KR20040003512A - Electronic point banking system and method for credit card - Google Patents

Abstract

PURPOSE: A system and a method for settling an electronic point for a credit card are provided to enable a customer to receive the electronic point exchangeable to cash while receiving an article or a service at a same price, and to enable a member shop to increase sales by securing many customers without using a marketing expense. CONSTITUTION: The member shop(300) has a terminal. The terminal makes a member(100) buy goods or use the service at each member shop by using a card storing the member information, reads the member information through the card, and communicates with each agency(200) through the Internet network(600). The agency registers a company and a user applying the member registration to a management server(400) as a new member shop or a new member. The management server makes the member shop give the electronic point to the member through a VAN(Value Added Network) host(500) connecting the member shop with the VAN.

Description

Electronic point banking system and method for credit card

The present invention relates to an electronic point banking system, and more specifically, a customer can receive a separate electronic point as a bonus that can be cashed from the customer's point of view, and can increase sales by securing more customers from the merchant's point of view. The purpose of the present invention is to provide a credit card electronic point payment system and method.

In general, commodities have a production, distribution, and sales cycle, and are sold to the end consumer as sales profits rise in the distribution phase relative to the price at the time of production.

Therefore, since the end consumer has no other benefits besides the value of the product he / she purchases, it is difficult for the seller to induce consumption for the customer to purchase additional and sustainable products.

In addition, in terms of service provision, the consumer has no additional benefits other than the service provided, and thus, it is difficult to induce the customer to receive the service continuously from the service provider's point of view.

Therefore, some companies use a coupon system, that is, a refund of a certain amount of a purchase amount of a product or a given amount of a service, a refund, a free gift or a free service.

For example, a coupon (sticker), which is given when purchasing an object, is given to a blank space of a specific paper, and a free gift is given when there is no space.

In addition, when a consumer purchases a certain product or receives a service, the magnetic card is contacted to the terminal to inform the user of a cumulative score (earning point) through a receipt or a card, and the amount is accumulated at a predetermined rate, and the prize is subsequently awarded according to the accumulated amount. Marketing schemes have emerged that allow payment or purchase of goods.

Such a reserve marketing method has an online earning system that allows a certain amount of money used by a consumer to be accumulated as mileage points, and used as cash when the accumulated reserve reaches a certain point.

However, in the conventional sticker method, the user must attach the sticker directly, and there is a risk of loss or damage.

When using a magnetic card, when the consumer has a contact card of company A, points are earned only at merchants operated by company A, and points are not earned at merchants operated by other companies. To earn points from participating merchants, you must create a new card, and after you make a card, you must have a card from the affiliated company A or B. As a result, there was a vicious cycle that led to national wastage due to concerns about card loss and the rising costs of additional cards.

Accordingly, the present invention has been invented to solve the above problems, from the customer's point of view, you can receive a separate electronic point that can be cashed even while receiving goods or services of the same price as a bonus, separate marketing from the merchant point of view Its purpose is to provide an electronic point banking system for credit cards that can increase sales by securing more customers without spending rain.

1 is a block diagram of an electronic point payment system according to the present invention,

2 is a flowchart of an electronic point payment system according to the present invention.

* Description of the symbols for the main parts of the drawings *

100 --- members, 200 --- distributors,

300 --- Merchant, 400 --- Management Server,

500 --- Vanhost, 600 --- Internet,

700 --- van network.

The present invention for achieving the above object is configured to purchase goods or use the service in each affiliated store by using a card owned by the member recorded member information, can read the information of the member and through the Internet network An affiliated store having a terminal capable of communicating with each agency;

A distributor that registers a new merchant in a management server connected to an internet network and registers a new member who has applied for membership as a member;

And a management server that manages to give an electronic point of the member to the affiliated store through a van host connected to the affiliated store and the van network.

In addition, the present invention, the agent is registered by the member's home phone number when registering a new member or registered a specific credit card number owned by the member to manage the member, login by entering the ID and password to the management server through the Internet network After that, membership management, merchant management, transaction history management, merchant claim, characterized in that the member deposit management.

In addition, in the present invention, when the customer orders the goods, the approval of the payment according to the customer's purchase is made in the terminal of the corresponding affiliated store, and is connected to the van host (VAN HOST) through the value added network (VAN) to approve the customer's approval. Transmitting the inquiry and approval result to the affiliated store;

If the corresponding member matches the price of the item to be paid and the amount paid, the member delivers the goods and the merchant sends the electronic point of the member according to the purchase to the van host through the terminal. Transmitting the electronic point of the member to the management server again;

Wherein the agency is to manage the member stores and members through the Internet to the management server, requesting the electronic point payment payment to the corresponding merchant for the cumulative points of the member;

The affiliated store that has been requested to pay for the electronic point pays the cash corresponding to the electronic point to the agent, and the agent sends the cash corresponding to the accumulated point to the corresponding member.

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

1 is a block diagram of an electronic point banking system according to the present invention. As shown, by using a card owned by the member 100 recorded member information is configured to purchase goods or use services in each affiliate store 300, each affiliate store 300 of the member 100 The terminal 301 can read information and communicate with each agency 200 through the Internet network 600.

Here, the agency 200 registers a new affiliated store in a management server 400 that manages an electronic point through the Internet network 600, and the member 200 has applied for a member registration and registers a new member applied for membership as a member 100. You will register.

At this time, the agency 200 manages the member by registering with the member's home phone number when registering the new member 100 or by registering a specific credit card number possessed by the member.

In addition, the agency 200 logs in by inputting an ID and password to the management server 400 through the Internet network 600, and then manages members, manages merchants, manages transaction history, requests merchants, and deposits members.

