KR102552893B1 - System and method for paying the united point - Google Patents

Abstract

The present invention provides public/individual loyalty methods by securing many affiliates, increases customer service, is advantageous in securing new customers and utilizing public service channels (public relations, management), and through a payment pool. It is to provide an integrated royalty management system and method desirable for new business expansion such as derivative financial business. To this end, a plurality of affiliate servers 300 that build a customer DB 350 in which information on each of the customers 500 is built; a loyalty integration management server 100 communicating with the affiliate server 300 and managing loyalty points to customers of the plurality of affiliate servers 300; and a royalty pool 200 that communicates with the loyalty integration management server 100 and the affiliate server 300 and permits issuance and refund of the loyalty points. Including, but each of the plurality of affiliate servers should grant loyalty points to their respective customers 500 according to their respective policies, and when each customer purchases a product or service with loyalty points, grant the loyalty points to the customer. It is characterized in that the point to be notified to the loyalty integrated management server 100, and the point paid instead of cash from the customer is notified to the loyalty integrated management server 100 and the loyalty pool 200 to be converted into cash.

Description

Loyalty integrated management system and method {SYSTEM AND METHOD FOR PAYING THE UNITED POINT}

The present invention relates to an integrated royalty management method, in particular, royalty integration for integrating and operating royalties such as mileage, points, cyber money, or reserves provided by various Internet companies (hereinafter, collectively referred to as "royalty" in this specification). It relates to management systems and methods.

Mileage refers to the number of miles traveled by using a specific airline. In order to attract customers, the airline provides compensation such as providing free tickets according to the mileage accumulated by each customer.

This type of compensation is applied not only to airlines but also to many other fields. In particular, with the advent of the Internet, there are increasing cases in which users are compensated for various actions such as the number of accesses to the site, the number of clicks on banner advertisements, the number of participation in surveys, and winnings according to answering quizzes, as well as the purchase of goods. Various terms such as cyber money, points, reserves, etc. are used for such compensation, but in this specification, it will be collectively referred to as "royalty". However, in some cases, it may be referred to as 'mileage', 'point', or 'loyalty point'.

However, the royalty granted according to such a conventional compensation system could only be used on the corresponding website or a site affiliated with the corresponding website. In addition, in order to be able to use these royalties, it is common that a certain limit or more must be accumulated. Therefore, since users are granted royalties from various websites, even though the total amount is considerable, each of the royalties is small, so there are many cases where users cannot use them or even if they use them, they are not very helpful.

In addition, most of these royalties are non-transferable, so there is a case where it is difficult to use the mileage immediately because the royalty is slightly insufficient.

On the other hand, from the standpoint of a company introducing a loyalty management system, there is a burden of individually establishing a system for granting royalties to each member and rewarding them according to the royalties. Therefore, there is a disadvantage in that it is difficult to introduce a loyalty operating system in a small website.

In addition, even if the loyalty system is introduced and operated, there are many cases in which the user's response is not very good because the user has a narrow range of choices for using mileage or it takes a long time to accumulate loyalty to a usable level.

On the other hand, as a technique for solving this problem, Korean Patent No. 10-0366150 (Name: Integrated mileage operation method on Internet e-commerce) has been proposed, and the first prior art can be commonly used on various websites. The purpose of this is to provide a mileage integrated operation method in Internet e-commerce that can be used to purchase items on various websites using mileage. As shown in Figs. 1 to 3.

1 is a schematic block diagram showing how various subjects of the first prior art are connected to the Internet network, and FIG. 2 is a schematic block diagram showing how to purchase mileage from an integrated mileage management server on the website of the first prior art of FIG. 3 is a schematic diagram showing a procedure for providing mileage to a user who purchases , and FIG. 3 is a schematic diagram showing a procedure when an Internet user uses mileage provided from the website of the first prior art of FIG. 1 when purchasing a product.

In FIG. 1, reference numerals 100a to 100n represent Internet users, numerals 300a to 300n represent websites adopting the mileage integration operation method of the first prior art, and 400 supervise the first prior art mileage integration operation method. Indicates an integrated mileage management server that All of these are connected to the Internet network (200).

Various devices such as a personal computer (PC), a mobile phone, a PDA (Personal Digital Assistant), a palmtop computer, and the like may be used as Internet access devices that can be utilized by Internet users, but are not limited to specific devices.

Typically, each Internet user (100a..100n) joins as a member in several websites (300a..300n) according to his or her taste. For example, Internet user 100a joins websites 300a, 300c, and 300m, Internet user 100b joins websites 300b, 300c, 300d, 300n, etc. Each Internet user arbitrarily joins several websites.

Next, a procedure for purchasing mileage from the integrated mileage management server 400 on the website 300 and providing mileage to the user 100 who purchased the product will be described with reference to FIG. 2 .

