KR20000054845A - The organizing and the operating method of Point Trading Agent System - Google Patents

Abstract

PURPOSE: A method for constructing and managing point dealing agency system for a point dealing is provided so that a point dealing between the customers can be performed by providing a point storage server. CONSTITUTION: A method for constructing and managing point dealing agency system for a point dealing includes several steps. A step is that a customer connects to the dealing agency (100) (S0). After log-in as a member, the member can see and search the point dealing items in the dealing agency (100) (S2). Thereafter, a step is that the member selects an item for registration (S3). If the member selects any one point item, a dealing processing screen is output on the screen of the user's computer (S4). To deal point items, the user can selects buy and selling menus (S9). If the member wants to deal, a step is that an ID and a password are inputted to the server for providing points (S10b). Thereafter, the member can buy or sell the point of the corresponding point providing company.

Description

{The organizing and the operating method of Point Trading Agent System}

The present invention relates to a method of constructing and operating a point trading intermediation system that enables trading between customers of various bonus points or mileage systems provided by a company for customer management.

Many companies offer points or mileage benefits (hereinafter referred to as "points") to increase customer loyalty and encourage the continued use of their products or services. The point that is increased by the purchase of goods or the use of services is characterized by the exchange of value in the form of free gifts or cash periodically or as an event when a certain score is reached in the company. Of course, the company is trying to reduce the expected marketing costs by paying free gifts or cash when a certain standard is reached, because it is difficult to induce continuous purchase by paying a free gift or cash whenever a point occurs.

For example, in companies A and B, where the purchase amount of goods is 1 point per 10,000 points, how is A company paying a free gift worth 100,000 won when it reaches 100 points, and company B paying a free gift worth 10,000 won every 10 points? It seems that the same costs are paid. However, assuming that the period of time until 1 point is accumulated is 1 day, the period of up to 10 points is 10 days and the period of up to 100 points is 100 days. As a result, the difference between the cost of 10,000 won for every 10 days and the cost of 100,000 won for every 100 days has the effect of being suspended from the company for 100 days of cash for 100 days. . In addition, assuming that there are no additional purchases after the customer earns 25 points, Firm B will spend 20,000 won worth of free gifts, but Firm A will not have any costs yet, so that he can withhold cash. Moreover, Firm A is more likely to induce psychological purchasing desires because customers have to earn an additional 75 points to receive the free gift.

But from the customer's point of view, the opposite psychological needs can arise. There is an expectation that customers who buy the goods of Entity B can immediately get a gift worth 10,000 won for every 10 points. On the other hand, a customer who purchases a company's product may hesitate to purchase or deviate from the prospective customer due to the psychological notion of 100 points.

In this case, Company B is more likely to deal with short-term customers, and Company A is more likely to deal with long-term customers. Depending on the type and nature of the product, companies will have different marketing methods.

Meanwhile, as shown in Table 1, one customer is dealing with several companies. Therefore, customers have points provided by each company, and there are points that can be exchanged for necessary values such as free gifts or cash and points that are not. For example, suppose that Company 1 conducts a point event that offers a different gift for every 1,000 points. A customer who has 2,500 points or more points from that company may spend 1,000 points twice, or use 2,000 points. It may be.

division Customer A Customer B Remarks Company1 2,500 points 500 points Giveaway every 1,000 points 2 200 points 450 points Giveaway every 500 points

However, if Customer A offers a satisfactory free gift at 3,000 points, Customer A may choose an unsatisfactory free gift or wait until it is able to receive a satisfactory free gift. However, for Customer A, it is impossible to know when such an opportunity will come and whether or not they will be able to find a free gift. That's why it's possible to pick up unwanted giveaways and stop using points.

On the other hand, Customer B, who has 500 points, will not receive any benefits at the company's point event. Here, if customer A receives 500 points from customer B and pays the corresponding price, customer A's satisfaction and customer B's satisfaction increase equally. However, it is impossible to satisfy all customers because the conventional method cannot measure each other's costs and the company cannot broker them in any way.

Thus, customers A and B make two choices, comparing the cost of increasing points with the amount of benefits over time: 1) If the firm feels that the free gift benefits are greater than the cost of earning points, If you feel that the cost of acquiring points is greater, you will choose to stop further purchases.

On the other hand, if Firm 2, which deals with the same product, decided to offer a benefit every 500 points, the customer B would like to increase the benefits offered by Firm 2 with a strategy of increasing the points slightly. Customer B is more likely to purchase products from Firms 1 and 2. On the other hand, since the customer A has fewer points provided by the company 2 than the points that can be benefited, the customer A becomes more likely to gain by exchanging points he has obtained with other values than by purchasing the product of the company 2.

