KR102538192B1 - Method for depositing and using points using a text message - Google Patents

Abstract

Point accumulation and use methods are provided that can easily accumulate or use points without the need to present a point accumulation card to a cashier in order to accumulate or use points when accumulating and using a credit card. When a user makes a payment using a credit card, the credit card payment server transmits transaction information including a unique number related to the credit card transaction ("original transaction identification number") to the point management server, and connects to the point management server. Sends a text message including a URL (Uniform Resource Locator) to the user's phone number. When the user receiving the text message wants to accumulate points, he/she clicks the URL included in the text message, and the point management server accumulates member store points for the user. According to the present invention, since the accumulation or use of points is not performed at the time of credit card payment, but is performed individually using a text message transmitted to the user's smartphone after the credit card payment is made, the sales counter for the accumulation and use of affiliated store points You can drastically reduce the time spent on

Description

Method for depositing and using points using a text message {Method for depositing and using points using a text message}

The present invention relates to a method for accumulating and using points using text messages, and more particularly, in order to accumulate or use points when accumulating and using a credit card, without the need to present a point accumulation card to a cashier, points can be easily accumulated or used. It's about how you can earn and use points.

When a user requests payment by credit card at an online or offline affiliated store, the payment information is transmitted to the corresponding credit card company, and the credit card company transmits a result of approval or not to the affiliated store terminal. The credit card company provides the remainder of the credit card payment amount approved by the merchant on the settlement date after deducting the credit card fee. A credit card payment amount is charged to the user, the credit card payment amount is paid, and predetermined points (or mileage) are provided to the user.

On the other hand, points provided by credit card companies are accumulated only when the corresponding credit card is used, and points are accumulated when using a third-party credit card. In order to solve this problem, in Registered Patent No. 0853907, when a user makes a credit card payment at an affiliated store, the payment is approved with a pre-discount, and the payment is made again at the original price targeting the affiliated store, and the credit card company is approved as a reward for the pre-discount. By receiving points from the user's credit card company and managing them in an integrated manner, the discount is immediately applied when using a credit card, thereby eliminating the inconvenience of using points.

However, although credit card companies provide points for using credit cards to users, it can be seen that, in reality, some of the fees borne by merchants are used to accumulate points. Even though the member store actually bears the burden of point reserves, the points accumulated by the credit card company are accumulated regardless of which member store the credit card was used at, so there is no effect of attracting users to the member store. Therefore, in many cases, affiliated stores accumulate their own points in order to attract users to their stores.

Points of the member store itself are accumulated in the form of receiving a sticker for each purchase at the member store and attaching it to the point accumulation paper or getting a stamp on the point accumulation paper, or a separate member store membership card (plastic membership card or smart phone for point accumulation) Cyber membership card installed in the app) is issued and accumulated in the form of accumulation on the membership card. Hereinafter, points independently accumulated by member stores are referred to as 'member store points', and points accumulated by credit card companies are referred to as 'card company points'.

However, credit card company points provided by credit card companies are accumulated without a separate procedure as long as a credit card is used. Since it is necessary to present it to a customer or call a phone number, and the salesperson has to read a membership card or input a phone number to accumulate points, it is inconvenient for both the customer and the salesperson, and it takes a lot of time to pay. In particular, when there are many customers waiting in line to pay, the time required to accumulate merchant points is accumulated and the waiting time in line is greatly increased. From the point of view of the store, the payment time required per customer increases, leading to customer dissatisfaction and increased costs.

In addition, even if you want to use the merchant points, you must express your intention to use the merchant points to the salesperson, and the salesperson must use the membership card to operate the merchant points. will follow

The present invention has been made in view of these points, and an object of the present invention is to provide a method for accumulating and using points using text messages that can reduce the time required at a sales counter to accumulate and use member store points.

