KR101293837B1 - Accounting method for private performance - Google Patents

Abstract

The present invention includes the steps of (a) calculating the current month usage history of the customer at the reward cost calculation date, (b) comparing the current month usage history with the settlement server more than the set amount, (c) If the current month usage history is equal to or greater than the set amount, the settlement server grasping the previous month usage history, (d) the settlement server calculating a reward amount using the previous month usage history, and (e The settlement server relates to a benefit settlement method for the usage performance comprising the step of providing the calculated reward amount to the customer in the previous month's reward amount.

Description

How to settle benefits for performance {ACCOUNTING METHOD FOR PRIVATE PERFORMANCE}

The present invention relates to a reward method corresponding to a personal use record, and more particularly, to a method of calculating a benefit to be provided to an individual in response to a personal use record in a credit card, e-commerce, mobile phone bill, offline store, or the like. will be.

Currently, businesses that sell goods or provide paid services, such as credit card companies, online shopping malls, and general offline stores, provide rewards by increasing the consumption of customers and providing differentiated benefits to major customers.

For example, when the current month's payment amount is more than the set amount, the credit card company provides points for the current month, pays the set reward amount, or provides a discount when using the next month's card.

In addition, Internet shopping malls and general offline stores offer points or discount coupons based on customer payments.

However, the conventional reward providing method provides a point corresponding to the current month's payment amount, or receives a discount or reward upon purchase after payment. That is, it is provided in the form of influencing future consumption according to past usage.

Therefore, there is a problem that compensation benefits cannot be provided to customers whose past usage is insufficient, which gradually changes the use of the card or shopping mall or offline store.

Therefore, a benefit settlement method is required to ensure that not only customers with good past performances but also customers with low past usages receive rewards corresponding to the current month according to future usage.

The technical problem according to the present invention is to provide a method for calculating a benefit for a usage performance, in which a reward provided to a customer is more dependent on a future consumption pattern than a current performance.

In addition, the technical problem according to the present invention is to provide a benefit settlement method for the use history that provides a lot of benefits to customers who continue to purchase.

According to a feature of the present invention for achieving the above object, there is provided a benefit settlement method for the use history. The method comprises the steps of: (a) calculating the current month usage of the customer at the reward cost calculation date; (b) comparing the current month usage with the settlement server to the set amount or more; (c) If the current month usage history is equal to or greater than the set amount, the settlement server grasping the previous month usage history, (d) the settlement server calculating a reward amount using the previous month usage history, and (e The settlement server includes providing the calculated reward amount to the customer as the previous month's reward amount.

Here, when the previous month is a plurality of months, the step (c) is to sum up all the usage history of each of the plurality of previous months to grasp the previous month usage history, or use the history of each of the plurality of previous months The previous month usage performance is determined by reflecting the first weight of each previous month and adding the usage history of each previous month to determine the previous month usage performance, or using the previous month usage performance of one of the plurality of previous months. Figure out.

If the previous month is a plurality of months, the step (e) may provide the calculated reward amount to the customer as a reward amount of each of the plurality of previous months, or the calculated reward amount may be transferred to the plurality of months. Provide the customer with a reward amount of one month set out of the month, or provide the calculated reward amount to the customer as the reward amount of each of the plurality of previous months, wherein the reward amount of each previous month is set in correspondence with the corresponding previous month. 2 weights are reflected.

In step (d), the reward amount is calculated using the previous month usage history and the current month usage history.

According to the present invention, since the degree of the reward is determined according to the future use results from the present, there is an effect of increasing sales by inducing continuous use of customers.

In addition, according to the present invention, there is an effect that more compensation is provided to the customer showing the continuous use results.

1 is a conceptual diagram of a benefit settlement method for the use performance according to an embodiment of the present invention.
2 is a conceptual diagram illustrating a period in which a reward benefit is reflected in a method for calculating a benefit for a use result according to an exemplary embodiment of the present invention.
3 is a diagram illustrating a network to which a benefit settlement method for a card usage result according to an exemplary embodiment of the present invention is applied.
4 is a diagram illustrating a network to which a benefit settlement method for home shopping transaction results is applied according to an exemplary embodiment of the present invention.
5 is an internal block diagram of a reward providing server according to an exemplary embodiment of the present invention.
6 is a flowchart illustrating a benefit settlement method for a use result according to a first embodiment of the present invention.
FIG. 7 is a flowchart illustrating a benefit settlement method for a use result according to a second embodiment of the present invention. FIG.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Now, with reference to the drawings will be described in detail the benefit settlement method for the use history according to an embodiment of the present invention.

