KR-20260067852-A - SERVER AND METHOD FOR PROVIDING SELLER FINANCIAL SUPPORT SERVICES BASED ON GIFT VOUCHER ANDDIGITAL PRODUCT RIGHTS

KR20260067852AKR 20260067852 AKR20260067852 AKR 20260067852AKR-20260067852-A

Abstract

A method for providing a seller financial support service based on a product exchange voucher and a product right certificate according to the present invention comprises: receiving a request for the provision of a financial support service based on a product exchange voucher from a seller terminal; requesting and receiving information on a product right certificate corresponding to the product exchange voucher in response to the request; providing financial resources to the seller terminal based on the information on the product right certificate; and providing settlement information on the financial resources as the use of the product exchange voucher by the user terminal is completed.

Inventors

고승곤
오재섭

Assignees

주식회사 오스리움

Dates

Publication Date: 20260513
Application Date: 20241106

Claims (9)

In the method of providing seller financial support services based on product exchange vouchers and proof of product rights, A step of receiving a request for the provision of a financial support service based on a product exchange voucher from a seller's terminal (hereinafter, seller terminal); A step of requesting and receiving information on a certificate of gift rights corresponding to the product exchange voucher in response to the above request; and A step of providing financial resources to the seller terminal based on the information of the above-mentioned gift certificate of rights; and A method comprising the step of providing settlement information for the financial resource as the use of the user's terminal (hereinafter, user terminal) for the above product exchange voucher is completed. Method of providing seller financial support services.
In paragraph 1, The step of providing financial resources to the seller terminal based on the information of the above-mentioned gift certificate of rights is The above financial resources are used to provide public subsidies supported by a designated institution to the above seller terminal, and The step of providing settlement information for the financial resources as the use of the user terminal for the above product exchange voucher is completed is: The amount corresponding to a predetermined support ratio among the amount of the above product exchange voucher is settled from the above public support funds and provided to the seller's terminal. Method of providing seller financial support services.
In paragraph 1, The step of providing financial resources to the seller terminal based on the information of the above-mentioned gift certificate of rights is A step of generating credit evaluation information of the seller terminal based on the information of the above gift certificate of rights; and A step comprising providing financial resources corresponding to the above credit rating information to the seller terminal, Method of providing seller financial support services.
In paragraph 3, The step of generating credit evaluation information of the seller terminal based on the information of the above-mentioned gift certificate is: Generating the credit evaluation information based on the number of issued and used product exchange vouchers of the seller terminal during a unit period, the number of unused product exchange vouchers, and the amount deposited in the escrow account corresponding to the unused product exchange vouchers. Method of providing seller financial support services.
In paragraph 3, The step of providing settlement information for the financial resources as the use of the user terminal for the above product exchange voucher is completed is: A step of verifying information on changes in the amount of an escrow account resulting from the use of a product exchange voucher of the above-mentioned user terminal; and A step comprising providing settlement information for the financial resources based on the above amount fluctuation information, Method of providing seller financial support services.
In paragraph 3, A step of collecting information on proof of gift rights following the additional issuance of the above-mentioned product exchange voucher in real time or according to a preset period; and A method further comprising the step of automatically updating and providing the financial support service based on the information of the certificate of entitlement collected pursuant to the additional issuance mentioned above. Method of providing seller financial support services.
In paragraph 6, The step of automatically updating and providing the financial support service based on the information of the certificate of gift rights collected pursuant to the above additional issuance is: A step comprising providing additional financial resources to the seller terminal corresponding to the number of product exchange vouchers issued in real-time or during a preset period. Method of providing seller financial support services.
In paragraph 3, A step of verifying whether the settlement of the financial resources provided above has been completed; When the above settlement is completed, a step of collecting information on proof of gift rights following the additional issuance of the above product exchange voucher; and A method further comprising the step of automatically updating and providing the financial support service based on the information of the certificate of entitlement collected pursuant to the additional issuance mentioned above. Method of providing seller financial support services.
Memory storing a program for providing seller financial support services based on product exchange vouchers and proof of product rights, and By executing the program stored in the memory above, a request for the provision of a financial support service based on a product exchange voucher is received from the seller's terminal (hereinafter, seller terminal), and in response to the request, information on a product right certificate corresponding to the product exchange voucher is requested and received. A processor comprising providing financial resources to the seller terminal based on the information of the above-mentioned gift certificate of rights, and providing settlement information for the said financial resources upon completion of use of the said product exchange voucher by the user's terminal (hereinafter, user terminal), Method of providing seller financial support services.