Due to this inconvenience, customers have a desire to exchange each other for as many points as they need, and a system is needed to solve this problem.

To alleviate this inconvenience, companies can support the exchange of points. As shown in Fig. 2, the customer A of a company that has a point system for providing a bonus point or mileage to a customer who purchases a product or service (203, 205) (204, 206) is a customer of the same company. It is provided to B 201, and in return, other value exchange means are secured. The customer B can secure the points he / she wants to obtain by providing the customer A with the means of value exchange (202).

However, an entity would have to buy points from customers who would like to sell them and pay in cash, electronic money or otherwise. On the other hand, customers who want to buy points should pay cash or electronic money in return. In this case, the company directly buys and sells the points, which results in the effect of the points being circulated like cash, and the cost goes against the original point system. In addition, the customer's point of view of the point that the company directly buys and sells a strong disadvantage can act.

To solve this, we can consider having a broker who can buy and sell points on behalf of the company as shown in FIG. The intermediary is to commit exchange rates for the company and the points and broker the points exchange between customers based on this exchange rate. The intermediary receives the member's details about the points from the company (301) and notifies the change details after the brokering transaction (302) to match the data on the changes of the points. The difference between the selling amount and the buying amount of the points is settled with the company to match the supply and demand of the points. In such a case, if the purchase amount of the point of the intermediary is larger than the selling amount, there is also a disadvantage that the company pays additional marketing costs as the company pays the cost of buying the points.

In order to overcome the problems of the conventional technology as described above, there is a need for a method that can achieve a desired effect without incurring additional marketing costs in a company.

In the present invention, in order to facilitate the exchange of points between customers in the company that implements the point system, it is possible to measure the value or value corresponding to the points and to easily find the counterparties for the exchange of points. The purpose is to provide value.

In addition, from the point of view of the company using the point system, it is intended to devise a way to allow members to participate in private banking companies by allowing them to move between points without accumulating the royalties of members without incurring additional marketing costs for the exchange of points. do.

In addition, to solve the problem of how to effectively and effectively solve the security problem with the server for the point storage server that is currently built independently of each company, to prepare a solution to smoothly solve this problem.

1 is a schematic configuration diagram of a point trading intermediation system according to the present invention

2 is a conceptual diagram for providing and exchanging points

3 is a conceptual diagram of an intermediary for brokering points

4 is a block diagram of a point trading brokerage system according to the present invention

Figure 5a is a flow chart according to the new subscription of the operating method of the point trading brokerage system

Figure 5b is a flow chart according to the transaction of the existing subscriber in the operating method of the system

6 is a flowchart of an operating system and method of the system according to the present invention.

7 is a flowchart of a security method used in a system according to the present invention.

8 is a configuration example of an encrypted document used in a system according to the present invention.

* Explanation of symbols on the main parts of the drawings

100: point trading brokerage system, 200: electronic money system

In order to achieve the above object, the present invention searches for a purchase order and a purchase order in the point transaction between customers, and brokers the price condition if the price condition is met, and uses the electronic money in exchange for mutual exchange (hereinafter referred to as "system"). Build).

First, the terms used in the present specification are summarized as follows.

* Points: Bonus Points or Miles provided by the Company to Customers

* Exchange: Point exchange where brokerage system for point trading is installed

* System: Point trading brokerage system

* Electronic money system: A system that enables deposit and withdrawal to operate electronic money

* Account: Account in which an individual member holds electronic money operated by the exchange

Listing: The act of registering a point system by a company in order to trade on the exchange.

* Event: Point system

* Listed items: Point system listed on the exchange

* Registration: Individuals access the company to which they are subscribed to trade their points, enter their ID and password, and issue certificates to install them in the system

* Registration item: The item registered by the individual on the exchange

* Member Authentication: The act of distinguishing registered member by ID and password

* Certificate: An electronic key or document issued by a registered member to prove himself

Basically, to build a system, we need a DB system for membership management, a DB system for points, and an electronic money system for paying exchanges.

The system according to the present invention may be installed in an individual company as shown in FIG. 2, or may be installed by an intermediary as shown in FIG. However, in order to install a system as shown in Figs. 2 and 3 in an individual company, the exchange value should be given in the form of electronic money, which can be used in the same manner as cash. As a result, the marketing costs are not consistent with the original purpose of using the point system.

Therefore, in order to create a device that can be appropriately exchanged while inviting a customer's continuous purchase desire as a point is provided, an exchange that can trade it is required.

Accordingly, in the present invention, by devising a point exchange (hereinafter referred to as an "exchange") where individuals who want to exchange points, the present invention intends to provide a way to meet the needs of companies and also to meet the needs of individuals.

