KR100651253B1 - System for providing discount service using point and method therefor - Google Patents

Abstract

A system and a method for offering a discount service using points are provided to offer discount benefit by using the points accumulated whether a credit card is used and accumulate again a fixed ratio of the points used when the discount benefit is used. An article purchase approval part(102) checks a discounted price for a purchase article price when a customer buys the article at a member shop with the credit card. A point settlement part(104) offsets the points corresponding to the discounted price from the accumulated points. A point re-accumulator(108) accumulates again the fixed ratio of the offset points. A point accumulator(106) accumulates the fixed ratio of the settlement price excluding the discounted price among the purchase article price. An additional service settlement part(160) of each member shop terminal(150-154) accumulates the fixed ratio of the settlement price excluding the discounted price and the use price of a discount coupon among the purchase article price as the points for other services.

Description

System for providing discount service using points and methods therefor}

1 is a view showing the configuration of an embodiment of a discount service system using points according to the present invention,

2 and 3 are a flow chart showing the flow of an embodiment of a discount service method using points according to the present invention, and

4 is a diagram illustrating a discount service using points according to the present invention from the viewpoint of each subject.

The present invention relates to a discount service using a point and a method thereof, and more particularly, to a system and method for providing a discount of a certain amount when purchasing goods or services using points accumulated by using a credit card.

The conventional carrier's mileage (point) service system provides a certain amount of mileage in advance to a mobile carrier customer, the customer is presented a mileage card to a certain merchant provided to receive a predetermined discount within the mileage limit. However, the mileage service of Dongtong Shrine provides pure discounts and cannot be used as a means of paying for the purchase of the goods, and the purchase price of the goods can only be paid by other payment means such as cash or debit card or credit card.

The carrier's mileage system provides a certain amount of mileage, and then renews to a certain unit, for example, once a year, to cover the mileage. The mileage does not increase or decrease according to the use of the mobile communication amount.

If you pay with a credit card and wish to receive a discount using your carrier's mileage card, you will need to pay separately using your credit card and apply the discount using your mileage card. There is inconvenience to carry.

The technical problem to be achieved by the present invention is to provide a discount service system and a method for providing a discount using the points accumulated when using a credit card, and reestablishing a certain percentage of the points used when providing the discount.

Another technical problem to be achieved by the present invention is a computer recording a program for executing a method on the computer to provide a discount using existing credited points when using a credit card, and reestablishing a certain percentage of the points used when providing the discounted benefit. To provide a recording medium that can be read by.

In order to achieve the above technical problem, an embodiment of a discount service system using points according to the present invention, an article purchase approval unit that grasps a discount amount for the purchase price of the article when the merchant purchases the article using a credit card ; A point payment unit for subtracting points corresponding to the discount amount from existing accumulated points; And a point re-establishment unit for re-establishing a predetermined ratio of points deducted by the point payment unit.

In order to achieve the above technical problem, an embodiment of a discount service method using a point according to the present invention, the step of grasping the discount amount for the purchase price of the product when purchasing the item using a credit card at the merchant; Subtracting points corresponding to the discounted amount from existing accumulated points; And redepositing a predetermined ratio of the subtracted points.

As a result, discounts are provided when using credit cards using existing accumulated points.

Hereinafter, a discount service (hereinafter, referred to as a 'payback service') system using a point according to the present invention and a method thereof will be described in detail with reference to the accompanying drawings.

1 is a diagram showing the configuration of an embodiment of a payback service system according to the present invention.

1, the payback service system 100 according to the present invention is preferably built in a credit card server, but may be configured as a separate system in addition to the credit card server, the payback service system 100 is a communication network It is connected to a plurality of merchant terminals (150, 152, 154) through.

In detail, the payback service system 100 includes an item purchase approval unit 102, a point payment unit 104, a point accumulation unit 106, a point re-establishment unit 108, and a point inquiry unit 110. .

The goods purchase approval unit 102 receives a request to approve purchase of goods through the merchant terminal 150 when the credit card user pays the amount of goods or services at the merchant using a credit card. At this time, the article purchase approval unit 102 determines the amount of the discount amount for the article purchase amount by applying a discount rate to the article purchase amount.