In more detail, the member management is registered as a member of the home phone number or mobile phone number registered by the member, the member who registered the home phone number can register the credit card to earn electronic points by phone number credit card Card member registration, membership modification to modify the member's information, membership inquiry to search for the member, member deletion to delete the registered member, member point addition, etc. will be performed.

In addition, affiliated store management registers a merchant, registers a merchant to register a business number of a merchant, and registers a terminal ID in a merchant that has registered a business number, and registers a terminal ID registered to a merchant after registering a business number. , Merchant modification used when changing Merchant Information, Merchant inquiry used when searching Merchant, Deleting Merchant which is canceled when the amount to be charged is all processed, Deleting Merchant used, Merchant ID registered by Merchant Terminal ID lookup that is used when inquiring is performed.

Transaction history management is to perform a transaction history inquiry that is used in the day transaction history, which is inquiring today's transaction history, the transaction history inquiry on a specific day.

Merchant billing, if there is a cumulative Merchant Point accumulated in the Merchant, bills the Merchant and receives the amount and deposits the Merchant Claim, the Merchant Claim History that inquires the amount billed to the Merchant, and the member The merchant's billing TLF will be used to query all of the transaction details.

Member deposit management is for the member deposit to search for the member with the accumulated points of the member, the membership deposit processing for depositing the accumulated amount to the member, the deposit history for searching the deposit details, and the transaction history for the deposit. Member deposit TLF will be inquired.

2 is a flowchart of an electronic point banking system for a credit card according to the present invention.

This section describes the process by which a member obtains an electronic point from an agent after receiving goods or services from the affiliate.

First, the member 100 purchases the corresponding goods from the affiliate store 300, presents the corresponding card, and requests the payment according to the purchase of the goods or the service request (S100). If the member to be paid does not have a credit card, the member's telephone number will be entered.

When a customer orders a product, payment approval according to the customer's purchase of the product is made in the terminal 310 of the affiliated store 300, and at this time, a van host (VAN HOST) through a Value Added Network (VAN) 700; 500 and the payment approval inquiry and approval results of the customer is transmitted to the merchant 300 (S110) (S20).

At this time, the member 100 signes if the price of the item to be paid and the amount of the payment is signed, delivers the goods and the corresponding merchant 300 according to the purchase of the goods to the van host 500 through the terminal 310 The electronic point of the member 100 is transmitted, and the van host 500 transmits the electronic point of the member 100 to the management server 400 again, so that the electronic point management is performed (S130).

Here, the agency 200 performs the affiliated store 300 and the member management 100 through the Internet 600 on the management server 400, and the electronic points of the corresponding members accumulate and become constant, such as 10000 points. , 20000 points .. If the request to pay the electronic point payment to the affiliated store (300) (S140).

The affiliated store 300 that has been requested to pay for the electronic point pays the cash corresponding to the electronic point to the agency 200 (S150), and the agency transfers the cash corresponding to the accumulated point to the corresponding member 100. It is made (S160).

Therefore, the affiliated store 300 may attract more fixed customers through the dealership 200 at a lower marketing cost, and a separate cumulative point that may be cashed while receiving the same goods and services from the position of the consumer member 100. You will receive a bonus.

In addition, membership management is performed by registering the member's home phone number or mobile phone number, the member who registered the home phone number can register the credit card to earn e-points from the phone number, and can also be credited with the existing credit card It becomes possible. Therefore, you do not need to issue a separate card.

According to the present invention described in detail as described above, the customer can receive a separate electronic point that can be cashed while receiving goods or services of the same price as a bonus, and if the merchant does not require a separate marketing cost In addition, more customers can be secured, increasing sales.

In addition, the present invention has the effect that the agency does not require any cost, such as a separate card production because the dealer receives the membership and membership online to apply for the electronic point to the member through an existing card or home phone number. .

Claims (3)

It is configured to purchase goods or use services in each affiliate store 300 by using a card owned by the member 100 in which the member information is recorded, and can read the information of the member 100 and use the Internet network 600. An affiliated store 300 having a terminal 301 capable of communicating with each dealership 200; A distributor 200 that registers a new merchant in a management server 400 connected to an internet network 600 for a company that has applied for a merchant registration, and also registers a new member who has applied for membership as a member 100; And a management server 400 which manages to give an electronic point of the member 100 to the affiliate store 300 through the van host 500 connected to the affiliate store and the van network 700. Electronic point payment system for credit cards. According to claim 1, The agency 200 is registered with the member's home phone number when registering the new member 100 or registered a specific credit card number possessed by the member to manage the member, the Internet network 600 After inputting the ID and password to the management server 400 to log in, the electronic point payment system for credit card, characterized in that the member management, merchant management, transaction history management, merchant claim, membership deposit management. When a customer orders a product, the approval for the purchase of the product is made at the terminal of the affiliated store, and is connected to the VAN HOST through the Value Added Network (VAN). Being transmitted to the affiliated store; If the corresponding member matches the price of the item to be paid and the amount paid, after signing, deliver the goods and the merchant sends the electronic point of the member according to the purchase to the van host through the terminal. Transmitting the electronic point of the member to the management server again; Wherein the agency is to manage the member stores and members through the Internet to the management server, requesting the electronic point payment payment to the corresponding merchant for the cumulative points of the member; The affiliated store that has been requested to pay for the electronic point is to pay the cash corresponding to the electronic point to the agent, the agent remitted the cash corresponding to the accumulated point to the member; credit card for a Electronic Point Payment Method.