When a user makes a payment using a credit card, the credit card payment server verifies validity of the corresponding credit card, remaining usage limit, etc., and sends transaction approval or rejects the transaction. When the credit card transaction is approved, the credit card payment server transfers information such as the unique number related to the credit card transaction ("original transaction identification number"), member store information, approval amount, approval number, and user phone number to the point management server. and transmits a text message including a URL (Uniform Resource Locator) for connection to the point management server. The URL includes information about the original transaction identification number.

The user receiving the text message clicks the URL included in the text message when he or she wants to accumulate points. Then, the user's smartphone is connected to the point management server through the Internet network according to the clicked URL, and at the same time, the original transaction identification number information included in the URL is transmitted to the point management server. The point management server checks whether the same original transaction identification number as the received original transaction identification number has been received from the credit card payment server, and if there is the same original transaction identification number, it is received from the credit card payment server in relation to the original transaction identification number. According to the information, affiliate points are accumulated for the corresponding user. When accumulating member store points, the user's phone number can be used as a unique key. In this way, by storing the user's phone number in association with the affiliated store, the point management server can transmit a promotional text message to the user who has accumulated points at the affiliated store according to a request from the affiliated store.

In another embodiment, instead of the credit card payment server directly transmitting information such as the original transaction identification number, member store information, approval amount, approval number, and user phone number to the point management server, the credit card payment server sends the credit card user's telephone number It is also possible to configure such information to be included in the URL of the text message sent to the number. In this case, when the user clicks the URL, these information are also transferred to the point management server. Then, the point management server skips the process of verifying whether the original transaction identification number identical to the received original transaction identification number has been received from the credit card payment server, and operates the system to accumulate merchant points for the user according to the information included in the URL. can be configured.

When the user clicks on the URL transmitted to the user during credit card payment, the point management server displays a button for accumulating merchant points as well as a button for using merchant points on the screen of the user's smartphone, allowing the user to It can be configured so that merchant points can be used for card payment. When the user selects the use of affiliated store points and inputs the amount to be used, the point management server requests the use of the corresponding amount to the credit card payment server and deducts the points corresponding to the amount used from the accumulated affiliated store points. The credit card payment server charges the user an amount deducted by the point usage amount when requesting a credit card payment amount from the user later. In addition, when the credit card payment server transfers the credit card payment amount to the affiliated store, the affiliated store bears the user's affiliated point usage amount by transferring an amount deducted by the affiliated store point usage amount of the corresponding affiliated store.

In addition, depending on the embodiment, it is also possible to configure the card company points to be used together when using the member store points. In this case, the amount of credit card company points used is borne by the credit card company, and the deduction of the card company points is also processed by the credit card company.

According to the present invention, since the accumulation or use of points is not performed at the time of credit card payment, but is performed individually using a text message transmitted to the user's smartphone after the credit card payment is made, the sales counter for the accumulation and use of affiliated store points You can drastically reduce the time spent on In addition, by adding and sending an advertisement or event notice for each affiliated store to the text message for point accumulation, the effect of promoting the affiliated store can be improved. In addition, when an affiliated store wants to advertise to customers who have accumulated points at the affiliated store, it is not necessary to expose personal information such as a phone number to the affiliated store because a promotional text message can be sent through the broker.

1 is a block diagram showing the overall appearance of a system for performing a method for earning and using points of the present invention.
2 is a flowchart showing a point accumulation procedure according to an embodiment of the present invention.
3 is a flowchart showing a point usage procedure according to an embodiment of the present invention.
4 is an example of a text message transmitted to a user when paying by credit card in one embodiment of the present invention.
5 is an example of a screen displayed on a user's smart phone when a user clicks a URL included in a text message to accumulate points and accesses a point management server.
6 is an example of a screen displayed on a user's smart phone when the user selects use of points on the screen of FIG. 5 .
7 is a flowchart showing a point accumulation procedure according to another embodiment of the present invention.
8 is a flowchart showing a point usage procedure according to another embodiment of the present invention.

1 is a block diagram showing the overall appearance of a system for performing the method of the present invention.

