System and method for providing shopping pension, shopping bonus, sales pension, and sales bonus linked to commercial transactions

Abstract

A shopping annuity payment system and method for saving a portion of the profits from the sale of shopping annuity items and paying a shopping annuity to a purchaser of the shopping annuity item for a certain period of time is disclosed. To this end, a shopping annuity payment system linked to commercial transactions is provided, including: a purchase information collection module for collecting purchase information, a purchase code registration module for registering a transaction code capable of identifying the order of purchase for each of the purchase information, a purchase fund calculation module for calculating a fund for each transaction code at an agreed fund rate for each payment amount of the transaction code and generating purchase fund information for each transaction code, a first storage module for storing the purchase information in which the transaction code is registered, the purchase fund information for each transaction code, shopping annuity information including the shopping annuity payment period, the total amount of the shopping annuity, and an annuity start reserve, and a shopping annuity payment module for paying the total amount of the shopping annuity in installments over the shopping annuity payment period when the accumulated purchase fund for the transaction code reaches the annuity start reserve. According to the present invention, by providing a shopping annuity for a predetermined period to a purchaser who purchases a shopping annuity item using funds generated from the sale of the shopping annuity item, it is possible to ease the burden on consumers for shopping and stimulate sales of the shopping annuity item.

Description

[Technical Field]

[0001] The present invention relates to a shopping annuity payment system and method for paying shopping annuities to purchasers in conjunction with online and offline commercial transactions, and more particularly to a shopping annuity payment system and method for saving a portion of sales revenue when a shopping annuity item is sold and paying a shopping annuity to purchasers of the shopping annuity item for a certain period of time. [Background technology]

[0002] Generally, a pension system is a type of social insurance system in which workers or citizens pay a set amount for a certain period of time and receive pensions when insured events such as old age, disability, retirement, or death occur.

[0003] Depending on the operator, this pension system is divided into public pensions, private pensions, and individual pensions.

[0004] The public pensions are managed by the state or special corporations established by law, and in Korea there are the National Pension, civil servant pension, military pension, and private school pension.

[0005] Private pensions are implemented to supplement public pensions, and include corporate pensions and collective pensions.

[0006] In addition, personal pensions are pensions that are managed by financial institutions such as life insurance companies that recruit policyholders.

[0007] However, these traditional pension systems are operated based on the regular premiums paid by participants, making it difficult for people with no income or financial means to join and maintain their pensions.

[0008] In the case of the National Pension, there is a system in place that allows people to defer paying their insurance premiums if they have no income for a long period of time, but if the amount of insurance premiums paid is low, the amount of pension received will also be correspondingly low, so there is a limit to how much the National Pension alone can provide for real stability in retirement life.

[0009] Furthermore, many experts agree that if the current system of the National Pension System is maintained, the fund will be depleted within a few decades. Even if pension payments are reduced or insurance premiums are raised in order to prevent the fund from running out, the reality is that it is difficult to avoid the irrational situation in which the burden on participants increases significantly and benefits are reduced.

[0010] As a result, there is growing interest in new pension systems and methods that can supplement or replace traditional pension systems.

[0011] For example, in Korean Patent No. 10-1427390, a pension savings system was invented that allows users to integrate points accumulated by company through online and offline transactions, convert them into cash, and then use the converted amount to subscribe to pension products.

[0012] However, this type of pension savings system requires that after signing a contract with a specific insurance company, the points exchanged amount is paid as insurance premiums. Therefore, if the points exchanged amount is insufficient to cover the insurance premiums, the subscriber must pay the shortfall in cash.

[0013] Therefore, if there are no consumption expenditures and no accumulated points, the insurance premiums must be paid entirely in cash, which means that there is a limitation that this is not significantly different from traditional individual pensions. Summary of the Invention [Problem to be solved by the invention]

[0014] Therefore, the first object of the present invention is to provide a shopping annuity payment system linked to commercial transactions, which pays a shopping annuity to a purchaser of a first-order commercial transaction even if the purchaser is unable to pay a predetermined amount for a certain period of time, once the purchaser purchases an item eligible for shopping annuity payment through a commercial transaction and all the reserve funds for starting the annuity are prepared through a subsequent commercial transaction.

[0015] The second object of the present invention is to provide a shopping pension payment method linked to commercial transactions that can promote consumer consumption by providing shopping pensions based on individual commercial transactions rather than the cumulative amount of shopping purchased by the consumer. [Means for solving the problem]

[0016] In order to achieve the first object of the present invention, one embodiment of the present invention provides a shopping pension payment system linked to commercial transactions, including: a purchase information collection module that collects purchase information including purchaser information and payment amount when a shopping pension eligible product is purchased; a purchase code registration module that registers a transaction code that can confirm the purchase order for each of the purchase information; a purchase fund calculation module that calculates the fund for each transaction code at an agreed-upon fund rate for each payment amount of the transaction code and generates purchase fund information for each transaction code; a first storage module that stores the purchase information in which the transaction code is registered, the purchase fund information for each transaction code, and shopping pension information including the shopping pension payment period, the total amount of the shopping pension, and an annuity start reserve; and a shopping pension payment module that analyzes the purchase fund information for each transaction code stored in the first storage module, and pays the total amount of the shopping pension in installments for the shopping pension payment period to a recipient set in the purchase information registered in the transaction code when the accumulated purchase fund for the transaction code reaches the annuity start reserve.

[0017] In order to achieve a second object of the present invention, one embodiment of the present invention provides a shopping pension payment method linked to commercial transactions, including: a setting step of storing shopping pension information including a shopping pension payment period, a total shopping pension amount, and an annuity start deposit in a first storage module; a purchase information collection step of a purchase information collection module collecting purchase information including purchaser information and payment amount of items eligible for shopping pension from an online shopping mall server or an offline affiliated store terminal; a code registration step of a purchase code registration module registering a transaction code capable of identifying the purchase order for each of the purchase information and storing it in the first storage module; a reserve fund calculation step of a purchase reserve fund calculation module calculating reserve funds for each prioritized transaction code at an agreed reserve rate for each payment amount of the transaction code and generating purchase reserve fund information for each transaction code; and an annuity payment step of the shopping pension payment module analyzing the purchase reserve fund information for each transaction code stored in the first storage module, and paying the total shopping pension amount in installments for the shopping pension payment period to a recipient set in the purchase information registered in the transaction code when the accumulated purchase reserve funds for the transaction code reach the annuity start deposit. [Effects of the Invention]

[0018] According to the present invention, by providing a shopping annuity for a predetermined period to a purchaser who purchases a shopping annuity item using funds generated from the sale of the shopping annuity item, it is possible to ease the burden on consumers for shopping and stimulate sales of the shopping annuity item.