Prior to the description, the main terms used below are defined.

The current month is a month for which the settlement server 30 calculates the reward benefits or a month corresponding to the customer usage period used to calculate the reward benefits.

The previous month is a sequential past month based on the current month, which is included in the set number of months the rewards are offered, and is one or more months. For example, if the current month is May, if the number of months is 1 month, the previous month is April. If the number of months is 2 months, the previous month is April and March. If the number of months is 3 months, the previous month is April, March and February.

The next month is the month immediately following the current month, for example, if the current month is February, the next month is March. The reward amount is a reward amount provided to the customer, and may be cash or earned points, cyber money, coupons, discount coupons, or the like.

1 is a conceptual diagram of a benefit settlement method for the use performance according to an embodiment of the present invention. As shown in FIG. 1, in the benefit settlement method according to an embodiment of the present invention, the settlement server 30 determines the cost incurred when the customer 10 purchases or uses the object 20 for a fee. To calculate and provide a reward amount to be provided to the customer 10 each month. In addition, the benefit settlement method for the usage performance according to an embodiment of the present invention provides the customer's reward amount for the previous month of the month (current month) calculated the customer's reward amount.

Here, the object 20 is one of the goods with the entity or the service without the entity. For example, the object 20 is a product such as home appliances, clothing, household goods, bags, books, or a paid service such as a credit card service, a mobile communication service, a financial service, or a game service.

The object 20 is provided to the customer 10 on-line or to the customer 10 on-line. That is, the customer 10 purchases or uses the object 20 online or purchases or uses the object 20 offline.

Settlement server 30 is a server or computer that manages / settles the costs associated with the sale or use of the object 20, in addition to the management performance of the customer 10 during the set period for each customer 10 as a member A server or computer for calculating and providing a reward amount according to the present invention.

The settlement server 30 may be a shopping mall server, a game server, a bank server, a card company server, a computer that manages cost entry and exit, or a corresponding terminal installed in a store or a store.

Hereinafter, an operation of providing a reward benefit according to a benefit settlement method for a use result according to an embodiment of the present invention will be conceptually described.

The customer (or member of the settlement server) 10 purchases the object 20 or uses it for a fee (S1). Then, the information on the cost (amount) used for purchasing or paying the object 20 is collected in the settlement server 30 (S2).

The settlement server 30 calculates a reward amount for each customer 10 when the set reward calculation date is reached (S3).

At this time, the calculation of the reward amount is determined by the customer's current month usage E10, and the reward amount is calculated based on at least the customer's previous month usage E20. That is, when the current month use performance E10 is equal to or greater than the set amount, a condition for providing a reward benefit is satisfied, and when the condition is satisfied, the reward amount is calculated based on at least the previous month use result 20. Of course, if the current month's usage (E10) is less than the set amount does not provide a reward benefit.

Here, the current month usage performance (E10) is the customer usage performance during the set period calculated based on the current month, the set period is from the first day to the end of the current month, or the set one month (eg, from the 15th of the previous month) 14 days of the current month).

The settlement server 30 calculates the reward amount of the customer 10, and provides the reward amount to the customer as a reward benefit for the previous month (S4).

Hereinafter, with reference to Figure 1 will be described a more specific concept for the calculation of the reward amount.

The settlement server 30 calculates a reward amount based on at least the previous month usage E20 of the customer when the current month usage E10 becomes equal to or greater than the set amount.

In the above description, the calculation of the reward amount based on at least the customer's previous month's previous use E20 means that the customer's previous month's previous use E20 is used. In other words, as shown in FIG. 1, both the current month usage history E10 and the previous month usage history E20 may be used, or the reward amount may be calculated using only the previous month usage history E20. I mean.

Here, the previous month may be one month or several months (multiple months) as defined in the term definition.

Therefore, if the previous month is several months, the calculation of the previous month's use and the amount of the reward can be modified as follows.

Calculation Variation 1. Sum up all usages of each of a plurality of previous months and reflect the combined usage in calculating the reward amount.

Calculation Variation 2. Add all the usage results from each of the previous months, adding them to each month with different weights, and reflect the combined results when calculating the reward amount. For example, if the previous month is January, February, and March, 60% of the earnings will be recognized for January, 80% of the earnings for February, and 100% of the earnings for March. Of course, you can change the weight to 100% in January, 80% in February, and 60% in March.

