KR100816298B1 - Method for Storing the Group Card - Google Patents

Abstract

The present invention provides an N + 1 client terminal for providing customer information (or card information) of one or more clients among the first to N (N = 1, 2, ... N) clients included in a specific group; And a server for interworking at least one client customer information (or card information) provided by the N + 1th client terminal and customer information (or card information) of the N + 1th client to a predetermined storage medium. It relates to a group card storage method and system comprising a; and a recording medium therefor. Thereby, a card issuing institution (eg, a card company, a financial company, a point management company) has an advantage of acquiring a customer group consisting of at least two or more customers who are highly loyal to the card with little marketing cost. The belonging customer has an advantage of being able to receive incentives for using the card on a condition superior to that of the individual customer based on superior card usage by each group (eg, sum of payment amount using the card).

Card, group, group

Description

How to save group card {Method for Storing the Group Card}

1 is a view showing a group card storage system according to an embodiment of the present invention.

2 is a view showing a group card storage system according to another embodiment of the present invention.

Figure 3 illustrates a method of establishing a group in accordance with a preferred embodiment of the present invention.

4 illustrates a method in which an N + 1th client joins a group according to a preferred embodiment of the present invention.

5 illustrates a method of operating a group card issued to a client according to a preferred embodiment of the present invention.

Figure 6 illustrates a method of calculating and providing incentive value for a group card to a client in accordance with a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: client terminal 110: interface unit

120: storage unit 125: storage medium

135: card usage history calculation unit for each group 140: incentive calculation

145: contribution calculation unit 150: incentive providing unit

According to the present invention, when storing a predetermined group card in a group consisting of at least two members, at least one or more of the client information (or card information) of the client in a predetermined client terminal to be included in a specific card use group. When providing customer information (or card information) for another client to the server, the server processes the customer information (or card information) for the clients to each other and stores them in a predetermined storage medium, and then belongs to the group. To provide a group card storage method and system that provides an incentive program to improve the loyalty of the card to the client and a recording medium for the same.

Cards issued in Korea are mainly issued by dozens of card companies (and / or financial companies), including at least one card brand among Visa and / or Master Card and / or BC. Since there are dozens or dozens of card products issued by each card company, there are currently over 100 card products issued to customers by domestic card companies. As a result, competition and customer disputes are intensifying for each card company, and each card company provides various types of incentive programs to attract loyal customers and improve loyalty to its card products.

However, in the above incentive program, there is little difference in the incentive program among card companies, and due to technical difficulties in extracting the target group of incentives for attracting excellent customers and / or improving loyalty, it is not necessary to provide an incentive program. Incentive programs are also offered to customers indiscriminately, and as a result, excessive debt incentive programs can only increase the size of debt allowances for card companies without attracting and / or improving loyalty as expected. As a result, each card company strictly revises the application criteria of the incentive program, which is causing a dissatisfaction among the customers who are not interested in the incentive program as well as those who are not interested in it.

The present invention is directed to solving the above problems, wherein at least one client interested in a given card product issued by a specific card issuing agency has at least one other client and predetermined customer information (and / or In the case of using a card use group through the card information, and using a predetermined threshold amount per person, the card company is provided with an incentive program that is differentiated from general personal customers and / or other card company customers. A group card storage method and system for transferring to a superior customer or improving loyalty to a card use, and a recording medium therefor.

The present invention provides an N + 1 client terminal for providing customer information (or card information) of one or more clients among the first to N (N = 1, 2, ... N) clients included in a specific group; And a server for interworking at least one client customer information (or card information) provided by the N + 1th client terminal and customer information (or card information) of the N + 1th client to a predetermined storage medium. It characterized by comprising;

According to a preferred embodiment of the present invention, it is preferable that the client terminal further provides customer information to the server, and / or the client terminal further provides card information to the server when the client owns a card. And / or a wired terminal and / or a wireless terminal.

According to a preferred embodiment of the present invention, the server is the customer information (at least one of the first to N (N = 1, 2, ... N) clients included in a specific group from the N + 1 client terminal) Or card information); The at least one client customer information (or card information) provided by the N + 1th client terminal and the customer information (or card information) of the N + 1th client provided by the N + 1th client terminal are interconnected to a predetermined storage medium through the interface unit. And a storage unit for storing. The interface unit may further provide a specific group (or specific group code) selection interface to the N + 1th client terminal. ) The selection interface includes at least one group name (or group code) information, at least one group restriction information, group minimum or maximum usage amount setting information, group participation condition information, and group personality information. It is preferable to include a providing interface. In addition, when the N + 1 client terminal provides card information and / or customer information, the interface unit may receive the information and provide it to the storage unit.

According to a preferred embodiment of the present invention, the server calculates by adding up the card usage history of the first to N + 1 clients included in the specific group when storing the card usage history of the first to N + 1 clients It is preferable that the card use history calculation unit for each group is further provided.

According to a preferred embodiment of the present invention, the server is linked to the storage medium, the card usage history calculation unit for each group to calculate the sum of the card usage history of the first to N + 1 clients included in the specific group; An incentive calculation unit for calculating a predetermined group incentive value corresponding to the calculated group card usage history; And an incentive providing unit for distributing the calculated incentive to the first to N + 1 clients included in the specific group.

According to a preferred embodiment of the present invention, it is preferable that the server further comprises an information providing unit for providing group setting information of the card to the first to N + 1 clients included in the specific group, and / or Providing the first to N + 1 clients included in the specific group information for providing individual member information including at least one of email information, communication means information, and personal information of each card-owning client included in the specific group. It is preferable to further provide a part.