[0019] In addition, the present invention provides a sales annuity to a seller who has sold a product subject to a sales annuity for a predetermined period of time using funds generated from the sale of the product subject to a sales annuity, thereby allowing the seller to receive an annuity in an amount greater than the amount deducted at the time of the sale of the product subject to a sales annuity.

[0020] Furthermore, the present invention can induce shopping pensioners who receive a high shopping bonus payment rate to purchase more shopping pension items because shopping is the same as earning income.

[0021] In addition, the present invention does not give vested rights according to the order of subscription to the shopping pension service, but registers a code for each purchase of a shopping pension eligible item and provides a shopping pension determined for each code, thereby providing everyone with a fair opportunity to earn a shopping pension.

[0022] In addition, the present invention can encourage purchasers of shopping annuity items to advertise the shopping annuity service because the more purchasers of shopping annuity items, the earlier they can receive the shopping annuity. [Brief explanation of the drawings]

[0023] [Figure 1] 1 is a configuration diagram for explaining a shopping pension payment system according to the present invention. [Figure 2] 1 is a block diagram illustrating a shopping pension payment system according to the present invention. [Figure 3] 1 is a schematic diagram showing a binary tree structure arranged according to the purchase order of purchase information; [Figure 4] This is a schematic diagram showing the code-off of settlement codes in which pension initiation reserves are accumulated by rearranging the binary tree structure. [Figure 5] This is a schematic diagram showing the code-off of settlement codes in which pension initiation reserves are accumulated by rearranging the binary tree structure. [Figure 6] 1 is a flowchart illustrating a shopping pension payment method according to the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0024] A shopping pension payment system linked to commercial transactions (hereinafter abbreviated as "shopping pension payment system") according to a preferred embodiment of the present invention will be described in detail below with reference to the accompanying drawings.

[0025] FIG. 1 is a configuration diagram for explaining a shopping pension payment system according to the present invention, and FIG. 2 is a block diagram for explaining a shopping pension payment system according to the present invention.

[0026] 1 and 2, the shopping pension payment system according to the present invention includes a user terminal 100 connected to a wired or wireless communication network (hereinafter referred to as a "communication network"), an online shopping mall server 200 that sells shopping pension items so that a user of the user terminal 100 can purchase the shopping pension items online, and transmits purchase information including purchaser information and a payment amount via the communication network when the shopping pension item is purchased by the user, and a pension management server 300 that collects purchase information including the purchaser information and the payment amount, registers a transaction code, calculates a reward fund for each transaction code at an agreed-upon reward rate for each payment amount for the transaction code, generates purchase reward fund information for each transaction code, and pays the total shopping pension amount in installments over the shopping pension payment period when the accumulated purchase reward fund for the transaction code reaches the pension start reserve. Optionally, the system may further include an offline affiliated store terminal 400 that transmits purchase information including purchaser information and a payment amount of a purchaser who purchased the shopping pension item offline via the communication network. Here, the shopping annuity eligible products refer to products and services linked to the shopping annuity service.

[0027] Each component will be described in more detail below with reference to the drawings.

[0028] Referring to FIGS. 1 and 2, the shopping pension payment system according to the present invention includes a user terminal 100.

[0029] In order to participate in the shopping pension service linked to commercial transactions, the user terminal 100 inputs an individual identification number (ID) and information on the recipient who will receive the shopping pension. The ID and recipient information are transmitted via a communication network to an online shopping mall server 200 that sells items eligible for the shopping pension and a pension management server 300.

[0030] In addition, when the ID information and the recipient information are provided from the user terminal 100 to the online shopping mall server 200 , the online shopping mall server 200 transmits the ID information and the recipient information to the pension management server 300 .

[0031] The ID information may include one or more of the user's date of birth, the user's address, the user's telephone number, the user's email address, a login ID and password, and the like.

[0032] The recipient information may include financial account information such as bank accounts, brokerage accounts, etc.

[0033] In addition, the user terminal 100 generates purchase request information for the shopping discount item selected by the user and transmits it to the online shopping mall server 200 .

[0034] In addition, after purchasing a shopping annuity item, the user terminal 100 sets a shopping annuity recipient and a shopping bonus recipient differently and transmits the set to the online shopping mall server 200. For example, when purchasing a shopping annuity item from the gift corner of the online shopping mall server 200, the user terminal 100 can select the person who will receive the gift as the shopping annuity recipient and the purchaser as the shopping bonus recipient.

[0035] This user terminal 100 means a means capable of connecting to a pension management server 300 that provides shopping pension services via a wireless communication network including a plurality of base stations, base station control devices, mobile communication switches, and WAP gateways, and a wired communication network such as the Internet, and may be a wireless terminal or a wired terminal.

[0036] In this case, the wireless terminal may be a smartphone, tablet PC, laptop, or portable computer, and the wired terminal may be a personal computer, communication terminal, or smart TV having an internet connection means.

[0037] If necessary, the user terminal 100 may be provided with a pension service app that connects to the pension management server 300, performs membership registration procedures to receive the shopping pension service, and guides users to online shopping malls and offline affiliated stores that sell items eligible for the shopping pension. The pension service app may also connect to the pension management server 300 and display information on items eligible for the shopping pension that are directly sold by the pension server.

[0038] Referring to FIGS. 1 and 2, the shopping pension payment system according to the present invention includes an online shopping mall server 200.

[0039] The online shopping mall server 200 is connected to the user terminal 100 via a communication network, and is connected to the pension management server 300 via a short distance by wire or wirelessly or via a long distance by a communication network, and displays information on shopping pension items for sale on a web page.

[0040] In addition, the online shopping mall server 200 sells items eligible for shopping pension benefits, and when the items eligible for shopping pension benefits are purchased by the user terminal 100, it generates purchaser information using ID information for the user of the user terminal 100, and transmits purchase information including the purchaser information and the payment amount to the pension management server 300 via a communication network. At this time, the purchaser information may include a personal identification code.