Calculation Variation 3. Determine only one month's usage history of a plurality of previous months as the previous month's usage, and reflect the specific month's usage (previous month's usage) in calculating the amount of the reward. A particular month can be the month immediately preceding the current month or the most recent month of the month.

In the following description, an example of calculating a reward amount using the customer use amount of the current month and the previous month shown in FIG. 1 will be described.

(Calculate Reward Amount for Transfer)

The settlement server 30 calculates a reward amount based on the sum of the current calculated monthly use results (E10) and the previous calculated monthly use results (E20), which are previously calculated and stored. The reward amount calculated in this way is a reward benefit corresponding to the previous month, provided in cash, or provided as a point or a coupon, or provided as an instant discount amount when paying the cost of purchasing or using the object 20 next month.

(Calculate reward amount for current month)

The settlement server 30 calculates a reward amount based on the sum of the current month usage results E10 and the next month usage amount E20 previously calculated and stored. The reward amount calculated in this way is a reward benefit corresponding to the current month, provided in cash, provided as a point or a coupon, or provided as an instant discount amount when paying the cost of purchasing or using the object 20 next month.

In this case, the customer use amount E30 of the next month may be calculated only after the next month. Therefore, the rewards of the current month are determined by the type of customer's consumption in the future.

That is, the benefit settlement method according to an exemplary embodiment of the present invention is to provide a reward by determining a reward amount according to a consumption type that a customer consumes in the future (that is, later), rather than providing a reward benefit based on past consumption performance.

On the other hand, when the previous month is a plurality of months, as in the calculation of the reward amount, various modifications are possible in the method of providing the reward amount to the customer (not a network but a distribution method).

Modification according to the provision of the reward amount will be conceptually described with reference to FIG. 2. 2 is a conceptual diagram illustrating a period in which a reward benefit is reflected in a method for calculating a benefit for a use result according to an exemplary embodiment of the present invention.

Basically, the provision of the reward amount is to provide the reward amount calculated in the current month as a reward benefit corresponding to the previous month.

(If the previous month is one month)

When the previous month is one month, as shown in FIG. 2A, the settlement server 30 provides the reward amount calculated in the current month as a reward benefit of the previous month (R2). Of course, the reward amount provided in the current month is calculated and provided in the next month (R1).

(If multiple months are delivered)

When the previous month is several months, as shown in (b) of FIG. 2, the settlement server 30 provides the reward amount calculated in the current month as a reward benefit of the previous month, but may be modified as follows.

Offer Variant 1. Offer the calculated reward amount for each month's rewards (R11 and R12).

Offer Variant 2. Provide the calculated Reward amount as a Reward Benefit for a particular month of the month (either R11 or R12).

Offer Variant 3. Provide the calculated reward amount for each month's rewards, but give different weights to each month. For example, as shown in FIG. 2C, if the previous month is three months, the first previous month is the most recent month, and the third previous day is the most recent month, the reward amount for the first previous month is calculated. 80%, 60% of the reward amount for the second previous month, and 40% of the reward amount for the third previous month. Of course, the weight can be changed to 80% in the third month, 60% in the second month, and 40% in the first month. Here, 80%, 60% and 40% are the weights given to each month.

On the other hand, you can add the current month as a month that rewards benefits are provided. Providing the reward amount calculated in the current month to the current month as a reward benefit is a common technique and will not be described below.

Hereinafter, a specific example to which a method for calculating a benefit for a use record according to an embodiment of the present invention is applied will be described with reference to the drawings.

First, a first embodiment of the present invention will be described with reference to FIGS. 3, 5, and 6.

FIG. 3 is a network configuration diagram to which a method for calculating a benefit for a usage record according to a first embodiment of the present invention is applied, and is a network configuration diagram for a credit card service system. Referring to FIG.

As shown in FIG. 3, a credit card service system to which a benefit settlement method for a usage record according to a first embodiment of the present invention is applied includes a network including a card company server 100 and a plurality of affiliated store terminals 200. Build.

The card company server 100 is a device corresponding to the settlement server 30 described with reference to FIG. 1, and provides a compensation benefit according to the card use history of the customer.

