Patent Application
20160232602
1. Field of the Invention
The present invention relates to a system and method for trading a virtual card for a rental and lease contract, and more specifically, to a network-based system and method for trading a virtual card to achieve an information effect or a signal effect for information efficiency, in an information asymmetry rental or lease contract.
2. Background of the Related Art
A user may use an object, such as an object, goods, product, service, etc.(herein after, referred to as simply “object”), generally in a method of visiting a store and purchasing the object by paying the seller in cash, or borrowing money for purchasing the object from a financial company and paying the seller for the object, or directly or indirectly leasing the object from a lessor by directly or indirectly selecting the object or with the intervention of a seller in a lease market in which a lessee has an off-balance-sheet financing effect.
A target of lease which is one of methods of using an object by a lessee may be classified as a real estate or a personal object, which are properties in a civil law. A general method of leasing a real estate is directly or indirectly making a lease contract between a lessor, i.e., the owner of the object, and a lessee who desires to use the object taking into account a market price, and a general method of leasing a personal object is introducing a lessor to a lessee by the seller of the object, making a rental or lease contract and paying a brokerage (a commission) to the seller by the lessor, and a different law may be applied according to a corresponding object in some cases.
Generally, three types of groups exist to accomplish a lease contract. Here, it is assumed that all the persons who supply or sell an object including persons who construct and supply an object or provide a service are referred to as a seller (having an ownership or a right to use), persons who purchase (transfer of the ownership or the right to use) and possess the object supplied by the seller to run a lease business are referred to as a lessor (having an ownership or a right to use), and persons leasing a corresponding object from the lessor (transfer only the right to use) and using the object is referred to as a lessee (having a right to use). Meanwhile, even in a case where a seller is also a lessor, the terms of the seller and the lessor will be used separately.
It may be said that a conventional trade is close to a passive trading method for making a lease contract with a lessor according to the brokerage of the seller having plenty of information on sales properties, rather than a method in which a lessee aggressively searches for a lessor or actively negotiating a dealing price or conditions in order to lease a corresponding object, since information on sales properties asymmetrically exist in a lease market.
It is general that an equilibrium price of a transaction is determined according to the law of demand and supply in a general market, which may be regarded as a basis of economics. However, in the case of a lease market, since a lessor who is a supplier seldom has chances to directly meet a lessee who is a consumer and a seller directly contacts with the lessee at a show room in many cases, although the seller who is a supplier sells an object to the lessor who is a consumer, the seller dominates a deal between the seller and the lessor since the seller introduces the lessee, i.e., a consumer of the lessor, to the lessor. Accordingly, it is general that when the lessor makes a lease contract with the lessee, the lessor pays an agency cost requested by the seller in return for the time and cost needed to let the lessor obtain information on the lessee from the seller in an information asymmetry situation.
For this reason, the lessee cannot but make a lease contract in a structure in which it is difficult to confirm whether or not the lease price for an object used by the lessee is properly and reasonably calculated, and, furthermore, an abnormal return is unevenly generated due to an overreaction and a delayed reaction while new information affects a market price. Although it is natural in principle that the lessor calculates a lease price for the lessee, it is general in reality that the seller quotes a lease price instead while interviewing the lessee. Accordingly, it may be said that the seller has information asymmetry over the lessee in calculating a selling price and a lease price.
In calculating a lease price, a monthly rental fee (a lease fee) is calculated by adding an agency cost of the seller to the profit, taxes, utility fees and other expenses of the lessor using a price for supplying an object to the lessor by the seller as a base amount (an acquisition cost), and the monthly rental fee is finally calculated by applying a discount rate of cash flow reflecting the time value of money to the monthly rental fee. Therefore, although the lessee exhibits a bargaining ability so that the seller sells an object to the lessor at a discounted selling price (i.e, the base amount is lowered), since an information asymmetry situation continuously occurs in reality for the sales object due to an unstable state of the lease market, time and cost are required for the lessee to obtain information. That is, since the seller increases the agency cost received from the lessor instead of discounting the price of the sales object in order to make a profit of his or her own, the lease fee paid by the lessee includes even the increased agency cost of the seller, and thus an unfair deal is made from the viewpoint of the lessee.
Therefore, the present invention has been made in view of the above problems, and it is an object of the present invention to provide a virtual card trading (or distributing) market system and a trading (or distributing) method thereof, which is connected to a virtual card purchase reservation receiving and transmitting module and a personal credit information providing agreement receiving and transmitting module, and distributes an automatically created virtual card in association with sales information of a seller and lease information of a lessor by trading the virtual card in a lease market as a means for information effect based on the Internet, in an information asymmetry situation of a sales object and a leasehold object of the seller.