[0041] The purchase information may further include the name of the shopping item, the payment amount, the payment time, the purchase cost, and the like.

[0042] In addition, the online shopping mall server 200 sells an annuity product, and when the annuity product is sold, it generates information about the seller who provided the annuity product to the online shopping mall server 200, and transmits sales information including the seller information and the payment amount to the annuity management server 300 via a communication network. At this time, the sales information may include the name of the annuity product, the payment amount, the payment time, the margin rate, the purchase cost, etc.

[0043] In addition, the sales annuity item may be the same as the shopping annuity item. In this case, when the sales annuity item is purchased by the user terminal 100, the online shopping mall server 200 transmits purchase information, buyer information, sales information, and seller information to the annuity management server 300 via the communication network.

[0044] 1 and 2, the shopping pension payment system according to the present invention includes a pension management server 300.

[0045] The pension management server 300 provides a shopping pension service and is connected to the user terminal 100, the online shopping mall server 200, and the offline affiliated store terminal 400. In this case, the pension management server 300 stores the ID information and recipient information transmitted from the user terminal 100, the online shopping mall server 200, or the offline affiliated store terminal 400 in the customer database DB of the shopping pension service.

[0046] In this way, the pension management server 300 receives the ID information and the recipient information directly from the user terminal 100 or receives the ID information and the recipient information indirectly via the online shopping mall server 200 or the offline affiliated store terminal 400 .

[0047] If necessary, the pension management server 300 can deposit the pension start reserve prepared for the shopping pension service in a bank account or a securities company account and earn operating profits. To this end, the pension management server 300 may be provided with an operating unit (not shown) that automatically transfers the sales profits of the settlement money transferred to the pension providing financial account, after deducting the current operating expenses, to the pension operating financial account. At this time, the operating unit transfers a portion of the expenses in the pension operating financial account to the pension providing financial account in response to a request from the shopping pension management unit 310 and the sales pension management unit 320, and uses them for pension payment.

[0048] Meanwhile, the pension management server 300 can provide an annuity sales service, and for this purpose, is connected to the user terminal 100, the online shopping mall server 200, and the offline affiliated store terminal 400. In this case, the pension management server 300 stores the ID information and recipient information transmitted from the user terminal 100, the online shopping mall server 200, or the offline affiliated store terminal 400 in the customer database DB for the annuity sales service.

[0049] When the purchase information including the purchaser information and the payment amount is sent from the online shopping mall server 200 or the offline affiliated store terminal 400, the pension management server 300 registers a transaction code that can confirm the purchase order in the purchase information, and then stores the purchase information with the registered transaction code in the shopping pension item transaction DB.

[0050] The pension management server 300 calculates the savings for each transaction code at the agreed savings rate for each transaction code settlement amount, and when the accumulated purchasing savings for each transaction code reaches the pension start reserve, it pays the total shopping pension to the purchaser in installments over the shopping pension payment period.

[0051] When sales information including seller information and payment amount is sent from the online shopping mall server 200 or the offline affiliated store terminal 400, the pension management server 300 registers a transaction code that can confirm the purchase order in the sales information, and then stores the sales information with the registered transaction code in the sales pension item transaction DB.

[0052] The annuity management server 300 calculates the reserve fund for each transaction code at the agreed reserve rate for each settlement amount of the transaction code, and when the accumulated sales reserve fund for each transaction code reaches the annuity start reserve, it pays the total amount of sales annuity to the seller in installments over the sales annuity payment period.

[0053] On the other hand, if the shopping annuity item and the sales annuity item are the same and both the shopping annuity service and the sales annuity service are provided through the commercial transaction of the item, a single transaction code that provides the shopping annuity service and the sales annuity service is registered in the purchase information and sales information, respectively.

[0054] In this way, a single transaction may include all of the shopping pension, shopping bonus, sales pension, and sales bonus, or only some of them.

[0055] The pension management server 300 then divides the pension start reserve fund established by the subsequent commercial transaction into a shopping pension, a shopping bonus, a sales pension, and a sales bonus for use.

[0056] TIFF2026501997000002.tif48167

[0057] In addition, the amounts of the shopping pension, shopping bonus, sales pension, and sales bonus are determined when the transaction code is generated. The shopping pension amount and recipient, shopping bonus amount and recipient, sales pension amount and recipient, and sales bonus amount and recipient are also specified when the transaction code is generated. When the savings from a later-ranked transaction are accumulated in the higher-ranked transaction code, these savings are allocated to the respective pensions and bonuses to accumulate pensions and pay bonuses. At the same time, since the allocations are made proportionally, when the transaction code is de-coded (graduated), the shopping pension, shopping bonus, sales pension, and sales bonus are all the same.

[0058] The pension management server 300 pays the shopping pension and sales pension in equal installments for a predetermined period, but if it becomes difficult to pay in installments for the predetermined period due to financial resource management problems or computer failures, the period can be automatically extended.

[0059] In a specific embodiment, the pension management server 300 according to the present invention includes a communication unit (not shown) and a shopping pension management unit 310 , and may optionally further include a sales pension management unit 320 .

[0060] The communication unit constituting the pension management server 300 according to the present invention is connected to the user terminal 100, the online shopping mall server 200, and the offline affiliated store terminal 400 via a communication network, and stores ID registration information and recipient information provided by the user terminal 100, the online shopping mall server 200, or the offline affiliated store terminal 400 in the customer DB.

[0061] The communication unit receives purchase information from the online shopping mall server 200 or the offline affiliated store terminal 400 and stores it in the shopping discount item transaction DB. At this time, the purchase information includes the purchaser information and the payment amount.

[0062] The communication unit also receives sales information from the online shopping mall server 200 or the offline affiliated store terminal 400 and stores it in the sales payment item transaction DB. At this time, the sales information includes seller information and payment amount.

[0063] The shopping pension management unit 310 constituting the pension management server 300 according to the present invention provides shopping pension services and includes a purchase information collection module 311, a purchase code registration module 312, a purchase reserve fund calculation module 313, a first storage module 314, and a shopping pension payment module 315, and may optionally further include a shopping bonus payment module 316.