At this time, the card (hereinafter referred to as a "reward card") to which the benefit settlement method for the usage performance according to the embodiment of the present invention is applied is arbitrarily determined by the card company. The reward card may be one particular card, and may be several specific cards or all cards issued by the card company. Reward cards include credit cards, debit cards, and check cards.

Merchant terminal 200 is a card payment terminal installed in the merchant that can use the reward card.

The card company server 100 and the affiliated store terminal 200 perform the card payment request and the card payment approval through the set network, and the payment information is stored in the card company server 100 when the card payment is approved.

Card companies and merchants are determined by the agreement card usage fees (ie, merchant fees), the information on these merchant fees are stored and managed in the card company server (100). At present, the merchant fee that is agreed between the card company and the merchant is not constant, and depends on the type of business of the merchant.

Therefore, even though the same price is paid, the merchant fee is applied differently depending on which merchant pays, and thus, the commission profit provided by the card company is changed.

Hereinafter, the card company server 100 illustrated in FIG. 3 will be described in more detail with reference to FIG. 5. 5 is an internal block diagram of a reward providing server according to an embodiment of the present invention, which is a case where the reward providing server is a card company server 100.

As shown in FIG. 5, the card company server 100 may include a payment processing unit 110, a current month amount calculating unit 120, a previous month amount determining unit 130, a reward amount calculating unit 140, and a reward providing unit ( 150, the transaction history DB 160 and the member information DB 170.

The payment processing unit 110 performs approval processing and payment processing on the card payment details requested by the affiliated store terminal 200 and stores payment completion information in the transaction history DB 160 at the time of payment. The payment completion information includes payment amount, payment date and time, merchant identification information, and card identification information (eg, Bank Identity Number (bin) number).

The current month amount calculating unit 120 uses the customer's transaction information (transaction history) stored in the transaction history DB 160 on a monthly setting date (that is, a reward amount calculation date) to calculate the current month usage history of each customer (E10). The calculated and calculated current month use results (E10) is stored as information of the corresponding member in the transaction history DB (160). The current month amount calculator 120 determines whether to provide a reward benefit by comparing the current month use result E10 with a set reference amount.

The previous month amount determining unit 130 determines the previous month usage history E20 of the member stored in the transaction history DB 160 according to the instruction of the current month amount calculating unit 120. In this case, the previous month amount checking unit 130 calculates the previous month when the previous month is one month and extracts the current month usage performance of the customer stored in the member information DB 170 as the previous month usage history, In the case of a plurality of months, the previous month use history E20 is calculated using the use history of each of the plurality of months (see, for example, the output modification 1, the calculation variation 2, and the calculation variation 3).

The reward amount calculator 140 stores calculation reference information for calculating the reward amount. The calculation reference information is information of a variable for calculating a reward amount, and the variable is a calculation target variable, a weighting variable, a weight variable, and the like.

Here, the variable to be calculated is the customer's use performance applied when calculating the reward amount. The types of variables to be calculated include the current month usage history (E10) and the previous month usage history (E20), and the previous month is a plurality of months such as the transfer (first transfer month) and the previous transfer (second transfer month). In this case, the variables for the previous month's usage performance (E20) are subdivided into the forward usage (E21), the previous transmission's usage (E22), and the three month's forward usage (E23).

The activation (ie, setting) for the variable to be calculated is determined by the customer or service provider.

Among the calculation target variables, the previous month usage history (E20) or the plurality of previous month usage history (E21, E22, E23, etc.) is essentially set. Whether or not to set the current month's usage history (E10) is optional and is used to calculate the reward amount together with the previous month's previous usage history.

As a result, by the selective setting of the variable to be calculated, the reward amount calculator 140 calculates the reward amount using one of the aforementioned reward amount calculation variants.

The weighting determines whether or not to weight each previous month when there are a plurality of previous months. In the case in which the declining value is given, the information on the weight includes the weight setting and the weight information to be applied to each of the plurality of previous months.

As a result, the reward amount calculating unit 140 calculates the reward amount using the user's use history provided by the current month amount calculating unit 120 and the previous month amount determining unit 130 according to the calculation reference information.

The reward providing unit 150 receives the reward amount information of a specific member from the reward amount calculating unit 140 and provides the received reward amount as a reward benefit in the previous month of the corresponding member according to the set provision criteria. Wherein the provision criteria is one of the "provision variant 1", "provision variant 2" and "provision variant 3" described above.