According to a preferred embodiment of the present invention, the server is linked to the storage medium, the card usage history calculation unit for each group to calculate the sum of the card usage history of the first to N + 1 clients included in the specific group; An incentive calculation unit for calculating a predetermined group incentive value corresponding to the calculated group card usage history; A contribution calculator for comparing each card usage history included in the specific group with the total usage history corresponding to the calculated incentive, and calculating a contribution history of each card usage to the total usage history; And an incentive providing unit for distributing the calculated incentive corresponding to the calculated contribution.

According to a preferred embodiment of the present invention, the group card storage system is provided in a financial company server including a card company server or a bank server, and / or a company server that provides points (or mileage), the card is a point (Or mileage) Preferably, the credit card, credit card, debit card, prepaid card, and at least one check card are included.

Another group card storage system according to the present invention stores the customer information (or card information) of one or more clients among the first to N (N = 1, 2, ... N) clients included in a specific group. When providing, confirming the customer information (or card information) of one or more clients among the first to N (N = 1, 2, ... N) clients included in the specific group provided by the N + 1 client. part; And the customer information (or card information) of at least one client among the identified first to N (N = 1, 2, ... N) clients and the customer information (or card information) of the N + 1th client. And a storage unit for linking and storing in a predetermined storage medium, wherein the functional configuration added to the group card storage system includes technical features of the functional configuration according to the above-described preferred embodiment.

The group card storage method according to the present invention includes customer information (or card information) of one or more clients among the first to N (N = 1, 2, ... N) clients included in a specific group from the N + 1 client terminal. Receiving information receiving step; And an information storage step of interworking at least one or more client customer information (or card information) received through the information receiving step and the customer information (or card information) of the N + 1th client to a predetermined storage medium. It characterized by comprising;

According to a preferred embodiment of the present invention, in the information receiving step, it is preferable to further receive customer information and / or pre-owned card information from the N + 1th client terminal.

According to a preferred embodiment of the present invention, the group card storage method includes group name (or group code) information, group participation limit information, group minimum and maximum use amount setting information for each N + 1 client terminal. And providing an information providing step for selecting a specific group (or specific group code) including at least one group participation condition information and at least one group personality information.

According to a preferred embodiment of the present invention, the group card storage method preferably further comprises an information providing step of providing group setting information of the card to the first to N + 1 clients included in the specific group. And / or individual member information including at least one of email information, communication means information, and personal information of each card-owning client included in the specific group, to the first to N + 1 clients included in the specific group. It is preferable that the information providing step further comprises.

According to a preferred embodiment of the present invention, the group card storage method sums up the card usage history of the first to N + 1 clients included in the specific group when storing the card usage history of the first to N + 1 clients. Preferably, the method further comprises the step of calculating the card usage history for each group.

According to a preferred embodiment of the present invention, the group card storage method is linked to the storage medium, the card usage history for each group calculated by summing the card usage history of the first to N + 1 clients included in the specific group Calculating step; An incentive calculation step of calculating a predetermined group incentive value provided corresponding to the group card usage history calculated through the group card usage history calculation step; And an incentive providing step of distributing the incentives calculated through the incentive calculation step to the first to N + 1 clients included in the specific group; and / or the storage medium. A card usage history calculation step for each group that calculates by adding up card usage history of the first to N + 1 clients included in the specific group in association; An incentive calculation step of calculating a predetermined group incentive value provided corresponding to the group card usage history calculated through the group card usage history calculation step; A contribution calculation step of calculating each card usage history contribution to the total usage history by comparing each card usage history included in the specific group with a total usage history corresponding to the incentive calculated through the incentive calculation step; And an incentive distribution step of distributing the calculated incentive corresponding to the contribution calculated through the contribution calculation step.

Another group card storage method according to the present invention is the customer information (or card information) of one or more clients of the first to N (N = 1, 2, ... N) clients that the N + 1 client is included in a specific group When providing, to check the customer information (or card information) of one or more of the first to N (N = 1, 2, ... N) clients included in a specific group provided by the N + 1 client Information confirmation step; And customer information (or card information) of one or more clients among the first to N (N = 1, 2, ... N) clients identified through the information checking step and customer information (or of the N + 1 client). And an information storage step of interworking the card information on a predetermined storage medium. The implementation step added to the group card storage method may be performed according to the above-described preferred method. Including the technical features of the.

The recording medium provided in the group card storage system according to the present invention includes customer information of one or more clients among the first to N (N = 1, 2, ... N) clients included in a specific group from the N + 1 client terminal. (Or card information); And a function of interworking the received at least one client customer information (or card information) and the customer information (or card information) of the N + 1th client to a predetermined storage medium. And the program is recorded on the recording medium as a program which can be executed by a computer for each step of the group card storage method of the present invention described above.

The recording medium provided in another group card storage system according to the present invention includes customer information of one or more clients among the first through N (N = 1, 2, ... N) clients included in a specific group. (Or card information), customer information (or card) of one or more of the first to N (N = 1, 2, ... N) clients included in a specific group provided by the N + 1 client. Information); And the customer information (or card information) of at least one client among the identified first to N (N = 1, 2, ... N) clients and the customer information (or card information) of the N + 1th client. And a program for realizing the function of storing the data in a predetermined storage medium by the associated processing. The program is also a program capable of executing each step of the group card storage method of the present invention described above by a computer. And is recorded on the recording medium.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be easy to understand the functions of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In the present invention, issuing a predetermined group card to the N + 1 client actually issues a predetermined card used as a group card according to the present invention to the N + 1 client, It includes all logically interworking the issued card to the customer information (or card information) of one or more of the first to N (N = 1, 2, ... N) clients included in a specific card using group on the server It is done by

In addition, the preferred embodiment of the present invention described below is described as being provided in the server to the storage medium in order to efficiently describe the technical components constituting the present invention, but the general knowledge in the technical field to which the present invention belongs Those of ordinary skill in the art will readily understand that the storage medium may be provided on a network accessible from the server.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a view showing a group card storage system according to an embodiment of the present invention.