When a user makes a payment using a credit card, the credit card payment terminal 300 transmits credit card information, member store information, payment amount information, etc. to the credit card payment server 200 through a communication network such as a Value Added Network (VAN). . Then, the credit card payment server 200 checks the validity of the corresponding credit card, the remaining usage limit, etc., and transmits transaction approval or rejects the transaction. When the credit card transaction is approved, the credit card payment server 200 points information such as a unique number related to the credit card transaction ("original transaction identification number"), member store information, approval amount, approval number, and user phone number. It is transmitted to the management server 100, and a text message including a URL (Uniform Resource Locator) to the point management server 100 including the original transaction identification number is transmitted to the phone number of the user's smartphone 400. Depending on the embodiment, instead of the credit card payment server 200 directly transmitting information such as the original transaction identification number, affiliated store information, approval amount, and approval number to the point management server 100, the credit card user's smartphone ( It is also possible to include these information in the URL of the text message sent to the phone number of 400).

The user receiving the text message clicks the URL included in the text message when he or she wants to accumulate points. Then, the user's smartphone 400 is connected to the point management server 100 through the Internet according to the clicked URL, and at the same time, the original transaction identification number included in the URL is transmitted to the point management server 100. In the case of an embodiment in which information such as affiliate store information, approval amount, and approval number is transmitted in the URL, when the user clicks the URL, these information are also transmitted to the point management server 100.

The point management server 100 checks whether the same original transaction identification number as the received original transaction identification number is received from the credit card payment server 200, and if there is the same original transaction identification number, whether to allow the user to accumulate points only or use points. It transmits a screen to confirm whether or not to do so, and performs points accumulation and use procedures according to the user's choice. If the user only wants to accumulate points, affiliate points are accumulated for the user (or the user's credit card) according to information received from the credit card payment server 200 in relation to the original transaction identification number.

In the case of an embodiment in which information such as affiliate store information, approval amount, and approval number is transmitted in the URL, a procedure for confirming whether the same original transaction identification number as the received original transaction identification number has been received from the credit card payment server 200 It is omitted and the system can be configured to accumulate affiliate points for the corresponding user (or the corresponding user's credit card) according to the information included in the URL.

Hereinafter, various point accumulation and use methods will be described with reference to the drawings.

< No. 1 Example >

1. How to earn points

Referring to FIGS. 2, 4 and 5, a method for accumulating points according to an embodiment of the present invention will be described.

When a user makes a payment using a credit card, the credit card payment terminal 300 transmits credit card information, member store information, payment amount information, etc. to the credit card payment server 200 through a communication network such as a Value Added Network (VAN). . Then, the credit card payment server 200 checks the validity of the corresponding credit card, the remaining usage limit, etc., and transmits transaction approval or rejects the transaction. When normal credit card payment is made (step S20), the credit card payment server 200 stores the unique number related to the credit card transaction ("original transaction identification number"), member store information, approval amount, approval number, user phone number, etc. Transaction information of is transmitted to the point management server 100 (step S21). In addition, as the phone number of the user's smartphone 400 stored in the credit card payment server 200, a text message including a URL (Uniform Resource Locator) to the point management server 100 including the original transaction identification number is sent. Transmit (step S22). An example of a text message is shown in FIG. 4 .

When the user receiving the text message wants to accumulate points, he or she clicks the URL 41 included in the text message (step S23). Then, the user's smartphone 400 is connected to the point management server 100 through the Internet network according to the clicked URL, and at the same time, the original transaction identification number included in the URL is transmitted to the point management server 100 (step S24).

The point management server 100 checks whether the same original transaction identification number as the received original transaction identification number is received from the credit card payment server 200, and if there is the same original transaction identification number, calculates the points to be accumulated from the transaction information Information on point accumulation (points to be accumulated this time, accumulated points, usable points, etc.) and means for point accumulation are displayed The screen is transmitted (step S25). An example of the screen at this time is shown in FIG. 5 . On the other hand, when the user accesses the point management server 100 by clicking the URL, the phone number of the user smartphone 400 may be transmitted from the user smartphone 400 to the point management server 100 together. In this case, the point management server 100 may be configured to perform the next step only when the phone number received from the user smartphone 400 and the user's phone number included in the transaction information received in step S21 match. .

