; 40: Client terminal

[0035] 50: Secondary Servers 100: Operational Servers

[0036] 110: Processor 120: Memory

[0037] 130: Transmitting and receiving device; 140: Input interface device

[0038] 150: Output interface device; 160: Storage device

[0039] 170: Bus Detailed Implementation

[0040] Because the present invention can be modified and has various embodiments, specific embodiments will be shown in the accompanying drawings and described in detail in the detailed description. However, this is not intended to limit the invention to the specific embodiments, and it should be understood to include all modifications, equivalents, and substitutions contained within the spirit and scope of the invention. In describing each drawing, similar reference numerals are used for similar parts.

[0041] Terms such as first, second, A, and B may be used to describe various components, but components should not be limited by these terms. The terms are used only to distinguish one component from another. For example, a first component may be named a second component, and similarly, a second component may be named a first component, without departing from the scope of the invention. These terms and / or include combinations of or any one of several related statements.

[0042] When a component is referred to as "connected" or "connected" to another component, it can be understood as being able to connect directly to or be linked to another component, but other components should also exist in between. On the other hand, when it is said that a component is "directly connected" or "directly linked" to another component, it should be understood that no other components exist in between.

[0043] The terminology used in this application is for describing specific embodiments only and is not intended to limit the invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In this application, terms such as “comprising” or “having” are intended to indicate the presence of features, numbers, steps, operations, components, portions, or combinations thereof described in the specification, but are not intended to indicate the presence of: it should be understood that this does not preclude the possibility of the presence or addition of elements, numbers, steps, operations, components, portions, or combinations thereof.

[0044] Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention pertains. Terms as defined in common dictionaries should be interpreted as having a meaning consistent with their meaning in the relevant technical context, and should not be interpreted in an ideal or overly formal sense unless expressly defined in this application.

[0045] In this specification, a direct installment payment contract refers to a contract in which a business receives a fixed monthly payment from a customer in exchange for providing services or goods. Examples include fixed monthly communication fees from telecommunications companies, monthly fees for OTT services, monthly subscription fees, and rental fees for various household appliances / water purifiers. It is a contract in which a business agrees to collect payments for services or goods in installments.

[0046] Furthermore, in this specification, an indirect installment payment contract refers to an agreement between a credit card company and a business operator where the credit card company assumes payment risk based on the customer's credit rating. Credit card installment payments refer to a contract where a credit card company pays a total amount to the credit card customer's counterparty in exchange for credit, and the credit card company charges the customer monthly installments based on the total amount. The terms are calculated monthly.

[0047] Indirect installment contracts involve the credit card company paying the full amount to the business operator, who then assumes the risk of outstanding receivables based on the customer's creditworthiness, while the business operator receives the full amount from the credit. Since the credit card company bears no risk of non-payment, there is no risk of non-payment. On the other hand, direct installment contracts involve the business operator (the provider of goods or services) assuming the risk of early cancellation of the monthly product or non-payment of installments. Therefore, the business operator provides cash benefits, and if this occurs, the business operator must bear all resulting losses.

[0048] To address this issue, according to embodiments of the present invention, a complex installment contract method combining direct installment contracts and indirect installment contracts is proposed.

[0049] Preferred embodiments of the present invention will now be described in detail with reference to the accompanying drawings.

[0050] A schematic diagram illustrates a system environment that supports risk management for the progress of complex phased contracts, according to one embodiment.

[0051] refer to Figure 1 According to an embodiment, system 1 supporting the progress of complex installment contracts for risk management includes an overall management system 1, an operations server 10, a business server 20, and a credit card company. Server 30 and the complex may include a customer terminal 40 and an affiliate server 50, where the customer terminal 40 is a device used by a customer applying for an installment payment contract.

[0052] Operations server 10 may refer to a device that manages and supports the progress of complex installment payment contracts, and can create relevant information required for the execution of complex installment payment contracts. For example, operations server 10 records contracts related to the progress of complex installment contracts, such as the period, contract type, and information on additional services related to the contract offered to the customer (e.g., which may imply cash benefits), and can be created.