[0064] The purchase information collection module 311 collects purchase information including purchaser information and payment amount when a shopping cart item is purchased, and detects the purchase information stored in the first storage module 314 after being provided from the online shopping mall server 200 or the offline affiliated store server.

[0065] For example, the purchase information collection module 311 may be connected to the online shopping mall server 200 through a communication unit, where the shopping mall product is purchased, and collect purchase information from the online shopping mall server 200 .

[0066] In addition, the purchase information collection module 311 can be connected to a payment terminal of an offline affiliated store where the shopping discount item is purchased through a communication unit and collect purchase information from the payment terminal.

[0067] The purchase code registration module 312 registers a transaction code that can confirm the purchase order for each purchase information, and stores the purchase information with the registered transaction code in the first storage module 314 .

[0068] FIG. 3 is a schematic diagram showing a binary tree structure in which purchase information is sorted according to purchase order.

[0069] The purchase reward fund calculation module 313 calculates reward funds for each transaction code at the agreed reward rate for each payment amount of the transaction code registered in the purchase information, and generates purchase reward fund information for each transaction code, and can use a binary tree structure as shown in Figure 3. Here, the binary tree structure means an arrangement structure in which positions increase in multiples of two at each level, starting from the apex as shown in Figure 3.

[0070] Referring to FIG. 3, the purchase reward point calculation module 313 is configured to arrange each transaction code in a binary tree structure according to the purchase order, calculate reward points at the agreed reward rate for each transaction code settlement amount, and generate purchase reward point information that accumulates the reward points for each transaction code linked in the tree order.

[0071] For example, the reserve funds generated by transaction codes with ranks 8 and 9 are deposited in the transaction codes with ranks 1, 2, and 4, which are connected by a tree (line), respectively, and the reserve funds generated by transaction codes with ranks 12 and 13 are deposited in the transaction codes with ranks 1, 3, and 6, which are connected by a tree (line). In other words, if the agreed accumulation rate is 2%, the accumulation of 20,000 won (1 million won * 0.02) generated by the transaction code ranked 10 will be accumulated in the transaction codes ranked 1, 2, and 5, respectively, and the accumulation of 1,000 won (500,000 won * 0.02) generated by the transaction code ranked 13 will be accumulated in the transaction codes ranked 1, 2, and 5, respectively.

[0072] Meanwhile, the purchase reward fund calculation module 313 can determine the amount of payment minus VAT as the target for reward fund calculation. For example, if the payment amount is 110,000 won as in the sixth order in Figure 3 and the agreed reward rate is 2%, the purchase reward fund calculation module 313 generates 2,000 won as a purchase reward fund and generates purchase reward fund information to deposit the 2,000 won in the first and third order transaction codes, respectively.

[0073] In one embodiment, when the purchasing reserve fund calculation module 313 of the present invention receives purchasing information through an online shopping mall server operated by a shopping pension service provider, it calculates the sales revenue by deducting the purchase cost from the payment amount of the shopping pension eligible item, and adds the sales revenue to the shopping pension payment reserve fund stored in the first storage module 314.

[0074] In another embodiment, when the offline affiliated store terminal 400 receives purchase information, the purchase reward points calculation module 313 according to the present invention calculates the franchise partnership fee agreed upon for each payment amount of the transaction code registered in the purchase information, and adds the franchise partnership fee to the shopping reward points payment reserve stored in the first storage module 314. At this time, the franchise partnership fee may be set to, but is not limited to, 5% to 20% of the payment amount. In addition, the purchase reward points calculation module 313 calculates the franchise partnership fee based on the payment amount minus value added tax.

[0075] In this way, the purchase reserve fund calculation module 313 calculates the reserve fund when a shopping annuity eligible product is traded, generates purchase reserve fund information for accumulating the reserve fund according to the priority transaction code, calculates sales profit and affiliated store costs, and then adds them up to accumulate in the shopping annuity payment reserve fund.

[0076] The first storage module 314 stores shopping pension information including the shopping pension payment period, the total amount of shopping pension, and pension start reserve, purchase information with registered transaction codes, and purchase reserve fund information, and may use a hard disk drive (HDD) or a solid state disk (SSD), etc. If necessary, the shopping pension information may further include an agreed-upon accumulation rate for the payment amount.

[0077] The total shopping fee is preferably 50% to 100% of the payment amount excluding value-added tax, but is not limited to this.

[0078] For example, if the total amount of shopping pension is 100% of the payment amount excluding VAT and the payment amount is 110,000 won, the purchaser of a product eligible for shopping pension will receive a total of 100,000 won in shopping pension payments in several installments.

[0079] In addition, the first storage module 314 can store information of a new member who has registered a personal identification code assigned to the purchaser information as a recommender.

[0080] The shopping pension payment module 315 pays the shopping pension in installments to the purchaser to whom the transaction code is assigned when the accumulated purchase fund for the transaction code reaches the pension start reserve calculated when the transaction code is generated.

[0081] Here, the annuity start reserve for a transaction code is set to 150,000 won if the shopping annuity for the transaction code is 100,000 won, the shopping bonus is 50,000 won, and the sales annuity and sales bonus are 0 won.The annuity start reserve for a transaction code is set to 400,000 won if the shopping annuity for the transaction code is 100,000 won, the shopping bonus is 50,000 won, the sales annuity is 200,000 won, and the sales bonus is 50,000 won.

[0082] In addition, the shopping pension payment module 315 analyzes the purchase fund information for each transaction code stored in the first storage module, and when the accumulated purchase fund for a transaction code reaches the pension start fund, pays the total amount of the shopping pension in installments to the recipient set in the purchase information registered in the transaction code over the shopping pension payment period. The shopping pension payment period is preferably, but not limited to, 12 to 36 months.

[0083] 4 and 5 are schematic diagrams showing the code-off of settlement codes in which pension initiation reserves are accumulated by rearranging the binary tree structure.

[0084] TIFF2026501997000003.tif42167

[0085] In addition, when the contributions for a higher-ranking transaction code in the binary tree structure have not reached the annuity start reserve and the contributions for a lower-ranking transaction code have reached the annuity start reserve, the shopping annuity payment module 315 removes the lower-ranking transaction code from the binary tree structure (code off) and rearranges the positioning of the remaining transaction codes, as shown in Figure 5.