First, the website 300 that has joined the integrated mileage management server 400 as a member company pays the integrated mileage management server 400 (1 in FIG. 2) and purchases mileage (2 in FIG. 2). The website 300 that has joined the integrated mileage management server 400 as a member company is provided with a website mileage management program for purchasing mileage and providing mileage to users. The website uses this program to receive mileage through the Internet.

Since the mileage is in the form of an encrypted code, it is preferable to prevent hacking or the like. When the integrated mileage management server 400 provides mileage to the website 300, the mileage is to record information about the website 300 where the mileage was purchased, or when a mileage management program for the website is provided It is desirable to have the program record the information about the website so that when the mileage is collected later, it is possible to distinguish which website the mileage was issued from.

When the website 300 where the mileage was purchased performs an act intended to provide the mileage, such as when the Internet user 100 purchases a product on the website 300 or participates in a specific event (3 in FIG. 4), the corresponding The mileage is transmitted to the mileage wallet of the Internet user 100. The mileage management program for the website of the website 300 deducts the amount of mileage provided to the user 100 from the amount of mileage purchased on the website 300 when transmitting mileage. When the mileage wallet program of the Internet user 100 receives mileage, it adds the amount of mileage provided to the mileage remaining in the wallet.

The integrated mileage management server 400 receives a prepayment of the corresponding amount from the website where each mileage is initially issued and deposits it in a specific financial institution. Accordingly, when an Internet user receives mileage in a mileage wallet, he/she may receive an electronic guarantee for the corresponding amount from a financial institution.

Next, a procedure for using the provided mileage to purchase products by the Internet user 100 will be described with reference to FIG. 3 . The Internet user 100 accesses a website 300 such as an Internet shopping mall and selects a product to purchase. choose Then, the website 300 asks how to pay. The payment method includes payment by mileage in addition to the general payment method. In addition, general payment and payment by mileage may be combined and used.

When the user 100 selects payment by mileage, the mileage wallet installed in the computer of the user 100 is activated, and the user 100 checks the checkbox of the mileage to be used among several types of mileage. It is also possible to select several types of mileage that can be used if one type of mileage is not enough to pay.

After selecting the mileage to be used and pressing the OK button, the mileage is reduced by the corresponding point in the mileage wallet, and the mileage code is transmitted from the computer of the Internet user 100 to the website 300 (① in FIG. 3). Upon receiving the mileage code, the mileage management program for the website of the website 300 increases its own mileage points by the amount received.

The website 300 receiving the mileage delivers the product purchased by the user 100 to the user 100 (② in FIG. 3), transmits the received mileage to the integrated mileage management server 400 (FIG. 3 ③) The cost is paid according to the mileage amount (④ in FIG. 3). Transmitting the received mileage to the integrated mileage management server 400 may be done as soon as the mileage is received from the user 100, and the received mileage is collected and transmitted at a time at regular intervals to be settled with the integrated mileage management server 400. You may.

At this time, the amount paid by the integrated mileage management server 400 may be different from the price purchased on the website 300, and the integrated mileage management server 400 may operate the integrated mileage system with the difference.

According to the first prior art, since mileage can be commonly used on various websites, the effectiveness of mileage from the user's point of view is increased, and thus the effect of granting mileage to the user is also increased. In addition, since mileage provided little by little from various websites can be combined and used, the effect of granting mileage is further increased. In addition, since users can use mileage to purchase products from various websites, the useful value of mileage increases, and thus the effect of granting mileage to users increases.

However, even according to the first prior art, it only means that mileage can be integrated to the end, and each mileage is not cash and is limited to a specific product or service and is limited to a function such as a barter gift certificate. Thus, such an integrated mileage system also had limitations in being under-changed and used.

On the other hand, Figure 4 is a schematic block diagram of a centralized loyalty integrated management system of the second prior art, where each user stores customer information or point information in a customer DB of a central service provider through an affiliate site or directly. , All information is centralized, and in this way, each affiliate is inevitably subordinate to the central service provider's point policy, and therefore affiliates inevitably have to follow the central service provider's instructions, resulting in side effects. was large, which became a major drawback of the integrated system.

On the other hand, since the central service provider must maintain and operate a huge DB, it is a method with a high risk of causing a very dangerous situation if the number of affiliated companies (affiliates) decreases or the rate of conversion of users' points increases.

Korean Patent No. 10-0366150 (Title: Integrated mileage operation method in Internet e-commerce)

The present invention has been made in view of these points, and provides public/individual loyalty methods by securing many affiliates, increases customer service, is advantageous in securing new customers and utilizing public service channels (public relations, management), and payment It is to provide an integrated royalty management system and method desirable for new business expansion such as derivative financial business through a payment pool.