On the screen of FIG. 5, when the user selects point accumulation by clicking the "use next point" button 51 (step S26), the point management server 100 is a credit card payment server in relation to the original transaction identification number. According to the transaction information received from (200), affiliate points of the corresponding affiliate store are accumulated for the corresponding user (step S27). When accumulating member store points, the user's phone number can be used as a unique key.

On the other hand, by storing the phone number of the user who has accumulated points at the affiliated store in association with the corresponding affiliated store, the point management server 100 can send a promotional text message to the user who has accumulated points at the affiliated store according to a request from the affiliated store.

2. How to use points

Next, referring to FIGS. 3, 4, and 5, a method for accumulating points according to an embodiment of the present invention will be described.

When the user makes a payment using a credit card and the normal credit card payment is made (step S30), the credit card payment server 200 provides a unique number related to the credit card transaction ("original transaction identification number"), member store information, Transaction information such as an approval amount, an approval number, and a user phone number is transmitted to the point management server 100 (step S31). In addition, the phone number of the user smartphone 400 stored in the credit card payment server 200 is shown in FIG. 4 including a URL (Uniform Resource Locator) to the point management server 100 including the original transaction identification number. The same text message is transmitted (step S32).

When the user receiving the text message wants to accumulate points, he or she clicks the URL 41 included in the text message (step S33). Then, the user's smartphone 400 is connected to the point management server 100 through the Internet network according to the clicked URL, and at the same time, the original transaction identification number included in the URL is transmitted to the point management server 100 (step S34).

The point management server 100 checks whether the same original transaction identification number as the received original transaction identification number is received from the credit card payment server 200, and if there is the same original transaction identification number, information on point accumulation is provided to the user (this time Points to be accumulated, accumulated points, usable points, etc.) and a screen displaying means for point accumulation are transmitted (step S35). An example of the screen at this time is shown in FIG. 5 . On the other hand, when the user accesses the point management server 100 by clicking the URL, the phone number of the user smartphone 400 may be transmitted from the user smartphone 400 to the point management server 100 together. In this case, the point management server 100 may be configured to perform the next step only when the phone number received from the user smartphone 400 and the user's phone number included in the transaction information received in step S21 match. .

In the screen of FIG. 5, when the user clicks the "use points" button 52 and selects the use of points (step S36), the point management server 100 displays a screen for entering the amount of points to be used on the smartphone 400. and receives input from the user, the point management server 100 deducts the affiliated store points of the corresponding affiliated store for the corresponding user by the input point amount (step S37). In addition, according to the transaction information received from the credit card payment server 200 in relation to the original transaction identification number of this transaction, member store points of the member store are accumulated for the corresponding user. When accumulating and using merchant points, the user's phone number can be used as a unique key.

In addition, the point management server 100 transmits point usage information including point usage amount information, user information, and member store information to the credit card payment server 200 (S38). Step S38 may be performed when the user selects the use of affiliated store points and deducts points, and collects all the details of points used by all users for a certain period of time (eg, one day) and collects all of the details of the points used by the user at once in the form of a file credit card payment server 200 It is also possible to configure it to transmit to .

Upon receiving the point usage information, the credit card payment server 200 requests an amount obtained by subtracting the point usage amount from the credit card usage amount when requesting a credit card payment amount from the user later. In addition, when the credit card payment server transfers the credit card payment amount to the affiliated store, the affiliated store bears the user's affiliated point usage amount by transferring an amount deducted by the affiliated store point usage amount of the corresponding affiliated store.