[0086] For example, in Figure 5, if the settlement amount for the first rank is 1 million won, the settlement amount for the second rank is 30,000 won, and the total shopping annuity amount and total shopping bonus amount for the first and second ranks are 100%, the pension start reserve for the first rank is set to 2 million won, and the pension start reserve for the second rank is set to 60,000 won.

[0087] In addition, if the agreed accumulation rate is 2%, the accumulation fund of 20,000 won (1 million won * 0.02) generated by the transaction code of rank 4, the accumulation fund of 600 won (30,000 won * 0.02) generated by the transaction code of rank 5, the accumulation fund of 2,000 won (100,000 won * 0.02) generated by the transaction code of rank 8, the accumulation fund of 2,000 won (100,000 won * 0.02) generated by the transaction code of rank 9, the accumulation fund of 20,000 won (1 million won * 0.02) generated by the transaction code of rank 10, and the accumulation fund of 20,000 won (1 million won * 0.02) generated by the transaction code of rank 11 will be accumulated in the transaction code of rank 2, and the pension start reserve fund of rank 2 will be satisfied in two levels of the binary tree structure (rank 4, rank 5, rank 8, rank 9, rank 10, rank 11). On the other hand, the accumulated funds in the first-order transaction code do not reach the pension start reserve of 2 million won even if they are accumulated up to the third level (second to 15th levels) of the binary tree structure, so the accumulated funds in the second-order transaction code reach the pension start reserve first, resulting in the second-order transaction code being coded off before the first-order transaction code.

[0088] As the settlement amount for each transaction code may differ, if a transaction code is late in the order but has a small settlement amount, it may be de-registered before the earlier-ordered transaction code, as shown in Figure 5.

[0089] The shopping bonus payment module 316 analyzes the number of members who have joined through recommendation by purchasers of shopping bonus eligible products, and pays shopping bonuses every week until the contracted amount (total shopping bonus amount) is reached, in addition to the shopping bonus.

[0090] For example, the shopping bonus payment module 316 pays the shopping bonus accumulated according to the transaction code linked in a binary tree structure every week from two weeks after the transaction of the shopping bonus item is completed.

[0091] In this way, the shopping bonus payment module 316 pays the accumulated shopping bonus every week to the purchaser of the shopping annuity item, so the amount of the shopping bonus can be changed every week.

[0092] In addition, when a shopping bonus eligible product is purchased, the shopping bonus payment module 316 analyzes the purchaser information and the new member information to detect recommenders who the purchaser of the shopping bonus eligible product has recommended and joined during a predetermined period of time, and calculates the shopping bonus at a payment rate agreed upon for the payment amount according to the number of recommenders. At this time, the shopping bonus payment module 316 calculates the shopping bonus based on the payment amount minus value added tax. In addition, the predetermined period may be set to, but is not limited to, 6 to 12 months.

[0093] For example, the shopping bonus payment module 316 may calculate the bonus as shown in Table 1 below, assuming a period of 6 to 12 months for recruiting pre-transaction recommended members.

[0094] [Table 1]

[0095] In this way, the shopping bonus payment module 316 can calculate a shopping bonus of 0% to 200% by applying one of the three levels, 1, 2, or 3, depending on the administrator's settings. At this time, the levels 1 to 3 can be determined depending on the number of users of the shopping bonus service and the profits from operating the service.

[0096] If necessary, the shopping bonus payment module 316 can pay the entire shopping bonus to the recipient of the purchase information in cash, or can pay a portion of the shopping bonus to the recipient in cash and the remainder in shopping points that can be used to purchase items eligible for the shopping bonus. For example, the shopping bonus payment module 316 can pay up to 100% of the shopping bonus in cash, and the portion exceeding 100% in shopping points.

[0097] In this way, the shopping bonus payment module 316 can pay part of the shopping bonus in cash to the financial account and the remainder in shopping points to the online shopping mall account via the online shopping mall server 200 .

[0098] The sales pension management unit 320 constituting the pension management server 300 according to the present invention provides sales pension services and includes a sales information collection module 321, a sales code registration module 322, a sales reserve calculation module 323, a second storage module 324, and a sales pension payment module 325, and may optionally further include a sales bonus payment module 326.

[0099] The sales information collection module 321 collects sales information when a sales item is sold, and detects sales information provided by the online shopping mall server 200 or the offline affiliated store server. At this time, the sales information includes seller information and payment amount.

[0100] For example, the sales information collection module 321 may be connected to the online shopping mall server 200 through a communication unit, where the sales item is purchased, and collect sales information from the online shopping mall server 200 .

[0101] In addition, the sales information collection module 321 can be connected to a payment terminal of an offline affiliated store where the sales discount product is sold through a communication unit and collect sales information from the payment terminal.

[0102] If necessary, sales information provided by the online shopping mall server 200 or the offline affiliated store server is stored in the second storage module 324, the sales information collection module 321 detects the sales information from the second storage module 324.

[0103] The sales code registration module 322 registers a transaction code that can confirm the order of sales for each piece of sales information, and stores the sales information with the registered transaction code in the second storage module 324.

[0104] The sales reward calculation module 323 calculates reward points for each transaction code at the agreed reward rate for each settlement amount of the transaction code registered in the sales information, and generates sales reward point information for each transaction code, and can use a binary tree structure.

[0105] The sales reward calculation module 323 is configured to arrange each transaction code in a binary tree structure according to the order of sales, calculate reward points at the agreed reward rate for each transaction code settlement amount, and generate sales reward point information that accumulates the reward points for each transaction code linked in the tree.

[0106] In addition, the sales reserve calculation module 323 calculates the sales reserve amount based on the amount of payment minus VAT. For example, if the payment amount is 110,000 won and the agreed-upon reward rate is 20%, the sales reserve calculation module 323 generates sales reserve information that rewards 2,000 won to the priority transaction code as a sales reserve.

[0107] In addition, the sales reserve calculation module 323 according to the present invention calculates the agreed sales annuity service fee for each settlement amount of the transaction code registered in the sales information, and adds the sales annuity service fee to the sales annuity payment reserve stored in the second storage module 324. At this time, the sales annuity service fee may be set to, but is not limited to, 5% to 30% of the settlement amount. In addition, the sales reserve calculation module 323 calculates the sales annuity service fee from the amount obtained by deducting value added tax from the settlement amount.