As shown in FIG. 4, the exchange according to the present invention is characterized by a system in which a server and an intermediary server of each company are connected. In addition, the electronic money system 200 should be provided for the mediation of values.

The company exchanges information about members between the server that manages the points and the brokerage server of the exchange (301, 302) so that the change of the points of the members can be exchanged with each other. At this time, the transmission of the details is encrypted and processed to prepare for hacking or penetration from the outside.

Each company's customers can register as members on the exchange and register their points earned from the company to respond to sell or buy orders. Customer A of company 501 places a sell order on the exchange (303) and waits for the order to be concluded. If customer B wants to buy, connect and place a purchase order (305) and wait for the result, the exchange server retrieves and compares the order information of customer A and customer B, and if the condition is matched, concludes the transaction and returns the sale result to customer A. 304, the customer B (306) is informed of the purchase result. The customer checks the balance in the electronic account and maintains the balance through deposit and withdrawal (320).

When the result is processed, the exchange server stores and reflects the point increase / decrease status according to the transaction in the server of the enterprise 501 (301), and the bank transfer processing between the corresponding customers in the electronic money system (310).

5A shows a process in which an individual customer accesses and processes up to a point transaction. Connecting to the point exchange 100 (S0) and indicating whether the individual customer is a member of the exchange (S1); If the member is allowed to log in, if not the member requesting member registration (S1a); When the member logs in, the point items listed on the exchange can be displayed and searched (S2), allowing the user to select an item to register (S3); If the member selects any one of the points, entering the transaction progress screen and showing the current transaction status (S4); You will be able to see your point score or balance of your electronic money account ("Account"), and you will see a screen where you can view the status of your stock trading (S8). S9); If the member wants to trade, check whether the item is registered (S10), and if not registered, moving to the registration application screen (S10a); If not registered to access the server of the point providing company in order to register the step of inputting the ID and password provided by the company (S10b); At this time, the step (S10c) that indicates that the company can not access unless the member registration; Step (S10e) to open a connection page of the company in order to register the company; If the member is registered, the ID and password to access the point providing server of the corresponding company is issued a certificate, showing the points held by them and completing the registration (S10d); Inputting a quantity of points and a desired amount of money in order to input a sell or buy order in a state where registration is completed (S11); Comparing the amount of points entered and the amount of points held when the order is sold, and comparing the desired amount of money with the account balance when the order is bought (S12); If the number of points desired to sell is greater than the amount held or the amount desired to buy is greater than the account balance, indicating that the balance is insufficient and allowing the user to input the order again (S12a); If the order is normal to show that the registration and showing the stock trading status (S13); Comparing the order history in real time (S14a) and finding a sell order and a purchase order that match the amount condition (S14); If the conditions are matched (S15) to conclude a transaction with a smaller quantity of the selling quantity and the purchase quantity; Checking if there is an order remaining and if there is an order remaining, sending the above condition search again (S16); Saving the concluded transaction (S17) and sends and stores the data to the DB of the company (S18).

In the above step (S11), when the desired amount is entered, the final trading price of the corresponding item is calculated, and the price fluctuation limit of 20-30% can be applied to prevent the indiscriminate price exchange. have. In addition, for security (S18) it is possible to send and receive data by using encryption techniques.

In the above process, the existing member making a transaction is more simply processed as shown in FIG. 5B. Authentication step (S4) for the member to access and enter the username and password; Selecting the inquiry of the registered item registered by the user after the login (S5); When the registration item inquiry automatically connects to the enterprise server (S10b) and submits a previously generated certificate (S10g) step of showing the list of the registered item to his point of inquiry (S10d) (S7); If the item is selected, the screen goes to the item trading screen (S8), and the subsequent steps are performed in the same manner as the above process (S11 to S18).

At the time of member authentication (S10g), the certificate issued previously remains on the server and is operated by a system that is automatically connected when the authentication number is entered. Therefore, even if it is not your own terminal, if you remember the authentication number, you can connect from anywhere and make a transaction.

An embodiment of the system according to the present invention will be described in detail with reference to FIG.

① Listing of companies providing points (S21)

The company providing the points first decides to register their point system, and if they wish to register, they apply to the system. Upon receipt of the registration application, the administrator who operates the system will set the initial transaction price of the company, which will be set in terms of the value of points per point compared to the existing free gift benefits or evaluated by the company.

② System installation and integration (S22)

There is a system installation and integration work for real-time connection between the company's point system and the system according to the present invention. This is to define the rules on how to process between systems to process the inquiry of points, the recording of changes, etc. in real time or on a daily basis.