The discount rate for the purchase price of the goods may be uniformly applied to all affiliates, or a different discount rate may be applied to each affiliate store by referring to the database after storing the discount rate for each affiliate in a separate database (not shown).

In addition, the goods purchase approval unit 102 does not receive the information on the total amount of goods purchased from the merchant terminal 150, but by applying the discount rate for each merchant to the discountable amount received after receiving the discountable amount from the merchant by merchant Identify the discount amount. In this case, the goods purchase approval unit 102 transmits the discounted price information to the merchant terminal 150, and the merchant terminal 150 calculates a payment amount after deducting the discount amount from the initial product purchase amount, and then regarding the payment amount. The goods purchase approval unit 102 requests an approval, the goods purchase approval unit 102 processes the request for approval of the payment amount and transmits the result to the merchant terminal 150.

For example, let's consider a case where a credit card user purchases 100,000 won of clothes.

First, a case in which the discount amount is calculated for the total purchase amount, the merchant 150 requests an approval request for the purchase amount of 100,000 won to the item purchase approval unit 102, the article purchase approval unit 102 is 100,000 Applying the merchant discount rate (assuming 20%) to the won to determine that the discount amount is 20,000 won, approve payment for the amount after receiving the discount 80,000 won and transmits the result to the merchant terminal 150.

Next, look at the case of providing a discount for the discount possible amount of the total purchase amount, the merchant terminal 150 is a discountable amount (preset, it is assumed to be a discount amount up to 50,000 maximum) of 100,000 won 50,000 won Send information about the goods purchase approval unit 102. The article purchase approval unit 102 determines that the discounted amount is 10,000 won by applying a merchant discount rate (assuming 20%) to the discounted amount 50,000 won, and transmits the discounted amount to the merchant terminal 150. The merchant terminal 150 calculates that the actual payment is 90,000 won out of the purchase amount of the item by applying a discounted amount of 10,000 won, transmits a payment approval for the 90,000 won to the item purchase approval unit 102, and the item purchase approval unit ( 102 transmits the payment approval result to the merchant terminal 150.

In addition, a user may use a discount coupon at a merchant in addition to a discount when purchasing an item. In this case, the user pays the amount after applying the discount coupon (that is, the payment target amount = product purchase amount-discount amount-discount coupon amount) through a credit card. Specifically, when the user uses the discount coupon, the affiliated store requests a payment approval to the purchase purchase approval unit 102 for the payment amount after using the discount coupon, and the purchase purchase approval unit 102 sends the result of the payment approval to the affiliate store. send.

The point settlement unit 104 subtracts points corresponding to the discount amount determined by the goods purchase approval unit 102 from the points accumulated previously. That is, the present invention provides a discount to the user by using the existing accumulated points.

Specifically, the point payment unit 104 determines whether the existing accumulated points are larger than the points corresponding to the discount amount (generally 1 won per point). The point payment unit 104 may provide a discount by subtracting a point corresponding to a discount amount from an existing accumulated point if the existing accumulated point is larger than a point corresponding to a discounted amount, but otherwise, may provide a discount. There is no information is transmitted to the merchant terminal 150.

If the existing accumulated points are larger than the points corresponding to the discounted amount, not only the discount is provided, but also the existing accumulated points can be implemented even if the small. It looks at the configuration that can provide a discount even if the existing accumulated points are smaller than the points corresponding to the discount amount.

In this case, by introducing a kind of negative point concept, if the existing accumulated points are small, the negative points are generated as much as insufficient points. do. At this time, it is preferable that the negative point is not given indefinitely, but can be used only in a certain limit.

The point accumulating unit 106 accumulates a certain percentage of the actual amount paid (ie, the actual payment amount = the purchase amount of the item minus the discount amount) at the time of purchasing the item as points. The rate of points earned may vary by merchant. For example, if the purchase price of the item is 100,000 won and the discounted amount is 20,000 won, the point accumulation unit 104 corresponds to a certain ratio (for example, 2%) to the actual payment amount of 80,000 (= 100,000-20,000). Earn 160 points to earn. Point earning unit 106 may be omitted in accordance with an embodiment of the present invention.

