KR20080005823A - System and method for processing rewards, devices for processing rewards and program recording medium - Google Patents

Abstract

A system and a method for processing rewards, and a reward processing device and a program recording medium for the same are provided to enable a credit card customer to exchange the rewards for card payment into cash and obtain an investment profit by investing the rewards in more than one financial product according to an investment condition of the customer. An interface provider provides a window for selecting a reward investment target and/or condition to a customer terminal, and receives the reward investment target and/or condition from the customer terminal. An information storing part(545) stores the reward investment target and/or condition information to a storage medium by linking with customer ID information and credit card information. An information checker(505) checks periodically whether the rewards of the customer are suitable for the investment condition of the customer by linking with the storage medium and checks the investment target information corresponding to each investment condition. A customer reward processor divides/invests the customer rewards in a plurality of investment targets. An information provider informs a customer communication tool of reward investment details, before or after the rewards are invested in the investment targets.

Description

Reward processing method and system, and reward processing apparatus and program recording medium therefor {System and Method for Processing Rewards, Devices for Processing Rewards and Program Recording Medium}

1 is a diagram illustrating a system configuration for reinvesting a card reward in at least one financial product in the process of issuing a new card according to an embodiment of the present invention.

2 is a diagram illustrating a card issuing process for reinvesting a card reward in at least one financial product according to an embodiment of the present invention.

3 is a diagram illustrating a system configuration for reinvesting a card reward previously issued to a customer in at least one financial product according to another embodiment of the present invention.

4 is a diagram illustrating an information registration process for reinvesting a card reward previously issued to a customer in at least one financial product according to another embodiment of the present invention.

5 is a diagram illustrating a card reward reinvestment system configuration according to an embodiment of the present invention.

6 is a diagram illustrating a process of generating card reward information according to an exemplary embodiment of the present invention.

7 is a diagram illustrating a process of generating card reward information according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a reinvestment process of the card reward according to an embodiment of the present invention.

9A and 9B illustrate a reinvestment process of a card reward according to another exemplary embodiment of the present invention.

10A and 10B illustrate a reinvestment process of a card reward according to another exemplary embodiment of the present invention.

11A and 11B illustrate a reinvestment process of a card reward according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a card reward reinvestment system configuration according to another embodiment of the present invention.

13 is a diagram illustrating a process of generating card reward information according to an exemplary embodiment of the present invention.

14 is a diagram illustrating a process of generating card reward information according to another exemplary embodiment of the present invention.

15A and 15B illustrate a reinvestment process of a card reward according to an exemplary embodiment of the present invention.

16A and 16B illustrate a reinvestment process of a card reward according to another exemplary embodiment of the present invention.

17A and 17B illustrate a reinvestment process of a card reward according to another exemplary embodiment of the present invention.

18A and 18B illustrate a reinvestment process of a card reward according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

500: investment manager server 505: information confirmation unit

510: information extraction unit 515: information generation unit

520: financial products investment unit 525: investment information storage unit

530: payment server 535: payment approval unit

540: information generating unit 545: information storage unit

According to the present invention, when a customer processes payment through a card issued to the customer through a predetermined card issuing system, the card generates reward information corresponding to the card payment and stores the reward information in the predetermined reward information D / B. The amount of money corresponding to the card reward information based on the stored customer card information and the investment financial product information and / or investment condition (or policy) information stored in connection with the reinvestment information D / B according to the investment condition (or policy) The present invention relates to a system for reinvesting in at least one financial product corresponding to the investment target financial product information.

Card payments include at least one payment method (e.g., credit card, debit card, check card, prepaid card) on a magnetic stripe (MS) card and / or an integrated circuit (IC) card. (Prepaid Card, etc.) and through the communication network with the terminal and / or server on and off-line equipped with an electronic payment function corresponding to the payment means, the card is processed. The issued card company (or bansa that provides the communication network) generates a profit by charging a part of the payment amount.

At this time, the card company (or bansa or affiliated stores) is a variety of reward services (eg, mileage points, discount coupons, prizes) to return some of the fee to the customer to activate the card payment and increase the profit Offer).

Here, the earned rewards, such as mileage points of the card rewards correspond to the debt from the card company (or card reward provider) position, so that the card company (or earned reward provider) to exhaust the accumulated rewards as soon as possible, The debt must be forgiven.

In order to exhaust the accumulated rewards, the card company (or the rewarded rewards provider) provides various reward-based additional services (eg, point mall, point payment, point exchange, etc.) that can use the accumulated rewards, but lack publicity. And the minimum reward value that the customer should accumulate for the additional service is not activated.

An object of the present invention is to receive / enter customer reward investment object and / or investment condition selection (and / or input) information, and to identify the customer reward investment object and / or investment condition information of the customer and / or the customer. The card (or account) of the information stored in a predetermined storage medium, and linked with the storage medium (or storage medium operating means), periodically checks whether the customer reward meets the investment conditions, and As a result of the check, when the customer reward satisfies the investment condition, a reward processing method and system is provided so that a predetermined customer reward processing means invests the customer reward into the investment object.

The customer reward processing system according to the present invention provides a customer reward investment target and / or investment condition selection (and / or input) page (or window) to the customer terminal, and the customer reward investment target and / or investment from the customer terminal. Interface providing means for receiving condition selection (and / or input) information; Information storage means for storing the received customer reward investment object and / or investment condition information in association with the customer identification information and / or the card (or account) information of the customer and storing the information on a predetermined storage medium; In connection with the storage medium (or the storage medium operating means), periodically checking whether the customer reward meets the investment conditions selected and / or input by the customer, and a plurality of investment target information corresponding to each investment condition Information checking means for confirming; And customer reward processing means for split-investing the customer rewards into the identified plurality of investment objects.

According to the present invention, the customer reward processing system further includes information providing means for notifying the customer of the reward investment details to the customer communication means before or after the investment processing the customer reward to the identified plurality of investment targets. Characterized in that made.

According to the present invention, the investment object is characterized in that it comprises at least one or more deposits, savings, funds, insurance, bancassurance.

According to the present invention, the investment condition may include at least one or more reward amount setting conditions for each investment object, a reward investment period setting condition for each investment object, a reward amount setting condition for an investment period, and the like.

On the other hand, the present invention is characterized by recording a program for executing the constituent means functions of the above-described customer reward processing system.

On the other hand, the customer reward processing method according to the present invention, the step of receiving / inputting the customer reward investment target and / or investment condition selection (and / or input) information in the predetermined information receiving and / or input means; Storing the customer reward investment subject and / or investment condition information in a predetermined information storage means in association with the identification information of the customer and / or the card (or account) information of the customer and storing the information on the predetermined storage medium; Periodically confirming whether the customer reward meets the investment condition in connection with the storage medium (or the storage medium operating means) in a predetermined information checking means; And if the customer reward satisfies the investment condition, investing the customer reward to the investment subject in a predetermined customer reward processing means.

On the other hand, the customer reward processing apparatus according to the present invention, the storage medium (or storage) stored in the customer reward investment target and / or investment condition information and the identification information of the customer and / or the card (or account) information of the customer is linked and processed An information checking unit periodically checking, in association with the medium operating means, whether the customer reward satisfies the investment condition; And an investment processor configured to process the customer reward as the investment target when the customer reward satisfies the investment condition.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a system configuration for reinvesting a card reward in at least one financial product in the process of issuing a new card according to an embodiment of the present invention.

In more detail, Figure 1 shows at least one card reward (e.g., mileage points earned according to the use of the card) according to the present invention by a predetermined customer through a predetermined card issuance interface. If predetermined card issuance application information including investment target financial product information and / or investment condition (or policy) information for reinvesting in the above financial products is provided, the card reward reinvestment system is based on the provided card issuance application information. Regarding a system configuration for issuing a predetermined card to the customer, those skilled in the art to which the present invention belongs, re-investing the card reward in at least one or more financial products by referring to and / or modifying this drawing Can infer various implementation methods for card issuance system configuration I, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

Hereinafter, based on the card issuing application information including the investment target financial product information and / or investment condition (or policy) information provided from the customer through a predetermined card issuing interface on the card issuing system shown in FIG. Components corresponding to at least one or more means and / or functional configurations for issuing a predetermined card to a customer are referred to as "card issuing server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a card issuing system for reinvesting a card reward according to the present invention in at least one or more financial products is an employee terminal used by a card issuing employee equipped with at least one financial institution. And / or wherein the card issuing system supports a non-face-to-face card issuance application, including a client terminal including at least one wired terminal and / or a wireless terminal used by the customer. The employee terminal and / or client terminal is connected to the card issuing server 100 provided on the card reward reinvestment system through a predetermined network means.

According to one embodiment of the present invention, the customer visits the financial institution to reinvest card rewards according to the present invention in at least one financial product and through a window provided at the financial institution (or a card issuer). Through a predetermined card issuance application (e.g., document with a form for filling in at least one information item for reinvesting the card reward in at least one financial product) (Or the card issuer visits the customer and asks the customer to complete a predetermined card issuance application for reinvesting the card rewards in at least one financial product) When I submit it to the card issuer, the card mentioned above The employee in charge enters (or selects) the information entered in the card issuance application through a predetermined employee terminal, and the employee terminal transmits the input (or selected) information on the card reward reinvestment system through the network means. It is preferable to transmit to the card issuing server 100 provided in.

Here, the employee terminal preferably comprises an employee terminal used by the card issuing staff provided in the financial institution, the card issuing server 100 connected to the employee terminal is provided on the predetermined financial system It is preferable to include a ledger server, wherein the network means for connecting the employee terminal and the card issuing server 100 is a financial network (eg, our network) connecting the communication channel between the employee terminal and the card issuing server 100 It is preferable to comprise).

In the card issuing system as described above, a card issuance application that the customer creates, an employee terminal used by the card issuing staff, and a financial network connecting the employee terminal and the card issuing server 100 is the card issuing application. It performs the function of card issuing interface for registering information.

According to another embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the customer is a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network. When the card issuing server 100 is accessed through at least one or more client terminals and the card issuing application information is input (or selected) through at least one or more user interfaces provided by the card issuing server 100, the client It is preferable that the terminal transmits the card issuance server 100 provided on the card reward reinvestment system through a predetermined network means.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

In addition, the client terminal outputs at least one user interface provided by the card issuing server 100, inputs and / or selects at least one or more information through the user interface, and transmits the same to the card issuing server 100. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the card issuing server 100, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the card issuing system, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired network connecting the client terminal and the card issuing server 100 and And / or the wireless network performs a function of a card issuing interface for the customer to register the card issuing application information.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the card issuing terminal 135, in addition to the employee terminal and / or client terminal, a predetermined financial network It further comprises a financial automated machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to (for example, a financial common network), and / or a predetermined And a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN), Voice over IP (VoIP) network, and / or a mobile communication network, a wireless VoIP network, A terminal (and / or service) further comprising a predetermined call terminal (not shown) connected to the same wireless telephone network, and / or provided in at least one or more institutions affiliated with the financial institution. ) (It may further comprise a not shown), to which the present invention is not limited.

In the case of supporting the non-face-to-face card issuing application as described above, when the card issuing terminal 135 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( The financial network connecting the card issuing server 100 performs the function of the card issuing interface for the customer to register the card issuing application information, and / or the card issuing terminal 135 is In the case of a call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the card issuing server 100 may be applied by the customer for the card issuance. Perform a function of a card issuing interface for registering information, and / or a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is the card issuing terminal 135. In this case, the network connecting the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the card issuing server 100 allows the customer to register the card issuing application information. It performs the function of card issuing interface.

The card issuing application information is a credit card payment method, a debit card payment method, a check card payment method, a prepaid card payment method through the card issuing server 100. And information for requesting issuance of a predetermined card including at least one payment means of an electronic wallet payment means and an electronic bankbook payment means. It is preferable that the information further comprises investment target financial product information and / or investment condition (or policy) information requesting to reinvest in the at least one financial product, thereby reinvesting the card reward at the same time as the card issuance The request is registered.

Here, the investment target financial product information, financial products name, investment period, the rate of return for financial products, including at least one or more / deposit products, securities investment products, fund investment products, bond investment products, insurance investment products, etc. Or an interest rate), a minimum investment amount, investment amount deposit account information, and the like, and financial product investment information including information on a predetermined financial product manager operating the financial product.

According to an embodiment of the present invention, the financial product investment information of the investment target financial product information is investment information on at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, it comprises a, the customer may select at least one financial product to invest the card rewards based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include investment information on a card reward-only financial product designed to invest the card reward, and the present invention is not limited thereto.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one financial product to invest the card reward based on the financial product manager information with respect to the same (or similar) financial product investment information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

The investment condition (or policy) information may include a condition (or policy) for investing the card reward in at least one financial product operated by at least one financial product manager, and the investment condition. (Or a policy) is characterized by including the investment conditions (or policies) and / or the investment conditions (or policies) for each amount of the card reward.

According to an embodiment of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one financial reward of card rewards that the customer accumulates (or obtains) using the card for a certain period of time. It is desirable to include an investment condition (or policy) to reinvest in at least one financial instrument managed by the manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one or more card rewards that the customer accumulates (or acquires) by using the card for one month at least one or more financial product managers. It may include an investment condition (or policy) to reinvest in financial instruments.

According to the implementation method of the present invention, the investment condition (or policy) by the amount of the investment condition (or policy) information is the card rewards earned (or obtained) by the customer using the card reaches the predetermined amount, It is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information is the accumulation (or acquisition) when the card rewards earned (or obtained) using the card reaches 100,000 won in cash. It is preferable to include an investment condition (or a policy) for reinvesting the card reward corresponding to the cash amount of 100,000 won in at least one financial product managed by at least one financial product manager.