In particular, according to the integrated loyalty management system and method of the present invention, since loyalty points are issued based on the accumulation of cash, they are used equally with cash, and integrated operation is performed, but the risk or dB construction can go to a distributed system , it is possible to take advantage of both.

However, what is different from electronic money or tokens is that cash and loyalty points in the present invention do not correspond one-to-one, and the issuer and grant method of loyalty points in the present invention are different from electronic money or tokens, and The method of use is also different.

The above object and other additional objects will be clearly recognized by those skilled in the art without departing from the spirit of the present invention by the appended claims.

Loyalty integration management method according to the first aspect of the present invention, a plurality of affiliate servers (300) for building a customer DB (350) in which information on each customer (500) is built; a loyalty integrated management system 400 communicating with the affiliate server 300 and managing loyalty points to customers of the plurality of affiliate servers 300; and a royalty pool 200 that communicates with the integrated loyalty management system 400 and the affiliate server 300 and permits issuance and refund of the loyalty points. Including, but each of the plurality of affiliate servers should grant loyalty points to their respective customers 500 according to their respective policies, and when each customer purchases a product or service with loyalty points, grant the loyalty points to the customer. Points to be used are notified to the loyalty integrated management system 400, and the points paid instead of cash from customers are notified to the loyalty integrated management system 400 and the loyalty pool 200 to be converted into cash, and the loyalty integrated management system 400 Integrated royalty management in the integrated royalty management system, characterized by consisting of a payment gateway (PG) (410), an acquirer (420), and a certification authority (ICKash CA) (430) As a method, while the affiliate server transmits information to purchase a certain amount of loyalty points to the loyalty integrated management system 400 and requests the purchase of loyalty points (①), an amount equivalent to the value of such points is transferred to the loyalty pool 200 depositing in (②); The royalty pool 200 transmits deposit result information to the royalty integrated management system 400 while guaranteeing payment (③); The integrated loyalty management system 400 approves the issuance of loyalty points to the affiliate server (④); and when the affiliate server secures and holds certain points in advance and the customer 300 wants to acquire points while purchasing a product or responding to an event (⑤), granting a certain amount of points to the customer (⑥); Including, When a customer (500) sends order information (①) when purchasing a product or service from an affiliate's site, and wants to pay with points (ICKash), he sends payment instruction information to the payment gateway (PG: Payment Gateway) (410). (②), the payment settlement operator 410 requests the purchase of slips from the card slip acquirer 420 (③), and the card slip acquirer 420 is a point (ICKash) issuer and in the royalty pool 200 Payment is made to the corresponding financial institution (④), and the loyalty pool 200 verifies the authenticity of the points (ICKash), and then pays the payment to the affiliate server (⑤), and the authentication institution (ICKash It is characterized in that the CA) 430 can perform authentication between the customer 500 and the affiliate server.

On the other hand, the integrated loyalty management method according to the second aspect of the present invention includes a plurality of affiliate servers 300 that build a customer DB 350 in which information on their respective customers 500 is built; a loyalty integrated management system 400 communicating with the affiliate server 300 and managing loyalty points to customers of the plurality of affiliate servers 300; and a royalty pool 200 that communicates with the integrated loyalty management system 400 and the affiliate server 300 and permits issuance and refund of the loyalty points. Including, but each of the plurality of affiliate servers should grant loyalty points to their respective customers 500 according to their respective policies, and when each customer purchases a product or service with loyalty points, grant the loyalty points to the customer. Points to be used are notified to the loyalty integrated management system 400, and the points paid instead of cash from customers are notified to the loyalty integrated management system 400 and the loyalty pool 200 to be converted into cash, and the loyalty integrated management system 400 Integrated royalty management in the integrated royalty management system, characterized by consisting of a payment gateway (PG) (410), an acquirer (420), and a certification authority (ICKash CA) (430) As a method, while the affiliate server transmits information to purchase a certain amount of loyalty points to the loyalty integrated management system 400 and requests the purchase of loyalty points (①), an amount equivalent to the value of such points is transferred to the loyalty pool 200 Step of depositing (②); The royalty pool 200 transmits deposit result information to the royalty integrated management system 400 while guaranteeing payment (③); The integrated loyalty management system 400 approves the issuance of loyalty points to the affiliate server (④); and when the affiliate server secures and holds certain points in advance and the customer 300 wants to acquire points while purchasing a product or responding to an event (⑤), granting a certain amount of points to the customer (⑥); Including, When a customer purchases a product or service from an affiliate's site with a card (501) or mobile terminal (502), the customer submits order information (①), wants to pay with points (ICKash), and the payment gateway (PG: Payment Gateway) ( When payment instruction information is sent to 410) (②), the payment settlement operator 410 requests the purchase of the slip from the card slip acquirer 420 (③), and the card slip acquirer 420 receives points (ICKash) The issuer and the financial institution corresponding to the royalty pool 200 are billed (④), and the royalty pool 200 verifies the authenticity of the points (ICKash), and then pays the payment to the affiliate server ( ⑤), it is characterized in that the certification authority (ICKash CA) 430 can perform authentication between the customer 500 and the affiliate server.

