KR20010067674A - Accumulating card managing method using networks - Google Patents

Abstract

PURPOSE: An accumulation type card operation method is provided to accumulate a regular ratio of a purchase amount for a member and a common fund for all the members whenever a member purchases a commodity at an affiliated store, and to pay back the common fund to the members by holding a lottery. CONSTITUTION: The method comprises steps of a member purchasing a commodity at an affiliated store or an affiliated online shopping mall(201,202,250,251), a card issue company accumulating a regular ratio of the purchase amount for the member(205,254), the affiliated store depositing a regular ratio of the purchase amount at a common fund account(206), the member applying a lottery at a terminal of the affiliated store instantly after purchasing a commodity, applying a lottery over the Internet or applying a lottery at a terminal of other affiliated store in the case of an off-line transaction(207-210, 231-240, 208-210), the member applying a lottery by clicking an application button and inputting a secret number, a password, and a lottery application number instantly after purchasing a commodity at an online affiliated shopping mall(252,253,256,257), and the member checking the lottery result on a home page of the card issue company(211).

Description

How to operate credit card using network {ACCUMULATING CARD MANAGING METHOD USING NETWORKS}

The present invention relates to a credit card system, and more specifically, when a card member purchases goods or services at a card merchant, the member not only earns a certain amount of money, but also every member at the merchant for every transaction. By earning a reserve at a certain rate and at the same time allowing members to enter their chosen lucky numbers into the card operator servers on the network, returning the common reserves to the members through a lottery using these lucky numbers at regular intervals, The present invention relates to a method of operating a credit card using a network that can encourage their voluntary participation.

Conventionally, a credit card system for a concept of earning a card for a customer and earning a certain amount of money according to a certain discount rate when the customer who issued the card purchases a product at a card merchant (for example, OK of SK Corporation) Cashbag Card, LG Oil's Bonus Card, etc.) have low expected value due to the small amount of savings at a small discount rate.

In addition, since the advertising and publicity effect of the merchant is small, it is difficult to maintain the continuous interest of members and merchants, and it was difficult to attract new members or merchants.

In addition, the management of the merchants and members of the card company is insufficient, bringing a meeting about the fairness and reliability of the reserve refund, etc. did not lead to active participation of the merchants, there was a problem that causes the members distrust and indifference. These problems can be further exacerbated by voluntary reserve management and refunds.

Korean Patent Laid-Open Publication No. 2000-24648 discloses a method of paying a predetermined bonus to a customer by accumulating a payment amount of a receipt paid to a customer using a store or a store. This method is invented considering the inability to accumulate bonuses in cash payments, but the newness or progressiveness is due to the fact that the credit card is already used as a bonus (or discounted amount) credit card at cash settlement. It is difficult to see the invention as it is, and the gist of the invention is also unclear.

Korean Patent Application Publication No. 2000-49595 discloses a gratuitous score that allows free management of gratuitous points granted after purchasing goods or services using an IC card online or offline. A management method is disclosed. Invention No. 2000-49595 of the invention discloses the reward points provided by each company in different proportions and values, and adds and corrects them to the individual, and when the user requests payment, the accumulated reward points are paid in cash. I give it a point. However, this method has the same problem as the other methods described above in that the criteria for evaluating the gratuitous scores for each company are vague, and the grading of gratuitous scores is only performed for each user.

The present invention has been made to solve the above-described problems of the prior art, the technical problem to be achieved by the present invention is to provide a certain amount of money for each member member at the same time the member makes a transaction at the merchant and at the same time additional burden on the merchant By forming a joint fund, and distributing the joint fund to members by drawing lottery periodically, how to operate the credit card to increase the expectation of the member's use of the credit card, and maximize the customer attraction of the merchant To provide.

Another technical problem to be achieved by the present invention is to provide a credit card operating method that can maintain the fairness and trust between card companies, merchants and members by updating the public reserve in real time whenever a member's transaction occurs to the members.

Another technical problem to be achieved by the present invention is to provide a credit card operating method that can be used at the same time at the same time at the online merchant and offline merchants.

Another technical problem to be achieved by the present invention is to provide a method for operating a credit card that maximizes the advertising and promotion effect of the merchant by allowing members to naturally contact the advertising and promotion of the merchant in the process of participating in the operation of the credit card. have.

1 is a block diagram showing the flow of services and information in the method of operating the credit card using the network according to the present invention.

Figure 2a is a flow chart showing the operating procedure of the earning card operating method using a network according to the present invention.