According to the implementation method of the present invention, the investment conditions (or policies) for the period and amount of the investment condition (or policy) information are such that the card rewards earned (or obtained) by the customer using the card for a certain period of time are set to a certain amount. If so, it is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) for each term and amount of the investment condition (or policy) information is the credit (received) when the credit card earned (or obtained) by the customer for 3 months using the card is 30,000 won or less in cash. Or reinvest the acquired card rewards in financial instrument A (or at least one director's financial instrument with a minimum investment of 30,000 won), and the customer earned (or obtained) using the card for three months. If the card reward is more than 30,000 won or less than 50,000 won, reinvest the accumulated (or obtained) card rewards into financial product B (or financial instruments of at least one director whose minimum investment is less than 50,000 won), and the customer If the card rewards earned (or obtained) by using the card for 3 months are 50,000 won or more and 100,000 won or less, the card rewards (or obtained) Reinvest in a financing product C (or at least one director's financial instrument with a minimum investment of 100,000 won) and the card rewards earned (or obtained) using the card for three months with at least 100,000 won in cash. In this case, it is preferable to include an investment condition (or policy) for re-investing the accumulated (or obtained) card rewards in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). Do.

According to the present invention, the investment condition (or policy) information further comprises a distributed investment condition (or policy), wherein the distributed investment condition (or policy) is an amount corresponding to the card reward information. It consists of investing in each of the at least two financial instruments distributed.

For example, if the amount corresponding to the card reward information is 100,000 won, the diversified investment condition (or policy) is to invest 30% (= 30,000 won) of the 100,000 won in Financial Instruments A, and 30% (out of the remaining 70,000 won). It is desirable to include investment conditions (or policies) to invest 30,000 won in financial instrument B and 40% (the remaining 40,000 won) in financial instrument C.

The reinvestment information D / B provided on the card reward reinvestment system according to the present invention issues a predetermined card to the customer based on the card issuing application information provided from the card issuing terminal 135, and then issues a card. And the investment target financial product information and / or investment condition (or policy) information included in the application information is stored in association with the card information, and is processed in connection with the card information stored in the reinvestment information D / B. The stored investment target financial product information and / or investment condition (or policy) information is used to reinvest the card reward according to the present invention in at least one financial product on the card reward reinvestment system.

According to one embodiment of the invention, the reinvestment information D / B is preferably provided in a DBMS on a predetermined financial system provided on the card reward reinvestment system (or associated with the card reward reinvestment system). When the reinvestment information D / B may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the reinvestment information D / B is provided on (or associated with) the card reward reinvestment system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the reinvestment information D / B uses the investment target financial product information and / or investment condition (or policy) information linked to the card information on the card reward reinvestment system. It is preferable to be provided in a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function. In this case, the location where the reinvestment information D / B is provided may be variously performed according to the intention of those skilled in the art. The present invention is not limited thereby.

The card issuing server 100 provided on the card reward reinvestment system according to the present invention is a generic term for the component of the card reward reinvestment system side connected to the card issuing terminal 135 through a predetermined network means. It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to the embodiment of the present invention, the card issuing server 100 is characterized in that it comprises an interface unit 105 for providing a predetermined card issuing interface to the card issuing terminal 135 through the network means. .

According to an embodiment of the present invention, when the card issuing terminal 135 is an employee terminal connected to a predetermined financial network, the interface unit 105 is connected to the employee terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card issuance application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 135 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 105 Connects a predetermined communication channel with the client terminal based on a protocol stack defined in the wired network and / or a wireless network, and uses at least one information (a communication protocol defined in a communication program provided in the client terminal). Or data) communication interface for transmitting and receiving.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 100, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the card issuing terminal 135 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 105 is a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 105 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Or, if the client terminal is provided with a card issuance application program provided by the card issuance server 100, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol, the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 1, the card issuing server 100 is interlocked with the interface unit 105 when a predetermined card issuing terminal 135 is connected to the card issuing server 100 through the interface unit 105. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card issuing application information from the card issuing terminal 135 to the card issuing terminal 135. 110 and the information receiving unit 115 which receives the predetermined card issuing application information transmitted from the card issuing terminal 135 through the user interface (or selected) in association with the interface unit 105. And an information generation unit 125 for generating predetermined card information corresponding to a card to be issued to the customer based on the received card issuing application information, and the card information through a predetermined card issuing device. A card issuing unit 130 for issuing a predetermined card, including the card information corresponding to the card issued to the customer and the financial object information and / or investment condition (or policy) included in the card issuance application information. Characterized in that it comprises an information storage unit 120 for storing information in the re-investment information D / B by processing the link information.

The interface providing unit 110 corresponds to a functional configuration provided in the card issuing terminal 135 when a predetermined card issuing terminal 135 is connected to the card issuing server 100 through the interface unit 105. Generate (or select) the card issuing application information and generate a predetermined user interface which can be transmitted to the card issuing server 100 via the network means, and / or is extracted from a predetermined database (not shown). And provide the user interface generated (or extracted) in cooperation with the interface unit 105 to the card issuing terminal 135 through the network means.

Thereafter, the card issuing terminal 135 inputs (or selects) the card issuing application information based on the user interface, and the card issuing server is configured to input the card issuing application information (or selected) through the network means. Send to 100.

According to an embodiment of the present invention, when the card issuing terminal 135 is an employee terminal connected to a predetermined financial network, the interface providing unit 110 may provide a card issuance application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the card issuing terminal 135 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface provider 110 ) Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 105. It is preferable to provide to the terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 135 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 110 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

The information receiving unit 115 inputs (or selects) predetermined card issuing application information from the card issuing terminal 135 through the user interface and transmits the same through the network means. And receiving the card issuing application information, and the received card issuing application information is provided to the information generating unit 125.

According to an embodiment of the present invention, the card issuing application information may include requesting to reinvest the card reward customer information of the card issuing customer, card product information corresponding to the card issued to the customer, and the card reward in at least one or more financial products. At least one financial object information and / or investment condition (or policy) information is included.

The information generating unit 125 generates predetermined card information to be provided in the card to the customer based on the card issuing application information received through the information receiving unit 115, wherein the card information is The investment target financial product information and / or investment condition (or policy) information included in the card issuance application information is processed and stored in the reinvestment information D / B.

When the predetermined card information provided in the card is generated by the information generating unit 125, the card issuing unit 130 produces a card including the card information through a predetermined card issuing device (or the card). And the card information), and the card is provided (or delivered) to the customer.

If the card is an MS (Magnetic Stripe) card, the card issuing device includes a device for recording the card information on at least one or more MS tracks (eg, track I, track II, track III) included in the card. In this case, the information generating unit 125 generates card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 130 generates at least one card information through the card issuing device. By writing to the MS track, a predetermined card to be issued to the customer is issued.

Alternatively, if the card is an IC (Integrated Circuit) card, the card issuing device includes a device for recording the card information in a memory provided in the IC chip of the card, wherein the information generating unit 125 Generates the card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 130 sends the card information to the memory of the IC chip through the card issuing device. By writing to the card, a predetermined card to be issued to the customer is issued.

The card manufactured as described above is provided to the customer and / or is delivered to the customer according to a predetermined card providing procedure, after which the customer uses the card through the card reward reinvestment system according to the present invention. .

Thereafter, the information storage unit 120 includes the investment target financial product information and / or investment condition (or policy) information and the card included in the card issuance application information received from the customer through the information receiving unit 115. The information is linked and stored in the reinvestment information D / B.

Here, the investment target financial product information and / or investment condition (or policy) information associated with the card information is provided to the customer by using the card on the card reward reinvestment system (eg, for card use). Mileage points, etc.) are used to reinvest in the investment target financial product information in response to the investment condition (or policy) information.

2 is a diagram illustrating a card issuing process for reinvesting a card reward in at least one financial product according to an embodiment of the present invention.

In more detail, in FIG. 2, in the card issuing system shown in FIG. 1, a predetermined customer is provided with a predetermined card issuing interface (e.g., at least one card issuance application, employee terminal and network means, or wired terminal and / or wireless terminal). Card rewards issued to the customer to the card issuing server 100 to the card issuing server 100 through the client terminal and the network means, etc. (for example, mileage points accumulated according to the use of the card, etc.) ) Issuing predetermined card issuing application information including investment target financial product information and / or investment condition (or policy) information for reinvesting the at least one financial product), the card issuing server 100 sends the card issuing information. Issuing a predetermined card based on the application information, the issued card information and the investment target financial product information and / or investment This is about the process of linking the condition (or policy) information to the reinvestment information D / B. If the person of ordinary skill in the art to which the present invention belongs, refer to and / or modified this card 2 Various implementation methods of issuing the card may be inferred for reinvesting a reward in at least one financial product, but the present invention includes all of the inferred implementation methods and is not limited to the implementation method shown in FIG. No.

For example, in FIG. 2, after the card is manufactured and provided (or delivered) to the customer, the card information and the investment target financial product information and / or investment condition (or policy) information are provided to the reinvestment information D / B. Although described as being stored in a cooperative process, the process of cooperatively storing the card information and the investment target financial product information and / or investment condition (or policy) information in the reinvestment information D / B according to the intention of a person skilled in the art. May be performed before the card is manufactured or before the card is manufactured (or delivered) to the customer, and the present invention is not limited thereto.

Hereinafter, in FIG. 2, the card issuing terminal 135 shown in FIG. 1 is referred to as a "terminal" for convenience, and the card issuing server 100 is referred to as a "server" for convenience.

Referring to FIG. 2, in order to issue the card to reinvest the card reward in at least one or more financial products, the customer issues a predetermined card issuance application including predetermined card issuance application information through a predetermined card issuance interface. And / or when the card issuance system shown in FIG. 1 supports a non-face-to-face card issuance application, the customer enters (or selects) predetermined card issuance application information through a predetermined client terminal. In operation 200, the card issuing application information is provided to the server through a predetermined card issuing interface.

Here, the card issuance interface preferably comprises a card issuance application written by the customer, an employee terminal used by the employee of the financial institution, and a network means for connecting the employee terminal and the server. When supporting a card issuing application in a face-to-face manner, the card issuing interface preferably includes a predetermined client terminal used by the customer and network means for connecting the client terminal and the server.

The card issuing application information provided to the server through the card issuing interface may include customer information of the card issuing customer, card product information corresponding to a card issued to the customer, and at least one or more financial products. It includes at least one information on the investment financial instruments and / or investment conditions (or policies) to request to reinvest in the.

Here, the investment target financial product information, financial products name, investment period, the rate of return for financial products, including at least one or more / deposit products, securities investment products, fund investment products, bond investment products, insurance investment products, etc. Or an interest rate), a minimum investment amount, investment amount deposit account information, and the like, and financial product investment information including information on a predetermined financial product manager operating the financial product.

According to an embodiment of the present invention, the financial product investment information of the investment target financial product information is investment information on at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, it comprises a, the customer may select at least one financial product to invest the card rewards based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include investment information on a card reward-only financial product designed to invest the card reward, and the present invention is not limited thereto.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one financial product to invest the card reward based on the financial product manager information with respect to the same (or similar) financial product investment information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

The investment condition (or policy) information may include a condition (or policy) for investing the card reward in at least one financial product operated by at least one financial product manager, and the investment condition. (Or policy) is characterized in that it comprises the investment conditions (or policies) and / or investment conditions (or policies) for each of the card rewards.

According to an embodiment of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one financial reward of card rewards that the customer accumulates (or obtains) using the card for a certain period of time. It is desirable to include an investment condition (or policy) to reinvest in at least one financial instrument managed by the manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one or more card rewards that the customer accumulates (or acquires) by using the card for one month at least one or more financial product managers. It may include an investment condition (or policy) to reinvest in financial instruments.

According to the implementation method of the present invention, the investment condition (or policy) by the amount of the investment condition (or policy) information is the card rewards earned (or obtained) by the customer using the card reaches the predetermined amount, It is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information is the credit (or acquisition) when the customer's card rewards earned (or obtained) using the card reaches 100,000 won in cash. It is preferable to include an investment condition (or policy) for reinvesting the card reward corresponding to the cash amount of 100,000 won in at least one financial product managed by at least one financial product manager.

According to the implementation method of the present invention, the investment conditions (or policies) for the period and amount of the investment condition (or policy) information are such that the card rewards earned (or obtained) by the customer using the card for a certain period of time are set to a certain amount. If so, it is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) for each term and amount of the investment condition (or policy) information is the credit (received) when the credit card earned (or obtained) by the customer for 3 months using the card is 30,000 won or less in cash. Or reinvest the acquired card rewards in financial instrument A (or at least one director's financial instrument with a minimum investment of 30,000 won), and the customer earned (or obtained) using the card for three months. If the card reward is more than 30,000 won or less than 50,000 won, reinvest the accumulated (or obtained) card rewards into financial product B (or financial instruments of at least one director whose minimum investment is less than 50,000 won), and the customer If the card rewards earned (or obtained) by using the card for 3 months are 50,000 won or more and 100,000 won or less, the card rewards (or obtained) Reinvest in a financing product C (or at least one director's financial instrument with a minimum investment of 100,000 won) and the card rewards earned (or obtained) using the card for three months with at least 100,000 won in cash. In this case, it is preferable to include an investment condition (or policy) for re-investing the accumulated (or obtained) card rewards in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). Do.

According to the present invention, the investment condition (or policy) information further comprises a distributed investment condition (or policy), wherein the distributed investment condition (or policy) is an amount corresponding to the card reward information. It consists of investing in each of the at least two financial instruments distributed.

For example, if the amount corresponding to the card reward information is 100,000 won, the diversified investment condition (or policy) is to invest 30% (= 30,000 won) of the 100,000 won in Financial Instruments A, and 30% (out of the remaining 70,000 won). It is desirable to include investment conditions (or policies) to invest 30,000 won in financial instrument B and 40% (the remaining 40,000 won) in financial instrument C.

When predetermined card issuing application information is received through the card issuing interface, the server reads the received card issuing application information to check whether the card can be issued to the customer (205).

Here, the card issuance validity check may include at least one payment means (eg, credit card payment method, debit card payment method) corresponding to the card product information included in the card issuance application information to the customer. Checking whether a card with a check card payment method, a prepaid card payment method, an electronic wallet payment method, an electronic bankbook payment method, etc. can be issued. It is done by

For example, when the credit card payment means is provided in the card, the card issuance validity check is performed by evaluating whether the credit card can be issued to the customer by evaluating the creditworthiness of the customer, or When a check card payment means (and / or debit card payment means) is provided, the card issuance validity check may be associated with the check card (and / or debit card) in a predetermined financial system associated with the card issuance system. And verifying that at least one customer financial account is open.