On the other hand, in the integrated loyalty management method according to the third aspect of the present invention, a plurality of affiliate servers (300, 300") constructing a customer DB (350) in which information on each of the customers (500) is established; the affiliates An integrated loyalty management system 400 communicating with a server and managing loyalty points to customers of the plurality of affiliate servers; and communicating with the integrated loyalty management system 400 and the affiliate server, issuing and refunding the loyalty points a royalty pool that grants (200,200"); Including, but each of the plurality of affiliate servers should grant loyalty points to their respective customers 500 according to their respective policies, and when each customer purchases a product or service with loyalty points, grant the loyalty points to the customer. Points to be used are notified to the integrated loyalty management system 400, and the points paid instead of cash from customers are notified to the integrated loyalty management system 400 and the loyalty pool to be converted into cash, and the integrated loyalty management system 400 makes payment As an integrated royalty management method in a royalty integrated management system, characterized in that it consists of a business operator (PG: Payment Gateway) 410, a card slip acquirer 420, and a certification authority (ICKash CA) 430, The step of depositing an amount equivalent to the value of such points in the loyalty pool while the affiliate server transmits information to purchase a certain amount of loyalty points to the loyalty integrated management system 400 and requests purchase of loyalty points (①). ); The royalty pool provides payment guarantee while transmitting deposit result information to the royalty integrated management system 400 (③); The integrated loyalty management system 400 approves the issuance of loyalty points to the affiliate server (④); and when the affiliate server secures and holds certain points in advance and the customer 300 wants to acquire points while purchasing a product or responding to an event (⑤), granting a certain amount of points to the customer (⑥); Including, When a customer purchases a product or service from an affiliate's website with a card (501) or a mobile terminal (502) and submits order information (①), the customer wants to pay with points (ICKash) to the payment provider (PG) (410). When the payment instruction information is sent (②), the payment settlement operator 410 requests the purchase of the slip from the card slip acquirer 420 (③), and the card slip acquirer 420 issues the point (ICKash) issuer (Issuer). ) (200") to the financial institution corresponding to the payment (④), and the point (ICKash) issuer (200") verifies the authenticity of the point (ICKash), and then pays the card slip to the card slip acquirer 420 (⑤), and the card slip acquirer 420 pays the price to the payment provider 410 (⑥), and the payment provider 410 pays the price to the affiliate server again ( ⑦), it is characterized in that a separate authentication authority (ICKash CA) 430 can perform authentication again between the customer's card 501 or mobile terminal 502 and the affiliate server.

As described above, according to the present invention, the loyalty points according to the integrated loyalty management system and method of the present invention are liquidity that retains its own value, unchanging continuity of value over time, and transferable to a third party according to the owner's will. It will have transferability, anonymity, interoperability that can be exchanged with other currencies, security that prevents forgery and alteration, and economic feasibility that minimizes additional costs.

Moreover, by using it in a smart card, electronic money with anonymity, transferability, security, and economy is possible, and by applying a royalty pool by authorized financial institutions, electronic money with liquidity, continuity, and economy is possible while , It is possible to form a market by setting independent policies, and in addition, it is possible to form a market that accepts individual/integrated royalties, form a market that can manage independent customers (smart card, mobile), and promote scalability by interoperability. there is.

In addition, additional features and advantages of the present invention will become more apparent through the following description.

1 is a schematic block diagram showing how various subjects of the first prior art are connected to the Internet network.
FIG. 2 is a schematic diagram showing a procedure for providing mileage to a user who purchases a product by purchasing mileage from an integrated mileage management server in the first prior art website of FIG. 1 .
FIG. 3 is a schematic diagram showing a procedure when an Internet user uses mileage provided from the website of the first prior art of FIG. 1 when purchasing a product.
Figure 4 is a schematic block diagram of a centralized royalty integrated management system of the second prior art.
5 is a schematic block diagram of an integrated royalty management system according to a first embodiment of the present invention.
Figure 6 is a block diagram for explaining the payment guarantee of the integrated royalty management system according to the first embodiment of the present invention.
7 is a schematic block diagram of a network type royalty integrated management system of the integrated royalty management system according to the first embodiment of the present invention.
8 is a block diagram showing the flow of loyalty points of the integrated loyalty management system according to the first embodiment of the present invention.
9 is a schematic diagram for explaining the concept of a payment pool of an integrated loyalty management system according to a second embodiment of the present invention.
10 is a schematic diagram for explaining a case in which the integrated loyalty management system according to the second embodiment of the present invention is applied to a membership card.
11 is a schematic diagram for explaining a case in which the integrated loyalty management system according to the second embodiment of the present invention is applied to electronic money.
12 is a schematic diagram for explaining a payment process in the royalty integrated management method according to a modification of the second embodiment of the present invention.
13 is an example of a configuration for Internet connection of an integrated royalty management system according to the present invention.
14 is a schematic diagram for explaining matters related to the security of the integrated loyalty management system according to the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the drawings.