The basic spirit of the present invention for accomplishing the above object is that if a seller repeatedly inputs and stores discounted sales information in a virtual card trading web page, a lessor repeatedly fetches the discounted sales information and processes and stores lease information, and the lease information stored as such is used to automatically create a virtual card, in which the lease information is inserted, using a previously input calculation formula at the virtual card trading web page. After making a lease contract between a lessee and a lessor and before the lessee pays a down payment to the lessor, the seller may repeatedly discount a selling price from the sales information using the virtual card in a virtual card trading system, and the lessee may search again the virtual card, and thus the lessee may have a bargaining power in a lease transaction until the lessee pays the down payment to the lessor.
To this end, through a system for using and trading an Internet-based virtual card which provides a fair and balanced information effect in an unreasonable information asymmetry situation, a receiving and transmitting security certification module using wired or wireless communication is provided to automatically and continuously create the virtual card based on continuously changing sales object information and lease object information and repetitively make a purchase reservation on the virtual card without a monetary expense of a lessee such as an agency cost or the like, and the receiving and transmitting security certification module using wired or wireless communication is provided for agreement on providing personal credit information for credit assessment of the lessee before making a lease contract.
Here, the down payment is an advanced payment of part of a lease contract amount as a security deposit, a prepayment (a prepaid amount), an incidental expense and the like, which is paid by the lessee to the lessor before taking over the leasehold object, and it is directly affected by the credit status of the lessee.
Since a lessee may have increased chances of aggressively and actively comparing and analyzing information on leasehold properties to be used by searching for or re-searching for various kinds of virtual cards in the virtual card trading web page through the trading system, the information asymmetry may be minimized.
Meanwhile, since a lease contract is like lending an object to a lessee on credit from the viewpoint of a lessor, it is essential to make a credit assessment on the lessee, and if the credit assessment can be accomplished through an encrypted security certification performed using a terminal of the lessee through a wired or wireless communication and a module, rather than a face-to-face contact basis credit assessment, the lessor may considerably save time and cost without paying an agency cost.
The virtual card has two types of prices. One is a discounted purchase (sales) price paid by the lessee, and the other is a face amount of the virtual card received by the lessee. For example, if a seller inputs and stores an object in the virtual card trading system as sales information by discounting 10% from the consumer price of 10,000,000 Korean Won (KW), the lessor calculates a lease fee (monthly rental fee) considering his or her internal rate of return, a lease period, a down payment and an additional purchase price based on an original cost of 9,000,000 KW and stores the lease information. At this point, the face amount of the virtual card is determined as 90,000 KW, i.e., 1% of 9,000,000 KW, using a previously input calculation formula, and the trade amount of the virtual card is 9,000 KW obtained by dividing the face amount of 90,000 KW by a discount rate of 10% which is multiplied by 100 beforehand. Since the seller may continue to input (progress) discount of the selling price in the sales information until a lease contract is made between the lessor and the lessee in such a process of calculating a price, the lessee may re-search various types of leasehold properties in a virtual space without any monetary burden in the process of selecting a leaseholder object and receiving a credit assessment by the lessor, and thus the lessee makes a lease contract with the lessor under the condition of a finally reserved virtual card, and a discounted purchase price of the virtual card paid by the lessee and a face amount of the virtual card further larger than the purchase price of the lessee are determined.
Since the amount received by purchasing a virtual card is larger than the amount paid for purchasing the virtual card without paying a special fee by the lessee, reluctance of the lessee to make a purchase reservation on the virtual card is greatly diminished, and since the purchase price of the virtual card can be lowered furthermore while a deal is progressed or a virtual card of a different condition may be purchased owing to the present invention, a lessee may aggressively and actively repeat comparison and analysis of information on leasehold properties to be used and selection of a leasehold object using various types of virtual cards in the virtual card trading system.
From the viewpoint of a seller or a lessor looking and searching for a customer, if a customer is secured in advance and sale of properties is promoted through a virtual card purchase reservation, the seller or the lessor may have a room for reducing the selling price or the lease price furthermore. The reason of obtaining such a result is that a selling price or a lease price should be calculated by adding a business expense since a ratio of marketing target customers reaching to a lease contract is low although expenses for public relations, commissions, and expenses for sales promotion are paid for a large number of marketing target customers, but the selling price or the lease price may be lowered while minimizing the business expense for the previously secured customer who makes a purchase reservation on the virtual card as shown in the present invention, or part of the business expense may be directly used as an incidental sales charge for the customer (lessee).
In addition, since a lease contract is like lending an object by a lessor to a lessee on credit, it is essential to make a credit assessment on the lessee (the character, ability, financial status, security solvency, credit insurance or the like of the customer). If the credit assessment can be accomplished by authentication performed using a terminal of the lessee through a wired or wireless communication and a module, rather than a face-to-face contact basis credit assessment, the lessor may considerably save cost and reduce work flow.