[0108] In this way, when a product subject to sales annuity is sold, the sales reserve calculation module 323 calculates the reserve, generates sales reserve information to accumulate the reserve for each priority transaction code, calculates the sales annuity service fee, and then adds up the sales annuity service fee so that it is accumulated in the sales annuity payment reserve.

[0109] As a result, offline franchisees who sign up for the sales annuity service pay 20% of the payment amount as a fee for receiving the sales annuity service, and receive 50% to 100% of the total payment amount as a sales annuity.

[0110] The second storage module 324 stores sales annuity information including the sales annuity payment period, the total sales annuity amount, and the annuity start reserve, sales information with registered transaction codes, and sales reserve fund information, and may use an HDD, SSD, etc.

[0111] If desired, the second storage module 324 may be configured with the first storage module 314 as a single storage device.

[0112] The second storage module 324 may also store the margin rate of the product to be sold.

[0113] Furthermore, the total sales annuity amount is preferably 0% to 100% of the settlement amount excluding value-added tax, but is not limited to this.

[0114] The sales annuity payment module 325 pays sales annuities to the target of the transaction code for a certain period of time when the pre-specified conditions for the priority transaction code are met, and the certain period is preferably 36 to 60 months, but is not limited thereto.

[0115] The sales annuity payment module 325 analyzes the sales reserve fund information for each transaction code stored in the second storage module 324, and when the accumulated sales reserve fund of the transaction code reaches the annuity start reserve, it pays the total amount of the sales annuity to the recipient set in the sales information registered in the transaction code in installments over the sales annuity payment period.

[0116] When the sales reserve accumulated in the transaction code reaches the annuity start reserve, the sales reserve accumulation is completed and the sales annuity can be paid from the month following the month in which the sales reserve accumulation is completed.

[0117] The sales annuity payment module 325, like the shopping annuity payment module 315, removes the topmost transaction code in the binary tree structure (code off) when the accumulation fund accumulated in the topmost transaction code reaches the annuity start reserve, and rearranges the positioning of the subsequent transaction codes. At this time, rearrangement of the positioning can be performed weekly.

[0118] The sales bonus payment module 326 analyzes the contribution rate of the financial resources of the shopping bonus service and pays the sales bonus paid in installments every week until it reaches the agreed amount (total sales bonus). For example, the sales bonus payment module 326 pays the sales bonus accumulated according to the sequential transaction code linked in a binary tree structure every week starting two weeks after the transaction of the sales bonus target product is completed.

[0119] In this way, the sales bonus payment module 326 pays the accumulated sales bonus every week to the seller of the sales annuity item, so the amount of the sales bonus can be changed every week.

[0120] In addition, when a product subject to a sales bonus is sold, the sales bonus payment module 326 detects the margin rate of the product subject to a sales bonus sold through the second storage module 324 and calculates a sales bonus at a payment rate agreed upon for the settlement amount according to the margin rate. At this time, the sales bonus payment module 326 calculates the sales bonus from the amount of the settlement amount minus value added tax.

[0121] For example, the sales bonus payment module 326 applies a 10% sales bonus payment rate to calculate the total sales bonus amount if the margin rate for sales is 30% or more and less than 35%, applies a 20% sales bonus payment rate to calculate the total sales bonus amount if the margin rate is 35% or more and less than 40%, applies a 35% sales bonus payment rate to calculate the total sales bonus amount if the margin rate is 40% or more and less than 50%, applies a 50% sales bonus payment rate to calculate the total sales bonus amount if the margin rate is 50% or more and less than 60%, applies a 65% sales bonus payment rate to calculate the total sales bonus amount if the margin rate is 60% or more and less than 80%, and applies an 80% sales bonus payment rate to calculate the total sales bonus amount if the margin rate is 80% or more.

[0122] In this way, the total sales bonus amount is preferably 0% to 100% of the settlement amount excluding value-added tax, but is not limited to this.

[0123] Meanwhile, the sales annuity management unit 320 may further include a sales payment module, which provides a function of transferring the payment amount of the sales annuity item from an offline affiliated store to a designated financial account after deducting a preset sales annuity service fee, to the offline affiliated store owner's preset financial account.

[0124] For example, when a payment of 110,000 won for a product subject to sales annuity is transferred, the sales payment module will transfer 90,000 won, minus 20,000 won (20%) as a sales annuity service fee, to the financial account preset by the offline franchise owner.

[0125] In this case, offline franchisees will pay 20,000 won upfront as a sales pension service fee, and will later receive a total of 100,000 won in sales pension payments in several installments.

[0126] Referring to FIGS. 1 and 2, the shopping bonus payment system according to the present invention includes an offline affiliated store terminal 400.

[0127] The offline affiliated store terminal 400 is connected to the pension management server 300 via a communication network and is installed in an offline affiliated store that receives shopping pension services or sales pension services.

[0128] Such offline affiliated stores sell shopping annuity items, and when a shopping annuity item is purchased by a customer on-site, they generate buyer information by inputting ID information provided by the buyer into the offline affiliated store terminal 400, and transmit purchase information including the buyer information and the payment amount to the annuity management server 300 via a communication network. At this time, the purchase information may include the name of the shopping annuity item, the payment amount, the payment time, the margin rate, the cost, the selling price, etc.

[0129] In addition, offline affiliated stores sell annuity items, and when the annuity items are sold to customers on-site, the offline affiliated store terminal 400 transmits sales information including seller information and payment amount to the annuity management server 300 via a communication network. At this time, the sales information may include the name of the annuity item sold, payment amount, payment time, etc.

[0130] The offline affiliated store terminal 400 may be a PDA, an IMT-2000, a smart phone, a notebook computer, a tablet PC, a communication terminal, or the like.

[0131] 6 is a flowchart illustrating a shopping pension payment method according to the present invention. Meanwhile, a shopping pension payment method using the shopping pension payment system including the above-mentioned components will be described with reference to FIG.