In addition, merchants pay for additional services in which a certain percentage of the user's final payment (i.e., after applying discount and discount coupon amount) is earned as a point of another mileage service system, for example OK cashback service. The unit 160 may be included. For example, if the purchase amount is 100,000 won, the discount amount is 20,000 won, and there is a discount coupon of 10,000 won, the additional service payment unit 160 of the merchant stores the actual payment amount of 70,000 (= 100,000-20,000-10,000). Earn 140 OK Cashback Points for a certain percentage (assuming 2%).

The point redepositing unit 108 redeposits a certain percentage of points with respect to points deducted in order to receive a discount, that is, points corresponding to the discounted amount. At this time, it is preferable that the predetermined ratio is higher than the ratio applied to the actual payment amount. For example, if the discount amount is 20,000 won and the corresponding points are 20,000 points, the point settlement unit 104 subtracts 20,000 points from the existing accumulated points, and the point redepositing unit 108 schedules out of 20,000 points deducted. Earn 10,000 (20,000 * 50%) points for the percentage (assuming 50%).

Of course, the present invention can be applied even when the existing accumulated points, such as salping bar, is smaller than the points corresponding to the discounted amount. In this case, the point redepositing unit redeposits a certain percentage of the points used as points. For example, when the existing accumulated points are 10,000 points and the points corresponding to the discounted amount are 20,000, the point settlement unit uses the existing accumulated points 10,000 and generates 10,000 negative points. In addition, the point redepositing unit re-accumulates 5,000 points corresponding to a certain ratio (50% home) to 10,000 points used. Therefore, the minus point is ultimately deducted by 5,000 redeposited points and becomes -5,000.

The present invention provides a discount using points, and at the same time re-accumulates a certain percentage of the points used as points, thereby inspiring the user to attract points and use them and ultimately motivate the use of credit cards.

The point inquiry unit 110 transmits information on the current remaining point to the affiliated store terminal 150 at the request of the affiliated store terminal 150. That is, the point inquiry unit 110 performs a function of notifying the user of how many points are left before the user receives the discount according to the present invention when purchasing an item. The user may or may not request a discount on the purchase of the item based on the point remaining information. Of course, it is possible to implement a configuration that can be provided with a discount according to the present invention, even if the score remaining points, such as salpin bar earlier.

2 and 3 are flowcharts illustrating the flow of an embodiment of a payback service method according to the present invention.

2 and 3, when a user requests to receive a discount when purchasing an item (S300), the merchant transmits an item purchase amount and a discount benefit request information to the payback service system according to the present invention through the merchant terminal. . The payback service system determines a discount amount by applying a merchant discount rate to an item purchase amount (S200, S310).

If the existing accumulated points are larger than the points corresponding to the discount amount (S320), the discount is applied (S330), but if the small points do not apply the discount. 3 is configured to apply a discount when the existing accumulated points are larger than the points corresponding to the discounted amount, but it can be implemented even when the existing accumulated points are small as shown in FIG.

When applying the discount, the payback service system subtracts points corresponding to the discounted amount from the purchase amount of goods from existing accumulated points (S210). A predetermined percentage of points corresponding to the discounted amount is redeposited as points (S220).

The user can use other discount coupons at the same time as discounts, and can earn a certain percentage of the actual payment amount excluding the discount amount and discount coupon amount as points of the third party mileage (point) service.

4 is a diagram illustrating a discount service (payback service) using points according to the present invention from the viewpoint of each subject.

Referring to Figure 4, the subject of the payback service according to the present invention is largely composed of a customer (credit card user) 400, the merchant 410 and the card company 420.

The customer 400 is provided with a discount when purchasing an item through the payback service according to the present invention. Specifically, when the customer 400 indicates to the affiliated store that they wish to receive a discount when purchasing an item, the customer 400 is provided with a discount through existing accumulated points.

The affiliated store 410 automatically receives the discount / payment amount by sending a discount request together with the payback service system upon request for approval of purchase of the product according to the discount request of the customer. The approval details are usually displayed in the sales document. For example, the affiliated store terminal receives the result from the payback service system, classifies the inquiry, the approval 95 and the cancellation, and displays the result in the sales slip. The merchant terminal preferably receives information from the payback service system about the available points, earned points, used points and discounted amount as well as the payment amount and displays the information on the sales slip.