In this specification, the examples and embodiments described below are to be considered as illustrative and not restrictive, and the invention is not limited to the details given herein, but is substituted and equivalent within the scope and equivalent of the appended claims. may be changed to an example.

5 is a schematic block diagram of an integrated royalty management system according to the first embodiment of the present invention, and FIG. 6 is a block diagram for explaining payment guarantee of the integrated royalty management system according to the first embodiment of the present invention. 7 is a schematic block diagram of a network-type royalty integrated management system of the royalty integrated management system according to the first embodiment of the present invention, while FIG. 8 is a royalty integration according to the first embodiment of the present invention. It is a configuration diagram showing the flow of loyalty points in the management system.

On the other hand, Figure 9 is a schematic diagram for explaining the concept of a payment pool of the integrated loyalty management system according to the second embodiment of the present invention, Figure 10 is a royalty integration according to the second embodiment of the present invention 11 is a schematic diagram for explaining a case in which the management system is applied to a membership card, and FIG. 11 is a schematic diagram for explaining a case in which the integrated royalty management system according to the second embodiment of the present invention is applied to electronic money. It is a schematic diagram for explaining the payment process in the royalty integration management method according to the modification of the second embodiment of.

13 is an example of a configuration for Internet connection of the integrated royalty management system according to the present invention, and FIG. 14 is a schematic diagram for explaining matters related to security of the integrated royalty management system according to the present invention.

First, the integrated royalty management system and method of the first embodiment of the present invention will be described with reference to FIGS. 5 to 8 .

The greatest feature of the system of the present invention is that the loyalty integration management server 100, also called an operator, manages loyalty points of each affiliate 300. That is, when each affiliate grants loyalty points to each customer 500 according to its own policy and/or each customer purchases a product or service with points, the loyalty integrated management server assigns points to be granted to the customer. (100), and/or points received instead of cash from customers are notified to the loyalty integrated management server (100).

In the system of the present invention, all affiliates are not obliged to give a certain portion of sales as points, and if the customer wishes, they are not forced to calculate a certain portion of sales as points. The point is that the policy can be taken freely so that the customer can only grant a point, and conversely, the customer can only calculate it with points if desired without giving a point, and a point integrated management system such as the conventional 'OK Cashback'. is the biggest difference between Therefore, a service provider 300' affiliated only for the purpose of providing services to customers and purchasing customer points without giving points to customers can also sign up as a member, and since the freedom of this policy is secured, the service There is no practical benefit to separate the provider 300' from the normal affiliate 300.

This is because, when the loyalty integrated management server 100 of the present invention grants a point, it is premised on the fact that the amount of money corresponding to the actual value of the point must be paid in advance in real currency. Therefore, to guarantee this, The royalty integrated management server 100 actually deposits the corresponding amount of money to an insurance company, a bank or a securities company in advance or makes a payment guarantee with an insurance policy. The subject of such payment guarantee is represented as a royalty pool (200).

6 and 7 are schematic diagrams of the flow of depositing these points as points or electronic money in the customer 500's Internet account, card 501, and/or mobile terminal 502, and paying on/offline. As shown in , when a customer makes a payment at the affiliate 300 offline with a card 501 and/or a mobile terminal 502 or electronically through an online affiliate B, the affiliate 300 This is notified to the royalty integrated management server 100 of the present invention, such as a central service company, and the loyalty integrated management server 100 corresponds to the value of points or electronic money paid for the loyalty pool 200 such as a bank. Therefore, the royalty pool 200 actually pays or offsets cash to the affiliate 300.

The above loyalty points, especially in FIG. 6 , can be implemented in an electronic money method, and the customer 500 can immediately cash in the loyalty points contained in his/her card 501 or mobile terminal 502 .

For reference, it is preferable that each affiliate 300 secures its own customer DB 350, and the integrated loyalty management server 100 also builds an integrated customer DB and an integrated point management server.

And, as shown in FIG. 7, this integrated management loyalty point is named 'ICKash' in this specification. , Customers can obtain, spend, and transfer points without registering as members on various sites (affiliates) using safe and convenient smart cards or smartphones, and 2) Aiming for independence of loyalty policy, affiliates have their own royalty Alternatively, it is possible to freely select integrated royalty, independently determine policies according to affiliates, and 3) become a true partner of success that can achieve win-win with affiliates. In other words, affiliates can operate a customer compensation system through 'ICKash' without a separate system and manpower to secure new customers and prevent existing customers from leaving, and 'ICKash' member pool without leakage of member information. can be jointly used for marketing, and more realistic services can be provided to members through the loyalty solution of 'ICKash', while various additional effects such as various fee reductions and joint profit projects can be provided for affiliates.