FIG. 2B is a flowchart illustrating a lottery entry procedure in which a step of linking an affiliated store's homepage automatically moves to an affiliated store's homepage when a member accesses a card operator homepage and performs a lottery entry in FIG. .

Figure 3a illustratively illustrates the configuration of the homepage of the card operator, the operating principal of the earning card operating method using the network according to the present invention.

3b to 3d exemplarily illustrate a screen in which a member accessing a card operator selects and inputs a lottery number directly for a lottery entry.

Figure 3e is an exemplary view showing a screen showing the status of the lottery application of the member on the homepage of the card operator.

Figure 3f is an exemplary view showing a screen showing the status of the member's personal reserve accumulated from the card operator's homepage.

4 exemplarily illustrates a slip issued to a member when a transaction is made at a merchant.

Credit card operating method using a network according to the present invention between the card operator, the member of the car operator and the merchants of the card operator that can be connected by the network, such as the Internet,

(a) depositing a certain percentage of the transaction price online in a common reserve account managed by the card operator each time the member makes a transaction of a product or service at the affiliated store;

(b) accessing the homepage of the card operator and entering a lottery number determined by the member in order to apply for the lottery distribution of the common reserve every time the member makes a transaction of a product or service at the affiliated store; and

(c) determining a public lottery member who is to be allocated the common reserve by using the lottery numbers of the members input in the step (b);

Characterized in that comprises a.

The affiliated store may be selected from offline affiliated stores or online shopping items.

The joint lottery is preferably made in real time relayed to members over the Internet.

(d) It is preferable to further include providing a member card (hereinafter referred to as "card") that can store information such as membership card number and reserves before the step (a) to the member.

(e) In step (a), whenever a member trades a product or service at a member store, a certain percentage of the transaction amount is accumulated online in the joint reserve account, and a certain percentage of the transaction amount is added to the membership card. It is advisable to reserve as a reserve.

(f) Before step (d), the card operator preferably loads and operates a homepage having a menu for applying for affiliated stores, registering for membership, and applying for lottery.

(g) In step (f), the homepage may further include an online shopping mall for affiliated stores.

(h) The affiliated store may access the server of the card operator through the Internet, and the member card number, the slip number, the affiliated store number, the sales amount, the matters related to the personal reserve, the matters related to the joint reserve, It is desirable to have a terminal capable of issuing a voucher containing the current prize money.

(i) In the above (g), in the slip, if the member enters the lottery lottery distribution by entering the lottery number through the terminal at the affiliated store, the lottery number and the lottery date are further described and issued to the member. Do.

(j) the step (b) is a member entering a 7-digit lottery number desired by the merchant immediately after the transaction at the merchant to the transaction; the merchant entered the lottery number and lottery date entered by the member using the terminal Issuing the document described in this; is preferably configured to include.

(k) In step (b), each time a member makes a transaction at a member store, the member card number, merchant number, slip number, sales amount, matters related to personal reserve, matters related to joint reserve and this time through the member's terminal. Issuing a document listing the expected winnings; Access to the homepage of the card operator through a computer at a place other than the member of the merchant who wants to establish a transaction after the transaction; Entering the member card number and password; Entering the merchant number; Entering the document number; Member himself Entering the desired 7 lottery numbers; is preferably configured to include.

In this case, the computer of a place other than the merchant where the transaction is established means a computer that is publicly available, such as a terminal of another merchant other than the merchant where the transaction is made, a computer that the member can personally use, or a PC room.

(l) the step (b), if the member makes a transaction in the online shopping mall, entering a card number after trading a product and paying a product price; entering a password; 7-digit lottery desired by the member himself Entering a number; preferably comprises a configuration.

(m) The card operator's server is provided with a database for storing and managing data on the status of the lottery entry for each member's joint fund allocation, and the lottery entry for the member's joint fund allocation is provided on the card operator's homepage. It is desirable to have a menu that can be read, so that members can check their lottery application at any time.

(n) The card operator's server is provided with a database for storing and managing data on the personal deposit of each member, and the homepage of the card operator is provided with a menu for confirming the member's personal deposit. Therefore, it is desirable to be able to check the status of his / her personal fund.

(o) The card operator's server is provided with a database for storing and managing data on each member's common fund, and the homepage of the card operator includes a menu for checking the member's common fund. It is desirable to allow members to check their personal loan status in real time.

(p) The server of the card operator is provided with a database for storing and managing data on the individual funds of each member of the real-time status of the expected prize money in the distribution of the pooled funds, the card operator's homepage It is desirable to have a menu for checking a member's personal fund, so that the member can check his / her personal fund status in real time.