In more detail, Figure 1 relates to a system for issuing and operating a group card having at least one payment means or payment means in a group consisting of at least two members in connection with a predetermined electronic payment or electronic payment system. The card usage history for each group of the group card is characterized in that provided from the electronic payment or electronic payment system. However, the system shown in FIG. 1 is only one means for efficiently explaining the technical idea of the present invention, and those skilled in the art to which the present invention pertains may include, for example, a group included in the present invention. It will be appreciated that the card is equipped with the function of a membership card for providing a predetermined membership service, and the electronic payment or electronic payment system may be replaced with a predetermined membership management system for providing a membership service.

In FIG. 1, the client-owned card associated with the payment system 160 includes a point (or mileage) credit card, a credit card, a debit card, a prepaid card, and a check card. Card) at least one.

Referring to FIG. 1, the group card storage system is provided with N-th providing customer information (or card information) of one or more clients among the first through N (N = 1, 2, ... N) clients included in a specific group. +1 client terminal 100; And at least one client customer information (or card information) provided by the N + 1th client terminal 100 and the customer information (or card information) of the N + 1th client by interworking with each other. The server 105 is stored in the 125; characterized in that the server 105 is a financial company server, including a card company server or a bank server, and / or company servers that provide points (or mileage) It is preferred to be provided.

The client terminal 100 is equipped with a predetermined network interface for connecting to at least one wired or wireless network and / or a communication application for connecting a predetermined communication channel for storing a group card with the server 105 through the network. And a wired terminal including a personal computer (PC) and / or a home appliance (eg, a home client device) including such a technical configuration (eg, a network interface and a communication application), And / or Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Smart Phone, and / or It includes at least one or more portable wireless terminals including vehicle wireless communication devices (e.g., telematics). Characterized in that eojineun.

According to a preferred embodiment of the present invention, the client terminal 100 connects a predetermined communication channel with the server 105 through the network interface and a communication application, and then from the server 105 through the communication channel. Providing customer information (and / or card information) to the server 105 for at least one or more other clients wishing to form a card usage group according to a given interface provided, and / or the card usage group It is preferable to further provide the client 105 (and / or card information) of the client for the formation to the server 105.

Referring to FIG. 1, the server 105 includes at least one client customer information (or card information) provided by the N + 1th client terminal 100 and customer information (or card information) of the N + 1th client. A storage medium 125 for interworking with each other; Interface unit for receiving customer information (or card information) of one or more of the first to N (N = 1, 2, ... N) clients included in a specific group from the N + 1 client terminal 100 110; And at least one client customer information (or card information) provided by the N + 1th client terminal 100 and the customer information (or card information) of the N + 1th client provided through the interface unit 110. And a storage unit 120 for storing the data in a predetermined storage medium 125 in a cooperative process.

According to a preferred embodiment of the present invention, when the server 105 stores the card usage history of the first to N + 1 clients, the server 105 sums up the card usage history of the first to N + 1 clients included in the specific group. It is preferable to further comprise a group card usage history calculation unit 135 to calculate the calculation, and / or the card usage history calculation unit 135 for each group; An incentive calculation unit 140 for calculating a predetermined group incentive value corresponding to the calculated group card usage history; And an incentive providing unit 150 for distributing the calculated incentive to the first to N + 1 clients included in the specific group, and / or the card usage history for each group. A calculator 135; The incentive calculation unit 140; A contribution calculation unit (145) for comparing each card usage history included in the specific group with a total usage history corresponding to the calculated incentive, and calculating each credit history contribution to the total usage history; And the incentive providing unit 150.

According to a preferred embodiment of the present invention, the server 105 is an information providing unit for providing group setting information of the card to the first to N + 1 clients included in the specific group, or included in the specific group. And further comprising an information providing unit for providing the first to N + 1 clients with individual member information including at least one of email information, communication means information, and personal information of each card-owning client included in the specific group. desirable.

When the interface unit 110 accesses the server 105 using the communication application through the network interface in the first client terminal 100, the first client terminal 100 establishes a new card use group. Provide a specific group establishment interface for inputting (or selecting) desired information and transmitting the same to the server 105, or when the N + 1th client terminal 100 accesses the server 105, The N + 1 client terminal 100 provides a group selection interface for selecting one or more clients among the first to N (N = 1, 2, ... N) clients included in a specific group, or The N + 1 client terminal 100 joins the group through customer information (or card information) of one or more clients among the first to N (N = 1, 2, ... N) clients included in a specific group.It characterized in that it provides an interface to join a particular group.

According to a preferred embodiment of the present invention, the group establishment interface includes first to N for storing a group card (eg, joining a card use group) among the client terminals 100 accessing the server 105 (N = 1, 2, ... N) An interface for creating a card use group to which a client belongs, wherein the group creation interface includes group name (and / or group code) information for a newly created group and a limited number of participants per group. It is preferred to include information, an interface for setting at least one group-specific minimum or maximum use amount setting information, group participation condition information, and group personality information.