[0053] Additionally, the operations server 10 serves as the business server 20 and the credit card company, supporting the progress of complex installment contracts for risk management. Necessary information can be sent or requested and received from server 30, client terminal 40, and auxiliary server 50; therefore, communication between each of servers 20, 30, 50, and client terminal 40 is possible.

[0054] Business server 20 can refer to equipment such as a business server that provides services or goods to customers through complex installment contracts. Credit card company server 30 can refer to equipment such as a credit card company server that supports indirect installment contracts included in complex installment contracts. Customer terminal 40 is as described above. It can refer to a device by which a party uses the complex installment contract of this invention to purchase and use products such as services or goods from an operator.

[0055] On one hand, affiliate server 50 may refer to an affiliated company pre-connected to a business operator or credit card company, or an affiliated device pre-registered in system 1. For example, the affiliate provides products or services related to the business or credit card company. This can be provided as an additional service offered to customers in this invention.

[0056] According to an embodiment of the present invention, the operation server 10 of the system 1 supporting the progress of complex installment contracts for risk management can generate information related to the progress of complex installment contracts. By sending the generated information to servers 20, 30, 50 and customer terminal 40, we can support the progress of the company's complex installment payment contracts.

[0057] Figure 2 This is a diagram illustrating the hardware configuration of an operation server for a system that supports the progress of complex installment contracts for risk management, according to an embodiment.

[0058] refer to Figure 2 According to an embodiment, an operation server 100 of a system supporting the progress of complex installment payment contracts for risk management may include at least one processor 110 and a memory 120 storing instructions that instruct at least one processor 110 to perform at least one operation.

[0059] At least one of the processors 110 is a central processing unit (CPU), a graphics processing unit (GPU), or, in the example, a proprietary processor that performs the function according to the method, means a digital processor.

[0060] Memory 120 is at least one of the configurable numbers, ranging from moderately volatile to moderately non-volatile. For example, memory 120 can be a read-only memory (Read-Only Memory, ROM) and a random access memory (Random Access Memory, RAM).

[0061] The system's operation server 100 supports the progress of complex installment payment contracts for risk management, and includes input data, intermediate temporary data, and may also include a storage device 160 for storing output data, etc. For example, the storage device 160 is a flash memory, hard disk drive (HDD), solid-state drive (SSD), or various memory cards (e.g., microSD cards).

[0062] Additionally, the operating server 100 of the system supporting the progress of complex installment payment contracts for risk management includes a digital transceiver 130 that performs communication via a wireless network for sending and receiving data. Furthermore, the operating server 100 of the system supporting the progress of complex installment payment contracts for risk management includes an input interface device 140, a power output interface device 150, a storage device 160, and more. Each of these elements included on the operating server 100 of the system supporting the progress of complex installment contracts for risk management is connected to each other via a bus 170 for communication.

[0063] For example, the operating server 100 of the system that supports the progress of complex installment payment contracts for risk management: a desktop computer, laptop computer, notebook computer, mobile phone, tablet computer, smartwatch, smart glasses, e-book reader, PMP (portable multimedia player), portable game console, navigation device, digital camera, DMB (digital multimedia broadcasting) player, digital recorder, digital audio player, digital video recorder, digital video player, and may be a PDA (personal digital assistant), etc.

[0064] Figure 3 This is a flowchart illustrating an operational method performed on an operational server of a system that supports risk management of the progress of complex installment contracts, according to one embodiment. Figure 4 This is a flowchart illustrating a method for creating a complex installment payment contract in the system's operating server according to an embodiment.

[0065] Figure 5 A first complex installment payment contract created by the operating server of the system according to an embodiment is shown. Figure 2 This is a diagram illustrating the implementation method. Figure 6 This is a diagram illustrating a second embodiment of a complex installment payment contract created in the system's operating server according to an embodiment. Figure 5 and Figure 6 This can refer to embodiments that further include auxiliary servers.