Now, the flow of loyalty points of the integrated loyalty management system according to the first embodiment of the present invention will be described in detail with reference to FIG. 8 .

First, the flow of point issuance (acquisition) will be explained with a blue solid arrow, information that the affiliate 300 will purchase a certain amount of points (ICKash) through the loyalty integrated management server 100 ('ICKash' system) When requesting point purchase while transmitting (①) and depositing an amount equivalent to the value of such points in the royalty pool 200 (②), the royalty pool 200 transfers the deposit result information to the royalty integrated management server 100 While transmitting, it guarantees payment (③), and the integrated loyalty management server 100 approves the issuance of loyalty points to the affiliate 300 (④), and each affiliate secures a certain point in advance and has While there, when the customer 300 wants to acquire points while purchasing a product or responding to an event (⑤), a certain amount of points is given to the customer (⑥). And, of course, these points can also be used as virtual accounts, but they can also be stored in the form of electronic money in the membership card 501 or the mobile terminal 502.

Now, the flow of point consumption will be explained with reference to the red dotted line arrow. When a customer 500 requests payment with points while purchasing a product or service from an affiliate 300 (①), the affiliate will receive the point information received from the customer. While sending to the loyalty integrated management server 100, a request for conversion into cash is requested (②), and the loyalty integrated management server 100 verifies the authenticity through such loyalty points (ICKash) authentication, and then the royalty pool 200 Cash payment is requested (③), and the royalty pool 200 pays the corresponding amount to the affiliate from the pre-deposited cash (④).

Therefore, since the loyalty points in the present invention are used identically to cash, any customer can freely use them like cash, and affiliates can freely determine the grant or purchase policy of these points to suit their business patterns. It is also possible to hold events while securing, which is a mutual win-win for everyone.

Table 1 summarizes the differences between the 'ICKash' system of the present invention and other integrated point systems (eg OK Cashback).

division ICKash system of the present invention other point systems network type
vs
centralized Guaranteed independence of affiliates
Payment without member information registration
Access and move to any affiliate site Subordinate type where members are concentrated around the point site
Request to provide member personal information to point users
Access and movement through the point site cash nature
vs
simple point Value guarantee type in which cash equivalent to points is deposited in a bank
Distribution that can be obtained and used from any affiliate
Split payment, mixed payment with other payment methods, transferable No institutional or technical device to guarantee value

There are many restrictions on accumulation and use
Restriction on minimum amount, non-mixed payment, non-transferable High Tech
vs
Low Tech Implementation of perfect security technology as a security specialist
Three-dimensional marketing solution using electronic wallet technology
Possession of related technologies such as IC card, real-time search of heterogeneous DB, etc. Low confidence in security

Limitations of the existing flat marketing

Limited scalability due to lack of related technology

Meanwhile, the integrated royalty management system 400 and the integrated royalty management method in the system according to the second embodiment of the present invention will be described with reference to FIGS. 9 to 12 .

Unlike other loyalty programs, the ICKash of the present invention guarantees the storage value of loyalty points and is responsible for issuance and purchase, so customers have a wider range of choices in storage and use, and as electronic money As it contains functions, it can be safely used on the On/Off line.

First, as shown in FIG. 9, when a customer 500 purchases a product or service from an affiliate 300's site, while submitting order information (①), he/she wants to pay with points (ICKash), the payment settlement operator (PG: When payment instruction information is sent to the Payment Gateway) 410 (②), the payment settlement operator 410 requests the purchase of the slip from the card slip acquirer 420 (③), and the card slip acquirer 420 As an issuer of ICKash, a payment is made to a financial institution corresponding to the royalty pool (200) (④). Accordingly, the royalty pool 200 verifies the authenticity of the ICKash, and then pays the affiliate 300 (⑤). At this time, a separate authentication authority (ICKash CA) 430 enables authentication between the customer 500 and the affiliated company 300.

10 shows that when the above ICKash is used online, in order to overcome various security problems that may occur online, a multifunctional smart card and a smartphone are adopted, through which offline payment, loyalty information, credit card, etc. This is an example of enabling membership card operation with the function of

As shown by the red dotted line arrow in FIG. 10, when a customer makes a payment with a card 501 or a mobile terminal 502 at an offline affiliate 300 and wants to pay with points (①), the affiliate sends the card slip. The acquirer 420 is requested to purchase the slip (②), and the card slip acquirer 420 makes a claim to the financial institution corresponding to the royalty pool 200 (③), and the royalty pool 200 After confirming the authenticity of the ICKash, the payment is made to the affiliate 300 (④).