A card use group established through the group establishment interface may be a group formed for a predetermined purpose (eg, a group formed to receive more incentives from a card company), or a social group (eg, alumni, a fellowship), or Kinship groups (e.g., parent associations), or work groups (e.g., the company the client is in, or department within the company); Or at least one group to which an unspecified majority joins arbitrarily, group name (and / or group code) information included in the group establishment interface, group member restriction information for each group, group participation condition information, Group personality information, etc. preferably reflects the characteristics of each group.

In addition, the group establishment interface preferably includes the lowest or highest value usage amount setting information for each group, wherein the minimum or maximum value usage amount setting information for each group is used by the server 105 of the client belonging to the card use group. It provides a criterion for calculating incentive value for each group based on the card usage history of each group calculated by adding up the details.

According to a preferred embodiment of the present invention, the group selection interface includes the N + 1 client terminal 100 included in a specific group when the N + 1th client terminal 100 accesses the server 105. An interface for selecting one or more clients among the first through N (N = 1, 2, ... N) clients, wherein the interface includes one or more of the first through N (N = 1, 2, ... N) clients. By selecting a client, a specific card use group to which the N + 1th client terminal 100 joins is determined.

In the N + 1 client terminal 100 selects a specific card using group including first to N (N = 1, 2, ... N) clients through the group selection interface, the group selection interface Is an interface for retrieving customer information (or card information) for the first to N (N = 1, 2, ... N) clients from the member information D / B 115 stored in the server 105. Preferably, the N + 1 client may include first to N (N = 1, 2, ... N) clients included in a card use group included in a specific card use group to which the N + 1 client belongs. The customer information (or card information) of one or more clients can be easily selected.

According to a preferred embodiment of the present invention, the group joining interface may include the first through N (N = 1, 2, N) included in a group to which the N + 1th client terminal 100 accesses and joins the server 105. ... N) Upon selecting the customer information (or card information) of one or more clients among the clients, transmitting the customer information (or card information) for the N + 1th client to the server 105 to the server 105. As an interface to be used, when a predetermined card that can be used as a group card has not been previously issued to the N + 1 client for joining the card using group, Preferably, the interface further comprises an interface for performing a procedure of issuing a card.

The storage unit 120 includes first through N (N = 1, 2, included in a specific card use group from the group subscription interface provided by the interface unit 110 to the N + 1th client terminal 100). ... N) When the customer information (or card information) of one or more clients among the clients is provided, the customer information (or card information) of the provided client and the customer information of the N + 1th client terminal 100 ( Alternatively, the card information may be interconnected and stored in a predetermined storage medium 125.

According to a preferred embodiment of the present invention, the storage unit 120 includes first to N included in customer information (or card information) of the N + 1th client and a card use group to which the N + 1th client joins. (N = 1, 2, ... N) In storing the customer information (or card information) of at least one client among the clients in the storage medium 125, the customer information (and / or card information) and And / or reading member information for the client to determine if the client satisfies a condition to belong to the group.

In addition, the storage unit 120 the customer information (and / or card information) of the N + 1 client and the customer information of one or more clients of the first to N (N = 1, 2, ... N) client (Or card information) to be stored in a predetermined storage medium 125 in association with each other, the customer information (and / or from the group information storage area allocated on the storage medium 125 by the specific group establishment interface) Card information) to store and store the customer information (and / or card information) of the N + 1th client in the storage area (e.g., in an element of an array or a linked list). Preferably, when the customer information (and / or card information) storage area does not exist on the storage medium 125, the customer information (and / or card information) of the N + 1th client may be used. 1st to N (N = 1, 2, ... N) included in group Radiant linked to one or more client customer information (or card information) and the relation of; that stores (e.g., a relational database management system (Relationship Database Management System connected to RDBMS)) are preferred.

The storage medium 125 may store a group name and / or a specific group code and predetermined group information for a specific card using group established by the group establishing interface, and the card by the group joining interface. Customer information (and / or card information) for the first to N (N = 1, 2, ... N) clients subscribed to the use group and customer information (and / or card information for the N + 1 client) ), And a predetermined storage area for storing card usage history for the first, ..., N, N + 1 clients belonging to the group is allocated.

According to a preferred embodiment of the present invention, when the card usage history for the client is generated as shown in FIG. 1 (eg, the payment system 160 in the case of FIG. 1) and the server 105 are interlocked, The server 105 receives customer information (and / or card information) and card usage history for the first, ..., N, N + 1 clients from the system, and the card information (or customer information). Identify a group to which the first, ..., N, N + 1 client belongs from the storage medium 125 based on the storage medium 125 and the first, ..., N, N + on the storage medium 125. And a receiving unit 130 for storing the received card usage history in a storage area in which the card usage history for the client is stored, wherein the server 105 generates a card usage history for the client. If provided within The receiving unit 130 may be omitted or replaced with a predetermined card use history updating unit.

The group card usage history calculation unit 135 for each group uses a predetermined card owned by a first, ..., N, N + 1 client belonging to the established card usage group to display a predetermined card usage history. When generated or stored, the card storage group to which the first, ..., N, N + 1 client belongs to is identified from the storage medium 125 based on the customer information (or card information), and the storage medium The card usage history of each of the first, ..., N, N + 1 clients included in the group is summed from 125 to calculate a predetermined card use history for each group, or the server 105 On the basis of a predetermined incentive policy (not shown), the card usage history of the first, ..., N, N + 1 clients included in each group is summed from the storage medium 125 periodically. The card usage history of each group is calculated.