The transaction history DB 160 stores transaction history information (card usage information) generated according to the card use transaction of each member, and calculates the usage history of the corresponding customer calculated by the current month amount calculation unit 120. Stored against the moon. The usage history of the customer stored in the transaction history DB 160 is the previous month usage performance (E20) when the calculated month is the previous month, and the current month usage performance (E10) when the calculated month is the current month.

The member information DB 170 stores personal information about each member, card information held by each member, and information on monthly usage performance, and stores information on monthly reward amount provided to the member.

Hereinafter, a method of calculating a benefit for a usage record according to a first embodiment of the present invention based on FIGS. 3 and 5 will be described with reference to FIG. 6. FIG. 6 is a flowchart illustrating a benefit settlement method for a usage record according to a first embodiment of the present invention, in which a reward amount is calculated according to calculation variant 1, and a reward benefit is provided according to provision variant 2. FIG.

When the customer uses the reward card in the affiliate store 200, the merchant 200 requests the card company server 100 for a card use authorization request for the corresponding reward card, and the card company server 100 is included in the card use authorization request. Check card usage information to approve the card transaction. In this case, the card use information includes identification information of the affiliated store, payment amount, card identification information (for example, BIN: Bank Identifier Number) information, payment date, and the like.

The card company server 100 collects the use information of the reward card of each customer through the card use approval process, and stores the use information on the collected reward card with the customer identification information in the transaction history DB 160 ( S110).

While collecting card usage information every day, the current month amount calculation unit 120 of the card company server 100 determines whether the current day is a reward amount calculation date set for each customer every month (S120), and the current day calculates the reward amount. If the day using the card usage information of the customer stored in the transaction history DB (160) to calculate the current month use history (E10) (S130).

The reward amount calculation date may be a date for preparing a card statement determined for each customer (ie, a date based on a customer settlement date) or a specific date (eg, 10 or 18 days per month, etc.) determined by a financial institution (or customer). If the reward amount calculation date is the card statement creation date, the card company server 100 performs the payment processing operation using the payment processing unit 110, the current month amount calculation unit 120, and the previous month amount determining unit 130 on the reward amount calculation date. At the same time, a reward benefit providing service using the reward amount calculator 140 and the reward provider 150 is performed. Since the payment processing operation is a general operation performed by the card company server 100, it will be omitted below.

When the current month amount calculation unit 120 calculates the current month usage performance (E10) of the customer, the calculated current month usage performance (E10) is compared with the set amount (S130), and the current month usage performance (E10). It is determined whether or not the set amount or more (S140).

The current month amount calculation unit 120 does not provide a reward benefit if the current month use amount E10 is less than the set amount.

On the other hand, if the current month use performance (E10) is more than the set amount, the current month amount calculation unit 120 determines that the conditions for providing a reward benefit to the customer is determined, and accordingly to the previous month amount determining unit 130 Allows the customer to identify (calculate) previous month's usage history (E20).

The previous month amount determining unit 130 determines the previous month usage history (E20) by using the current month usage history of each month stored in the transaction history DB 160 according to the instruction of the current month amount calculation unit 120. And it provides the previous month use results grasped to the reward amount calculation unit 140 (S150). At this time, the transfer month amount determining unit 130 calculates the previous month usage history (E20) by extracting and summing all the usage history for all previous months when the transfer month is plural according to the set calculation variant 1.

The reward amount calculating unit 140 calculates a reward amount of the corresponding customer by using the previous month use history E20 provided from the previous month amount determining unit 130 (S160).

The calculation of the reward amount is converted to October per thousand won, 100 won (or 50 won, etc.) per thousand won from the previous month's use performance (E20), or converted by amount grade.

For example, if the previous month use E20 is 1 million won, the amount of the reward is calculated as 10,000 won if converted to 10 won per thousand won. If the amount is set by the amount grade, set the amount in the unit of 100,000 won, 100,000 won is the first grade, and 200,000 won is the second grade, the previous month's use performance (E20) of 100 million won corresponds to the tenth grade, The reward amount is converted to the amount corresponding to the first rank. Of course, the higher the grade, the larger the amount of reward, and the amount of reward according to the grade is determined arbitrarily by the card company.

Here, the reward amount calculating unit 140 calculates the reward amount using only the previous month's usage history (E20), but calculates the reward amount using both the previous month's usage history (E20) and the current month's usage history (E10). Can be.