[0066] Figure 7 A third complex installment payment contract created by the system's operations server according to an embodiment is shown. Figure 2 This is a diagram illustrating the implementation method. Figure 8A fourth complex installment payment contract created by the operating server of the system according to an embodiment is shown. Figure 2 This is a diagram illustrating the implementation method. Figure 9 A fifth composite installment payment contract created by the operating server of the system according to an embodiment is shown. This figure is used to illustrate the implementation.

[0067] refer to Figure 3 According to one embodiment, the system's operation server includes customer information related to the progress of complex installment payment contracts, contract information, and obtains product information S100.

[0068] For example, customer information includes the customer's name, contacts, credit score, gender, and age. Contract information includes the term of the complex installment contract, the number of times the indirect installment contract was applied for, information on the parties executing the complex installment contract, and a diagram of the complex installment contract. It may also include topics related to additional services offered to the customer in connection with the complex installment contract. Product information includes the names of the products purchased by the customer through the complex installment contract, and it may include information on the category and amount.

[0069] The running server provides information related to the progress of complex installment payment contracts that can be obtained from user terminals, which are the devices used by users of the system. For example, users of the system include business operators, credit card companies, and may include customers and affiliates; each piece of information on the running server can be obtained from at least one of the connected business servers, credit card company servers, customer terminals, and affiliate servers.

[0070] Since then, the operating server can determine the indirect installment period S200 of complex installment contracts.

[0071] A complex installment contract can refer to a contract that combines indirect and direct installment contracts. Specifically, through a complex installment contract, during the indirect installment period, the customer pays the full amount that must be paid to the operator through the indirect installment contract. During the direct installment period, this may mean that the price is paid through the direct installment payment contract.

[0072] At this point, the operations server collects pre-obtained customer information related to the progress of complex installment contracts. Based on the multiple project and product information included in the contract information, the indirect installment contract term can be variably determined within the complex installment contract term included in the contract information.

[0073] For this, see Figure 4 The system's operating server can calculate the risks of complex installment payment contracts, S210.

[0074] For example, the operational server includes the customer's age, gender, and credit score; the contract information contains complex installment payment terms; the product information contains product amounts; and the risks of using installment payment contracts with complex product categories can be calculated.

[0075] Specifically, the operation server can check or calculate each project and the risk score corresponding to each project, and the sum of the risk scores calculated for each project can be used to determine the risk of complex installment payment contracts.

[0076] First, the operations server has a preset age range for a predetermined range that includes the customer's age. You can check your risk score. Here, the operations server compares multiple age groups based on the customer's age, and you can check the age range that includes the customer's age. Since then, the operations server has pre-established a first preset age range for the confirmed age range. You can check your risk score.

[0077] For multiple age ranges, a preset risk score can be set for each age group. The younger or older the age, the higher the risk score. As the age moves towards a relatively middle range, the risk score can be set lower. For example, multiple age ranges and a first preset risk score S_1 for each age range can be preset, as shown in Table 1 below.

[0078] Table 1

[0079] Year <![CDATA[First risk score (S1)]]> 10 units 90 2 zeros 70 3 zeros 50 4 zeros 30 5 zeros 20 6 zeros 30 7 zeros 50 8 zeros 70 9 zeros 90

[0080] Since then, the operations server can check a second risk score preset for the customer's gender. The customer's gender can be male or female; different risk scores can be preset for males and females.

[0081] For example, the risk score S_2 for the second male can be preset to 20, as shown in Table 2 below, while the risk score for the female can be preset to 40.

[0082] Table 2

[0083]

[0084]

[0085] In other words, if a customer is male, the risk score can be preset to be lower than if the customer is female. Since the operations server can confirm a customer's gender and preset a second risk score for the confirmed gender, your risk score can be checked.