According to a preferred embodiment of the present invention, the card usage history calculation unit 135 for each group to calculate the card usage history for each group by summing the card usage history included in the group, the card usage history included in the group Of the card usage amount (for example, when the card usage history is generated from the payment system 160 as shown in FIG. 1, the card payment amount, or when the card usage history is generated from the membership operation system according to another implementation method. ) Is calculated to calculate the total card use amount used by the clients belonging to the group through the group card.

The incentive calculation unit 140 is a card usage history for each group calculated by the card usage history calculation unit 135 for each group (for example, the total card use amount used by the client belonging to the group through the group card), and The calculated card usage history for each group based on the minimum or maximum usage amount setting information for each group included in the group information of the group, and / or a predetermined incentive value calculation policy (not shown) provided in the server 105. The incentive value for each predetermined group provided correspondingly is calculated.

According to a preferred embodiment of the present invention, the incentive value for each group calculated by the incentive calculation unit 140 is the card usage history of the group is between the minimum value and the maximum amount of money setting information for each group (for example, When the card usage history of each group exceeds the maximum usage amount setting information, the predetermined amount of incentive value is calculated according to the level in which the card usage amount of each group is included after dividing the maximum usage amount setting information) into at least two levels. It is desirable to calculate differentially based on policy (not shown).

For example, when the group card is a card equipped with a predetermined payment method, the minimum usage amount for each group is 50 million won, and the maximum usage amount for each group is 100 million won, for a predetermined period of the group (for example, monthly or yearly). If the amount of the card payment is between 50 and 60 million won, the incentive value of 50,000 won is calculated for the group. If the payment is between 60 and 70 million won, the incentive value of 100,000 won is calculated for the group. The incentive value of 10,000 won is calculated, and the incentive value of 200,000 won is calculated for the group of 80 million won to 90 million won, and the incentive value of 250,000 won is calculated for the group of 90 million won to 100 million won, and 300,000 won of more than 100 million won. It is desirable to estimate incentive value.

The incentive providing unit 150 distributes the incentive value calculated for each group by the incentive calculation unit 140 to the first, ..., N, N + 1 clients included in the group, and provides the incentive value. The method of distributing the incentive value to the first, ..., N, N + 1 clients by the incentive provider 150 may include a feature of an incentive program corresponding to the incentive value, and / or the client. It is determined by the characteristics of the possessed card.

According to a preferred method of the present invention, the incentive value includes at least one prize (for example, tangible goods, gift certificates, travel tickets, etc.), reserves, prepaid card charges, mileage points, discount coupons, etc. according to the incentive program Preferably, the client-owned card is largely divided into a magnetic stripe (MS) card and an integrated circuit (IC) card (or IC chip) according to characteristics.

For example, if the incentive is a mileage point and the first, ..., N, N + 1 client-owned card is an MS card, the incentive provider 150 may calculate the calculated incentive value (= mileage point). If the incentive is a mileage point and the client-owned card is an IC card, the incentive is preferably provided to a predetermined point management server 105 (not shown) provided on the payment system 160 using a card. The providing unit 150 generates the calculated incentive value (= mileage point) in the form of a predetermined card applet (or card data) and provides the memory to the IC card through the client terminal 100. Do. Further, for example, if the incentive is a prepaid card charge and the first, ..., N, N + 1 client-owned card is an IC chip mounted or detached from a wireless terminal, the incentive providing unit 150 is a mobile communication network. And it is preferable to charge the prepaid card charge to the prepaid card provided in the IC chip through the wireless terminal, in addition to the various incentive providing method may be implemented.

The contribution calculator 145 distributes the incentive value to the first, ..., N, N + 1 clients included in the group, and provides the incentive value to the calculated incentive. Comparing each card usage history included in the specific group with a corresponding total usage history, calculating the contribution amount of each card usage history to the total usage history. Incentive values distributed to N and N + 1 clients can be differentially distributed according to card usage history.

The information providing unit, in issuing or operating a group card in the server 105, predetermined information to be known to the first, ..., N, N + 1 client (for example, the first, ..., N , Group information about the group to which the N + 1 client belongs, or changes when changing the group information, or predetermined information to be provided to the client who opened the group (for example, email information about a client newly joined to the client, communication) And individual member information including at least one means information and personal information).

In FIG. 1, the payment system 160 includes an offline electronic payment (payment) system (e.g., a system including a merchant having a payment terminal device, a value added network (VAN) and a payment server 105) and an online electronic payment system. Payment (payment) systems (e.g. Internet Secure Payment (ISP) systems and / or Visa 3-D Secure systems and / or MasterCard's Secure Payment Application (SPA) systems and / or IC cards) It is preferable to include at least one or more online payment system 160 and / or online payment and / or online account transfer using).

According to a preferred embodiment of the present invention, when the payment system 160 is an offline electronic payment (payment) system, when a predetermined client makes a card payment through the offline electronic payment (payment) system, the payment system 160 It is preferable to provide card information (or customer information) and card usage history for the client to the storage medium from at least one or more components of a merchant payment terminal device and / or VAN and / or payment server on the store, and / or When the payment system 160 is an online electronic payment (payment) system, when a predetermined client makes a card payment through the online electronic payment (payment) system, a client terminal and / or a web server on the payment system 160 and Card information for the client from at least one component of the payment agency and / or payment server (Or customer information) and card usage history are preferably provided to the storage medium.

In FIG. 1, a storage medium for storing the interface unit 110 and the storage unit 120, and the like, in association with a group name and / or a specific group code, predetermined group information, and customer information (and / or card information) ( 125, and the group card usage history calculation unit 135, the incentive calculation unit 140, the incentive providing unit 150, the contribution calculation unit 145, and the information providing unit in one server 105. Although illustrated as having been provided, those skilled in the art to which the present invention pertains may include the interface unit 110 and the storage unit 120, the card usage history calculation unit 135 for each group, and an incentive calculation unit ( 140, the incentive providing unit 150, the contribution calculating unit 145 may be provided in a separate server, or the storage medium 125 may be provided on a network accessible from the server 105. .