The reward amount calculating unit 140 provides the reward amount calculating unit 140 with the calculated reward amount when the reward amount is calculated. When the reward providing unit 140 receives the reward amount of the customer from the reward amount calculating unit 140, the reward amount calculated according to the provided offer variation 2 as the reward amount for the month set out of the previous month, the member information DB ( 160 to store (S170).

Of course, the reward amount can be stored and managed in a separate memory, not the member information DB (160), managed in a form that the user can check at any time, and managed by the user can be used for refund or product purchase, if necessary.

Hereinafter, with reference to FIGS. 4, 5 and 7 will be described a benefit settlement method for the use history according to a second embodiment of the present invention.

FIG. 4 is a diagram illustrating a network to which a benefit settlement method for a usage record according to a second embodiment of the present invention is applied and is a diagram illustrating an Internet shopping mall system.

As shown in FIG. 4, the Internet shopping mall system to which the benefit settlement method for the usage performance according to the second embodiment of the present invention is applied constructs a network including a shopping mall server 100a and a plurality of customer terminals 200a. do.

The shopping mall server 100a is a device corresponding to the settlement server 30 described with reference to FIG. 1. The shopping mall server 100a corresponds to a monthly purchase history of a customer who is registered as a member according to a benefit settlement method for a usage performance according to a second embodiment of the present invention. Provide compensation benefits accordingly.

The customer terminal 200a is an Internet terminal of a customer registered as a member in the shopping mall server 100a and is a computer, a laptop, a mobile phone, a PDA, or the like.

When the customer accesses the shopping mall server 100a through the customer terminal 200a and purchases a product sold by the shopping mall server 100a, the shopping mall server 100a matches the identification information of the customer with the information of the sold product. Store as sales information for the customer.

Here, the shopping mall server 100a is similar to the card company server 100 as shown in FIG. 5, the payment processing unit 110, the current month amount calculation unit 120, the previous month amount determining unit 130, and the reward amount calculation The unit 140, the reward providing unit 150, the transaction history DB 160 and the member information DB (170).

Since the payment processing unit 110 of the shopping mall server 100a processes payment (card, mobile phone, etc.) according to a product purchase in connection with the customer terminal 200a, it is different from the payment processing unit 110 of the card company server 100. The transaction history DB 160 and the member information DB 160 of the shopping mall server 100a differ only in the stored information, and the type of information is the transaction history DB 160 and the member information DB 160 of the card company server 100. Same as the information stored in

In addition, the present month amount calculating unit 120, the previous month amount determining unit 130, the reward amount calculating unit 140 and the reward providing unit 150 of the shopping mall server 100a is also the same as the corresponding configuration of the card company server 100 Do. Of course, the shopping mall server (100a) has a different configuration than the card company server 100, but the different internal configuration between the two servers (100, 100a) corresponds to a conventional configuration and does not significantly affect the gist of the present invention shown and described. Omit.

Hereinafter, a method of calculating a benefit for a usage record according to a second embodiment of the present invention based on FIGS. 4 and 5 will be described with reference to FIG. 7. FIG. 7 is a flowchart illustrating a method of calculating a benefit for a use result according to a second embodiment of the present invention, in which a reward amount is calculated according to calculation variant 2 and a reward benefit is provided according to provision variant 3.

The customer accesses the shopping mall server 100a as a member, selects a product to purchase, and requests a product purchase. The payment processing unit 110 of the shopping mall server 100a identifies the product selected by the customer and the price of the corresponding product, calculates a payment amount, and performs payment for the calculated amount in connection with the customer terminal 200a. Of course, the payment processing unit 110 performs payment in connection with the card company server if the payment card payment, and in connection with the mobile carrier payment if the mobile phone payment.

When the payment processing unit 110 completes the payment, the payment information of the customer, that is, the product purchase information is stored in the transaction history DB 160 (S201). In this case, the product purchase information includes product identification information, payment amount, payment date, purchase member identification information, shipping address information, and the like.

The current month amount calculator 120 determines whether the current month amount calculator 120 determines whether the current date is a reward amount calculation date (or a fixed reward amount calculation date) set for each customer (S202). If the reward amount calculation date is calculated using the current product usage information (E10) using the product purchase information of the customer stored in the transaction history DB (160) (S203).

The reward amount calculation date may be the end of each month or a specific day set by the customer.

In addition, the present month amount calculating unit 120 compares the calculated present month use result E10 with the set amount (S204), and determines whether the present month use amount E10 is greater than or equal to the set amount (S205). ).

