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PH12015500498A1 - System for unsecured funding to credit card member store via purchase of undetermined future credit obligation - Google Patents

System for unsecured funding to credit card member store via purchase of undetermined future credit obligation

Info

Publication number
PH12015500498A1
PH12015500498A1 PH12015500498A PH12015500498A PH12015500498A1 PH 12015500498 A1 PH12015500498 A1 PH 12015500498A1 PH 12015500498 A PH12015500498 A PH 12015500498A PH 12015500498 A PH12015500498 A PH 12015500498A PH 12015500498 A1 PH12015500498 A1 PH 12015500498A1
Authority
PH
Philippines
Prior art keywords
credit card
credit
member store
debt security
obligation
Prior art date
Application number
PH12015500498A
Other versions
PH12015500498B1 (en
Inventor
Scion Gabriel
Original Assignee
Scion Gabriel
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Scion Gabriel filed Critical Scion Gabriel
Publication of PH12015500498A1 publication Critical patent/PH12015500498A1/en
Publication of PH12015500498B1 publication Critical patent/PH12015500498B1/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

This invention provides a system for unsecured funding to a credit card member store so that an undetermined future credit obligation based on the sales results for a fixed period is converted to a debt security, without any effect from fluctuations in the regular sales of the member store. The system uses credit card settlement transaction-based sales data to compute credit card settlement transaction sales results for a fixed period from the credit card settlement transactions of the credit card member store, sets the intended period during which credit obligations expected to be generated in the future at the credit card member store are converted to a debt security, multiplies a debt security conversion ratio by the credit card settlement transaction sales results for the previous year period corresponding to the intended period of conversion to a debt security to set the face value of the purchased debt security of a future credit obligation, sets the current-month redemption value for each credit card company, notifies the information processing server of the credit card company to end the redemption of the purchased debt security when there is a match between the cumulative redemption value and the amount of the face value, and notifies the information processing server of the credit card company to extend the redemption value when there is no match between the cumulative redemption value and the amount of the face value even after the intended period of conversion to a debt security has elapsed.
PH12015500498A 2012-08-10 2015-03-06 System for unsecured funding to credit card member store via purchase of undetermined future credit obligation PH12015500498B1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
JP2012178072 2012-08-10
PCT/JP2013/060875 WO2014024520A1 (en) 2012-08-10 2013-04-10 System for unsecured funding to credit card member store via purchase of undetermined future credit obligation

Publications (2)

Publication Number Publication Date
PH12015500498A1 true PH12015500498A1 (en) 2015-04-27
PH12015500498B1 PH12015500498B1 (en) 2019-09-04

Family

ID=50067767

Family Applications (1)

Application Number Title Priority Date Filing Date
PH12015500498A PH12015500498B1 (en) 2012-08-10 2015-03-06 System for unsecured funding to credit card member store via purchase of undetermined future credit obligation

Country Status (5)

Country Link
JP (1) JP5785272B2 (en)
KR (1) KR102129495B1 (en)
CN (1) CN104718554A (en)
PH (1) PH12015500498B1 (en)
WO (1) WO2014024520A1 (en)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP5785343B1 (en) * 2015-03-06 2015-09-30 ガブリエル サイオンＧａｂｒｉｅｌ Ｓｃｉｏｎ Unsecured funding system to support stores that purchase unconfirmed future sales receivables, cash register with sales confirmation function and ticket vending machine used therefor
JP6362740B1 (en) * 2017-07-12 2018-07-25 株式会社Ｗａｒｒａｎｔｅｅ Settlement management server, program, and settlement method
JP6413110B1 (en) * 2018-02-08 2018-10-31 ガブリエル サイオンＧａｂｒｉｅｌ Ｓｃｉｏｎ Unsecured funding system
JP6650990B1 (en) * 2018-11-29 2020-02-19 Ｂａｓｅ株式会社 Computer system, method, and program for funding a store in e-commerce
JP7349703B2 (en) * 2019-06-18 2023-09-25 ガブリエル サイオン Unsecured funding system
JP6836255B2 (en) * 2019-10-24 2021-02-24 Ｂａｓｅ株式会社 Computer systems, methods, and programs for funding retailers in e-commerce
JP2021114113A (en) * 2020-01-17 2021-08-05 株式会社メルカリ Information processing method, information processing device, program, and information processing terminal
JP7133698B1 (en) 2021-11-19 2022-09-08 ヤフー株式会社 Information processing device, information processing method, and information processing program

Family Cites Families (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20000054166A (en) * 2000-05-24 2000-09-05 박은일 The factoring service method of credit cards and the factoring service system
KR20020026766A (en) * 2000-10-02 2002-04-12 표민수 a system for deciding the purchase price for a bond and driving method thereof
JP2003006541A (en) 2001-06-25 2003-01-10 It Gem:Kk Credit settlement server and method for enabling credit card member shop to recover account receivable in early stage utilizing factoring
JP2003016363A (en) * 2001-06-29 2003-01-17 It Gem:Kk System and method for shortening payment period of credit dealing having been approved
KR20030069489A (en) 2002-02-20 2003-08-27 (주)드림데이타 An Instant-Loan System for Providing a Loan Secured on an Obligation for a Credit-Sale, and a Method thereof
JP2006011502A (en) * 2004-06-22 2006-01-12 Sogo Hosho Service Kk Member's store account receivable rating system
US20070185793A1 (en) * 2006-02-09 2007-08-09 George Christopher R Method and computer network for coordinating a financial, insurance, investment, business service over the Internet
KR100778944B1 (en) * 2007-04-25 2007-11-22 이은복 System and method for financial transaction
CN101377844A (en) * 2007-08-30 2009-03-04 乔美国际网络股份有限公司 Debt compensation system and method
KR100851945B1 (en) * 2007-11-23 2008-08-12 에이엠씨인베스트(주) Financial system and its management method for loan collection using credit card merchants' receivables
KR101089183B1 (en) * 2008-08-22 2011-12-02 최호식 Screening and Loan Service Method of Online Trade Receivables
JP2010055178A (en) * 2008-08-26 2010-03-11 Chuo Joho System:Kk Factoring server device in early reduction system to credit card member store by purchase of credit card credit using factoring
KR20110041929A (en) * 2009-10-16 2011-04-22 (주)현대스위스상호저축은행 Simple financial loan and repayment service method, and apparatus
WO2011139834A2 (en) * 2010-04-28 2011-11-10 Om Telligence, Llc System and method for managing mortgage lifecycles
CN102542447A (en) * 2011-12-19 2012-07-04 姜晓越 Electronic debt payment, customer relationship and bond management system based on NFC (Near Field Communication) and recording method

Also Published As

Publication number Publication date
CN104718554A (en) 2015-06-17
PH12015500498B1 (en) 2019-09-04
KR102129495B1 (en) 2020-07-03
JP5785272B2 (en) 2015-09-24
JPWO2014024520A1 (en) 2016-07-25
KR20150062161A (en) 2015-06-05
WO2014024520A1 (en) 2014-02-13

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