In addition, FIG. 11 illustrates a case in which the above loyalty points are implemented in an electronic money method, and the customer transfers loyalty points contained in his or her card 501 or mobile terminal 502 in the same manner as in FIG. 10. , can be immediately cashed out.

Furthermore, as shown in FIG. 12, as a modification of the second embodiment, a method in which authentication is further strengthened is also possible, and a customer can use a card 501 or a mobile terminal 502 at a site of an arbitrary e-commerce operator 300". When a product or service is purchased and order information is submitted (①), and payment instruction information is sent to the payment settlement operator (PG) 410 (②), saying that payment with points (ICKash) is desired (②), the payment settlement operator 410 sends the card The purchase of the slip is requested to the Acquirer (420) (③), and the card slip acquirer (420) bills the financial institution corresponding to the issuer (Issuer) of ICKash (200") (④). Accordingly, the ICKash issuer 200" confirms the authenticity of the ICKash, and then pays the price to the card slip acquirer 420 (⑤), and the card slip acquirer 420 transfers the price to the payment settlement operator 410. (⑥), and the payment settlement service provider 410 pays the price to the e-commerce service provider 300" again (⑦). Also, a separate certification authority (ICKash CA) 430 allows authentication between the customers 501 and 502 and the affiliate 300 to be performed again.

At this time, as the resources of the configuration for Internet connection of the integrated loyalty management system 400, as shown in FIG. 13, ① an IC card possessed by the customer, ② a service provider installed in an affiliate, and ③ It consists of three components of a service provider located in the ICKash system.

Finally, Figure 14 is a schematic diagram for explaining matters related to the security of the integrated royalty management system according to the present invention. The system of the present invention adopts a security method through an encryption and electronic signature method suitable for all systems as an electronic money approach. For specific types of security and solutions, things like <Table 2> are required.

type of security Resolution Identity & Authentication
(user authentication) Challenge using ID & Password & D Key Confidentiality
(confidentiality) Encryption using Session Key Integrity
(integrity) Message Hash Non-repudiation
(non-repudiation) Using Digital Signatures in Ordering Information Anti-Replication & Double spending
(copy protection) Nonce

Although the present invention has been described in detail above, the present invention is not limited to specific examples. Those skilled in the art to which the present invention pertains will understand that many variations and modifications can be made without departing from the spirit of the present invention.

100: Royalty integrated management server
200: Royalty Pool
300: Affiliate (affiliate) 300': Service provider
350: Customer DB
400: Loyalty Integrated Management System 410: Payment Provider (PG)
420: Card slip acquirer (Acquirer) 430: Certification authority (CA)
500: customer 501: card
502: mobile terminal

Claims (3)