2 is a view showing a group card storage system according to another embodiment of the present invention.

More specifically, FIG. 2 is a system for issuing and operating a group card having at least one payment means or payment means in a group consisting of at least two members in connection with the drawing 1 and a predetermined electronic payment or electronic payment system. When at least one client provides predetermined group establishment / subscription information to the server 105 administrator, the server 105 administrator inputs the group establishment / subscription information to the server 105. It is about.

The server 105 shown in FIG. 2 is an interface unit that provides a group establishment interface and / or a group subscription interface to at least one or more client terminals 100 through a network as compared to the server 105 shown in FIG. 110 is replaced by an information input unit 200 for inputting predetermined group establishment / subscription information on behalf of the client terminal 100 by the administrator, and the functions of the other server 105 components are described above. Same as FIG.

Figure 3 illustrates a method of establishing a group in accordance with a preferred embodiment of the present invention.

In more detail, FIG. 3 illustrates a preferred case in which a predetermined client terminal 100 establishes a predetermined card use group for storing a group card by accessing the server 105 in the system as shown in FIG. As such, the client terminal 100 that establishes a predetermined card use group in the server 105 is referred to as a first client terminal 100 for convenience.

Referring to FIG. 3, the first client terminal 100 connects to the server 105 through a predetermined network (eg, executes a web browser and inputs a server 105 address in an address bar to connect to a communication channel) ( 300, the server 105 requests a predetermined member authentication procedure (eg, login through an ID / PW, or member authentication through a public certificate) to the first client terminal 100, whereby Authentication, Integrity, and Nonrepudiation are secured for the process of the first client terminal 100 establishing a predetermined card use group through the server 105.

If the member authentication for the first client terminal 100 fails (310), the server 105 performs a predetermined member registration procedure in connection with the first client terminal 100 (315), The first client terminal 100 requests again to perform a predetermined member authentication procedure (305).

According to a preferred embodiment of the present invention, it is preferable that the member information D / B 115 provided in the server 105 is included in the customer information (or card information) for the first client in the membership registration procedure. Thereby, the second, ..., N, N + 1 client terminal 100 subscribing to the card use group established by the first client terminal 100 is the customer information of the first client terminal 100. (Or card information) to join the card use group.

On the other hand, if the member authentication of the first client terminal 100 succeeds (310), the server 105 establishes a card use group or joins an already established card use group with the first client terminal 100. It is preferable to output a predetermined interface screen for selecting a job to be selected. In FIG. 3, the first client terminal 100 requests the server 105 to open a new group for storing the group card ( 320).

When a new group establishment request is requested from the first client terminal 100 as described above (320), the server 105 provides at least one or more group information required for group card storage to the first client terminal 100. A group establishment interface having a function of inputting and transmitting to the server 105 is transmitted to the first client terminal 100 and output (325), and the first client terminal 100 is provided through the group establishment interface. At least one group name (and / or group code) information for the newly established group, information on the number of participants per group, minimum or maximum usage amount setting information for each group, group participation condition information, and group personality information Input (or select) the group information to be included (330), and transmits the group information to the server 105 via a predetermined network (335).

When the predetermined group information for establishing a new group is received from the first client terminal 100 as described above (335), the server 105 reads the group information and the received group on the storage medium 125. A new group corresponding to the information is established (340).

According to a preferred embodiment of the present invention, the server 105 establishes a new group corresponding to the received group information on the storage medium 125 by the storage medium 125 (eg, group setting information). Assign (or set) a group name (and / or group code) included in the group information in a storage area in which a group name (and / or group code) on a database is stored, and the storage medium 125 Substituting (or setting) each group setting information into a storage area for setting a limit on the number of participants per group, information on setting a minimum or maximum value for each group, information on setting a group participation condition, and group personality information, the group And allocating a storage area in which customer information (and / or card information) and card usage history for at least one or more first, second, ..., N, N + 1 clients to subscribe to are stored. Is recommended.

When a new group is established as described above, the server 105 transmits a predetermined group join interface for joining the first client to the established group to the first client terminal 100 (currently a new group is established). In step 345, the first client establishing the group is automatically set to a new group currently established), and the first client terminal 100 transmits the group to the first client through the group joining interface. Input (or select) the customer information (or card information) of (350).

When the customer information (or card information) of the first client is input (or selected) through the group subscription interface as described above (350), the first client terminal 100 receives the customer information (or Card information) to the server 105 (355), and the server 105 stores the customer information (or card information) in the storage medium 125 in association with the opened group information (e.g., In the newly created group, the storage is stored in the customer information (or card information) storage area corresponding to the first client that has received the trial insertion (360), thereby completing the establishment of a new group for group card storage.

According to a preferred embodiment of the present invention, when the first client terminal 100 opens a specific card use group and joins the card use group, the first client terminal includes information on the first client terminal 100. It may be further included a predetermined flag that can identify that has joined the specific card using group, whereby the second, ..., N, N to join the particular card using group subscribed by the first client The +1 client terminal 100 joins a specific card use group subscribed to by the first client with reference to the flag.

4 illustrates a method in which an N + 1th client joins a group according to a preferred embodiment of the present invention.

In more detail, in FIG. 4, after a predetermined card use group is newly established through the same process as in FIG. 3, a predetermined N + 1 client accesses the server 105 to identify a specific card use group. For the preferred case of joining a group.