Hereinafter, with reference to the accompanying drawings, preferred embodiments of a method of operating a credit card using a network according to the present invention will be described in detail.

1 is a block diagram showing the flow of services and information in the credit card operating method using the network according to the present invention, Figure 2a is a flow chart showing the operating procedure of the credit card operating method using the network according to the present invention. 2b is a flowchart showing a lottery entry procedure in which a member is connected to a homepage of an affiliated store and automatically moves to an affiliated store's homepage when a member accesses a card operator homepage and performs a lottery entry. 3A is a diagram illustrating an example of a homepage configuration of a card operator, which is an operation principal of a method of operating a credit card using a network according to the present invention, and FIGS. 3B to 3D are drawings for members who have access to the card operator to draw a lottery. 3E illustrates a screen for directly selecting and inputting a number. As an example showing a screen showing the status of the lottery application, Figure 3f is an exemplary view showing a screen showing the status of the member's personal reserve accumulated on the card operator's homepage, Figure 4 shows the member when a transaction is made in the merchant Each of the slips issued is exemplified.

In the accompanying drawings, the case where the accumulation rate of the common reserve is 0.5% to 1% of the transaction amount and the case where the lottery number that the member can select and enter are 7 digits are illustrated. Although the case where the accumulation rate of the reserve is 0.5% to 1% of the transaction amount and the case where the lottery number is 7 digits is described as an example, the present invention does not limit the number of digits of the accumulation rate and the lottery number. That is, according to the embodiment of the present invention can vary as much.

Referring to Figure 1, the credit card operating method using the network according to the present invention is a credit card operator (C), which can be connected by the network, such as the Internet, signed a merchant contract with the card operator (C) to provide a product or service to the consumer The member (M) who purchases goods or services from the affiliated store (P) and the card operator (C) as a member and receives a card and purchases a product or service is an essential component.

Referring to FIG. 1, the card operator C promotes an advertisement of an affiliate store on the Internet for the affiliate store P, produces and manages an affiliate store's homepage or shopping, and provides other additional services. On the other hand, the affiliated store (P) forms a certain reserve of the price of the goods or services sold by each card in the account designated by the card operator to form a joint reserve. The pooled funds thus formed will be distributed to the members by periodic drawing.

Affiliates (P), in addition to the joint reserves, each member can be given a certain percentage of the transaction price for each transaction.

Referring to FIG. 1, the card operator P recruits and manages members M, issues cards to members, and opens and operates a homepage for providing various services and information. In addition, a draw for the distribution of common reserves will be made through this website. The card operator (P) will pay the winnings in accordance with the rules set forth in advance to the winning members.

Members (M) enter the lottery numbers through the network to the card operator (C) to participate in the distribution of the reserves, pay annual fees or system fees, and provide various information through the homepage of the card operator (C) It is read.

General netizens, consumers and shops (G) can also access various information by accessing the homepage of the card operator (C) and, if desired, can join as a member or affiliated store.

Referring to FIG. 1, when a member M purchases a product at an affiliated store P, the affiliated store stores each member as a private deposit by a predetermined discount rate of the product price, receives an instant application of the member, and a lottery number is written. Issue a slip or a slip without a lottery number.

Referring to FIG. 2, when a member purchases a product at an affiliated store (see 201, 202, 250, 251), the member earns as a personal reserve by a discount rate (for example, 3% to 10% of the amount of the product) set as a contract condition between the card company and the affiliated store (205,254). At the same time, the merchant stores a certain percentage of the transaction price (for example, 0.5% to 1.0% of the amount of the commodity) as a common reserve in the credit card's open account (206), and at regular intervals (for example, weekly, monthly, The annual draw will be made in the form of a public lottery and the prizes will be returned to the merchants who win the prizes and the merchants who bought the prizes.

The prize money or the specific distribution method by rank can be selected and used depending on the embodiment.

To be drawn, only the members who have applied for the draw can apply according to the draw application procedure described below.

Referring to FIG. 2, the lottery entry method depends on whether a transaction is made at an offline affiliated store (201 to 240) or at an online affiliated store (online shopping mall) (250 to 258).

Referring to FIG. 2, when a transaction is made at an offline affiliated store, a method of applying for a transaction immediately at the terminal of the affiliated merchant (207 to 210), a separate application after the transaction using the Internet (231 to 240), and at another merchant after the transaction There may be a method 208-210 to enter.

(1) a method of immediately applying for a transaction at a terminal of a merchant where a transaction is made (207 to 210)

The merchant terminal inserts the card into the terminal at the time of payment for the product (203), and immediately inputs the member's desired 7-digit number in the merchant terminal (208). At this time, it is preferable that a lot number (7 digits) is printed on the slip.