If the validity to issue the card to the customer is not authenticated through the card issuing application information (210), the server provides card issuing error information to the customer through the card issuing interface (215). Stop issuing the card to the customer.

If the validity to issue the card to the customer is authenticated through the card issuing application information (210), the server generates predetermined card information corresponding to the card to be issued to the customer based on the card issuing application information. (220).

The card information may include payment means information (for example, credit card payment means information, debit card payment means information, check card payment means information, and prepaid card) provided in the card. Prepaid Card) payment means information, electronic wallet (electronic wallet) payment means information, electronic bankbook (electronic bankbook) payment means information, etc.) is preferably included, and the general knowledge in the technical field to which the present invention belongs. If you have, you will be familiar with the information of each payment means corresponding to each payment means, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, if the card is an MS card, the generated card information preferably includes a data structure that can be recorded in at least one or more MS tracks provided in the MS card.

According to another embodiment of the present invention, if the card is an IC card, the generated card information preferably includes a file structure operable through a Chip Operating System (COS) provided in the IC chip.

Thereafter, the server manufactures a predetermined card having the card information through a predetermined card issuing device and provides (or delivers) the predetermined card to the customer (225).

According to an embodiment of the present invention, if the card is an MS card, the card issuing device records the card information on at least one or more MS tracks (eg, track I, track II, track III) included in the card. It is preferable to comprise a.

According to another embodiment of the present invention, if the card is an IC card, the card issuing device preferably includes an apparatus for recording the card information in a memory provided in the IC chip of the card.

Thereafter, the server extracts the investment target financial product information and / or investment condition (or policy) information from the card issuing application information provided from the customer through the card issuing interface (230), and the generated card information and The investment target financial product information and / or investment condition (or policy) information are linked and stored in the reinvestment information D / B (235).

According to an embodiment of the present invention, the reinvestment information D / B is provided in a DBMS on a predetermined financial system provided on the card reward reinvestment system (or associated with the card reward reinvestment system), and / or the card It is preferable to be provided in a predetermined DBMS linked to a server (or device) that performs a predetermined information processing function using the investment target financial product information and / or investment condition (or policy) information on the reward reinvestment system.

Here, the investment target financial product information and / or investment condition (or policy) information stored in the reinvestment information D / B is provided to the customer by using the card on the card reward reinvestment system (eg, a card). Mileage points, etc. according to use) are used to reinvest in the investment target financial product information corresponding to the investment condition (or policy) information.

3 is a diagram illustrating a system configuration for reinvesting a card reward previously issued to a customer in at least one financial product according to another embodiment of the present invention.

In more detail, Figure 3 shows a customer card information and investment target financial product information for a predetermined customer to reinvest card rewards according to the present invention into at least one financial product through a card reward reinvestment system through a predetermined information registration interface. And / or providing the investment condition (or policy) information, the card reward reinvestment system links the provided customer card information, the target financial product information and / or the investment condition (or policy) information to a predetermined reinvestment information D / B. The present invention relates to a system configuration for processing and storing information, and a person of ordinary skill in the art may refer to and / or modify the drawing 3 to reinvest card rewards into at least one financial product. Various implementation methods for the configuration may be inferred, but the present invention is inferred from the above It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, customer card information, investment financial product information, and / or investment condition (or policy) information provided from the customer through a predetermined information registration interface on the information registration system shown in FIG. Components corresponding to at least one or more means and / or functional configurations for storage in the " information registration server 300 "

Referring to FIG. 3 according to an embodiment of the present invention, an information registration system for reinvesting a card reward according to the present invention into at least one or more financial products includes a teller terminal provided in at least one or more financial institution branches, and / or And an information registration terminal including at least one of a client terminal including at least one of a wired terminal and / or a wireless terminal used by a customer, wherein the information registration terminal comprises the card through a predetermined network means. The communication channel is connected to the information registration server 300 provided on the reward reinvestment system.

According to one embodiment of the invention, the customer visits the financial institution branch to reinvest card rewards according to the invention in at least one or more financial products and through a window (or teller) provided at the financial institution branch. Fill out a prescribed application for reinvesting card rewards in at least one financial instrument (e.g., a document with a form for filling in at least one item of information for reinvesting the card rewards in at least one financial instrument) When the completed application is submitted to the counter clerk, the counter clerk inputs (or selects) the information written in the application through a predetermined counter terminal, and the counter terminal displays the input (or selected) information. Transmission through the network means to the information registration server 300 provided on the card reward reinvestment system It is preferable.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 300 connected to the teller terminal is ledger provided on the predetermined financial system It is preferable to include a server, wherein the network means for connecting the teller terminal and the information registration server 300 is a financial network (for example, the network) connecting the communication channel between the teller terminal and the information registration server 300 It is preferable to comprise a.

In the information registration system as described above, the application prepared by the customer, the teller terminal used by the teller and the financial network connecting the teller terminal and the information registration server 300 is the card according to the present invention. In order to reinvest the reward in at least one financial product, the information registration interface for registering customer card information, investment target financial product information, and / or investment condition (or policy) information is performed.

According to another exemplary embodiment of the present invention, the customer accesses the information registration server 300 through at least one client terminal of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network. Customer card information, investment target financial product information, and / or investment conditions for reinvesting the card reward according to the present invention into at least one financial product through at least one user interface provided by the information registration server 300. Policy) information is input (or selected), and preferably transmitted from the client terminal to the information registration server 300 provided on the card reward reinvestment system through a predetermined network means.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer and / or connected to the TCP / IP based communication network. At least one notebook or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP-based communication network or a kiosk connected to the TCP / IP-based communication network It is preferable to make.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

In addition, the information registration server 300 connected to the client terminal is any one of an Internet banking server and / or a wireless banking server and / or a tele banking server and / or TV banking server according to the characteristics of the client terminal and network means. Or, and / or comprises a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the information registration server 300 is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / depending on the type of wireless network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 300, and inputs and / or selects at least one or more information through the user interface to the information registration server 300. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 300, etc.) is provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the client terminal corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof is omitted for convenience. do.

In the information registration system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired network connecting the client terminal and the information registration server 300 and And / or the wireless network is an information registration interface for the customer to register customer card information, investment target financial product information and / or investment condition (or policy) information in order to reinvest card rewards according to the invention in at least one financial product. Perform the function of

According to another exemplary embodiment of the present invention, the information registration terminal is an automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network) in addition to the counter terminal and / or the client terminal. , A financial automatic machine (not shown) including a cash dispenser (CD), and / or a Public Switched Telephone Network (PSTN), Voice over IP (VoIP) network It may further comprise a predetermined call terminal (not shown) connected to a wired telephone network such as, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or And / or a terminal (and / or server) (not shown) provided in at least one or more institutions affiliated with the financial institution, whereby the present invention is not limited thereto. .

In the information registration system as described above, when the information registration terminal is the automatic teller machine (not shown), the automatic teller machine (not shown) and the automatic teller machine (not shown) and the information registration server 300. The financial network connecting the registration information for registering the customer card information and the target financial product information and / or investment conditions (or policies) information for the customer to reinvest the card rewards according to the invention in at least one financial product And / or when the information registration terminal is the call terminal (not shown), connects the call terminal (not shown) and the call terminal (not shown) to the information registration server 300. The wired telephone network and / or the wireless telephone network may be used by the customer to reinvest the card reward according to the present invention in at least one financial product. A terminal (and / or terminal) provided to an institution affiliated with the financial institution that is the information registration terminal and / or performs a function of an information registration interface for registering investment target financial product information and / or investment condition (or policy) information. Or a server (not shown), the network connecting the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the information registration server 300 is the customer. In order to reinvest the card reward according to the present invention in at least one or more financial products, it functions as an information registration interface for registering customer card information, investment target financial product information, and / or investment condition (or policy) information.

The reinvestment information D / B provided on the card reward reinvestment system according to the present invention associates the customer card information provided from the information registration terminal with the investment target financial product information and / or investment condition (or policy) information. And the customer card information and the investment target financial product information and / or the investment condition (or policy) information stored in the reinvestment information D / B, the financial institution window, and / or the internet banking system, and / or Or through a banking system of at least one of a telebanking system, and / or a wireless banking system, and / or a TV banking system.

According to one embodiment of the invention, the reinvestment information D / B is preferably provided in a DBMS on a financial system provided on the card reward reinvestment system (or associated with the card reward reinvestment system), wherein The reinvestment information D / B may be ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the reinvestment information D / B is provided on (or associated with) the card reward reinvestment system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 300 provided on the card reward reinvestment system according to the present invention is a generic term for the components of the card reward reinvestment system connected to the information registration terminal through a predetermined network means, and includes at least one server ( Or an apparatus) and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, when the information registration terminal is a window terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the information registration server 300 may be configured to connect to the predetermined financial network. A ledger server provided on a financial system connected to a teller terminal and / or an automated teller machine (not shown), and / or a server (or device) provided to the outside world on the financial system, and / or on the financial system It may be a program provided in the external system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 300 is A predetermined server (or an internet banking server provided on the internet banking system, and / or a program provided in the internet banking server), and / or a predetermined server (or accessible to the external system of the financial system through the internet banking system). Device), a program included in the server (or device), and / or a server (or externally located on the financial system accessible through the internet banking server (and / or the server (or device)). Device) and / or a program provided to the external world on the financial system, whereby the present invention It is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 300 is configured on the wireless banking system. Or a predetermined server (or device) accessible to an external system of the financial system through the wireless banking system, and / or a program provided in the wireless banking server, and / or a program provided in the wireless banking server. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)), or And / or a program provided in the external system on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 300 is on the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server), and / or a program provided in the telebanking server, and / or access to the external system of the financial system through the telebanking system. Any server (or device) possible, a program provided on the server (or device), and / or an external system on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external world on the financial system, whereby the present invention is not limited The.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 300 is the TV banking system. A predetermined TV banking server provided on, and / or a program provided on the TV banking server, and / or a predetermined server (or device) accessible to the outside world of the financial system through the TV banking system. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the TV banking server (and / or the server (or device)). And / or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to the embodiment of the present invention, the information registration server 300 is characterized in that it comprises an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an embodiment of the present invention, when the information registration terminal is a window terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the interface unit 305 is a protocol stack defined in the financial network. A communication protocol defined in a financial transaction related program included in the window terminal and / or the financial automatic device (not shown) and connecting a predetermined communication channel with the counter terminal and / or the financial automated device (not shown) It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data).

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 305 is the wired terminal. At least one information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a network and / or a wireless network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmission and reception.

For example, if the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 305 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when the client terminal is provided with a communication program provided by the information registration server 300 (eg, an internet banking program), the interface unit 305 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 305 is based on a protocol stack defined in the wireless network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 305 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 300, the interface unit 305 is connected with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 305 is connected to the wired telephone network and / or a wireless telephone network. It is preferable to connect the call terminal (not shown) with a predetermined call path based on a defined voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 305 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 3, when the predetermined information registration terminal is connected to the information registration server 300 through the interface unit 305, the information registration server 300 cooperates with the interface unit 305 to provide the information. Generate (or extract) a predetermined user interface for inputting (or selecting) predetermined customer card information, investment target financial product information, and / or investment condition (or policy) information from the registration terminal to the information registration terminal. Provided with the interface providing unit 310 and the interface unit 305, the predetermined customer card information and investment target financial product information input (or selected) and transmitted from the information registration terminal through the user interface and / Or an information receiving unit 315 for receiving investment condition (or policy) information, the received customer card information, investment target financial product information and / or investment condition (or policy). Characterized in that it comprises an information storage unit 320 for storing the information by linking the re-investigation information D / B.

According to the present invention, the investment target financial product information, financial product name, investment period for the financial product including at least one or more products, securities investment products, fund investment products, bond investment products, insurance investment products, etc. And financial product investment information including at least one or more of a yield (or an interest rate), a minimum investment amount, investment amount deposit account information, and predetermined financial product manager information for operating the financial product.

According to an embodiment of the present invention, the financial product investment information of the investment target financial product information is investment information on at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, it comprises a, the customer may select at least one financial product to invest the card rewards based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include investment information on a card reward-only financial product designed to invest the card reward, and the present invention is not limited thereto.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one financial product to invest the card reward based on the financial product manager information with respect to the same (or similar) financial product investment information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

According to the present invention, the investment condition (or policy) information preferably comprises a condition (or policy) for investing the card reward in at least one financial product operated by at least one financial product manager, The investment condition (or policy) is characterized by including the investment condition (or policy) and / or investment condition (or policy) for each amount of the card reward.

According to an embodiment of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one financial reward of card rewards that the customer accumulates (or obtains) using the card for a certain period of time. It is desirable to include an investment condition (or policy) to reinvest in at least one financial instrument managed by the manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one or more card rewards that the customer accumulates (or acquires) by using the card for one month at least one or more financial product managers. It may include an investment condition (or policy) to reinvest in financial instruments.

According to the implementation method of the present invention, the investment condition (or policy) by the amount of the investment condition (or policy) information is the card rewards earned (or obtained) by the customer using the card reaches the predetermined amount, It is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information is the accumulation (or acquisition) when the card rewards earned (or obtained) using the card reaches 100,000 won in cash. It is preferable to include an investment condition (or a policy) for reinvesting the card reward corresponding to the cash amount of 100,000 won in at least one financial product managed by at least one financial product manager.