The spirit of the present invention described above is implemented by a system including the constitutional components described below. That is, a virtual card trading system connectible through a network in a lease contract according to a first characteristic of the present invention includes: a means for registering and storing information on a seller, a lessor and a lessee through a seller terminal, a lessor terminal and a lessee terminal; a means for inputting and storing sales object information through the seller terminal; a means for calculating a lease condition and a lease price through the lessor terminal using the sales object information input through the seller terminal as a base data, and storing lease object information including information on the lease condition and the lease price of the lease object; a means for storing the lease object information calculated through the lessor terminal as virtual card information, and automatically creating a virtual card; a means for making a purchase reservation and a deal by the lessee using the virtual card information through the lessee terminal and determining a virtual card price by discounting the virtual card price to be paid to the lessor by the lessee if a lease contract is made; and a means for determining a face amount of the virtual card to be paid to the lessee by the lessor and storing information on the face amount.
In this specification, the seller, the lessor and the lessee used in the system and method of the present invention are used in terms of a seller terminal or an equivalent, a lessor terminal or an equivalent, and a lessee terminal or an equivalent, in addition to a meaning of a person who sells an object, a person who leases out an object and a person who holds a lease.
The system described above may further include a virtual card trade market site for trading the virtual card, and a payment information system configured of a process for paying the determined face amount of the virtual card to the lessee by the lessor if the lessee pays the virtual card purchase price determined by discounting the virtual card price and a down payment to the lessor.
In addition, the virtual card may include following items such as a virtual card number item showing a virtual card number selected among a plurality of randomly created numbers, a virtual card face amount item showing a face amount of a virtual card determined at a predetermined ratio of a purchase price of a lessor or a discounted price of a seller, a virtual card selling price item showing a virtual card selling price transferred to the lessee by the lessor and calculated as a value obtained by dividing the face amount of the virtual card by a discount rate, a virtual card lease object item showing a title of the sales object information, a consumer price item showing a consumer price included in the sales object information, a lease period item showing a lease period included in the lease object information, a down payment item showing a down payment included in the lease object information, a lease price item showing a lease price included in the lease object information, and an additional purchase price item showing an additional purchase price included in the lease object information.
In addition, an item showing a picture (a single picture or pictures taken from the top, down, left and right sides) of a sales object or a lease object and a valid period item may be further included in the virtual card.
Meanwhile, the spirit of the present invention described above is implemented by a method including the constitutional components described below. That is, a virtual card trading method in a lease contract according to a second characteristic of the present invention includes: (A) a procedure of calculating a lease condition and a lease price at the lessor terminal based on the sales object information input through the seller terminal, and storing information on the lease condition and the lease price of the lease object; (B) a procedure of automatically creating a virtual card based on the lease object information calculated at the lessor terminal and storing information on the virtual card; and (C) a procedure of making a purchase reservation and a deal using the virtual card information at the lessee terminal, determining a virtual card price by discounting the virtual card price to be paid to a lessor by a lessee if a lease contract is made, determining a face amount of the virtual card to be paid to the lessee by the lessor, and storing information on the discounted price and the face amount.
Here, the steps (A), (B), and (C) are not arranged in the sequence of time. That is, they are not time-dependent constitutional components. To express the steps, they are expressed as “a procedure of”, instead of “a step of” which is a conventional time-dependent expression method. Since a transaction performing the method expressed as ‘procedures’ is not arranged in the sequence of time, both a case of arbitrarily changing the sequence of the procedures and a case of almost simultaneously performing the procedures are within the scope of the method according to the present invention. However, a transaction meaningful in the sequence of time is expressed as the conventional expression of ‘steps’.
In the procedure (A), a title of a sales object, a consumer price of the sales object, a discounted price of the sales object and a discount rate of the sales object may be input as sales object information, and, in addition, a discount period of the sales object may be additionally input.
In the procedure (B), if the lessor terminal is connected to the virtual card trading system and information on the lessor is transmitted, it is possible to automatically create a virtual card based on the lease object information, calculate a down payment, a lease period, an additional purchase price and a lease fee for a lease object using the sales object information, and store the lease object information.