It is preferable to configure whether or not the application can be confirmed (211) in the "my application status" confirmation menu (see 304 in Figure 3a) of the card operator homepage connected to the Internet. 3E is an exemplary screen for checking the application status.

(2) Application method using the Internet separately after transaction (231 to 240)

After a transaction at a merchant, you can access the homepage of the card operator through the Internet and enter the lottery. In this way, if you do not want to apply at the merchant immediately, or if you want to apply with your own thoughts, you can access the card operator's homepage (Fig. 3a) from a computer connected to the Internet, such as your own computer or PC room. Enter the lottery number you want from the "entry" menu (see 306 of Figure 3a) of the main screen to enter the lottery.

First, click "Apply" to display a screen as shown in FIG. 3B, input a card number 340 and a password 341, and display a screen for checking a member's name as shown in FIG. 3C. As shown in the drawing, the lottery number is input (350), and after receiving the confirmation input 351, the lottery number selected by the member is displayed (352). Next, the process of confirming 353, correcting 354, canceling 355, and additional application 356 is completed.

It is preferable to configure whether or not the application can be confirmed (211) in the "my application status" confirmation menu (see 304 in Figure 3a) of the card operator homepage connected to the Internet. 3E is an exemplary screen for checking the application status.

(3) Application method (208-210) in other affiliated stores

In case of failing to enter the lottery due to the method of applying the transaction immediately at the terminal of the affiliated merchant where the transaction is made or (2) using the Internet separately after the transaction, another member of the card company may register the membership card at the terminal of the merchant. Insert and insert 7 digits to enter. At this time, the slip printed with the lottery number is printed and issued to the member. This method is the same as the method (1) described above, except that the application method is applied at another affiliated store where no transaction is made. In this case, it is preferable to configure the application so that it can be confirmed (211) in the "My application status" confirmation menu (see 304 in Figure 3a) of the card operator homepage connected to the Internet. 3E is an exemplary screen for checking the application status.

If the transaction is made in the online shopping mall (250, 251), when the purchase of the product is made in the shopping mall and the payment is completed, the card number, password input screen (252, 253) and the subsequent drawing number input screen (256) are displayed. By configuring the display, the lottery member directly inputs the desired lottery number in the online shopping mall to enter the lottery. In this case, it is preferable to configure the application so that it can be confirmed (211) in the "My application status" confirmation menu (see 304 in Figure 3a) of the card operator homepage connected to the Internet. 3E is an exemplary screen for checking the application status.

Member's personal and joint fund status, expected winning amount status, etc. can be checked at the merchant immediately through the transaction (communication terminal), it is desirable to be listed in the slip (see Figure 4).

As shown in Figure 3a, it is preferable to have a menu that can check the 'my reserve status' (305) on the card company homepage, so that it can also be checked on the homepage. Figure 3f is an exemplary screen for checking the status of individual funds of the individual member.

As shown in Fig. 3a, the accumulation status of joint reserves (refer to 301 of Fig. 3a) and the expected winnings (refer to 302 of Fig. 3a) can be checked on the server of the card company so that the member can check each product purchase through the terminal of each merchant. It is calculated and published at any time, and maintains fairness and credibility by disclosing the accumulated status of each moment and the expected amount of winnings by rank on the homepage of the card at any time.

The common reserve and the expected amount of the prize is preferably updated in each transaction of the members so that it is possible to check the joint reserve and the expected amount of the prize in real time.

As shown in FIG. 3A, the card company's homepage (FIG. 3A) operates an independent shopping mall (see 340 in FIG. 3A), treats a product supplier as one affiliate store, and treats an e-commerce member as a card member. In addition, it is desirable to grant the same rights and obligations of the merchant and the member offline.

The card company produces and manages the homepage for the merchant to advertise and promote the merchant on the Internet, and automatically enters the merchant homepage when the member enters the lottery number every time the lottery is applied, thereby maximizing the advertisement and promotion effect of the merchant. can do.

Members who have dealt with merchants on-line go to the merchant's homepage through the lottery application process and obtain necessary product information, so that the connection between offline and online is achieved, thereby achieving convenience of members and sales growth of merchants.

As described above, embodiments of the present invention have been described in detail, but the scope of the present invention is not limited thereto, and the scope of the present invention extends to the range substantially equivalent to one embodiment of the present invention.

According to the present invention, the expectation of the profits that members may have from trading at the merchant is increased, so the number of card use is increased, and as a merchant, it is easy to secure new customers, sales are increased, and the card operator is jointly Fair management and operation of the reserves can increase the confidence of merchants and members.