According to the implementation method of the present invention, the investment conditions (or policies) for the period and amount of the investment condition (or policy) information are such that the card rewards earned (or obtained) by the customer using the card for a certain period of time are set to a certain amount. If so, it is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) for each term and amount of the investment condition (or policy) information is the credit (received) when the credit card earned (or obtained) by the customer for 3 months using the card is 30,000 won or less in cash. Or reinvest the acquired card rewards in financial instrument A (or at least one director's financial instrument with a minimum investment of 30,000 won), and the customer earned (or obtained) using the card for three months. If the card reward is more than 30,000 won or less than 50,000 won, reinvest the accumulated (or obtained) card rewards into financial product B (or financial instruments of at least one director whose minimum investment is less than 50,000 won), and the customer If the card rewards earned (or obtained) by using the card for 3 months are 50,000 won or more and 100,000 won or less, the card rewards (or obtained) Reinvest in a financing product C (or at least one director's financial instrument with a minimum investment of 100,000 won) and the card rewards earned (or obtained) using the card for three months with at least 100,000 won in cash. In this case, it is preferable to include an investment condition (or policy) for re-investing the accumulated (or obtained) card rewards in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). Do.

According to the present invention, the investment condition (or policy) information further comprises a distributed investment condition (or policy), wherein the distributed investment condition (or policy) is an amount corresponding to the card reward information. It consists of investing in each of the at least two financial instruments distributed.

For example, if the amount corresponding to the card reward information is 100,000 won, the diversified investment condition (or policy) is to invest 30% (= 30,000 won) of the 100,000 won in Financial Instruments A, and 30% (out of the remaining 70,000 won). It is desirable to include investment conditions (or policies) to invest 30,000 won in financial instrument B and 40% (the remaining 40,000 won) in financial instrument C.

The interface providing unit 310, when a predetermined information registration terminal is connected to the information registration server 300 through the interface unit 305, corresponding to the functional configuration provided in the information registration terminal and the customer card information; Generate a predetermined user interface capable of inputting (or selecting) investment target financial product information and / or investment condition (or policy) information to the information registration server 300 through the network means, and / or Extract from a database (not shown), and provide the generated (or extracted) user interface to the information registration terminal through the network means in association with the interface unit 305.

According to an embodiment of the present invention, when the user interface for inputting (or selecting) the investment condition (or policy) information inputs (or selects) the investment condition (or policy) for each period of the card reward, Preferably, the user interface for inputting (or selecting) investment conditions (or policies) for each earning (or obtaining) period includes a user interface for inputting (or selecting) a period for accumulating (or obtaining) the card reward. And a user interface for recommending at least one financial instrument capable of reinvesting the card rewards in response to the input (or selected) period, and at least one or more target financial instruments from the recommended at least one financial instrument. Preferably comprises a user interface for input (or selection). .

According to another embodiment of the present invention, a user interface for inputting (or selecting) the investment condition (or policy) information may input (or select) the investment condition (or policy) for the amount of credit (or acquisition) of the card reward. In this case, the user interface for inputting (or selecting) the investment conditions (or policies) for each amount of the card rewards may include converting the amount of money (eg, the value of the card rewards into cash) corresponding to the minimum card reward in which the reinvestment occurs. And a user interface for inputting (or selecting) an amount, and at least one financial instrument (eg, the financial instrument) capable of reinvesting the card reward in response to the input (or selection). At least one of the minimum investment amount of the investment information within the amount corresponding to the card reward It comprises a financial instrument) the user interface and the like, and the like inputted at least one investment instrument from among at least one or more financial instruments (or selected) user interface that is preferred.

According to another exemplary embodiment of the present invention, a user interface for inputting (or selecting) the investment condition (or policy) information may input (or obtain) the investment condition (or policy) for each period of accumulation (or acquisition) and amount of the card reward. , The user interface for inputting (or selecting) the period of acquiring (or acquiring) the card rewards and the investment conditions (or policies) for each amount of money, inputting at least one or more periods for acquiring (or acquiring) the card rewards. (Or select) a user interface and at least one amount (e.g., the value of the card reward) corresponding to the minimum card reward at which the reinvestment occurs in response to the input (or selected) accumulation (or acquisition) period. And a user interface for inputting (or selecting) the amount converted into cash. At least one financial instrument (e.g., a minimum investment amount of the financial instrument investment information) that is capable of reinvesting the card reward in correspondence with the at least one accumulated (or selected) period (or acquisition) and amount. And a user interface for recommending at least one financial instrument corresponding to a corresponding amount within a corresponding amount, and a user interface for inputting (or selecting) at least one or more investment financial instruments among the recommended at least one financial instrument. desirable.

Thereafter, the information registration terminal inputs (or selects) the customer card information, the investment target financial product information, and / or investment condition (or policy) information based on the user interface, and the input (or selected) customer card. Information and the investment target financial product information and / or investment condition (or policy) information are transmitted to the information registration server 300 through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a window terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the interface providing unit 310 may allow the window terminal and / or financial. Generate (or extract) a predetermined user interface that can be provided by a financial transaction related program included in an automated device (not shown), and generate the generated (or extracted) user interface through the interface unit 305 at the window terminal and It is desirable to provide a financial automated device (not shown).

According to another exemplary embodiment of the present disclosure, when the information registration terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 310 may be configured as described above. Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and converts the generated (or extracted) user interface to the client terminal through the interface unit 305. It is desirable to provide.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 310 is a browser program provided in the client terminal and / Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 310 is connected to the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and provides the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 305. It is desirable to.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 310 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 305.

The information receiving unit 315 inputs (or selects) predetermined customer card information, investment target financial product information, and / or investment condition (or policy) information through the user interface in the information registration terminal through the network means. When the transmission, in conjunction with the interface unit 305 to receive the customer card information and the investment target financial product information and / or investment condition (or policy) information, the received customer card information and the investment target finance Product information and / or investment condition (or policy) information is provided to the information storage unit 320.

The information storage unit 320 processes the customer card information received through the information receiving unit 315 and the investment target financial product information and / or investment condition (or policy) information and stores the information in the reinvestment information D / B. When the reinvestment information D / B is provided in the information registration server 300 or on the network associated with the information registration server 300, the information storage unit 320 is the It is preferable to store the received customer card information, investment target financial product information, and / or investment condition (or policy) information in association with the reinvestment information D / B, and the reinvestment information D / B is stored on the financial system. When provided in the provided DBMS, the information storage unit 320 transfers the received customer card information and the investment target financial product information and / or investment condition (or policy) information to the information system through the external system on the financial system It is desirable to provide and store.

4 is a diagram illustrating an information registration process for reinvesting a card reward previously issued to a customer in at least one financial product according to another embodiment of the present invention.

In more detail, FIG. 4 illustrates a case where the client terminal accesses the information registration server 300 when the information registration server 300 on the information registration system shown in FIG. 3 has a web server function. After connecting the communication channel for information registration according to the above, the communication channel containing the customer card information and the investment target financial product information and / or investment condition (or policy) information to the information registration server 300 through the communication channel When the reinvestment application information of the card reward is transmitted, the information registration server 300 relates to an implementation method of linking and processing the received reinvestment application information of the card reward to a predetermined reinvestment information D / B, the present invention Those skilled in the art may refer to and / or modify this drawing to modify the car from the client terminal to the information registration server 300. Various implementation methods for registering the reward information of the reinvestment application may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the client terminal shown in FIG. 3 is referred to as "terminal" for convenience, and the information registration server 300 shown in FIG. The customer card information, the investment target financial product information, and / or investment condition (or policy) information transmitted to the server 300 are referred to as "reinvestment application information for card reward" for convenience.

Referring to Figure 4, the client terminal shown in Figure 3 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for accessing the server through a communication network, and / or an IEEE 802.16x based portable Internet, etc., to register reinvestment application information of the card reward, and reinvest the card reward in at least one financial product. When requesting to register the reinvestment application information of the card rewards (400), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the reinvestment application information of the card rewards (405). In operation 410, the generated (or extracted) web page is transmitted to the terminal through the communication channel.

According to an embodiment of the present invention, the information registration interface inputs reinvestment application information of card rewards including at least one of the customer card information, the investment target financial product information, and / or investment condition (or policy) information in the terminal. It is preferable to include a user interface (or selection).

In addition, the web page transmission and / or output process is preferably performed at least one or more times according to the re-investment application information registration procedure of the card reward, thereby not limited to the present invention.

According to an embodiment of the present invention, when the user interface for inputting (or selecting) the investment condition (or policy) information inputs (or selects) the investment condition (or policy) for each period of the card reward, Preferably, the user interface for inputting (or selecting) investment conditions (or policies) for each earning (or obtaining) period includes a user interface for inputting (or selecting) a period for accumulating (or obtaining) the card reward. And a user interface for recommending at least one financial instrument capable of reinvesting the card rewards in response to the input (or selected) period, and at least one or more target financial instruments from the recommended at least one financial instrument. Preferably comprises a user interface for input (or selection). .

According to another exemplary embodiment of the present invention, a user interface for inputting (or selecting) the investment condition (or policy) information may input (or select) the investment condition (or policy) for each amount of credit (or acquisition) of the card reward. In this case, the user interface for inputting (or selecting) the investment conditions (or policies) for each amount of the card rewards may convert the amount (eg, the value of the card rewards into cash) corresponding to the minimum card reward in which the reinvestment occurs. And a user interface for inputting (or selecting) an amount, and at least one financial product (eg, the finance) that can reinvest the card reward in response to the input (or selection). At least one of the minimum investment amount of the product investment information falls within the amount corresponding to the card reward It comprises a financial instrument) the user interface and the like, and the like inputted at least one investment instrument from among at least one or more financial instruments (or selected) user interface that is preferred.

According to another exemplary embodiment of the present invention, a user interface for inputting (or selecting) the investment condition (or policy) information may input (or obtain) the investment condition (or policy) for each period of accumulation (or acquisition) and amount of the card reward. , The user interface for inputting (or selecting) the period of acquiring (or acquiring) the card rewards and the investment conditions (or policies) for each amount of money, inputting at least one or more periods for acquiring (or acquiring) the card rewards. (Or select) a user interface and at least one amount (e.g., the value of the card reward) corresponding to the minimum card reward at which the reinvestment occurs in response to the input (or selected) accumulation (or acquisition) period. And a user interface for inputting (or selecting) the amount converted into cash. At least one financial instrument (e.g., a minimum investment amount of the financial instrument investment information) that is capable of reinvesting the card reward in correspondence with the at least one accumulated (or selected) period (or acquisition) and amount. And a user interface for recommending at least one financial instrument within a corresponding amount, and a user interface for inputting (or selecting) at least one or more investment financial instruments from the recommended at least one financial instrument. Do.

Thereafter, the terminal inputs (or selects) at least one or more customer card information, investment target financial product information, and / or investment condition (or policy) information through the information registration interface (415).

According to the present invention, the investment target financial product information, financial product name, investment period for the financial product including at least one or more products, securities investment products, fund investment products, bond investment products, insurance investment products, etc. And financial product investment information including at least one or more of a yield (or an interest rate), a minimum investment amount, investment amount deposit account information, and predetermined financial product manager information for operating the financial product.

According to the method of the present invention, the investment in the financial product investment information of the investment target financial product information is invested in at least one or more financial products managed by at least one financial product manager (eg, bank, investment company, securities company, insurance company, etc.) Preferably, the information is included, and the customer may select at least one financial product to invest the card reward based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include investment information on a card reward-only financial product designed to invest the card reward, and the present invention is not limited thereto.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one financial product to invest the card reward based on the financial product manager information with respect to the same (or similar) financial product investment information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

According to the present invention, the investment condition (or policy) information preferably comprises a condition (or policy) for investing the card reward in at least one financial product operated by at least one financial product manager, The investment condition (or policy) is characterized by including the investment condition (or policy) and / or investment condition (or policy) for each amount of the card reward.

According to an embodiment of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one financial reward of card rewards that the customer accumulates (or obtains) using the card for a certain period of time. It is desirable to include an investment condition (or policy) to reinvest in at least one financial instrument managed by the manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one or more card rewards that the customer accumulates (or acquires) by using the card for one month at least one or more financial product managers. It may include an investment condition (or policy) to reinvest in financial instruments.

According to the implementation method of the present invention, the investment condition (or policy) by the amount of the investment condition (or policy) information is the card rewards earned (or obtained) by the customer using the card reaches the predetermined amount, It is desirable to include an investment condition (or policy) for re-investing the accumulated (or acquired) card rewards in at least one or more financial products operated by at least one financial product manager.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information is the accumulation (or acquisition) when the card rewards earned (or obtained) using the card reaches 100,000 won in cash. It is preferable to include an investment condition (or a policy) for reinvesting the card reward corresponding to the cash amount of 100,000 won in at least one financial product managed by at least one financial product manager.

According to the implementation method of the present invention, the investment conditions (or policies) for the period and amount of the investment condition (or policy) information are such that the card rewards earned (or obtained) by the customer using the card for a certain period of time are set to a certain amount. If so, it is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) for each term and amount of the investment condition (or policy) information is the credit (received) when the credit card earned (or obtained) by the customer for 3 months using the card is 30,000 won or less in cash. Or reinvest the acquired card rewards in Financial Instruments A (or at least one director's financial instrument with a minimum investment of 30,000 KRW), and the client accumulates (or acquires) the card for 3 months. If one card reward is more than 30,000 won or less than 50,000 won, reinvest the accumulated (or obtained) card rewards into financial product B (or at least one financial instrument whose minimum investment is less than 50,000 won); If the card rewards earned (or earned) using the card for 3 months are from 50,000 won to 100,000 won in cash, the card rewards earned (or obtained) Reinvest in a financing product C (or at least one director's financial instrument with a minimum investment of 100,000 won) and the card rewards earned (or obtained) using the card for three months with at least 100,000 won in cash. In this case, it is preferable to include an investment condition (or policy) for re-investing the accumulated (or obtained) card rewards in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). Do.

According to the present invention, the investment condition (or policy) information further comprises a distributed investment condition (or policy), wherein the distributed investment condition (or policy) is an amount corresponding to the card reward information. It consists of investing in each of the at least two financial instruments distributed.

For example, if the amount corresponding to the card reward information is 100,000 won, the diversified investment condition (or policy) is to invest 30% (= 30,000 won) of the 100,000 won in Financial Instruments A, and 30% (out of the remaining 70,000 won). It is desirable to include investment conditions (or policies) to invest 30,000 won in financial products B and 40% (the remaining 40,000 won) in financial products C.