Referring to FIG. 4, a predetermined N + 1th client terminal 100 connects to the server 105 through a predetermined network, and the server 105 determines the N + 1th client terminal 100 to the Nth + 1th client terminal 100. After performing the member authentication procedure of the to secure the authentication, integrity, and non-repudiation for joining the established card using group, the N + 1 client terminal 100 is at least established in the server 105 When requesting to join a specific group (eg, storing a group card) among one or more groups (400), the server 105 sends the N + 1 client terminal 100 to the card using group established in the server 105. A group selection interface for selecting a specific subscription target group is provided (405), and the N + 1th client terminal 100 selects a specific group to which the subscriber joins through the group selection interface (410).

According to a preferred embodiment of the present invention, the group selection interface includes a group list including at least one first, second, ..., N client terminal 100 subscribed to the server 105. Preferably, the group list includes group name (and / or group code) information for each group, information on a limited number of participants per group, minimum or maximum use amount setting information for each group, group participation condition information, and group personality. Preferably, group information including at least one piece of information is included, and the N + 1th client terminal 100 selects a group to which the user joins with reference to the group information.

According to a preferred embodiment of the present invention, the group selection interface inputs customer information (or card information) for the first, ..., N clients included in a specific card use group established in the server 105. It is preferable that the N + 1 client terminal 100 includes at least one first, ..., N client for joining a card use group through the interface. It is preferable to enter or select customer information (or card information).

According to a preferred embodiment of the present invention, the group selection interface uses a specific card from the member information D / B 115 provided in the server 105 to facilitate the N + 1th client terminal 100. Preferably, the method further includes an interface for retrieving customer information (or card information) of one or more clients among the first to N (N = 1, 2, ... N) clients included in the group.

As described above, when a specific card use group to which the N + 1th client joins is selected, the N + 1th client terminal 100 includes the first through N (N = 1, 2,... .N) client information (or card information) of one or more clients of the client is sent to the server 105 (415), and the server 105 receives the received first through N (N = 1, 2,. ..N) extracts predetermined group information (e.g., group member restriction information, group participation condition information, group personality information, etc.) corresponding to customer information (or card information) of one or more clients of the client ( In operation 425, the extracted group information is compared with the member information for the N + 1th client to determine whether the N + 1th client can join the group (425).

According to a preferred embodiment of the present invention, the server 105 confirms whether the N + 1 client satisfies the condition for joining the group, when the N + 1th client joins the card using group. Checking whether the group-specific participant limit information included in the group information is exceeded, or checking whether the member information of the N + 1th client satisfies group participation condition information included in the group information. desirable.

In addition, in order for the N + 1th client to join the group, the N + 1th client must possess a predetermined card issued by a specific card company (or financial company) and / or a point management company. It is preferable to check whether the user has a predetermined card issued by a specific card company (or financial company) and / or a point management company for joining the group.

If the N + 1th client does not satisfy the condition to join the group (430), the server 105 transmits and outputs a predetermined error message to the N + 1th client terminal 100 (435). ), The process of selecting and receiving a group name and / or a specific group code for a specific group to which the N + 1th client joins is repeated.

According to a preferred embodiment of the present invention, if the N + 1th client does not possess a predetermined card issued by a specific card company (or financial company) and / or a point management company required to join the group (e.g., , When the N + 1 client needs issuance of a card for joining the group) 440, and the server 105 includes a predetermined card issuing institution including the card company (or financial company) and / or a point management company. In connection, it is preferable to perform a procedure 445 of issuing a predetermined card required to join the group to the N + 1th client.

On the other hand, if the N + 1 client satisfies the condition of joining the group (430), the server 105 sends the N + 1th client customer information (or card information) to the N + 1th client terminal 100. ) And transmits and outputs a predetermined group joining interface for providing to the server 105 (450), and the N + 1th client terminal 100 transmits the N + 1th client through the group joining interface. After inputting (or selecting) customer information (or card information) (455), the N + 1th client-owned customer information (or card information) is transmitted to the server 105 (460).

As described above, when the N + 1th client owned customer information (or card information) is received from the N + 1th client terminal 100 through the group subscription interface (460), the server 105 receives the received customer information ( Alternatively, it is determined whether the card information) can join the group (465).

If the validity of the card information (or customer information is not authenticated (465), the server 105 transmits and outputs a predetermined error message to the N + 1th client terminal 100 (435), and the This is because the result of validity authentication such as N + 1 client does not possess a predetermined card issued by a specific card company (or financial company) and / or a point management company required to join the group (e.g., Nth Is required to issue a card to join a group to the +1 client) (440), the server 105 connects with a predetermined card issuing institution including the card company (or financial company) and / or a point management company. A procedure of issuing a predetermined card required to join the group to the N + 1th client is performed (445).

On the other hand, if the validity of the card information (or customer information is authenticated 470), the server 105 is the first to N received from the N + 1 th client terminal 100 (N = 1, 2, ... .N) the customer information (or card information) of at least one of the clients and the customer information (and / or card information) for the N + 1th client are stored in the storage medium 125 in association with each other (475).

According to a preferred embodiment of the present invention, the customer information (or card information) of one or more clients of the received first through N (N = 1, 2, ... N) clients and the N + 1 client Storing customer information (and / or card information) in the storage medium 125 in association with each other may be performed in a storage area in which the customer information (and / or card information) is to be stored in correspondence with the group on the storage medium 125. It is preferable to add customer information (and / or card information) of the received N + 1th client.