In addition, depending on the embodiment, it is also possible to configure the card company points to be used together when using the member store points. In this case, it is preferable to also display information on the card company points on the screen displayed in step S35. In addition, if point use is selected in step S36, as shown in FIG. 6, a means for inputting the amount of merchant points to be used and the amount of card company points to be used is displayed, so that the user can arbitrarily use the amount of merchant points and card company points to be able to enter. Point deduction in step S37 deducts only the amount of affiliated store points to be used, and information on the amount of credit card company points is transmitted from the point management server 100 to the credit card payment server 200, and the credit card payment server 200 deducts the points let it do At the time of settlement in step S39, the amount of points used by the credit card company is borne by the credit card company, and the deduction of the credit card company points is also processed by the credit card company.

< No. 2 Example >

1. How to earn points

Referring to FIGS. 7, 4, and 5, a point accumulation method according to another embodiment of the present invention will be described.

When a user makes a payment using a credit card, the credit card payment terminal 300 transmits credit card information, member store information, payment amount information, etc. to the credit card payment server 200 through a communication network such as a Value Added Network (VAN). . Then, the credit card payment server 200 checks the validity of the corresponding credit card, the remaining usage limit, etc., and transmits transaction approval or rejects the transaction. When normal credit card payment is made (step S70), the credit card payment server 200 stores the unique number related to the credit card transaction (“original transaction identification number”), member store information, approval amount, approval number, user phone number, etc. Sends a text message including a URL (Uniform Resource Locator) to the point management server 100 containing the transaction information of to the phone number of the user's smartphone 400 stored in the credit card payment server 200 (step S71). An example of a text message is shown in FIG. 4 .

When the user receiving the text message wants to accumulate points, he or she clicks the URL 41 included in the text message (step S72). Then, the user's smartphone 400 is connected to the point management server 100 through the Internet network according to the clicked URL, and at the same time, the transaction information included in the URL is transmitted to the point management server 100 (step S73). .

The point management server 100 calculates the points to be accumulated from the received transaction information, reads the information on the points at the affiliate store stored in association with the corresponding user number, and provides the user with information about point accumulation (to be accumulated this time). Points, accumulated points, usable points, etc.) and a screen displaying means for accumulating points are transmitted (step S74). An example of the screen at this time is shown in FIG. 5 .

In the screen of FIG. 5, when the user clicks the "use next point" button 51 to select point accumulation (step S75), the point management server 100 accumulates the member store points of the corresponding member store for the user (Step S76). When accumulating member store points, the user's phone number can be used as a unique key.

On the other hand, by storing the phone number of the user who has accumulated points at the affiliated store in association with the corresponding affiliated store, the point management server 100 can send a promotional text message to the user who has accumulated points at the affiliated store according to a request from the affiliated store.

2. How to use points

Next, a method of using points according to another embodiment of the present invention will be described with reference to FIGS. 8, 4, and 5.

When a user makes a payment using a credit card, the credit card payment terminal 300 transmits credit card information, member store information, payment amount information, etc. to the credit card payment server 200 through a communication network such as a Value Added Network (VAN). . Then, the credit card payment server 200 checks the validity of the corresponding credit card, the remaining usage limit, etc., and transmits transaction approval or rejects the transaction. When normal credit card payment is made (step S80), the credit card payment server 200 stores the unique number related to the credit card transaction ("original transaction identification number"), member store information, approval amount, approval number, user phone number, etc. Sends a text message including a URL (Uniform Resource Locator) to the point management server 100 containing the transaction information of to the phone number of the user's smartphone 400 stored in the credit card payment server 200 (step S81). An example of a text message is shown in FIG. 4 .

When the user receiving the text message wants to accumulate points, he or she clicks the URL 41 included in the text message (step S82). Then, the user's smartphone 400 is connected to the point management server 100 through the Internet network according to the clicked URL, and at the same time, the transaction information included in the URL is transmitted to the point management server 100 (step S83). .

The point management server 100 calculates the points to be accumulated from the received transaction information, reads the information on the points at the affiliate store stored in association with the corresponding user number, and provides the user with information about point accumulation (to be accumulated this time). Points, accumulated points, usable points, etc.) and a screen displaying means for accumulating points are transmitted (step S84). An example of the screen at this time is shown in FIG. 5 .