A plurality of affiliate servers 300 that build a customer DB 350 in which information on each customer 500 is built; a loyalty integrated management system 400 communicating with the affiliate server 300 and managing loyalty points to customers of the plurality of affiliate servers 300; and a royalty pool 200 that communicates with the integrated loyalty management system 400 and the affiliate server 300 and permits issuance and refund of the loyalty points. Including, but each of the plurality of affiliate servers should grant loyalty points to their respective customers 500 according to their respective policies, and when each customer purchases a product or service with loyalty points, grant the loyalty points to the customer. Points to be used are notified to the loyalty integrated management system 400, and the points paid instead of cash from customers are notified to the loyalty integrated management system 400 and the loyalty pool 200 to be converted into cash, and the loyalty integrated management system 400 Integrated royalty management in the integrated royalty management system, characterized by consisting of a payment gateway (PG) (410), an acquirer (420), and a certification authority (ICKash CA) (430) As a method,
While the affiliate server transmits information to purchase a certain amount of loyalty points to the loyalty integrated management system 400 and requests the purchase of loyalty points (①), depositing an amount equivalent to the value of such points in the loyalty pool 200 Step (②);
The royalty pool 200 transmits deposit result information to the royalty integrated management system 400 while guaranteeing payment (③);
The integrated loyalty management system 400 approves the issuance of loyalty points to the affiliate server (④); and
The affiliate server secures and holds certain points in advance, and grants a certain amount of points to the customer when the customer 300 wants to acquire points while purchasing a product or responding to an event (⑤) (⑥);
Including,
When a customer (500) sends order information (①) when purchasing a product or service from an affiliate's site, and wants to pay with points (ICKash), he sends payment instruction information to the payment gateway (PG: Payment Gateway) (410). (②), the payment settlement operator 410 requests the purchase of slips from the card slip acquirer 420 (③), and the card slip acquirer 420 is a point (ICKash) issuer and in the royalty pool 200 Payment is made to the corresponding financial institution (④), and the loyalty pool 200 verifies the authenticity of the points (ICKash), and then pays the payment to the affiliate server (⑤), and the authentication institution (ICKash Loyalty integrated management method characterized in that the CA) (430) can perform authentication between the customer (500) and the affiliate server. A plurality of affiliate servers 300 that build a customer DB 350 in which information on each customer 500 is built; a loyalty integrated management system 400 communicating with the affiliate server 300 and managing loyalty points to customers of the plurality of affiliate servers 300; and a royalty pool 200 that communicates with the integrated loyalty management system 400 and the affiliate server 300 and permits issuance and refund of the loyalty points. Including, but each of the plurality of affiliate servers should grant loyalty points to their respective customers 500 according to their respective policies, and when each customer purchases a product or service with loyalty points, grant the loyalty points to the customer. Points to be used are notified to the loyalty integrated management system 400, and the points paid instead of cash from customers are notified to the loyalty integrated management system 400 and the loyalty pool 200 to be converted into cash, and the loyalty integrated management system 400 Integrated royalty management in the integrated royalty management system, characterized by consisting of a payment gateway (PG) (410), an acquirer (420), and a certification authority (ICKash CA) (430) As a method,
While the affiliate server transmits information to purchase a certain amount of loyalty points to the loyalty integrated management system 400 and requests the purchase of loyalty points (①), depositing an amount equivalent to the value of such points in the loyalty pool 200 Step (②);
The royalty pool 200 transmits deposit result information to the royalty integrated management system 400 while guaranteeing payment (③);
The integrated loyalty management system 400 approves issuance of loyalty points to the affiliate server (④); and
The affiliate server secures and holds certain points in advance, and grants a certain amount of points to the customer when the customer 300 wants to acquire points while purchasing a product or responding to an event (⑤) (⑥);
Including,
When a customer purchases a product or service from an affiliate's site with a card (501) or mobile terminal (502), the customer submits order information (①), wants to pay with points (ICKash), and the payment gateway (PG: Payment Gateway) ( When payment instruction information is sent to 410) (②), the payment settlement operator 410 requests the purchase of the slip to the card slip acquirer 420 (③), and the card slip acquirer 420 receives points (ICKash) The issuer and the financial institution corresponding to the royalty pool 200 are billed (④), and the royalty pool 200 verifies the authenticity of the points (ICKash), and then pays the payment to the affiliate server ( ⑤), Loyalty integration management method characterized in that the authentication authority (ICKash CA) 430 can perform authentication between the customer 500 and the affiliate server. A plurality of affiliate servers (300, 300") that build a customer DB (350) in which information on each customer (500) is built; communicates with the affiliate server and manages loyalty points to customers of the plurality of affiliate servers an integrated loyalty management system (400) that communicates with the integrated loyalty management system (400) and the affiliate server and allows the issuance and refund of the loyalty points (200, 200"); Including, but each of the plurality of affiliate servers should grant loyalty points to their respective customers 500 according to their respective policies, and when each customer purchases a product or service with loyalty points, grant the loyalty points to the customer. Points to be used are notified to the integrated loyalty management system 400, and the points paid instead of cash from customers are notified to the integrated loyalty management system 400 and the loyalty pool to be converted into cash, and the integrated loyalty management system 400 makes payment As an integrated royalty management method in a royalty integrated management system, characterized in that it consists of a business operator (PG: Payment Gateway) 410, a card slip acquirer 420, and a certification authority (ICKash CA) 430,
The step of depositing an amount equivalent to the value of such points in the loyalty pool while the affiliate server transmits information to purchase a certain amount of loyalty points to the loyalty integrated management system 400 and requests purchase of loyalty points (①). );
The royalty pool provides payment guarantee while transmitting deposit result information to the royalty integrated management system 400 (③);
The integrated loyalty management system 400 approves the issuance of loyalty points to the affiliate server (④); and
The affiliate server secures and holds certain points in advance, and grants a certain amount of points to the customer when the customer 300 wants to acquire points while purchasing a product or responding to an event (⑤) (⑥);
Including,
When a customer purchases a product or service from an affiliate's website with a card (501) or a mobile terminal (502) and submits order information (①), the customer wants to pay with points (ICKash) to the payment provider (PG) (410). When the payment instruction information is sent (②), the payment settlement operator 410 requests the purchase of the slip from the card slip acquirer 420 (③), and the card slip acquirer 420 issues the point (ICKash) issuer (Issuer). ) (200") to the financial institution corresponding to the payment (④), and the point (ICKash) issuer (200") verifies the authenticity of the point (ICKash), and then pays the card slip to the card slip acquirer 420 (⑤), and the card slip acquirer 420 pays the price to the payment provider 410 (⑥), and the payment provider 410 pays the price to the affiliate server again ( ⑦), a separate authentication authority (ICKash CA) 430 allows the customer's card 501 or mobile terminal 502 to re-authenticate between the affiliate server and the loyalty integrated management method.

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