③ System registration of the point customer of the company (S23)

Once a company has registered, the customers of that registered company can trade. Customers who wish to make a transaction must sign up for the system and will be treated separately from the registered company's customers.

④ Registration of customer's item (S24)

Customers who have registered as members (hereinafter referred to as "members") must register the items for the registered company and enter the password (or ID and password) to the company. If you are not a member, you must register for a new membership with the company.

⑤ Account inquiry (S25)

Members can check their electronic money balances in their accounts. Electronic money shall be exchanged and used by this electronic money system.

⑥ Sell, buy order registration (S26)

If a member wants to trade points, he or she must place an order on the exchange by placing a sell or buy order. If you place an order that exceeds the point balance and electronic money balance at the time of registration, the order will not be placed. If you want to place a sell order, increase the number of points you want to sell and the price you want to sell. In the case of a buy order, the number of points to be bought and the desired price to buy are raised. The price may be subject to an upper and lower limit compared to the last day's closing price.

⑦ Order History Search (S27)

The system searches the order history and displays the real-time sell / buy order status through the inquiry screen. Sell and Buy orders are registered in real time and can be viewed through the inquiry screen. In addition, it is possible to inquire the flow chart of price changes in the meantime, and also to inquire the reference price.

⑧ Signed an order contract (S28)

The system will enter into a contract if the buy and sell orders meet each other's wishes. At this time, if the purchase quantity is greater than the purchase quantity, the contract is concluded only by the purchase quantity, and if the purchase quantity is greater than the purchase quantity, the contract is concluded by the quantity sold.

⑨ Account Transfer / Point Transfer (S29)

When the contract is concluded, the desired price multiplied by the order quantity is deducted from the buyer's account and transferred to the seller's account, and the seller's points are transferred to the buyer's points by the order quantity.

⑩ Save transaction history (S30)

When the transaction is concluded, the transaction results are inquired on the screen of the seller and the buyer, respectively, and the transaction is stored in the system and sent to the system of the corresponding company for processing. If the results of the contract are updated in real time in the system, both the seller and the buyer can process the transaction several times a day in real time.

In the system according to the present invention in order to solve the security problem as shown in Figure 7 when the member accesses the member company server 501 for the registration of the item after the member registration in the system 100 (710), the ID registered with the member company and Entering 720 a password; Requiring a member to enter a password for authentication in order to generate a certificate in the member company server (730); The member inputting a password for authentication (740); In step 750, the server 501 generates a certificate and sends the certificate to the system 100 for storage. After re-connecting, if the member selects the registration item inquiry, the system 100 inputs a password for authentication to send the certificate to the server 501, and if the password is correct, the certificate is sent to the server 501 so that the point can be queried. do.

In addition, the transaction details are sent and received as encrypted documents as shown in FIG. In more detail, the encrypted document is composed of each of the following parts: (a) Member authentication part: the member's certificate issuance number (810) and certificate password (820) part, (b) member transaction history proof part: selling The member's pre-transaction point 830, post-transaction point 840, the buyer's pre-transaction point 850, post-transaction point 860, (c) encryption key portion 870. The member certification part is the data to prove the transaction of the member who bought the point and the member who bought the point. Member's Pre-Transaction Point-Post-Transaction Point = Buyer's Post-Transaction Point-Pre-Transaction Point), The server checks the transaction by comparing the pre-transaction numbers of Selling Member and Buying Member with previous data. The encryption key part sends a key necessary to encrypt and decrypt such contents, thereby preventing the hacking from the outside or manipulation by hacking.

The problem of procurement of resources required to operate the exchange according to the present invention can be solved as follows.

① Fee

According to the use of the exchange according to the present invention, the trading parties should be charged a transaction fee, there may be a fee according to the transaction, there may be a fee due to the exchange of electronic money. By doing so, it is possible to raise the financial resources necessary to run the exchange.

② Registration Fee

It is possible to finance the operation of the exchange by collecting the costs of registration from a company wishing to be listed (registered) on the exchange according to the present invention.

③ Maintenance fee

The companies listed on the exchange according to the present invention can pay a certain amount of maintenance fee on a monthly basis or on an annual basis in order to keep the listing, so that it is possible to finance the maintenance of the exchange.

④ Marketing / advertising costs

Companies listed on the exchange according to the present invention can provide various marketing information (event information) or advertisements on the screen where their points are traded, and strive to attract members and raise awareness. Companies that want to do this marketing or advertising can pay the marketing or advertising costs accordingly to finance the exchange.