On the screen of FIG. 5, when the user clicks the "use points" button 52 and selects the use of points (step S85), the point management server 100 displays a screen for entering the amount of points to be used on the smartphone 400. and receives input from the user, the point management server 100 deducts affiliated store points for the corresponding user by the input point amount (step S86). In addition, according to the transaction information of this transaction, the member store points of the corresponding member store are accumulated for the corresponding user. When accumulating and using merchant points, the user's phone number can be used as a unique key.

In addition, the point management server 100 transmits point usage information including point usage amount information, user information, and member store information to the credit card payment server 200 (S87). Step S87 may be performed when the user selects the use of affiliated store points and deducts points, and collects all the details of points used by all users for a certain period of time (eg, one day) and collects all of the details of the points used by the user at once in the form of a file credit card payment server 200 It is also possible to configure it to transmit to .

Upon receiving the point usage information, the credit card payment server 200 requests an amount obtained by subtracting the point usage amount from the credit card usage amount when requesting a credit card payment amount from the user later. In addition, when the credit card payment server transfers the credit card payment amount to the affiliated store, the affiliated store bears the user's affiliated point usage amount by transferring an amount deducted by the affiliated store point usage amount of the corresponding affiliated store.

In addition, depending on the embodiment, it is also possible to configure the card company points to be used together when using the member store points. In this case, it is preferable to also display information on the card company points on the screen displayed in step S84. In addition, if point use is selected in step S85, as shown in FIG. 6, a means for inputting the amount of merchant points to be used and the amount of card company points to be used is displayed, so that the user can arbitrarily use the amount of merchant points and card company points to be able to enter. Point deduction in step S86 deducts only the amount of member store points to be used, and information on the amount of credit card company points is transmitted from the point management server 100 to the credit card payment server 200, and the credit card payment server 200 deducts the points let it do At the time of settlement in step S88, the credit card company points are borne by the credit card company, and the credit card company handles the deduction of the credit card company points.

In the above, the present invention has been described with several examples, but even if all components constituting an embodiment of the present invention are combined or described as operating in combination, the present invention is not necessarily limited to these embodiments. That is, within the scope of the object of the present invention, all of the components may be selectively combined with one or more to operate. In addition, although all of the components may be implemented as a single independent piece of hardware, some or all of the components are selectively combined to perform some or all of the combined functions in one or a plurality of hardware. It may be implemented as a computer program having. Codes and code segments constituting the computer program may be easily inferred by a person skilled in the art. Such a computer program may implement an embodiment of the present invention by being stored in a computer readable storage medium, read and executed by a computer. A storage medium of a computer program may include a semiconductor recording medium, a magnetic recording medium, an optical recording medium, a carrier wave medium, and the like.

In addition, terms such as "comprise", "comprise" or "having" described above mean that the corresponding component may be present unless otherwise stated, and thus exclude other components. It should be construed as being able to further include other components.

The above description is merely an example of the technical idea of the present invention, and various modifications and variations can be made to those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention, but to explain, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be construed according to the claims below, and all technical ideas within the equivalent range should be construed as being included in the scope of the present invention.

100 point management server,
200 credit card payment server,
300 credit card payment terminal,
400 smartphones.

Claims (1)

The credit card payment server manages the transaction information including the unique number related to the credit card transaction in which normal credit card payment was made (hereinafter referred to as "original transaction identification number"), member store information, approval amount, approval number, and user phone number as points sending to the server;
Transmitting, by a credit card payment server, a text message including connection information to a point management server and original transaction identification number information to the user's phone number;
The point management server verifies that the same original transaction identification number as the original transaction identification number received from the user who accessed the point management server using the access information included in the text message has been received from the credit card payment server, and confirms that the same original transaction identification number has been received. If there is a number, transmitting to the user a screen displaying information on point accumulation including points to be accumulated this time and means for point accumulation;
If the user approves the accumulation of points, the point management server accumulates points for the user.
Point earning method comprising a.

Images