基本信息:
- 专利标题： 포인트를 이용한 골드뱅킹 서비스 시스템 및 방법
- 专利标题（英）：Gold banking service system using a point and method thereof
- 专利标题（中）：黄金银行服务系统使用一个要点和方法
- 申请号：KR1020120079990 申请日：2012-07-23
- 公开(公告)号：KR1020140013315A 公开(公告)日：2014-02-05
- 发明人： 이동규
- 申请人： 주식회사 국민은행
- 申请人地址： 서울특별시 중구 남대문로 ** (을지로*가)
- 专利权人： 주식회사 국민은행
- 当前专利权人： 주식회사 국민은행
- 当前专利权人地址： 서울특별시 중구 남대문로 ** (을지로*가)
- 代理人： 유미특허법인
- 主分类号： G06Q40/02
- IPC分类号： G06Q40/02 ; G06Q30/02 ; G06Q50/10
摘要：
A gold banking service system and a method thereof which are connected through at least one member terminal, at least one member store system and a network are provided. A server guides the member terminal to point gold conversion, the server proceeds member subscription and generates a gold banking account of the corresponding member when receiving gold banking subscription agreement information and member information from the member terminal. The server converts a point of the member to gold according to a gold conversion rate to which an international gold rate is reflected, and reserves to a gold banking account of the member when a point received from the member store system is greater than a reference point. By doing this, the asset of a client can be increased by purchasing gold by subscribing gold banking with a point of the client, and an asset management company can pursue its profit with fee income. [Reference numerals] (111) Guide unit; (112) Member management unit; (113) Banking processing unit; (114) Market price reflection unit; (121) Member DB; (122) Point conversion information DB; (123) Gold market price information DB; (124) Member store DB; (200) Network; (300) Member terminal; (400) Member store system
摘要（中）：
提供通过至少一个成员终端，至少一个成员存储系统和网络连接的金银业务系统及其方法。 服务器指导会员终端点金兑换，服务器收到会员订阅，并从会员终端接收黄金银行订阅协议信息和会员信息时，生成相应会员的黄金银行账户。 服务器根据反映国际黄金利率的黄金兑换率将会员点变为黄金，并且当从会员商店系统接收到的点大于参考点时，保留给会员的黄金银行账户 。 通过这样做，客户的资产可以通过以客户的角度订购黄金银行来购买黄金，资产管理公司可以利用收入来追求利润。 （111）引导单元; （112）会员管理单位; （113）银行处理单位; （114）市场价格反映单位; （121）会员DB; （122）点转换信息DB; （123）黄金市场价格信息DB; （124）会员商店DB; （200）网络; （300）会员终端; （400）会员商店系统