[0132] Referring to FIG. 6, the shopping pension payment method of the present invention includes a setting step (S100) of setting shopping pension information so as to provide a shopping pension to a purchaser of a shopping pension eligible product, a purchase information collection step (S200) of collecting purchase information including purchaser information of the shopping pension eligible product and payment amount from an online shopping mall server 200 or an offline affiliated store terminal 400, a code registration step (S300) of registering a transaction code so as to check the purchase order for each purchase information, a reward point calculation step (S400) of calculating reward points at an agreed reward point rate for each payment amount for each purchase information, and a reward point payment step (S500) of paying the total amount of shopping pension in installments to purchasers of purchases for which the shopping pension start conditions are met.

[0133] In the setting step (S100) of configuring the shopping pension payment method according to the present invention, in order to provide the shopping pension service, shopping pension information including the shopping pension payment period, the total amount of the shopping pension, and the pension start reserve is stored in the first storage module 314. If necessary, the shopping pension information may also include the accumulation rate of the purchase reserve fund relative to the payment amount.

[0134] In other words, in the setting step (S100), the operator of the pension management server 300 inputs shopping pension information including the accumulation rate of purchasing accumulation funds relative to the settlement amount, the shopping pension payment period, the total amount of shopping pension, and the pension start reserve through the input device of the pension management server 300, and then stores it in the first storage module 314 of the shopping pension management unit 310.

[0135] In addition, in the setting step (S100), in order to provide a sales annuity service, sales annuity information including the sales annuity payment period, the total sales annuity amount, and the annuity start reserve can be stored in the second storage module 324. If necessary, the sales annuity information may include the sales reserve accumulation rate relative to the settlement amount.

[0136] In other words, in the setting stage (S100), the operator of the pension management server 300 uses the input device of the pension management server 300 to input sales pension information including the sales pension contribution rate for the settlement amount, the sales pension payment period, the total sales pension amount, and the pension start reserve, and then stores it in the second storage module 324 of the sales pension management unit 320.

[0137] In this setting step (S100), the margin rate of the product to be sold can be stored in the second storage module 324.

[0138] In the purchase information collection step (S200) of the shopping pension payment method according to the present invention, the purchase information collection module 311 of the shopping pension management unit 310 collects purchase information including purchaser information and payment amount of the shopping pension eligible item from the online shopping mall server 200 or the offline affiliated store terminal 400 so as to provide the shopping pension service.

[0139] If necessary, in the sales information collection step (S200), the sales information collection module 321 of the sales payment management unit 320 collects sales information including seller information and payment amount of the sales payment item from the online shopping mall server 200 or the offline affiliated store terminal 400 so as to provide sales payment services.

[0140] In the code registration step (S300) of the shopping pension payment method according to the present invention, in order to provide a shopping pension service, the purchase code registration module 312 of the shopping pension management unit 310 registers a transaction code that can confirm the purchase order for each purchase information and stores it in the first storage unit.

[0141] If necessary, in the code registration step (S300), the sales code registration module 322 of the sales pension management unit 320 registers a transaction code that can check the sales order for each sales information so that sales pension services can be provided, and stores the transaction code in the second storage module 324.

[0142] In the reward point calculation step (S400) of the shopping reward point payment method according to the present invention, the purchase reward point calculation module 313 of the shopping reward point management unit 310 calculates reward points at the agreed reward point rate for each payment amount according to purchase information, and generates purchase reward point information, so that the shopping reward point service can be provided.

[0143] If necessary, in the reserve calculation step (S400), the sales reserve calculation module 323 of the sales pension management unit 320 calculates the reserve at the agreed reserve rate for each settlement amount by sales information and generates sales reserve information so that the sales pension service can be provided.

[0144] In the pension payment step (S500) of the shopping pension payment method according to the present invention, in order to provide a shopping pension service, the shopping pension payment module 315 of the shopping pension management unit 310 analyzes the purchase reserve fund information for each transaction code stored in the first storage module 314, and when the accumulated purchase reserve fund of the transaction code reaches the pension start reserve, it pays the total amount of the shopping pension in installments over the shopping pension payment period to the recipient set in the purchase information registered in the transaction code.

[0145] If necessary, in the annuity payment step (S500), in order to provide sales annuity services, the sales annuity payment module 325 of the sales annuity management unit 320 analyzes the sales reserve fund information for each transaction code stored in the second storage module 324, and when the accumulated sales reserve fund of the transaction code reaches the annuity start reserve, it pays the total amount of sales annuity in installments over the sales annuity payment period to the recipient set in the sales information registered in the transaction code.

[0146] The shopping pension payment method according to the present invention may further include a step of collecting recommender information before the pension payment step.

[0147] In the recommender information collection step, the purchase information collection module 311 collects new member information, whose personal identification code assigned to the purchaser information has been registered as a recommender by the membership information registration module of the shopping bonus management unit 310, from the online shopping mall server 200 or the offline affiliated store terminal 400 so that shopping bonus services (shopping bonus payment) can be provided, and stores the information in the first storage module 314.

[0148] The shopping bonus payment method according to the present invention may further include a shopping bonus calculation step after the bonus payment step.

[0149] In the shopping bonus calculation step, in order to provide a shopping bonus service (shopping bonus payment), when a shopping bonus item is purchased, the shopping bonus payment module 316 of the shopping bonus management unit 310 analyzes the purchaser information and new member information, detects recommenders who the purchaser of the shopping bonus item has recommended and joined during a predetermined period of time, and calculates the shopping bonus at the agreed payment rate for the payment amount according to the number of recommenders.

[0150] The shopping bonus payment method according to the present invention may further include a sales bonus calculation step after the bonus payment step.

[0151] In the sales bonus calculation step, in order to provide a sales bonus service (sales bonus payment), when a sales bonus item is sold, the sales bonus payment module 326 of the sales bonus management unit 320 detects the margin rate of the sales bonus item sold by the second storage module 324, and calculates the sales bonus at the payment rate agreed upon for the settlement amount according to the margin rate.

[0152] In this setting step (S100), purchase and sale information collection step (S200), code registration step (S300), reserve calculation step (S400), pension payment step (S500), recommender information collection step, shopping bonus calculation step, and sales bonus calculation step, the detailed configuration included in the shopping pension payment system described above (purchase information collection module, purchase code registration module, purchase reserve calculation module, first storage module, shopping pension payment module, shopping bonus payment module, sales information collection module, sales code registration module, sales reserve calculation module, second storage module, sales pension payment module, and sales bonus payment module) is used, so duplicate content will be omitted.