If the terminal receives (or selects) reinvestment application information of the card reward including the customer card information, the investment target financial product information, and / or investment condition (or policy) information through the information registration interface (420), The terminal transmits the input (or selection) of the customer card information and the investment target financial product information and / or investment condition (or policy) information to the server through the financial transaction channel (425).

According to an embodiment of the present invention, transmitting the input (or selection) of the customer card information, the investment target financial product information, and / or the investment condition (or policy) information to the server through the financial transaction channel is the information. Electronic card signature and / or encryption is transmitted to the server through the security module provided in the terminal, and the customer card information and the investment target financial product information and / or investment condition (or policy) information input (or selected) through the registration interface. It can be made further comprising.

Thereafter, the server confirms the validity of the reinvestment application information of the card reward by receiving and reading the customer card information, the investment target financial product information, and / or the investment condition (or policy) information through the financial transaction channel. (430).

According to the method of the present invention, receiving and reading the reinvestment application information of the card reward through the financial transaction channel to confirm the validity, the customer card information and the investment target financial product information and / or investment received from the terminal And decrypting the condition (or policy) information and / or confirming the electronic signature attached to the customer card information and the investment target financial product information and / or the investment condition (or policy) information.

If the validity of the reinvestment application information of the card reward is not authenticated (435), the server generates a web page including predetermined information registration error information and transmits it to the terminal (440), and reinvests the card reward. Do not perform the information registration procedure corresponding to the application information.

On the other hand, if the validity of the reinvestment application information of the card reward is authenticated (435), the server performs the information registration procedure corresponding to the reinvestment application information of the card reward, thereby the customer card information and the investment target financial product information and / Or by linking and processing the investment condition (or policy) information in the predetermined reinvestment information D / B (445), and generating and transmitting a web page including the predetermined information registration history information to the terminal (450). Complete the procedure of registering the reinvestment application information of the card reward requested from the terminal.

According to an embodiment of the present invention, the reinvestment information D / B is located in a DBMS provided on the card reward reinvestment system, and / or in a DBMS provided on a financial system linked to the Internet banking system. All are possible, and the present invention is not limited thereby.

5 is a diagram illustrating a card reward reinvestment system configuration according to an embodiment of the present invention.

In more detail, Figure 5 shows a predetermined reward information by generating a card reward information corresponding to the card payment when a predetermined customer payment processing through the card issued to the customer through the card issuing system shown in Figure 1 After storing in the D / B, based on the customer card information and the financial product information and / or investment condition (or policy) information stored and linked to the re-investment information D / B shown in Figure 1 and / or Figure 3 The present invention relates to a system for reinvesting an amount corresponding to the card reward information into at least one financial product corresponding to the investment target financial product information according to the investment condition (or policy) information. Those skilled in the art may refer to and / or modify this drawing 5 to process the linkage to the reinvestment information D / B shown in the drawings 1 and / or 3 above. It is possible to infer various system configurations for reinvesting an amount corresponding to the card reward information based on the stored customer card information, the investment target financial product information and / or the investment condition (or policy) information. It includes all the additional implementation methods, and is not limited to the implementation method shown in FIG.

For example, the card reward reinvestment system shown in FIG. 5 is an implementation method in which the investment target financial product can be operated only by a predetermined financial system such as securities investment product or savings product, and corresponds to the card reward information. Although the amount of money is illustrated as reinvesting through the financial system, the system for reinvesting the amount of money corresponding to the card reward information is based on a predetermined security system when the target financial product is a securities investment product according to the intention of a person skilled in the art. It is evident that it further comprises, and / or if the investment target financial product is an insurance investment product, it is evident that the system for reinvesting the amount corresponding to the card reward information further comprises a predetermined insurance system. The present invention is not limited by this.

Here, those skilled in the art (for example, financial experts, securities specialists, insurance specialists), because you will be familiar with the technical features of the securities system and / or insurance system, Detailed description is omitted for convenience.

For example, the card reward reinvestment system shown in FIG. 5 illustrates a card payment system for accumulating and storing the card reward information as a card payment system corresponding to an offline merchant, but the card payment system is shown in FIG. It is by no means limited to a card payment system corresponding to the offline merchant shown, the card payment system is a payment system of any kind through a card issued to the customer through the card issuing system shown in Figure 1 (eg, Online payment system, wireless payment system).

Here, those skilled in the art (for example, financial specialists, securities specialists, insurance specialists), because you will be familiar with the technical features of the various payment and payment systems through the card, the details of this Description is omitted for convenience.

Referring to FIG. 5 according to an embodiment of the present invention, the card reward reinvestment system may allow a predetermined customer to settle the card when processing payment through a card issued to the customer through the card issuing system shown in FIG. A card payment system for generating card reward information corresponding to the card information and processing the card information in association with the card information and storing the card reward information in predetermined reward information D / B, and the card reward information stored in the reward information D / B through the card payment system. Corresponding to the card reward information on the basis of the customer card information and the investment financial product information and / or investment condition (or policy) information stored in association with the reinvestment information D / B shown in Figure 1 and / or Figure 3 The amount is transferred to at least one financial product corresponding to the investment target financial product information according to the investment condition (or policy) information. It comprises a financial product investment system to invest.

In FIG. 5, the card payment system includes a payment terminal provided in at least one offline affiliated store, a predetermined payment network (eg, a value added network (VAN)) to which the payment terminal is connected for payment processing. And a payment server 530 connected to the payment terminal through the payment network and processing the approval of the payment approval request requested from the payment terminal.

The payment terminal is characterized in that it comprises a CAT (Credit Authorization Terminal) and / or POS (Point Of Sales) terminal provided in at least one offline merchant for card payment processing.

According to the method of the present invention, the payment terminal is a predetermined payment means information (for example, credit card (Credit Card) from the card issued to the customer through the card issuing system shown in Figure 1 when the card payment processing in the merchant; Card Payment Method Information, Debit Card Payment Method Information, Check Card Payment Method Information, Prepaid Card Payment Method Information, Electronic Wallet Payment Method Information, Electronic Bank Account Bankbook) payment means information, etc.), and generates a predetermined payment approval request full text including the payment means information, predetermined payment information (e.g., payment amount, installment months, etc.), merchant information, and the like. Characterized in that for transmitting the complete payment approval request to the payment server 530 through the payment network.

The payment terminal may receive a predetermined payment approval text including a payment processing history corresponding to the payment approval result from the payment server 530 through the payment network. Characterized in that the predetermined payment processing included in the screen output and / or print output.

The payment network communicates at least one payment terminal provided in at least one affiliated store and a predetermined payment server 530 provided in a card issuer that issued the card to the customer through the card issuing system shown in FIG. It is characterized by connecting.

According to an embodiment of the present invention, when the payment network transmits a predetermined payment approval request message from the payment terminal when the card payment processing is performed at the affiliated store, the payment approval request message (or the full text of the payment approval request) is read. Check the predetermined payment server 530 to relay the payment approval request information), characterized in that for transmitting the full payment approval request (or payment approval request information) to the confirmed payment server 530.

In addition, when a predetermined payment approval text (or payment approval information) including a payment processing history corresponding to the payment approval result is transmitted from the payment server 530, the payment approval text (or payment approval) is transmitted. Information) to check the predetermined payment terminal to be relayed, and relays the full payment approval request message to the confirmed payment terminal.

The payment server 530 is characterized in that the communication connection with at least one or more payment terminals provided in at least one or more merchants through the payment network, when the payment approval request from the payment terminal through a predetermined payment approval request, And performing a predetermined payment approval procedure corresponding to the payment approval request.

The payment server 530 may generate a predetermined payment approval text (or payment approval information) including a payment processing history corresponding to the payment approval result, and the generated payment approval text (or payment). And approval information) to the payment terminal through the payment network.

According to the present invention, while the payment server 530 performs the payment approval procedure as described above (or after performing the payment approval procedure), if the payment processing is approved, the payment server 530 is a predetermined card. According to a reward policy (not shown), predetermined card reward information (eg, mileage points corresponding to a card payment amount) corresponding to the payment processing details is generated, and the generated card reward information is sent to the entire payment approval request. It is characterized in that the link processing with the predetermined card information corresponding to the information included payment means stored in the predetermined reward information D / B.

Referring to FIG. 5, the payment server 530 may include a payment approval unit 535 for performing a payment approval procedure requested by the payment terminal, and upon approval of the payment by the payment approval unit 535. An information generation unit 540 for generating card reward information corresponding to a payment processing history, and an information storage unit 545 for processing the generated card reward information in association with the card information and storing the reward information in a predetermined reward information D / B. It characterized by comprising a.

When a card payment processing is performed at at least one merchant, if a predetermined payment approval request text is generated at the payment terminal and transmitted through the payment network, the payment approval unit 535 transmits the payment approval request through the payment network. Characterized in that it receives the full text (or payment approval request information), payment approval processing information including at least one or more payment means information and payment information required for the payment approval from the payment approval request message (or payment approval request information) And extracting a predetermined payment approval procedure based on the payment approval processing information.

According to an embodiment of the present invention, when the payment means information included in the full payment approval request (or payment approval request information) includes credit card information, the payment approval unit 535 based on the credit card information. It is preferable to query the credit limit of the credit card customer, and to approve payment processing for the payment amount included in the payment information based on the credit limit.

According to another embodiment of the present invention, when the payment means information included in the full payment approval request (or payment approval request information) includes check card information and / or debit card information, the payment approval unit 535 It is preferable to query a predetermined customer financial account balance associated with the check card information and / or debit card information, and approve payment processing for the payment amount included in the payment information based on the balance inquiry result.

Those skilled in the art will be familiar with the various payment approval methods corresponding to the payment means information, in addition to the payment approval method described above, the detailed description thereof will be omitted for convenience.

If a predetermined payment error occurs in the process of performing the payment approval procedure, the payment approval unit 535 generates a predetermined payment processing history including a predetermined payment error detail corresponding to the payment error, A predetermined payment approval text (or payment approval information) including a payment processing history is generated and transmitted to the payment terminal through the payment network.

On the other hand, if the payment approval process is normally processed, the payment approval unit 535 generates a predetermined payment processing history including a predetermined payment approval history, and includes a predetermined payment approval full text (or payment) including the payment processing history. Authorization information) is generated and transmitted to the payment terminal through the payment network.

While the payment approval unit performs the payment approval procedure as described above (or after performing the payment approval procedure), if the payment processing is approved, the information generating unit 540 may be in accordance with a predetermined card reward policy (not shown). Accordingly, predetermined card reward information (eg, mileage points corresponding to the card payment amount) corresponding to the payment processing details (or payment approval details) may be generated.

If the person of ordinary skill in the art of the present invention belongs to the technical feature to generate predetermined card reward information (for example, mileage points corresponding to the card payment amount) corresponding to the payment processing details (or payment approval details) Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the card reward information is generated by the information generation unit 540, the information storage unit 545 stores predetermined card information corresponding to the payment means information used in the process of the payment approval unit performing the payment approval procedure. And extract the card information and the card reward information generated by the information generating unit 540 and store the same in the predetermined reward information D / B.

Here, the card reward information stored in the reward information D / B may be stored in the date and time information (for example, the date, month, hour, minute, and second) in which the card reward is generated by the information generator 540, and the information generator 540. It is desirable to include the card reward value (e.g., mileage points) generated by.

According to an exemplary embodiment of the present invention, the card reward information stored in the reward information D / B may include investment amount withdrawal account information in which an amount corresponding to the card reward information generated by the information generator 540 is deposited. It is preferable that it further comprises.

According to another exemplary embodiment of the present invention, the investment manager server 500 is familiar with the investment amount withdrawal account information, and / or the investment amount withdrawal account information is registered in the investment manager server 500. In this case, the investment amount withdrawal account information may be omitted from the card reward information stored in the reward information D / B, and the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the information generating unit 540 generates card reward information corresponding to the payment approval details, and / or the information storage unit 545 generates the card information and the card reward information. The process of linking and storing the reward information D / B is repeatedly performed in the process of performing at least one payment procedure through the card issued to the customer through the card issuing system shown in FIG. desirable.

The card reward information stored in association with the card information in the reward information D / B is used in a process of reinvesting an amount corresponding to the card reward information in at least one or more investment target financial products in the financial product investment system. do.

In FIG. 5, the financial product investment system includes reinvestment information D / B for linking and storing the customer card information, investment target financial product information, and / or investment condition (or policy) information, and reward information on the card payment system. The card reward information stored in the D / B and the customer card information and the financial object information and / or investment condition (or policy) stored in association with the reinvestment information D / B shown in FIGS. 1 and / or 3 are stored. And an investment manager server 500 for reinvesting an amount corresponding to the card reward information based on the information into at least one financial product corresponding to the investment target financial product information according to the investment condition (or policy) information. The investment manager server 500 may link an amount corresponding to the card reward information with the reinvestment information D / B. And a financial system used to reinvest in at least one financial product corresponding to the investment target financial product information according to the investment condition (or policy) information.

The financial system is a computerized system provided in a financial institution to open at least one financial account to at least one financial transaction customer, and provide at least one financial transaction service based on the financial account. Or an accounting system for processing a windowing service such as a credit or a receiving or trust or a foreign exchange, an information system for processing a headquarters business, branch office information support and customer information management, and at least one other Interconnection between financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) to access the financial system, and / or at least one And an external system that provides various financial transaction interfaces through a common network (eg, a CD common network and a financial common network). The financial system further provides interfacing between components in the financial system. Interface module corresponding to the middleware platform, and predetermined information (e.g., ledger information, and / or customer information, and / or management information, etc.) required for each function in the components of the financial system. Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to store and manage.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to an embodiment of the present invention, the DBMS provided in the financial system may be configured by the financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. And at least one ledger D / B for storing at least one ledger for providing, wherein the ledger D / B is at least one for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. The above ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., more specifically and / or supplementing the attributes / functions of each ledger) are relational It is characterized in that it is stored in association with (Relationship).

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

According to the present invention, the ledger D / B is characterized in that at least one investment amount withdrawal account and at least one investment amount deposit account is opened.