When operating the point exchange according to the present invention, the company operating the point can have a system that allows customers to trade the points with each other, the effect to consider the convenience of the customer and improve the image . In addition, since the company can buy the customer's points, if the point price is lower than the expected marketing cost, it can be used appropriately, to attract the customer's interest in the point. Businesses can take advantage of exchanges at any time, allowing them to be more aggressive in their marketing strategy, and gain a marketing advantage in that point trading is possible compared to companies that can't trade points.

Companies will also be able to properly control the logistics costs incurred by deducting points and offering free gifts, and will not be able to win free gifts with existing points, but will be able to buy free gifts. The customer's satisfaction can be further increased. Eventually, it is possible to satisfy both customers who have given away free gifts or customers who have not given free gifts, thereby increasing the loyalty of the customers.

On the other hand, from the customer's point of view, by investing a certain amount of money to buy the desired points, the quality of the free gifts that can be secured can be improved, so that a user can select the desired free gifts.

For example, if a company that earns 1 point for purchasing a product or service for 1,000 won would give a free gift every 1000 points for a customer, if he decided to provide a washing machine worth 5,000 to 600,000 won from 5,000 points, While customer A who has earned 4500 points for 500 points can be obtained by purchasing an additional 500,000 won worth of goods or services, customer A can purchase for 100 points per point using the exchange according to the present invention. Even if you invest 500,000 won, you will be able to purchase a washing machine worth 50 to 600,000 won even with your own points. In addition, customer B, who sold 500 points for 50000 won, could not participate in private banking company because it could not be 1000 points. .

In this way, a company that can do a private banking company that can satisfy both customer A and customer B will have the opportunity to obtain the effect of two trillion won at the same marketing cost of providing washing machines at 5,000 points as originally planned. In addition, it is possible to continuously promote the point to the customers through the transaction screen, thereby securing a stronger marketing means than marketing by e-mail.

In addition, by adopting the security method according to the present invention, it is possible to avoid risks due to the exposure of the server from the member company's point of view, to secure the evidence for the transaction, it is convenient for verification. Error can be prevented in advance, and even if an error occurs, proof remains, which makes it easier to handle.

Claims (4)

In the point transaction via the Internet according to the present invention, Indicating whether the individual customer accesses the system and is a member of the exchange; Allowing a login if a member and requesting a member registration if the member is not a member; When the member is logged in, the listed items on the exchange can be displayed and searched, and allowing the member to select the registered item; When the member selects any one point item, enters a transaction progress screen and shows a current transaction status; Selecting a sale or a buy if a user can view his / her point score or the balance of the electronic money account, and a screen for viewing the current state of the stock transaction and wish to make a transaction; If the member wants to trade, checking whether the item is registered and moving to the registration application screen if not registered; If not registered to access the server of the point provider company in order to register the step of entering the ID and password provided by the company; Indicating that access is not possible if the company is not registered; Displaying a connection page of the company in order to register with the company; If the member is registered, the user accesses the point providing server of the corresponding company by inserting the ID and password, the certificate is issued and shows the points held by the user and completes the registration; Inputting a point quantity and a desired amount of money in order to input a sell or buy order in a state where registration is completed; Comparing the amount of points entered and the amount of points held when the order is sold, and comparing the desired amount and the account balance with the inputted amount when the order is bought; If the quantity of desired selling points is greater than the quantity held or the quantity desired to buy is greater than the account balance, indicating that the balance is insufficient and allowing the user to input the order again; If the order is normal to show that the registration and showing the status of stock trading; Comparing and searching the order history in real time to find a buy order and a buy order that match the price condition; When the conditions match, closing the transaction with a smaller quantity of the selling quantity and the buying quantity; Checking if there is an order remaining and if there is an order remaining, sending the above condition search again; How to operate the point exchange brokerage system that is constructed and operated by storing the concluded transaction details and transmitting and storing the data to the company's DB The method of claim 1, Inputting an ID and password when a member accesses the member company server from the system to secure security between the point exchange system and the member company server; Requesting a member to input a password for authentication to issue a certificate in a member company server; When the member inputs a password for authentication, storing the certificate generated by the member company server in the system; Security method for point transaction brokerage system comprising inputting a password for authentication to submit a certificate upon reconnection and approving the connection between the member company server and the system. The method of claim 2, Member authentication portion consisting of the certificate issuance number and the authentication password of the member to sell and buy; Proof of member transaction history consisting of before and after trading points of the selling member and before and after trading points of the buying member; A method for securing point transaction intermediation system by transferring encrypted documents in the transaction history between the system and the server made up of the encryption key part. The method of claim 1, In order to secure financial resources to maintain the point exchange system, the method of securing financial resources through income from fees, registration fees, maintenance fees, marketing and advertising costs as in the example above