Description

Server and method for providing seller financial support services based on gift vouchers and digital product rights The present invention relates to a server and method for providing seller financial support services based on product exchange vouchers and product entitlement certificates. In our society, the market dominance of large corporations is growing stronger, and consequently, small business owners are facing difficulties such as relative declines in sales. For example, large franchise-based corporations issue gift certificates, coupons, and gifticons (hereinafter referred to as "product exchange vouchers") that allow for the free trading and use of their products or services; these are treated as securities and are actively circulated and traded in the online market. Through this, large corporations can secure additional capital, increase sales, and acquire more loyal users. Conversely, small business owners offer diverse products or services and operate on a scale significantly smaller than large corporations; furthermore, due to various regulations, it is currently impossible for them to issue product exchange vouchers. Moreover, even if issuance were possible, distributing and trading these vouchers is practically impossible due to excessive entry fees charged by online marketplaces. While product exchange vouchers are sometimes purchased and used directly by users, they are also actively distributed and traded through the gifting of vouchers from one user to another. Nevertheless, various problems regarding product exchange vouchers persist, including employee misconduct, forgery, theft, and fraud. Furthermore, many small and medium-sized enterprises (SMEs) do not implement programs that utilize product exchange vouchers due to the inability to verify their reliability. Additionally, obtaining a refund for vouchers is very difficult, and there is a problem in that it is impossible to verify whether the voucher has been used prior to the actual exchange for the product. In addition to the aforementioned issues, many small business owners currently face a practical barrier to obtaining loans due to the difficulty of meeting strict documentation and collateral requirements, despite their need for short-term liquidity. In particular, as the sales of small businesses gradually decline due to the strengthening market dominance of large corporations, they are placed at a disadvantage in credit evaluations, resulting in the inability to secure loans in the majority of cases. In order to resolve these practical problems, measures are needed to facilitate short-term liquidity for small business owners. Figure 1 is a diagram illustrating the process of inducing a seller to sign up for a product exchange voucher gifting service when the seller is not yet subscribed to it. Figure 2 is a diagram illustrating the process of gifting and using a product exchange voucher after the seller has signed up for the product exchange voucher gifting service. FIG. 3 is a block diagram of a product exchange voucher gifting service providing server and a seller financial support service providing server according to one embodiment of the present invention. FIG. 4 is a flowchart illustrating the process of collecting seller information in one embodiment of the present invention. FIG. 5 is a flowchart for explaining the process of signing up for a service when the gift voucher service is not subscribed to in one embodiment of the present invention. FIG. 6 is a flowchart illustrating the process of gifting and using a product exchange voucher when subscribed to a product exchange voucher gifting service in one embodiment of the present invention. FIG. 7 is a flowchart illustrating the process of providing a seller financial support service in the first embodiment of the present invention. FIG. 8 is a flowchart illustrating the process of providing a seller financial support service in the second embodiment of the present invention. The advantages and features of the present invention and the methods for achieving them will become clear by referring to the embodiments described below in detail together with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below but may be implemented in various different forms. These embodiments are provided merely to ensure that the disclosure of the present invention is complete and to fully inform those skilled in the art of the scope of the present invention, and the present invention is defined only by the scope of the claims. The terms used in this specification are for describing embodiments and are not intended to limit the invention. In this specification, the singular form includes the plural form unless specifically stated otherwise in the text. The terms "comprises" and/or "comprising" used in this specification do not exclude the presence or addition of one or more other components in addition to the components mentioned. Throug