Here, the at least one investment amount withdrawal account opened in the ledger D / B is an account holder of an institution (eg, card company, card affiliate, merchants, etc.) that provides the card reward to the card payment customer through the card payment system. The opened financial account, characterized in that the financial account is deposited with an amount corresponding to the card reward provided to the customer.

In addition, the at least one investment amount deposit account opened in the ledger D / B is a financial account to be deposited when the investment amount in the financial products corresponding to the investment target financial product information, according to the present invention, The deposit of a predetermined amount into an account is considered to have been invested in the amount corresponding to the deposit amount in a financial instrument corresponding to the investment amount deposit account.

Referring to FIG. 5, the external system of the financial system is connected to the investment manager server 500 through a predetermined financial network (eg, a financial common network) to at least one or more amounts of money corresponding to the card reward information. It is characterized by comprising a financial investment unit for performing a financial business to invest in the product.

The financial investment unit corresponds to the investment amount withdrawal account information when at least one or more customer information, investment amount withdrawal account information, investment amount information, and investment amount deposit account information are provided from the investment manager server 500. And withdraw the amount corresponding to the investment amount information from the financial account and deposit the amount of money corresponding to the investment amount into the financial account corresponding to the investment amount deposit account information in the name of the customer corresponding to the customer information. The customer is treated as having invested an amount corresponding to the investment amount information in a financial product corresponding to the investment amount deposit account information.

Referring to FIG. 5, the investment manager server 500 may store the investment condition (or policy) information and the reward stored in the reinvestment information D / B shown in FIGS. 1 and / or 3 based on predetermined card information. By checking and comparing the card reward information stored in the information D / B, the information checking unit confirms whether to reinvest the amount corresponding to the card reward information in at least one or more investment target financial products according to the investment condition (or policy) information. 505 and reinvesting the card reward information corresponding to the customer card information in at least one or more investment target financial products, from the reinvestment information D / B based on the card information. And an information extraction unit 510 for extracting investment condition (or policy) information and extracting the card reward information from the reward information D / B. Calculating an investment amount corresponding to the card reward information extracted from the card information D / B, and generating investment processing information for reinvesting the investment amount in at least one or more investment target financial products according to the investment condition (or policy) information; At least one or more investment amounts calculated corresponding to the card reward information based on the investment processing information generated in association with a predetermined financial system according to the investment condition (or policy) information. It is characterized by comprising a financial product investment unit 520 for investing in the investment target financial products.

In addition, the investment manager server 500 may invest the investment amount corresponding to the card reward information by the financial product investment unit 520 in at least one investment target financial product according to the investment condition (or policy) information. Thereafter, the predetermined amount of investment information D is generated by generating predetermined card reward investment information including a result of investing the investment amount corresponding to the card reward information in at least one investment target financial product according to the investment condition (or policy) information. It is characterized in that it further comprises an investment information storage unit 525 to be stored in / B.

The information checking unit 505 may include at least one customer card information and investment condition (or policy) information stored in association with the reinvestment information D / B shown in FIGS. 1 and / or 3, and the reward information D / B. By comparing and reading card information and card reward information stored in association with B on the basis of the card information, the amount of money corresponding to the amount of card rewards processed in connection with the card information and stored in the reward information D / B is calculated. And reinvesting in at least one investment target financial product corresponding to the investment target financial product information according to the investment condition (or policy) information stored in the reinvestment information D / B. .

According to the present invention, the investment target financial product information, financial product name, investment period for the financial product including at least one or more products, securities investment products, fund investment products, bond investment products, insurance investment products, etc. And financial product investment information including at least one or more of a yield (or an interest rate), a minimum investment amount, investment amount deposit account information, and predetermined financial product manager information for operating the financial product.

According to an embodiment of the present invention, the financial product investment information of the investment target financial product information is investment information on at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, it comprises a, the customer may select at least one financial product to invest the card rewards based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include investment information on a card reward-only financial product designed to invest the card reward, and the present invention is not limited thereto.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one financial product to invest the card reward based on the financial product manager information with respect to the same (or similar) financial product investment information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

According to the present invention, the investment condition (or policy) information preferably comprises a condition (or policy) for investing the card reward in at least one financial product operated by at least one financial product manager, The investment condition (or policy) is characterized by including the investment condition (or policy) and / or investment condition (or policy) for each amount of the card reward.

According to an embodiment of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one financial reward of card rewards that the customer accumulates (or obtains) using the card for a certain period of time. It is desirable to include an investment condition (or policy) to reinvest in at least one financial instrument managed by the manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one or more card rewards that the customer accumulates (or acquires) by using the card for one month at least one or more financial product managers. It may include an investment condition (or policy) to reinvest in financial instruments.

According to the implementation method of the present invention, the investment condition (or policy) by the amount of the investment condition (or policy) information is the card rewards earned (or obtained) by the customer using the card reaches the predetermined amount, It is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information is the accumulation (or acquisition) when the card rewards earned (or obtained) using the card reaches 100,000 won in cash. It is preferable to include an investment condition (or a policy) for reinvesting the card reward corresponding to the cash amount of 100,000 won in at least one financial product managed by at least one financial product manager.

According to the implementation method of the present invention, the investment conditions (or policies) for the period and amount of the investment condition (or policy) information are such that the card rewards earned (or obtained) by the customer using the card for a certain period of time are set to a certain amount. If so, it is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) for each term and amount of the investment condition (or policy) information is the credit (received) when the credit card earned (or obtained) by the customer for 3 months using the card is 30,000 won or less in cash. Or re-invest the acquired card rewards in financial instrument A (or at least one director's financial instrument with a minimum investment of 30,000 won), and the customer accumulates (or acquires) the card for 3 months. If one card reward is more than 30,000 won or less than 50,000 won, reinvest the accumulated (or obtained) card rewards into financial product B (or at least one financial instrument whose minimum investment is less than 50,000 won); If the card rewards earned (or earned) using the card for 3 months are from 50,000 won to 100,000 won in cash, the card rewards earned (or obtained) Reinvest in a financing product C (or at least one director's financial instrument with a minimum investment of 100,000 won) and the card rewards earned (or obtained) using the card for three months with at least 100,000 won in cash. In this case, it is preferable to include an investment condition (or policy) for re-investing the accumulated (or obtained) card rewards in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). Do.

According to the present invention, the investment condition (or policy) information further comprises a distributed investment condition (or policy), wherein the distributed investment condition (or policy) is an amount corresponding to the card reward information. It consists of investing in each of the at least two financial instruments distributed.

For example, if the amount corresponding to the card reward information is 100,000 won, the diversified investment condition (or policy) is to invest 30% (= 30,000 won) of the 100,000 won in Financial Instruments A, and 30% (out of the remaining 70,000 won). It is desirable to include investment conditions (or policies) to invest 30,000 won in financial instrument B and 40% (the remaining 40,000 won) in financial instrument C.

According to an exemplary embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each period of the card reward information, the information checking unit 505 may provide the investment condition (or policy) information. By comparing the period information included in the and the date and time information included in the card reward information based on the current standard time information (for example, the standard time information confirmed from the timer provided in the investment manager server 500), the card reward information It is advisable to check for reinvestment.

According to another exemplary embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each amount of the card reward information, the information checking unit 505 is included in the card reward information. Summing the card reward value (e.g., the card reward value earned (or obtained) after the previously reinvested card reward value), converting the summed card reward value into cash, and converting the converted amount and the investment condition ( Alternatively, it is preferable to confirm whether reinvestment is established for the card reward information by comparing the amount information included in the policy) information.

According to another exemplary embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each period and amount of the card reward information, the information checking unit 505 may provide the investment condition. (Or policy) by comparing the period information included in the information and the date and time information included in the card reward information based on the current standard time information (for example, standard time information confirmed from a timer provided in the investment manager server 500), Confirm reestablishment per period for the card reward information, and add up the card reward value included in the card reward information during the period, convert the summed card reward value into cash, convert the amount and the converted amount into cash; By comparing at least one or more amounts of money information included in the investment condition (or policy) information, the card reward information It is desirable to determine whether the investment is established.

In addition, when the investment condition (or policy) information includes investment conditions (or policies) for each period and amount of the card reward information, the information checking unit 505 adds the card reward value included in the card reward information. (E.g., the card reward value earned (or obtained) after the previously reinvested card reward value), convert the summed card reward value into cash, and convert the amount and the investment condition (or policy) information into the converted amount. By comparing the amount information included, it is confirmed whether the reinvestment is established by the amount of the card reward information, and the date and time information included in the card reward information is present in the standard time information (for example, the timer provided in the investment manager server 500) Standard time information obtained from the above information) and at least one period information included in the investment condition (or policy) information. As a result, it is preferable to check whether reinvestment is established for the card reward information.

When the information extracting unit 510 reinvests the card reward information corresponding to the customer card information in at least one or more investment target financial products as a result of the confirmation by the information checking unit 505, the reinvestment information D / B Extracting the investment target financial product information and investment condition (or policy) information linked to the customer card information from the card information, and extracting the card reward information linked to the card information from the reward information D / B. .

According to an embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each period of the card reward information, the information extracting unit 510 is stored in the reinvestment information D / B. The investment condition (or policy) for each period is extracted from the investment condition (or policy) information, and at least one card reward value corresponding to the investment condition (or policy) for each period is extracted from the reward information D / B. It is preferable to provide to the generation unit 525.

Further, when the investment condition (or policy) for each period of the card reward information is included in the investment condition (or policy) information as described above, the information extracting unit 510 corresponds to the card reward information from the reward information D / B. It is preferable that the predetermined investment amount withdrawal account information is extracted and provided to the information generation unit 525, and / or at least one or more investments meeting the investment conditions (or policies) for each period from the reinvestment information D / B. It is preferable to extract the investment amount deposit account information corresponding to (or included) the target financial product information and the investment target financial product information and provide the extracted information to the information generator 525.

According to another exemplary embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each amount of the card reward information, the information extracting unit 510 transmits the information to the reinvestment information D / B. Extract the investment condition (or policy) for each amount from the stored investment condition (or policy) information, and extract at least one card reward value corresponding to the investment condition (or policy) for each amount from the reward information D / B It is preferable to provide the information generating unit 525.

Also, when the investment condition (or policy) for each amount of the card reward information is included in the investment condition (or policy) information as described above, the information extracting unit 510 corresponds to the card reward information from the reward information D / B. It is preferable that the predetermined investment amount withdrawal account information is extracted and provided to the information generation unit 525, and / or at least one or more investments satisfying the investment conditions (or policies) for each amount from the reinvestment information D / B. It is preferable to extract the investment amount deposit account information corresponding to (or included) the target financial product information and the investment target financial product information and provide the extracted information to the information generator 525.

According to another exemplary embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each period and amount of the card reward information, the information extracting unit 510 may generate the reinvestment information D. At least one or more investment conditions (or policies) extracted from the investment condition (or policy) information stored in / B and matching the investment conditions (or policies) by the period and amount from the reward information D / B. The card reward value may be extracted and provided to the information generator 525.

In addition, when the investment condition (or policy) information as described above includes the investment condition (or policy) for each period and amount of the card reward information, the information extracting unit 510 is the card reward information from the reward information D / B It is preferable to extract the predetermined investment amount withdrawal account information corresponding to the information to be provided to the information generation unit 525, and / or to meet the investment conditions (or policies) by the period and amount from the reinvestment information D / B Preferably, at least one investment target financial product information and investment amount deposit account information corresponding to (or included) the investment target financial product information are extracted and provided to the information generation unit 525.

According to an exemplary embodiment of the present invention, the information extracting unit 510 extracts predetermined customer information corresponding to the card information (eg, a customer name, resident registration number, etc.) from predetermined customer information D / B (not shown). It is preferable to provide to the information generating unit 525.

The information generating unit 525 adds the card reward value corresponding to the card reward information extracted from the reward information D / B by the information extracting unit 510, and converts the summed card reward value into cash. And calculating an investment amount corresponding to the card reward information.

In addition, the information generating unit 525 may include predetermined investment processing information including the calculated investment amount, investment amount withdrawal account information, investment amount deposit account information, and customer information extracted by the information extraction unit 510. And generating the investment processing information to the financial product investment unit 520.

In this case, the investment processing information is required to perform the financial business to process the investment manager server 500 to interoperate with a predetermined financial system to invest the amount corresponding to the card reward information in at least one investment target financial product. It is made including essential information, and may be further included at least one or more information according to the intention of those skilled in the art.

The financial product investment unit 520 performs the investment processing information in accordance with a communication protocol promised with a financial system that performs a financial business for processing an amount corresponding to the card reward information to invest in at least one or more investment target financial products. After converting (eg, inserting the investment processing information into the communication protocol stack promised with the financial system), and transmitting the investment processing information to the financial system through a predetermined financial network, based on the generated investment processing information As a result, the investment amount calculated corresponding to the card reward information is processed to invest in at least one or more investment target financial products according to the investment condition (or policy) information.

Thereafter, the financial system withdraws the amount corresponding to the investment amount information from the financial account corresponding to the investment amount withdrawal account information included in the investment processing information, and deposits the investment amount deposit account under the name of the customer corresponding to the customer information. And depositing money in a financial account corresponding to the information, whereby the customer corresponding to the customer information has invested the amount corresponding to the investment amount information into the financial product corresponding to the investment amount deposit account information. do.

When it is confirmed that the financial product investment unit 520 has invested in at least one investment target financial product according to the investment condition (or policy) information, the investment amount corresponding to the card reward information in association with the financial system, The investment information storage unit 525 may include the customer information, the investment amount information, and the financial product information (eg, the at least one investment target financial product information extracted by the information extraction unit 510) in which the investment amount is invested. And generate at least one financial reward information by the financial product investment unit 520, the at least one financial product information of which the investment amount is invested, and the customer information, the investment amount information, and the financial information included in the card reward investment information. The product information is linked and processed in a predetermined investment information D / B, and then the investment manager server 500 ) Refers to the card reward investment information stored in the investment information D / B to provide the customer with the profit of the investment.