The card company 420 receives a request to approve the purchase of goods by the affiliate store and processes point deductions, customer purchase amounts and points according to the discount amount according to the discount.

The invention can also be embodied as computer readable code on a computer readable recording medium. The computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like, and may also be implemented in the form of a carrier wave (for example, transmission over the Internet). Include. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

So far I looked at the center of the preferred embodiment for the present invention. Those skilled in the art will appreciate that the present invention can be implemented in a modified form without departing from the essential features of the present invention. Therefore, the disclosed embodiments should be considered in descriptive sense only and not for purposes of limitation. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the scope will be construed as being included in the present invention.

According to the present invention, by using the accumulated points provided by the credit card using a discount similar to the conventional mobile carrier mileage system, and by re-establishing a certain percentage of the points used at the time of the discount benefits to the credit card user Maximize.

In addition, the conventional mobile carrier mileage service has to pay a discount amount separately from cash or credit card payment, while the present invention can be provided with a discount at the same time when paying credit card.

In addition, the point according to the use of the conventional credit card can be used to purchase goods only when a certain point is more than a certain point, so the motivation for earning points to the user is weak, but the present invention uses a small amount of discounts (that is, when a small payment Discounts) to maximize the user's motivation to earn points.

In addition, since a certain percentage of the points used when the points are used is returned back to the user, there is an effect of receiving a discount more than a discount.

Claims (14)

A merchandise purchase approval unit that grasps a discounted amount on the purchase amount of the product when the merchant purchases the item using a credit card; A point payment unit for subtracting points corresponding to the discount amount from existing accumulated points; And And a point re-establishment unit for re-establishing a predetermined ratio of points deducted by the point payment unit. The method of claim 1, Point earning unit for earning a certain percentage of the payment amount excluding the discount amount of the goods purchase amount as a point; Discount service system using a point further comprising. The method of claim 1, wherein the affiliated store, And an additional service payment unit configured to accumulate a predetermined ratio of the payment amount excluding the use amount of the discounted amount and the predetermined discount coupon as the points of other services among the purchase amount of the goods. According to claim 1, The article purchase approval unit, The discount service system using the point, characterized in that for identifying the discounted amount by applying the discount rate of the affiliated store to the discountable amount received from the affiliated store. According to claim 4, The article purchase approval unit, And transmits the identified discount amount to the affiliated store, receives an actual payment amount after applying the discounted amount from the affiliated store, and performs an item purchase approval process, and transmits the result of the product purchase approval process to the affiliated store. Discount service system using point to say. The method of claim 1, wherein the point payment unit, If the accumulated points are less than the discount amount discount system using points, characterized in that for transmitting discount impossible information to the merchant. The method of claim 1, wherein the point payment unit, If the accumulated points are less than the discount amount, the discount service system using points, which provides a discount by generating a negative point as much as insufficient points. Determining a discount amount for the purchase price of the item when the merchant purchases the item using a credit card; Subtracting points corresponding to the discounted amount from existing accumulated points; And Re-establishing a predetermined ratio of the deducted point; discount service method using a point comprising a. The method of claim 8, Earning a certain percentage of the payment amount excluding the discount amount of the goods purchase amount as a point; Discount service method using the point further comprising. The method of claim 8, Accumulating a certain percentage of the payment amount excluding the use amount of the discount amount and the predetermined discount coupon of the item purchase amount as points of other services; Discount service method using a point further comprising. The method of claim 8, wherein the determining the discount amount, Receiving a discountable amount of an item purchase amount from a merchant; And Identifying a discounted amount by applying a discount rate of the affiliated store to the discountable amount of money; The method of claim 8, wherein the point deduction step is Comparing the existing points and points corresponding to the discounted amount; And And subtracting points corresponding to the discounted amount from the existing accumulated points if the existing accumulated points are larger than the points corresponding to the discounted amount. The method of claim 12, If the existing accumulated points are smaller than the points corresponding to the discounted amount, generating the insufficient points as negative points to provide a discount benefit. The discount service method using the points further comprising a. A computer-readable recording medium having recorded thereon a program for executing the method according to any one of claims 8 to 13.

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