In addition, according to the present invention, while inducing members as consumers, inducing planned and sound consumption, while increasing the savings through the accumulation and the benefits of various cultural services, and maximize the effect of advertising for merchants that are providers of goods or services Not only does it increase the number of fixed customers, but also the efficiency of customer management becomes possible, and regional and national economies have the advantage of enabling the economy and the advancement of the distribution industry.

Claims (15)

Between card operators, members of card operators, and card merchants (offline merchandise service stores or online shopping) that can be connected to each other by a network such as the Internet, (a) depositing a certain percentage of the transaction price online in a common reserve account managed by the card operator each time the member makes a transaction of a product or service at the affiliated store; (b) accessing the homepage of the card operator and entering a lottery number determined by the member in order to apply for the lottery distribution of the common reserve every time the member makes a transaction of a product or service at the affiliated store; and (c) determining a public lottery member who is to be allocated the common reserve by using the lottery numbers of the members input in the step (b); Earning card operating method using a network, characterized in that comprises a. The method of claim 1, (d) Earning using a network characterized in that it further comprises the step of providing a member card (hereinafter referred to as "card") that can store information such as membership card number and reserves before the step (a) How cards work. The method according to claim 1 or 2, (e) every time the member makes a transaction of goods or services at the affiliated store before the step (a), the method further comprises the step of accumulating a certain percentage of the transaction price on the membership card as a private fund. Earning card operation method using a network characterized in that. The method according to claim 1 or 2, (f) prior to step (d), the card operator further comprises the step of loading and operating a homepage having a menu for affiliated store application, membership registration and lottery application on its server. How to operate your earned card. The method of claim 4, wherein The homepage is a credit card operating method using a network, characterized in that it further comprises an online shopping mall for merchants. The method of claim 1, The offline affiliated store can access the server of the card operator through the Internet, the member card number, voucher number, merchant number, sales amount, matters related to personal reserves, matters related to joint reserves, and the present time for each transaction to members. The method of operating a credit card using a network, characterized in that it comprises a terminal capable of issuing a slip containing the winnings. The method of claim 6, If the member enters the lottery lottery distribution by entering the lottery number through the terminal at the merchant, the lottery number and the lottery date is further described is issued to the member, characterized in that the credit card operating method. The method according to claim 1 or 7, The step (b) is a member entering a 7-digit lottery number desired by the merchant immediately after the transaction at the affiliated merchant; Merchants entered the lottery number and the lottery date entered by the member using the terminal Issuing step; earning card operating method using a network, characterized in that comprises a. The method according to claim 1 or 6, In step (b), whenever a member makes a transaction at a member store, the member card number, merchant number, slip number, sales amount, items related to personal reserve, items related to joint reserve, and current prize money Issuing the document as described; Access to the homepage of the card operator through a computer at a place other than the member of the merchant who wants to establish a transaction after the transaction; Entering the member card number and password; Entering the merchant number; Entering the document number; Member himself Entering the desired 7 lottery numbers; Earning card operating method using a network comprising a. The method of claim 1, In the step (b), when the member makes a transaction in the online shopping mall, the product is traded and the product price is settled and the card number is entered. How to operate the earning card using the network, characterized in that configured to include. The method of claim 4, wherein The card operator's server has a database that stores and manages data on the status of the lottery entry for each member's joint reserve allocation, and the lottery entry for the member's joint reserve allocation can be viewed on the homepage of the card operator. It is equipped with a menu, so that members can check the status of their lottery application in real time, the method of operating a credit card using a network. The method of claim 4, wherein The card operator's server is provided with a database for storing and managing data on the personal deposit of each member, and the homepage of the card operator is provided with a menu for checking a member's personal deposit, so that the member can register his / her own account in real time. How to operate the earning card using the network, characterized in that to check the status of personal funds. The method of claim 4, wherein The server of the card operator is provided with a database for storing and managing the data of each member's joint fund, the card operator's homepage is provided with a menu for checking the details of the member's joint fund, the member in real time How to operate the credit card using the network, characterized in that to check the status of their own personal funds. The method of claim 4, wherein The server of the card operator is provided with a database for storing and managing the data on the personal deposit of each member of the real-time status of the expected winning prize in the distribution of the common reserve, the card operator's homepage Method of operating a card using a network, characterized in that the menu to check the reserve, so that members can check the status of their personal deposit in real time. The method of claim 1, The public lottery of step (c) is a card operating method using a network, characterized in that the middle of being relayed to the members in real time over the Internet.