[0086] Since the operations server is a pre-defined third party, its pre-defined scope includes the customer's credit score. Your risk score can be checked. Here, the operations server can compare the customer's credit score to multiple credit score ranges, and the credit score ranges that include the customer's credit score can be checked. Since the operations server uses a pre-defined third party to determine the credit score range, the value of the risk score can be checked.

[0087] Regarding multiple credit score ranges, the preset risk score for each range can be set to increase as the credit score decreases; the higher your credit score, the lower it can be set. A customer's credit score is calculated by institutions such as personal credit rating agencies assessing their creditworthiness. It can be represented as a value, for example, evaluated within a range of 0 to 1000.

[0088] For example, multiple credit scoring ranges and a third preset risk score S_3 for each credit scoring range can be preset, as shown in Table 3 below.

[0089] Table 3

[0090]

[0091]

[0092] Since the operations server compares the complex installment contract terms with the preset terms to calculate the risk, 4. Based on the comparison results, it determines your risk score. Here, the operations server can preset different risk scores based on the comparison results between the complex installment contract terms and the preset terms.

[0093] Fourth, when calculating the risk score for complex installment contracts with terms shorter than the preset term, it can be set to a lower risk score than when the complex installment contract term is longer than the preset term. In other words, if the complex installment contract term is longer than the preset term, the risk score for that case may be relatively higher. For example, the fourth risk score can be determined according to Formula 1 below S_4.

[0094] [Formula 1]

[0095]

[0096] In Equation 1, D can represent the term of a complex installment payment contract, and D_thresh can represent a preset time period. S_(4_low) is the term of the complex installment payment contract. D_thresh may indicate a risk score if the term is less than the preset time. S_(4_high) is the third case where the term of the complex installment payment contract is longer than the preset term D. D_thresh may indicate a risk score.

[0097] In this way, the server operates on the fourth phase based on the complex installment contract terms and preset terms. You can check your risk score.

[0098] Since the operations server compares the product amount with a preset amount to calculate the risk, it can confirm the fifth risk score based on the comparison results. Here, the operations server can preset different risk scores based on the comparison results between the product amount and the preset amount.

[0099] Fifth, if the product quantity is less than the preset quantity, a risk score is calculated, which can be set to a lower risk score than when the product quantity is greater than the preset quantity. In other words, if the product price exceeds a preset amount, the risk score may be relatively high. For example, the fifth risk score can be determined according to Formula 2 below S_5.

[0100] [Formula 2]

[0101]

[0102] In equation S_5, the fifth term could signify a risk score, P could represent the quantity of the product, and P_thresh could represent a preset quantity. S_(5_low) indicates whether the product price P is lower than a preset amount. P_thresh could signify a risk score. S_(5_high) indicates that the product price exceeds the preset amount P_thresh, which could signify a risk score.

[0103] At this point, the operations server can accumulate and store information on complex installment contracts created on the operations server. The standard amount for calculating risk can be determined based on the accumulated and stored information on multiple complex installment contracts. The operations server can calculate the average of the product amounts confirmed through multiple accumulated and stored complex installment payment contracts, and determine the amount corresponding to the calculated average as the standard amount for calculating risk. This amount can also be used to calculate the risk score.

[0104] In this way, the server provides a fifth price based on the product quantity and preset quantity. You can check or calculate the risk score.

[0105] Since then, the operations server can view the pre-set sixth risk score for this product category. Here, product categories can include service categories and goods categories. A service category may refer to a product that does not physically exist but is offered to customers as a service. A goods category may refer to a product that has a physically existing object form.

[0106] For the sixth risk score, different risk scores can be set according to the product category. Specifically, if the product category is a service category, the product category can be set to have a lower risk score than if it were a goods category. In other words, if the product category is a goods category, the risk score may be relatively higher than that of the service category. For example, as shown in Table 4 below, the risk score S_6 for the product category can be preset to a risk score of 40, while the service category can have a preset risk score of 20.