According to a preferred embodiment of the present invention, customer information (or card information) of one or more clients among the first to N (N = 1, 2, ... N) clients and customer information for the N + 1th client. It is preferable to consider that a predetermined group card has been issued to the N + 1th client by being stored in the storage medium 125 in association with each other (and / or card information).

5 illustrates a method of operating a group card issued to a client according to a preferred embodiment of the present invention.

In more detail, in FIG. 5, at least two or more clients join a newly established group through the process as shown in FIG. It is a preferred case of storing and managing the card usage history of the clients belonging to the group to calculate.

Referring to FIG. 5, at least one or more of the first, second, ..., N, N + 1 clients included in a specific group through the same process as in FIGS. 3 to 4 may be offline and / or online. Payment processing is repeatedly performed through at least one provided electronic payment (payment) system, and in the payment system 160, a payment procedure using the client-owned card is being performed (500). In operation 505, the payment system 160 transmits the customer information (or card information) and the card usage history of the client whose card payment has been approved to the server 105 (510). Accordingly, the process of transmitting the customer information (or card information) and the card usage history of the client whose card payment has been approved are repeated to the server 105.

When the customer information (or card information) and the card usage history of the client whose card payment is approved from the payment system 160 are received 510, the server 105 receives the received client on the storage medium 125. It is checked whether there is a group matching the customer information (or card information) of 515.

If there is no group in the storage medium 125 that matches the received customer information (or card information) (520), the server 105 receives the client from the payment system 160. The customer information (or card information) for the card and the history of card use are deleted (525), and the group card service to the client is terminated.

On the other hand, if there is a group matching the received customer information (or card information) on the storage medium 125 as a result of the check (520), the server 105 determines that the client receives from the payment system 160. The card usage history is stored in the storage area in which the card usage history is stored corresponding to the client information (or card information) of the client on the group (530).

According to a preferred embodiment of the present invention, the server 105 receives the customer information (or card information) and the card usage history of the client from the payment system 160 as described above and the customer on the storage medium 125 The storing in the card usage history storage area on the group including the information (or card information) is preferably repeated until the incentive value for each group is calculated (535) and distributed to the clients belonging to the group.

Figure 6 illustrates a method of calculating and providing incentive value for a group card to a client in accordance with a preferred embodiment of the present invention.

In more detail, the present invention is based on the contribution of the clients belonging to the group when the incentive value calculation for each group is performed while storing the card usage history for the client belonging to the specific group through the process as shown in FIG. It is about the distribution of incentive value.

According to a preferred embodiment of the present invention, when the incentive value calculation for each group is performed, the card usage history for the client belonging to the group is stored in the storage medium 125 or in the server 105. Preferably, the server 105 stores the card usage history of the client for a predetermined period of time based on the provided incentive policy or group information included in the group to which the client belongs.

If a group incentive value calculation is performed for the group to which the client belongs (600), the server 105 extracts the card usage history for at least two or more clients included in the group from the storage medium 125 and In operation, the card usage history of each predetermined group is calculated (605), and the validity of the calculated card usage history of each group is determined (610).

According to a preferred embodiment of the present invention, determining the validity of the card usage history of each group, whether the card usage amount of the card usage history of each group satisfies the minimum or maximum usage amount setting information of each group of the group information; It is preferable to include making judgment.

If the validity of the card usage history of each group is not authenticated (615), the server 105 initializes the card usage history for each client stored in the group for a predetermined period (655), the group Ends offering incentives through the card.

On the other hand, if the validity of the card usage history for each group is authenticated (615), the server 105 reads the calculated card usage history for each group to calculate the incentive value for each group (610), and for each group The card usage history is compared with the first client card usage history belonging to the group (625), the degree to which the first client contributes to the calculated incentive value is calculated (630), and the contribution to the calculated first client After calculating the calculated incentive value to be provided to the first client among the incentive value of each group (635), the calculated incentive value is distributed to the first client (540).

According to a preferred embodiment of the present invention, the process of calculating each contribution to each client belonging to the group with respect to the group incentive value and distributing the incentive value is performed for all clients belonging to the group. desirable.

Therefore, after distributing and providing incentive values according to the contributions to the first client as described above, the server 105 stores the card usage history for each group and cards for the second, ..., Nth clients belonging to the group. The usage history is compared (650), and the process of calculating each contribution and distributing the incentive value according to the comparison result is repeated.

If distribution of the calculated group incentive value to all clients belonging to the group is completed and contributed (645), the server 105 initializes the card usage history for each client included in the group. After that (655), the process of storing the card usage history for each client belonging to the group through the process as shown in FIG.

Card issuers (e.g., card companies, financial companies, point management companies) have the advantage of acquiring a customer group consisting of at least two customers who are highly loyal to the card with little to no marketing costs. Has an advantage of being able to receive incentives for card usage on a superior condition than individual customers based on superior card usage per group (eg, sum of payment amount using a card).

Claims (4)

In the group card storage method, Cooperatively processing at least two or more card information included in a specific group in a server and storing the information in a predetermined storage medium; Checking a card usage history corresponding to at least two or more card information included in the specific group at a server; Calculating the total card usage history of the specific group by summing card usage history corresponding to the identified two or more card information in a server; And The server calculates an incentive value corresponding to the calculated total card usage history of the specific group, and calculates the calculated incentive value according to the contribution according to each card usage history relative to the total card usage history of the specific group. Distributing to the group card storage method comprising the. delete The method of claim 1, wherein the card, Point (or mileage) group card storage method characterized in that it comprises at least one or more credit card, debit card, prepaid card, check card. delete

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