[0153] Although the present invention has been described above with reference to preferred embodiments, it will be understood by those skilled in the art that various modifications and variations can be made to the present invention without departing from the spirit and scope of the present invention as set forth in the appended claims.

Claims

1. A purchase information collection module that collects purchase information including purchaser information and payment amount when a shopping annuity item is purchased; a purchase code registration module that registers a transaction code that can confirm the purchase order for each of the purchase information; a purchasing reward fund calculation module for calculating reward funds for each transaction code according to a reward rate agreed upon for each payment amount of the transaction code, and generating purchasing reward fund information for each transaction code; a first storage module for storing purchase information in which the transaction code is registered, purchase reserve fund information for each transaction code, and shopping pension information including a shopping pension payment period, a total amount of shopping pension, and a pension start reserve; and a shopping pension payment module that analyzes the purchase reserve fund information for each transaction code stored in the first storage module, and pays the total amount of the shopping pension in installments during a shopping pension payment period to a recipient set in the purchase information registered in the transaction code when the accumulated purchase reserve fund of the transaction code reaches the pension start reserve; A shopping pension payment system linked to commercial transactions, including:

2. The purchasing reserve fund calculation module: The system is configured to arrange each transaction code in a binary tree structure according to the purchase order, calculate the reward points at the agreed reward rate for each transaction code settlement amount, and generate purchase reward point information that accumulates the reward points for each transaction code linked in the tree order.

2. The shopping pension payment system linked to commercial transactions according to claim 1.

3. New member information, which has registered the personal identification code assigned to the purchaser information as a recommender, is stored in the first storage module; The shopping bonus payment module further includes, when a shopping bonus item is purchased, analyzing purchaser information and the new member information to detect recommenders who the purchaser of the shopping bonus item has recommended and joined during a previous predetermined period, and calculating a shopping bonus at a payment rate agreed upon for the payment amount according to the number of recommenders.

2. The shopping pension payment system linked to commercial transactions according to claim 1.

4. A sales information collection module for collecting sales information including seller information and payment amount when an annuity product is sold; a sales code registration module for registering a transaction code that can confirm the order of sales for each of the sales information; a sales reserve calculation module for calculating a sales reserve for each transaction code according to a reward rate agreed upon for each settlement amount of the transaction code, and generating sales reserve information for each transaction code; a second storage module for storing sales information in which the transaction code is registered, sales reserve fund information for each transaction code, and sales annuity information including the sales annuity payment period, the total amount of sales annuity, and annuity start reserve; and a sales annuity payment module that analyzes sales reserve information for each transaction code stored in the second storage module, and pays the total amount of sales annuity in installments during a sales annuity payment period to a recipient set in the sales information registered in the transaction code when the accumulated sales reserve of the transaction code reaches the annuity start reserve; further comprising:

2. The shopping pension payment system linked to commercial transactions according to claim 1.

5. The margin rate of the annuity product is stored in a second storage module; and a sales bonus payment module for detecting a margin rate of the sold annuity-eligible product through the second storage module when the annuity-eligible product is sold, and calculating a sales bonus at a payment rate agreed upon for the settlement amount according to the margin rate.

2. The shopping pension payment system linked to commercial transactions according to claim 1.

6. a setting step of storing shopping annuity information including the shopping annuity payment period, the shopping annuity total amount, and the annuity start reserve in a first storage module; A purchase information collection step in which the purchase information collection module collects purchase information including purchaser information and payment amount of the shopping discount item from the online shopping mall server or offline affiliated store terminal; a code registration step in which a purchase code registration module registers a transaction code capable of identifying a purchase order for each of the purchase information items and stores the transaction code in the first storage unit; A purchase reward calculation step in which a purchase reward calculation module calculates rewards for each transaction code at a reward rate agreed upon for each payment amount of the transaction code and generates purchase reward information for each transaction code; and an annuity payment step in which the shopping annuity payment module analyzes the purchase reserve fund information for each transaction code stored in the first storage module, and when the accumulated purchase reserve fund of the transaction code reaches the annuity start reserve fund, pays the total amount of the shopping annuity in installments during a shopping annuity payment period to a recipient set in the purchase information registered in the transaction code; A shopping annuity payment method linked to commercial transactions, including:

7. a recommender information collecting step in which a purchase information collecting module collects new member information, which has been registered as a recommender by a membership information registration module using a personal identification code assigned to the purchaser information before the pension payment step, from an online shopping mall server or an offline affiliated store terminal, and stores the collected information in the first storage module; and a shopping bonus calculation step in which, when a shopping annuity item is purchased after the annuity payment step, a shopping bonus payment module analyzes the purchaser information and the new member information to detect recommenders who the purchaser of the shopping annuity item has recommended and joined during a predetermined period of time, and calculates a shopping bonus at an agreed payment rate for the payment amount according to the number of recommenders; further comprising:

7. The method for paying a shopping pension linked to a commercial transaction according to claim 6.

8. The setting step includes storing sales annuity information including a sales annuity payment period, a sales annuity total amount, and an annuity start reserve in a second storage module; In the step of collecting sales information, a sales information collection module collects sales information including seller information and payment amount of the product to be sold from an online shopping mall server or an offline affiliated store terminal, In the code registration step, a sales code registration module registers a transaction code that can identify a sales order for each of the sales information, and stores the transaction code in the second storage module. In the reward point calculation step, a sales reward point calculation module calculates reward points for each transaction code at a reward point rate agreed upon for each payment amount of the transaction code, and generates sales reward point information for each transaction code; In the annuity payment step, the sales annuity payment module analyzes the sales reserve fund information for each transaction code stored in the second storage module, and when the accumulated sales reserve fund of the transaction code reaches the annuity start reserve fund, the sales annuity total amount is paid in installments to the recipient set in the sales information registered in the transaction code during the sales annuity payment period.

7. The method for paying a shopping pension linked to a commercial transaction according to claim 6.

9. In the setting step, the margin rate of the product to be sold is stored in a second storage module, After the annuity payment step, the sales bonus payment module detects a margin rate of the annuity product sold through the second storage module when the annuity product is sold, and further includes a sales bonus calculation step of calculating a sales bonus at a payment rate agreed upon for the settlement amount according to the margin rate.

7. The method for paying a shopping pension linked to a commercial transaction according to claim 6.

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