[0107] Table 4

[0108] category <![CDATA[Sixth risk score S6]]> commodity 4 0 Serve 2 0

[0109] In this way, the operations server can view the sixth risk score preset for that product category.

[0110] Since the server is the primary unit capable of calculating the sum of the risk score and the sixth risk score, the calculated amount can be used as the risk of the complex installment payment contract. In other words, the risk of the complex installment payment contract can be represented by Formula 3 below, S_D.

[0111] [Formula 3]

[0112] S D =S1+S2+S3+S4+S5+S6

[0113] Since then, the operating server can variably determine the term S220 of an indirect installment contract based on the risk level calculated for a complex installment contract.

[0114] Specifically, the operating server variably determines the proportion of the indirect installment contract term within the complex installment contract term based on the calculated risk level. However, as the calculated risk level increases, the indirect installment contract term shortens within the complex installment contract term. You can determine the contract term; the lower the calculated risk, the longer the indirect installment contract term can be determined within the complex installment contract term.

[0115] Meanwhile, the operating server can variably determine the proportion of the indirect installment contract term within the complex installment contract term. The specified round confirmed in the contract information is determined as the first round of the indirect installment contract term, and the maximum number of rounds corresponding to the indirect installment contract term can be determined within the preset range of the indirect installment contract term.

[0116] For example, the preset range for the indirect contract period starts from the first designated round. The maximum number of rounds in the indirect contract period is the minimum number of indirect installment periods required to apply the indirect installment contract to the installment payment contract. This can be determined from the number of satisfactory rounds to the preset maximum number. Here, the first round, i.e., the designated round, may refer to the first round at the beginning of the indirect contract period. The minimum number of satisfactory rounds may mean 12 rounds based on the first round of the indirect contract period, and the maximum possible number of rounds may mean 60 rounds. Therefore, the indirect contract period is the designated round, i.e., the first round. It can start from one round, and the maximum number of rounds in the indirect contract period can be determined within the range of 12 to 60 rounds. In other words, the maximum possible number of rounds in the indirect contract period cannot exceed 60 rounds.

[0117] At this point, the operating server can determine the maximum number of rounds for the indirect installment contract term based on the level of risk. Information regarding the maximum number of rounds is sent to the operator's server (i.e., the system's user server), the credit card company's server, and can be transmitted to the customer's terminal. Once at least one of the operator's server, the credit card company's server, or the customer's terminal receives the specified maximum number of rounds from the device within the determined maximum number, that number of rounds can be used as the maximum number of rounds for the indirect installment contract term. In other words, the maximum number of rounds for the indirect installment contract term can be determined primarily based on the level of risk. Subsequently, through negotiation between the parties to the complex installment contract, another selection can be made within the maximum number of rounds determined according to the level of risk.

[0118] refer to Figure 3 The operating server can determine the remaining term of a complex installment contract, excluding the indirect installment contract term, as the direct installment contract term S300.

[0119] For example, if a complex installment payment contract has a term of 24 months, and an indirect installment payment contract has a term of 12 months, the operating server is bound by the term of the complex installment payment contract. The 24-month indirect installment payment contract term excludes the 12-month period, leaving a 12-month direct installment contract term. In this case, the direct installment payment contract term refers to the period during which the customer and the business directly sign the contract. It can refer to the time period during which the business makes payments, while the indirect installment contract term can refer to the period during which the customer makes payments to the credit card company through the indirect installment contract.

[0120] Since then, the operations server can generate additional service information to continue executing complex installment payment contracts S400.

[0121] Specifically, the operations server can calculate the amount received from the customer through an indirect installment contract. Furthermore, the operations server can determine additional services for the customer based on the amount calculated from various types of additional services registered in the system. For example, there are multiple types of operations servers. Therefore, a predetermined price range corresponding to each additional service can be pre-set. The operations server can then determine the additional services for the customer based on the amount corresponding to the amount received from the customer through the indirect installment contract.