The current month amount calculation unit 120 does not provide a reward benefit if the current month use amount E10 is less than the set amount.

On the other hand, if the current month use performance (E10) is more than the set amount, the current month amount calculation unit 120 determines that the conditions for providing a reward benefit to the customer is determined, and accordingly to the previous month amount determining unit 130 Identify the customer's previous month's usage history (E20).

The previous month amount determining unit 130 uses the current month usage history of each month stored in the transaction history DB 160 according to the instruction of the current month amount calculating unit 120 to use the previous month usage history of the customer (E20). ) And provides the previous month usage results (E20) to the reward amount calculation unit 140 (S150). At this time, the previous month amount determining unit 130 extracts all the usage history for all previous months according to the set calculation variant 2 (S206), grasps the first weight of each previous month and calculates the first weight of the previous month. Finally, the previous month's usage results (E20) are calculated by adding the reflected usage results reflected in the usage results (S207).

For example, the last calculated previous month usage E20 is as follows. In this case, the previous month is 2 months (all the previous month).

If the previous month's usage record (E21) is 1 million won and the weight is 80%, the last month's previous usage record (E21) is 1 million won * 80% = 800,000 won. If the previous month's use result (E21) is 2 million won and the weight is 60%, the final electric power use result (E22) is 2 million won * 60% = 1.2 million won.

The final power usage record is provided to the reward amount calculator 130.

The reward amount calculating unit 140 calculates the reward amount of the corresponding customer using the last previous month use history provided from the previous month amount determining unit 130 (S208).

The amount of rewards is calculated in October per thousand won, 100 won (or 50 won, etc.) per thousand won from the previous month's use, or by amount grade.

Here, the reward amount calculator 140 calculates the reward amount using only the previous month's usage record, but may calculate the reward amount using both the previous month's usage record (E20) and the current month's usage record (E10).

The reward amount calculating unit 140 provides the reward amount calculating unit 140 with the calculated reward amount when the reward amount is calculated.

When the reward provider 140 receives a reward amount of the corresponding customer from the reward amount calculator 140, first, according to the set offer variation 3, the second weight for each previous month is first determined (S209), and the identified second weight is determined. Reflect the reflected amount in the reward amount is stored in the member information DB (170) as the reward amount of the previous month (S210).

For example, if the reward amount is 10,000 won and the weight of the previous month is 80%, the reward amount stored corresponding to the previous month is 10,000 won * 80% = 8,000 won. And if the weight of the previous month is 40%, the reward amount stored corresponding to the previous month is 10,000 won * 40% = 4,000 won.

Of course, the reward amount can be stored and managed in a separate memory, not the member information DB (160), managed in a form that the user can check at any time, and managed by the user can be used for refund or product purchase, if necessary.

The embodiments of the present invention described above are not only implemented by the apparatus and method but may be implemented through a program for realizing the function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded, The embodiments can be easily implemented by those skilled in the art from the description of the embodiments described above.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, It belongs to the scope of right.

100: card company server 100a: shopping mall server
30: settlement server 110: payment processing unit
120: current month amount calculation unit 130: previous month amount determination unit
140: reward amount calculating unit 150: reward providing unit
160: transaction history DB 170: member information DB

Claims (6)

(a) the settlement server calculating the customer's current month's usage on the reward cost calculation date;
(b) comparing, by the settlement server, whether the current month usage performance is equal to or greater than a set amount;
(c) determining, by the settlement server, the usage history of the first previous month when the current month usage history is greater than or equal to the set amount;
(d) calculating, by the settlement server, a reward amount using the use history of the first previous month; and
(e) providing, by the settlement server, the reward amount to the customer as the reward amount of the second previous month;
The second previous month is the immediate delivery of the current month,
And the first previous month is at least one month or more including the second previous month as the delivery of the current month. The method of claim 1,
If the first previous month is a plurality of months,
The step (c) is a benefit settlement method for the use history, characterized in that the sum of all the use history of each of the previous month to determine the previous month use history. The method of claim 1,
If the first previous month is a plurality of months,
Step (c) is to reflect the first weight of each previous month set in the use history of each of the plurality of previous months and to sum the use history of each previous month reflected to determine the use history of the first previous month. How to settle benefits for usage. The method of claim 1,
The step (c) is a benefit settlement method for the use history, characterized in that only the use history of the second previous month to identify the use history of the first previous month. delete delete

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