The procedure (C) includes, a procedure of reading, if information on the lessee is transmitted from the lessee terminal connected to the virtual card trading system, a plurality of virtual cards from a virtual card information storage means, outputting the virtual cards through the lessee terminal, selecting one of the virtual cards by the lessee among the plurality of virtual cards, and making a purchase reservation on the selected virtual card; a procedure of confirming whether or not to determine a virtual card price by the lessee if the purchase reservation is made; a procedure of providing information on the virtual card to the lessee terminal to determine a face amount of the virtual card if a virtual card price is determined through the lessee terminal, and branching to a virtual card reselection determination step if the virtual card price is not determined through the lessee terminal; and a procedure of confirming whether or not the lessee has paid the price of the virtual card, on which the purchase reservation is made, to the lessor if the virtual card price is determined and a lease contract is made between the lessee and lessor, canceling the purchase reservation of the virtual card and terminating the procedure if the virtual card price is not paid, and processing to pay the face amount of the virtual card to the lessee by the lessor and terminating the procedure if the virtual card price and the down payment are paid to the lessor terminal.
Meanwhile, the reselection determination step is a step of determining whether or not the lessee terminal reselects a virtual card. Here, if the lessee terminal does not reselect a virtual card, the purchase reservation of the virtual card is cancelled, and the procedure is terminated, and if the lessee terminal reselects a virtual card, the lessee terminal selects another virtual card, and the purchase reservation on the virtual card is processed again.
In addition, a step of confirming whether or not the lessee has paid the down payment to the lessor, and determining, if the lessee has not paid the down payment to the lessor, whether or not the lessee will reselect a virtual card through the lessee terminal may be further included.
In addition, a step of assessing credit of the lessee may be further included.
Meanwhile, according to a third characteristic of the present invention, there is provided a virtual card configured of the following items. Since each of the items of this virtual card is the same as described above, it will not be described separately.
The spirit of the present invention as described above may be implemented to be stored in a computer-readable recording medium. In addition, since the procedures (A) to (D) in the method of the present invention do not mean steps which are dependent on the sequence of time, it is apparent to those skilled in the art that the sequence of execution may be modified.
Hereinafter, the present invention will be described through a representative embodiment among a large number of embodiments for implementing the spirit of the present invention.
Referring to
The virtual card which is a trading target in a lease contract according to the present invention is introduced in FIG. 2, and this virtual card will be described when an embodiment of a method according to the present is described.
An embodiment of a method according to the present invention accomplished in a system configured as shown in
Referring to
Here, although it is designed to include a seller name or a store name 311, an e-mail address of the seller 312, a cellular phone of the seller 313, and a business registration number or a residence registration number of the seller 314 as detailed information of the input 321 of the seller information as shown in
The procedure 331 of inputting the sales object information of the seller in
Meanwhile, describing the procedure of automatically creating and storing a virtual card by the lessor based on lessor information and lease object information with reference to
As shown in
Referring to
Now, at this point, the virtual card is described returning to
The lessee connects 300 to a virtual card trading web page and inputs 319 lessee information. As shown in
Next, as shown in
Returning to
Referring to
According to the present invention, since the conventional information asymmetry problem is fundamentally solved, rapid and correct information efficiency can be secured using an Internet-based virtual card as a means for signal effect and information effect, and thus new information is rapidly and correctly reflected in a lease market without an overreaction and a delayed reaction to the lease market, and, therefore, the information efficiency is improved, and a fair and balanced price structure and trading structure can be accomplished by sharing information on sales properties and lease properties among users. In addition, since the trading structure is simplified and the manufacturing cost is saved by adopting a trade certification system using a wired or wireless communication technique, a selling price may be lowered by the effect of reducing incidental expenses of the seller, and a lease price may be lowered by reducing an acquisition cost and the incidental expenses of the lessor, and the lessee may lower abnormal trades by paying a lower lease price without wasting time and cost to search for a lease object and make a contract.
Describing additionally, it may be possible in the present invention to avoid an unreasonable trading structure in which a customer (lessee) makes a contract with a lessor at a different price depending on a difference personal situation of the lessee although a seller having plenty of sales information sells the same object in a limited space of a showroom targeting limited customers (lessees), and if the seller saves business expenses such as expenses for public relations, distribution cost and the like, the seller inputs and stores the sale information in a virtual card trading web page at a price discounted as much as the saved cost, and the lessor reads the stored discounted sales information and processes and stores as lease information, and then a virtual card including the lease information is automatically created by a calculation formula previously stored in the virtual card trading system based on the stored lease information. Therefore, the present invention is effective in that since the sales information is open in the virtual card trading system, information symmetry can be secured, and a fair market price can be formed.
While the present invention has been described with reference to the particular illustrative embodiments, it is not to be restricted by the embodiments but only by the appended claims. It is to be appreciated that those skilled in the art can change or modify the embodiments without departing from the scope and spirit of the present invention.
| Number | Date | Country | Kind |
|---|---|---|---|
| 10-2013-0034983 | Apr 2013 | KR | national |
| Filing Document | Filing Date | Country | Kind |
|---|---|---|---|
| PCT/KR2013/009490 | 10/24/2013 | WO | 00 |