[0122] Since the operations server is the entity that provides additional services to customers, the operator of complex installment contracts based on pre-obtained contract information can choose between indirect installment contracts included in the complex installment contract between the credit card company and its affiliates. In this case, if the contract information does not include information about the entity providing additional services to the customer, the operations server can be a business server, which can be obtained by requesting from at least one of the credit card company's server, the customer terminal, and the affiliate server.

[0123] Since then, the operation server can generate additional service information, which includes information about the additional services identified for customers with complex installment payment contracts and the entity that provides the identified additional services to the customers.

[0124] Since the operation server is started in step S100, a complex installment contract S500 can be created using the information confirmed or determined in step S400, which can manage the risks of a direct installment contract.

[0125] That is, the operation server is started in step S100. The indirect installment contract term, direct installment contract term, additional service information, and customer information are confirmed or determined in step S400 to be able to create complex installment payment contracts using contract information and product information.

[0126] Specifically, the integrated installment contract created by the operating server instructs the customer to pay the installment amount of the product to the credit card company during the indirect installment contract period of the integrated installment contract. The credit card company can instruct the operator to make a one-time payment equivalent to the total installment amount received from the customer during the indirect installment contract period at the beginning of the first round of the indirect installment contract period. Additionally, in a compound installment contract, the customer can instruct the operator to pay the installment amount of the product during the direct installment contract period during the compound installment contract period.

[0127] Furthermore, complex installment contracts are those that, when applied between an operator and a customer, can instruct the entity responsible for providing the additional services to the customer to do so by including information on additional services within the complex installment contract.

[0128] Since the operations server can provide information about created complex installment payment contracts to system users, these users include the system's operating servers, business servers, credit card company servers (which may include client terminals and subsidiary servers), and the operations server itself. Furthermore, the operations server can output complex installment contract information through its user interface. Therefore, merchants, credit card companies, and users responsible for managing the system's operations server, in addition to customers and affiliated companies, can also view information about complex installment payment contracts.

[0129] On one hand, the structure of a complex installment payment contract created by an operation server according to an embodiment of the present invention can vary based on the entity identified as providing additional services to the customer. Figure 5 and Figure 6 This likely refers to situations where there is no affiliation between the parties to a complex installment payment contract. Figures 7 to 9 This may refer to situations where there are affiliated companies among the parties to complex installment payment contracts.

[0130] Figures 5 to 9 The operator server 20, credit card company server 30, customer terminal 40, and affiliated server 50 described herein are operators. This may have the same meaning as the credit card company, customer, and affiliate. Therefore, for ease of understanding, each server and customer terminal can be described as a party to the complex installment payment contract.

[0131] First, refer to Figure 5 Based on a complex installment contract, credit card company 30 and customer 40 can apply a payment method based on indirect installment contract a during the indirect installment contract period. Therefore, customer 40 can pay the installment amount to credit card company 30 based on payment method based on indirect installment contract a during the indirect installment contract period.

[0132] In addition, based on the complex installment contract, operator 20 and customer 40 have an indirect installment contract term. Besides the direct installment contract period, a payment method based on direct installment contract b can be used. Therefore, customer 40 can make monthly payments to operator 20 during the direct installment contract period based on the payment method based on direct installment contract b.

[0133] On one hand, credit card company 30 can pay operator 20 a one-time amount c equivalent to the total amount received from customer 40 during the indirect installment contract period. In this respect, operator 20 can offer customer 40 additional services d corresponding to the amount paid from credit card company 30 at the start of the complex installment contract.

[0134] See Figure 6 , as reference Figure 5As described, customers 40, operators 20, and credit card companies 30 apply payment methods based on indirect installment contracts and payment methods based on direct installment contracts, and... Figure 5 The structures are different, and it can be seen that the additional service d is provided directly from the credit card company 30 to the customer 40.