According to the method of the present invention, the card reward investment information stored in the investment information D / B is a customer wire communication means, such as e-mail (e-mail), and / or wireless messages (e.g. short message, multimedia message, etc.) It may be provided to the customer through a customer wireless communication means such as, and / or provided to the customer included in the next month's card specification.

6 is a diagram illustrating a process of generating card reward information according to an exemplary embodiment of the present invention.

More specifically, FIG. 6 generates card reward information corresponding to a reinvestment target according to the present invention through a card payment system on the card reward reinvestment system shown in FIG. 5, and processes the card reward information in association with predetermined card information. The present invention relates to a process of storing in D / B, and more particularly, to an embodiment of generating the card reward information in the card payment process.

Persons of ordinary skill in the art to which the present invention pertains refer to and / or modify this drawing 6, and other types of card payment systems other than a card payment system through a payment terminal provided in the offline merchant shown in this drawing 6 (E.g., an online card payment system, a wireless card payment system, etc.) to generate card reward information corresponding to a reinvestment target according to the present invention, and process it in association with predetermined card information to store in the predetermined reward information D / B. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 6, when paying a card at at least one offline affiliated store, a payment terminal provided at the offline affiliated store has a predetermined value from a card issued to the customer through the card issuing system shown in FIG. 1 through a predetermined card reader. Read a predetermined payment means information, the predetermined payment approval request message containing the predetermined payment means information and predetermined payment information (for example, the payment amount and installment months input from the key input device provided in the payment terminal) Generate (600), transmit the generated payment approval request message to a payment server 530 through a predetermined payment network (VAN) (605), and the payment network includes the payment approval request message; Processes to be relayed to the payment server 530 provided in the card issuer that issued the card corresponding to the.

Thereafter, the payment server 530 receives and reads the payment approval request text (for example, by using payment means information and payment information included in the payment approval request text), and the payment corresponding to the payment approval request text. The approval procedure is performed (610).

According to an exemplary embodiment of the present invention, when the payment means information included in the full payment approval request message includes credit card information, the payment server 530 sets the credit limit of the credit card customer based on the credit card information. It is preferable to inquire and to approve payment processing for the payment amount included in the payment information based on the credit limit.

According to another embodiment of the present invention, when the payment means information included in the full payment approval request includes check card information and / or debit card information, the payment server 530 may debit the check card information and / or debit. It is preferable to query a predetermined customer financial account balance associated with the card information, and approve payment processing for the payment amount included in the payment information based on the balance inquiry result.

Those skilled in the art will be familiar with the various payment approval methods corresponding to the payment means information, in addition to the payment approval method described above, the detailed description thereof will be omitted for convenience.

If the payment approval request is not approved as a result of performing the payment approval procedure (for example, if a payment error occurs while performing the payment approval procedure) (615), the payment server 530 reads a predetermined payment error history. Generate a payment processing history that includes (620), generates a predetermined payment approval text including the generated payment processing history (625), and transmits the generated payment approval full text to the payment terminal through the payment network. In operation 630, the payment terminal receives the payment approval message through the payment network, and outputs and / or prints the payment processing history included in the payment approval message in operation 635.

On the other hand, if the payment approval request is approved as a result of performing the payment approval process (615), the payment server 530 generates a payment processing history including a predetermined payment approval history (640), the generated payment processing Generate a predetermined payment approval full text including the details (625), and transmits the generated payment approval full text to the payment terminal through the payment network (630), the corresponding payment terminal through the payment network In operation 635, the payment approval message is received and the payment processing history included in the payment approval message is displayed and / or printed.

When the payment processing details including the payment approval details are generated by the payment server 530, the payment server 530 reads the payment processing details to determine whether it is possible to generate a card reward value according to the present invention. (645).

According to the implementation method of the present invention, the payment processing details include the payment approved card information, the affiliated store information, payment authorization amount information, etc., the payment server 530 is the card information, the affiliated store information In addition, it is preferable to check whether it is effective to accumulate predetermined card rewards (eg, mileage points) on the card based on payment approval amount information.

If one of ordinary skill in the art to which the present invention belongs, the card information and the affiliated store according to the predetermined card reward accumulation policy (for example, mileage point accumulation policy) provided in each card company (or card reward provider) Based on the information, payment approval amount information will be familiar with the various implementation methods for confirming that it is effective to earn a predetermined card reward (for example, mileage points) on the card, detailed description thereof will be omitted for convenience.

If a predetermined card reward value cannot be generated in the payment approved card (for example, if mileage points cannot be accumulated in the payment approved card) 650, the payment server 530 generates the card reward information. Shall not be performed.

On the other hand, if it is possible to generate a predetermined card reward value in the payment approved card (for example, if you can earn mileage points in the payment approved card) (650), the payment server 530 is in the payment processing history A corresponding predetermined card reward value (eg, mileage points) is generated (655), and the generated card reward value and the date and time information at which the card reward value is generated (eg, from a timer provided in the payment server 530). Generate predetermined card reward information including the current standard time information to be confirmed (660), and process the card information included in the payment processing history and the generated card reward information in a predetermined reward information D / B. Save (665).

7 is a diagram illustrating a process of generating card reward information according to another exemplary embodiment of the present invention.

More specifically, FIG. 7 generates card reward information corresponding to a reinvestment target according to the present invention through a card payment system on the card reward reinvestment system shown in FIG. The present invention relates to a process of storing in a D / B. Specifically, the present invention relates to a method of generating the card reward information for the card payment after the card payment process is performed.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 7 and other types of card payment systems other than the card payment system through the payment terminal provided in the offline merchant shown in this drawing 7 (E.g., an online card payment system, a wireless card payment system, etc.) to generate card reward information corresponding to a reinvestment target according to the present invention, and process it in association with predetermined card information to store in the predetermined reward information D / B. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 7, when paying a card at at least one offline merchant, a payment terminal provided in the offline affiliated store is determined from a card issued to the customer through the card issuing system shown in FIG. 1 through a predetermined card reader. Read a predetermined payment means information, the predetermined payment approval request message containing the predetermined payment means information and predetermined payment information (for example, the payment amount and installment months input from the key input device provided in the payment terminal) Generate (700), transmit the generated payment approval request message to a payment server 530 through a predetermined payment network (VAN) (705), and the payment network includes the payment approval request message; Processes to be relayed to the payment server 530 provided in the card issuer that issued the card corresponding to the.

Thereafter, the payment server 530 receives and reads the payment approval request text (for example, by using payment means information and payment information included in the payment approval request text), and the payment corresponding to the payment approval request text. Perform the approval procedure (710).

According to an exemplary embodiment of the present invention, when the payment means information included in the full payment approval request message includes credit card information, the payment server 530 sets the credit limit of the credit card customer based on the credit card information. It is preferable to inquire and to approve payment processing for the payment amount included in the payment information based on the credit limit.

According to another embodiment of the present invention, when the payment means information included in the full payment approval request includes check card information and / or debit card information, the payment server 530 may debit the check card information and / or debit. It is preferable to query a predetermined customer financial account balance associated with the card information, and approve payment processing for the payment amount included in the payment information based on the balance inquiry result.

Those skilled in the art will be familiar with the various payment approval methods corresponding to the payment means information, in addition to the payment approval method described above, the detailed description thereof will be omitted for convenience.

If the payment approval request is not approved as a result of performing the payment approval procedure (for example, if a payment error occurs while performing the payment approval procedure) (715), the payment server 530 reads a predetermined payment error history. Generate a payment processing history that includes (720).

On the other hand, if the payment approval request is approved as a result of performing the payment approval procedure (715), the payment server 530 generates a payment processing details including a predetermined payment approval details (725).

Thereafter, the payment server 530 generates a predetermined payment approval text including the generated payment processing details (730), and transmits the generated payment approval text to the payment terminal through the payment network (735). In response, the payment terminal receives the payment approval message through the payment network, and outputs and / or prints the payment processing details included in the payment approval message (740).

After the predetermined card payment process is made as described above, the payment server 530 reads the payment processing history and checks whether it is possible to generate a card reward value according to the present invention (745).

According to the implementation method of the present invention, the payment processing details include the payment approved card information, the affiliated store information, payment authorization amount information, etc., the payment server 530 is the card information, the affiliated store information In addition, it is preferable to check whether it is effective to accumulate predetermined card rewards (eg, mileage points) on the card based on payment approval amount information.

If one of ordinary skill in the art to which the present invention belongs, the card information and the affiliated store according to the predetermined card reward accumulation policy (for example, mileage point accumulation policy) provided in each card company (or card reward provider) Based on the information, payment approval amount information will be familiar with the various implementation methods for confirming that it is effective to earn a predetermined card reward (for example, mileage points) on the card, detailed description thereof will be omitted for convenience.

If a predetermined card reward value cannot be generated in the payment approved card (for example, if the mileage points cannot be accumulated in the payment approved card) 750, the payment server 530 generates the card reward information generation process. Shall not be performed.

On the other hand, if it is possible to generate a predetermined card reward value in the payment approved card (for example, if you can earn mileage points in the payment approved card) (750), the payment server 530 corresponds to the payment processing history Generate a predetermined card reward value (for example, mileage points), and confirm the generated card reward value and the temporary information (for example, a timer provided in the payment server 530) in which the card reward value is generated; Generate predetermined card reward information including current standard time information) (760), and process the card information included in the payment processing history and the generated card reward information in a predetermined reward information D / B. (765).

8 is a diagram illustrating a reinvestment process of the card reward according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates card reward information generated by the card settlement system through a financial product investment system on the card reward reinvestment system shown in FIG. 5 and stored in predetermined reward information D / B. A process for reinvesting in at least one or more investment financial instruments in accordance with a predetermined investment condition (or policy) stored in B. Specifically, the card reward information is converted into at least one or more investment banking in accordance with investment conditions (or policies) for each period. The practice of reinvesting in commodities.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8 so that the reinvestment process of the card rewards is carried out at least one other computer system (e.g., in addition to the financial system shown in this drawing 8). Securities system, insurance system, etc.) can be inferred from the various implementation methods for reinvesting the card reward information in at least one investment target financial product according to a predetermined investment condition (or policy) stored in the reinvestment information D / B However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the investment manager server 500 illustrated in FIG. 5 is referred to as a “server” for convenience.

Referring to FIG. 8, the server re-investigates a predetermined card reward reinvestment target card among at least one or more card information stored in the reinvestment information D / B (or reward information D / B) for reinvestment of the card reward according to the present invention. Select information 800.

Thereafter, the server compares the investment condition (or policy) for each period stored in the reinvestment information D / B and the date and time information of the card reward information stored in the reward information D / B based on the selected card information based on the current standard time. In operation 805, it is determined whether investment conditions are established for each period of the card reward information.

According to an exemplary embodiment of the present invention, the investment condition (or policy) information stored in the reinvestment information D / B may include a condition (or a condition for investing the card reward in at least one financial product operated by at least one financial product manager. Policy), and the investment condition (or policy) is characterized by including the investment condition (or policy) and / or the investment condition (or policy) by amount for the card reward.

According to an exemplary embodiment of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one or more card rewards that are accumulated (or obtained) by the customer using the card for a certain period of time. It is desirable to include an investment condition (or policy) to reinvest in at least one financial instrument operated by the financial instrument manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one or more card rewards that the customer accumulates (or acquires) by using the card for one month at least one or more financial product managers. It may include an investment condition (or policy) to reinvest in financial instruments.

According to another exemplary embodiment of the present invention, the investment condition (or policy) for each amount of the investment condition (or policy) information is the card reward earned (or obtained) by the customer using the card reaches a predetermined amount. In addition, it is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information is the accumulation (or acquisition) when the card rewards earned (or obtained) using the card reaches 100,000 won in cash. It is preferable to include an investment condition (or a policy) for reinvesting the card reward corresponding to the cash amount of 100,000 won in at least one financial product managed by at least one financial product manager.

According to another exemplary embodiment of the present invention, the investment condition (or policy) by period and amount of the investment condition (or policy) information may include a card reward earned (or obtained) by the customer using the card for a certain period of time. When a certain amount is reached, it is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) for each term and amount of the investment condition (or policy) information is the credit (received) when the credit card earned (or obtained) by the customer for 3 months using the card is 30,000 won or less in cash. Or reinvest the acquired card rewards in financial instrument A (or at least one director's financial instrument with a minimum investment of 30,000 won), and the customer earned (or obtained) using the card for three months. If the card reward is more than 30,000 won or less than 50,000 won, reinvest the accumulated (or obtained) card rewards into financial product B (or financial instruments of at least one director whose minimum investment is less than 50,000 won), and the customer If the card rewards earned (or obtained) by using the card for 3 months are 50,000 won or more and 100,000 won or less, the card rewards (or obtained) Reinvest in a financing product C (or at least one director's financial instrument with a minimum investment of 100,000 won) and the card rewards earned (or obtained) using the card for three months with at least 100,000 won in cash. In this case, it is preferable to include an investment condition (or policy) for re-investing the accumulated (or obtained) card rewards in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). Do.

According to the method of the present invention, the server includes the period information included in the investment condition (or policy) information and the date and time information included in the card reward information in the current standard time information (for example, the investment manager server 500). It is preferable to confirm whether the reinvestment of the card reward information is established by comparing the time (standard time information confirmed from the timer).

If it is confirmed that the investment conditions for each period have been established (810), the server determines at least one card reward value and the card for which the investment conditions for each period have been established from the reward information D / B through the selected card information. The predetermined investment amount withdrawal account information corresponding to the reward information is extracted (815), the extracted at least one card reward value is added, and the sum of the summed card reward values is converted into cash to calculate a predetermined investment amount. (820).

Thereafter, the server acquires at least one investment target financial product information corresponding to the investment condition (or policy) for each period and investment amount deposit account information for each investment target financial instrument from the reinvestment information D / B through the selected card information. And extracts predetermined card customer information corresponding to the card information from the predetermined customer information D / B (not shown) (830).