[0135] See Figure 7 For reference Figure 5 As described, customer 40, operator 20 and credit card company 30 apply payment methods based on indirect installment contracts and payment methods based on direct installment contracts. Credit card company 30 provides additional services d to customer 40 to continue executing complex installment payment contracts. Customer 40 pays for the products of the affiliated company through affiliated company 50. It can be seen that the structure provides discounts e for products paid for as additional services can be seen.

[0136] See Figure 8 , as reference Figure 5 As described, customer 40, operator 20 and credit card company 30 apply payment methods based on indirect installment contracts and payment methods based on direct installment contracts. Operator 20 makes payment d for providing additional services to subsidiary 50. The structure of subsidiary 50 providing additional services e to customer 40 can be seen.

[0137] See Figure 9 , as reference Figure 5 As described, customer 40, operator 20 and credit card company 30 apply payment methods based on indirect installment contracts and payment methods based on direct installment contracts. Credit card company 30 provides payment d for providing additional services to subsidiary 50. You can see the structure of subsidiary 50 providing additional services e to customer 40.

[0138] The method according to the invention can be implemented in the form of program instructions, which can be executed by various computer devices and recorded on a computer-readable medium. The computer-readable medium may include individual or combined program instructions, data files, data structures, etc. The program instructions recorded on the computer-readable medium may be specifically designed and constructed for this invention, or may be known and available to those skilled in the art of computer software.

[0139] Examples of computer-readable media may include hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, etc. Examples of program instructions may include machine language code created by a compiler, and high-level language code that can be executed by a computer using an interpreter. The hardware device may be configured to operate in conjunction with at least one software module to perform the operations of the present invention, and vice versa.

[0140] In addition, the method or apparatus can be implemented by combining all or some of its components or functions, or it can be implemented individually.

[0141] Although the invention has been described above with reference to preferred embodiments, those skilled in the art can make various modifications and variations to the invention without departing from the spirit and scope of the invention as set forth in the appended claims. I understand you can do it.

Claims

1. A systematic operational method for the progress of complex phased contracts that supports risk management, wherein, The system operation method includes the following steps: Obtain customer information, contract information, and product information related to the progress of complex installment contracts; This indicates that the obtained customer information, contract information, and product information contain multiple items, and the indirect installment contract term can be variably determined within the complex installment contract term contained in the contract information. The remaining term after deducting the term of the indirect installment contract from the term of the complex installment contract shall be defined as the term of the direct installment contract. Contract information and product information are based on ancillary service information generated at the time of signing the comprehensive installment contract and related to the additional services provided to customers of the comprehensive installment contract; and Create complex installment payment contracts by including indirect installment contract terms, direct installment contract terms, additional service information, customer information, usage contract information, and product information.

2. The system operation method for supporting risk management of complex phased contract progress according to claim 1, wherein, In the steps of determining the term of an indirect installment payment contract, The designated number of rounds within the term of the complex installment contract is defined as the first round. The maximum number of rounds within the term of the indirect installment contract is variably determined within a preset range based on the risk of the complex installment contract. The period from the first round to the maximum round is defined as the term of the indirect installment payment contract. The steps to generate additional service information include: Calculate the amount obtained from the customer through indirect installment contracts included in complex installment contracts. The system has registered multiple amounts calculated from additional services corresponding to different types, and identifies additional services for the customer. According to the contract information, the entity providing the additional services to the customer is the operator of the composite installment contract, and the credit card company and its affiliates make decisions regarding the indirect installment payment contract.

3. The system operation method for supporting risk management of complex phased contract progress according to claim 2, wherein, During the indirect installment period within a complex installment contract period, the customer instructs the credit card company to pay the installment amount for the product. At the start of the first round of the indirect installment contract period, the credit card company makes a one-time payment to the operator equivalent to the total installment amount received from the customer during the indirect installment contract period. Within the complex installment payment contract period, and within the direct installment payment contract period, the customer instructs the operator to make installment payments for the product. The additional service instruction, when applicable under a composite installment contract between the operator and the customer, will provide the entity that provides the additional service to the customer to the customer.

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