According to the method of the present invention, the investment target financial product information stored in the reinvestment information D / B includes at least one or more of: deposits, securities investment products, fund investment products, bond investment products, insurance investment products, etc. Financial product investment information including at least one financial product name, investment period, yield (or interest rate), minimum investment amount, investment amount deposit account information, etc., for a financial instrument to operate; Characterized in that it comprises the manager information.

According to an exemplary embodiment of the present invention, the financial product investment information of the investment target financial product information may be invested in at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, the information is included, and the customer may select at least one financial product to invest the card reward based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include investment information on a card reward-only financial product designed to invest the card reward, and the present invention is not limited thereto.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one financial product to invest the card reward based on the financial product manager information with respect to the same (or similar) financial product investment information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

When at least one or more information necessary for generating investment processing information is calculated and extracted as described above, the server includes a predetermined value including the calculated investment amount, the extracted investment amount withdrawal account information, investment amount deposit account information, and customer information. By generating investment processing information for each period (835), and transmitting the investment processing information for each period including the investment amount, investment amount withdrawal account information, investment amount deposit account information and customer information to a predetermined financial system in which the financial account is opened; In step 840, the card is requested to perform the investment procedure for the card reward.

In response to the request, the financial system withdraws the investment amount from a predetermined investment amount withdrawal account corresponding to the investment amount withdrawal account information, and withdraws the investment amount in the name of a customer corresponding to the customer information. In step 845, the deposit is processed into the investment amount deposit account corresponding to the deposit account information.

When the above-described card reward investment procedure is completed in the financial system (850), the server generates card reward investment information for each period including the customer information, the investment amount and the financial product information in which the investment amount is invested. In operation 855, the card reward investment information formed by linking and processing the customer information, the investment amount, and the financial product information in which the investment amount is invested is stored in a predetermined investment information D / B (860). The card reward investment information stored in the investment information D / B is provided to provide the customer with the profit of the investment.

According to the method of the present invention, the card reward investment information stored in the investment information D / B is a customer wire communication means, such as e-mail (e-mail), and / or wireless messages (e.g. short message, multimedia message, etc.) It may be provided to the customer through a customer wireless communication means such as, and / or provided to the customer included in the next month's card specification.

9A and 9B illustrate a reinvestment process of a card reward according to another exemplary embodiment of the present invention.

In more detail, FIGS. 9A and 9B illustrate reinvesting the card reward information generated through the card settlement system through the financial instrument investment system on the card reward reinvestment system shown in FIG. 5 and stored in predetermined reward information D / B. Reinvesting in at least one or more investment target financial products in accordance with a predetermined investment condition (or policy) stored in the information D / B, specifically, the card reward information at least one or more according to the investment conditions (or policies) for each amount It is about how to reinvest in the financial instruments to be invested.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 9a and 9b so that the reinvestment process of the card rewards is carried out at least one or more other than the financial system shown in the drawings 9a and 9b. Various implementations in which the card reward information is reinvested into at least one or more investment target financial products according to a predetermined investment condition (or policy) stored in the reinvestment information D / B through another computer system (eg, a securities system, an insurance system, etc.). The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 9A and 9B.

Hereinafter, the investment manager server 500 shown in FIG. 5 in FIGS. 9A and 9B will be referred to as a "server" for convenience.

9A and 9B, the server recognizes a predetermined card reward among at least one or more card information stored in the reinvestment information D / B (or reward information D / B) for reinvestment of the card reward according to the present invention. The card information to be reinvested is selected (900).

Subsequently, the server calculates a predetermined amount by adding and rewarding a card reward value of card reward information included in the investment object from the reward information D / B through the selected card information and converting it into cash (905). The amount calculated by summing the reward value and the investment condition (or policy) for each amount stored in the reinvestment information D / B are compared to determine whether the investment condition for each amount of the card reward information is established (910).

According to an exemplary embodiment of the present invention, the investment condition (or policy) information stored in the reinvestment information D / B may include a condition for investing the card reward in at least one financial product operated by at least one financial product manager ( Or a policy), and the investment condition (or policy) is characterized by including the investment condition (or policy) and / or the investment condition (or policy) for each amount of the card reward.

According to an exemplary embodiment of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one financial reward for a card reward earned (or obtained) by the customer using the card for a predetermined period of time. It is desirable to include an investment condition (or policy) to reinvest in at least one or more financial instruments operated by a product manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one or more card rewards that the customer accumulates (or acquires) by using the card for one month at least one or more financial product managers. It may include an investment condition (or policy) to reinvest in financial instruments.

According to another exemplary embodiment of the present invention, the investment condition (or policy) for each amount of the investment condition (or policy) information is the card reward earned (or obtained) by the customer using the card reaches a predetermined amount. In addition, it is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information is the credit (or acquisition) when the customer's card rewards earned (or obtained) using the card reaches 100,000 won in cash. It is preferable to include an investment condition (or policy) for reinvesting the card reward corresponding to the cash amount of 100,000 won in at least one financial product managed by at least one financial product manager.

According to another exemplary embodiment of the present invention, the investment condition (or policy) by period and amount of the investment condition (or policy) information may include a card reward earned (or obtained) by the customer using the card for a certain period of time. When a certain amount is reached, it is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) for each term and amount of the investment condition (or policy) information is the credit (received) when the credit card earned (or obtained) by the customer for 3 months using the card is 30,000 won or less in cash. Or reinvest the acquired card rewards in financial instrument A (or at least one director's financial instrument with a minimum investment of 30,000 won), and the customer earned (or obtained) using the card for three months. If the card reward is more than 30,000 won or less than 50,000 won, reinvest the accumulated (or obtained) card rewards into financial product B (or financial instruments of at least one director whose minimum investment is less than 50,000 won), and the customer If the card rewards earned (or obtained) by using the card for 3 months are 50,000 won or more and 100,000 won or less, the card rewards (or obtained) Reinvest in a financing product C (or at least one director's financial instrument with a minimum investment of 100,000 won) and the card rewards earned (or obtained) using the card for three months with at least 100,000 won in cash. In this case, it is preferable to include an investment condition (or policy) for re-investing the accumulated (or obtained) card rewards in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). Do.

According to an embodiment of the present invention, the server sums the card reward value included in the card reward information (e.g., the card reward value accumulated (or obtained) after the previously reinvested card reward value), and the sum It is preferable to check whether the reinvestment of the card reward information is established by converting the card reward value into cash and comparing the converted amount with the amount information included in the investment condition (or policy) information.

According to another exemplary embodiment of the present invention, the server compares the amount of information included in the investment condition (or policy) information without converting the summed card reward value into cash, thereby establishing whether to reinvest the card reward information. It is possible to confirm, whereby the present invention is not limited.

If it is confirmed that the investment condition by the amount is established (915), the server determines at least one card reward value and the card that the investment condition by the amount is established from the reward information D / B through the selected card information. The predetermined investment amount withdrawal account information corresponding to the reward information is extracted (920), the extracted at least one card reward value is added, and the sum of the summed card reward values is converted into cash to calculate a predetermined investment amount. (925).

Thereafter, the server provides the at least one investment target financial product information corresponding to the investment condition (or policy) for each amount and investment amount deposit account information for each investment target financial instrument from the reinvestment information D / B through the selected card information. And extracts predetermined card customer information corresponding to the card information from the predetermined customer information D / B (not shown) (935).

According to the method of the present invention, the investment target financial product information stored in the reinvestment information D / B includes at least one or more of: deposits, securities investment products, fund investment products, bond investment products, insurance investment products, etc. Financial product investment information including at least one financial product name, investment period, yield (or interest rate), minimum investment amount, investment amount deposit account information, etc., for a financial instrument to operate; Characterized in that it comprises the manager information.

According to an exemplary embodiment of the present invention, the financial product investment information of the investment target financial product information may be invested in at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, the information is included, and the customer may select at least one financial product to invest the card reward based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include investment information on a card reward-only financial product designed to invest the card reward, and the present invention is not limited thereto.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one financial product to invest the card reward based on the financial product manager information with respect to the same (or similar) financial product investment information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

When at least one or more information necessary for generating investment processing information is calculated and extracted as described above, the server includes a predetermined value including the calculated investment amount, the extracted investment amount withdrawal account information, investment amount deposit account information, and customer information. By generating investment processing information for each amount (940), by transmitting the investment processing information for each amount including the investment amount, investment amount withdrawal account information, investment amount deposit account information and customer information to a predetermined financial system in which the financial account is opened; In step 945, the card reward is requested to perform an investment procedure for each amount of money.

In response to the request, the financial system withdraws the investment amount from a predetermined investment amount withdrawal account corresponding to the investment amount withdrawal account information, and withdraws the investment amount in the name of a customer corresponding to the customer information. In step 950, the deposit is processed into the investment amount deposit account corresponding to the deposit account information.

When the above-described card reward investment procedure is completed in the financial system (955), the server generates card reward investment information for each predetermined amount including the customer information, the investment amount and the financial product information in which the investment amount is invested. In operation 960, the card reward investment information formed by linking and processing the customer information, the investment amount, and the financial product information in which the investment amount is invested is stored in a predetermined investment information D / B (965). Investor information D / B stores the profits of the investment with reference to the card reward investment information.

According to the method of the present invention, the card reward investment information stored in the investment information D / B is a customer wire communication means, such as e-mail (e-mail), and / or wireless messages (e.g. short message, multimedia message, etc.) It may be provided to the customer through a customer wireless communication means such as, and / or provided to the customer included in the next month's card specification.

10A and 10B illustrate a reinvestment process of a card reward according to another exemplary embodiment of the present invention.

In more detail, FIGS. 10A and 10B reinvest the card reward information generated through the card settlement system through the financial product investment system on the card reward reinvestment system shown in FIG. 5 and stored in predetermined reward information D / B. Reinvesting in at least one or more investment financial instruments in accordance with a predetermined investment condition (or policy) stored in the information D / B, specifically, the card reward information at least in accordance with the investment conditions (or policy) by period and amount The practice of reinvesting in one or more investment financial instruments.

Particularly, FIGS. 10A and 10B show the time information included in the investment condition (or policy) information and the date and time information included in the card reward information in the current standard time information (for example, the investment manager server 500). By comparing the time (standard time information confirmed from the timer) to confirm whether the reinvestment per period for the card reward information is established, and also the sum of the card reward value included in the card reward information during the period, and the sum of the card reward And converting the value into cash and comparing the converted amount with at least one amount of money information included in the investment condition (or policy) information, thereby confirming whether reinvestment of the card reward information is established.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 10a and 10b so that the reinvestment process of the card rewards may be performed at least one other than the financial system shown in the drawings 10a and 10b. Various implementations in which the card reward information is reinvested in at least one or more investment target financial products according to a predetermined investment condition (or policy) stored in the reinvestment information D / B through another computer system (eg, a security system, an insurance system, etc.). The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 10A and 10B.

Hereinafter, the investment manager server 500 shown in FIG. 5 in FIGS. 10A and 10B will be referred to as a "server" for convenience.

Referring to FIGS. 10A and 10B, a server rewards a predetermined card reward among at least one or more card information stored in the reinvestment information D / B (or reward information D / B) for reinvestment of the card reward according to the present invention. The card information to be reinvested is selected (1000).

Thereafter, the server uses the selected card information to determine the investment conditions (or policies) for each of the periods and amounts stored in the reinvestment information D / B and the date and time information of the card reward information stored in the reward information D / B based on the current standard time. In operation 1005, it is determined whether investment conditions are established by periods and amounts of the card reward information.

According to an exemplary embodiment of the present invention, the investment condition (or policy) information stored in the reinvestment information D / B may include a condition for investing the card reward in at least one financial product operated by at least one financial product manager ( Or a policy), and the investment condition (or policy) is characterized by including the investment condition (or policy) and / or the investment condition (or policy) for each amount of the card reward.

According to an exemplary embodiment of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one or more card rewards that are accumulated (or obtained) by the customer using the card for a certain period of time. It is desirable to include an investment condition (or policy) to reinvest in at least one financial instrument operated by the financial instrument manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one or more card rewards that the customer accumulates (or acquires) by using the card for one month at least one or more financial product managers. It may include an investment condition (or policy) to reinvest in financial instruments.

According to another exemplary embodiment of the present invention, the investment condition (or policy) for each amount of the investment condition (or policy) information is the card reward earned (or obtained) by the customer using the card reaches a predetermined amount. In addition, it is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information is the accumulation (or acquisition) when the card rewards earned (or obtained) using the card reaches 100,000 won in cash. It is preferable to include an investment condition (or a policy) for reinvesting the card reward corresponding to the cash amount of 100,000 won in at least one financial product managed by at least one financial product manager.

According to another exemplary embodiment of the present invention, the investment condition (or policy) by period and amount of the investment condition (or policy) information may include a card reward earned (or obtained) by the customer using the card for a certain period of time. When a certain amount is reached, it is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) for each term and amount of the investment condition (or policy) information is the credit (received) when the credit card earned (or obtained) by the customer for 3 months using the card is 30,000 won or less in cash. Or reinvest the acquired card rewards in financial instrument A (or at least one director's financial instrument with a minimum investment of 30,000 won), and the customer earned (or obtained) using the card for three months. If the card reward is more than 30,000 won or less than 50,000 won, reinvest the accumulated (or obtained) card rewards into financial product B (or financial instruments of at least one director whose minimum investment is less than 50,000 won), and the customer If the card rewards earned (or obtained) by using the card for 3 months are 50,000 won or more and 100,000 won or less, the card rewards (or obtained) Reinvest in a financing product C (or at least one director's financial instrument with a minimum investment of 100,000 won) and the card rewards earned (or obtained) using the card for three months with at least 100,000 won in cash. In this case, it is preferable to include an investment condition (or policy) for re-investing the accumulated (or obtained) card rewards in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). Do.

According to the method of the present invention, the server includes the period information included in the investment condition (or policy) information and the date and time information included in the card reward information in the current standard time information (for example, the investment manager server 500). It is preferable to confirm whether the reinvestment of the card reward information is established by comparing the time (standard time information confirmed from the timer).

If it is confirmed in step 1010 that the investment conditions are established among the investment conditions by period and amount (1010), the server rewards card reward value of card reward information included in the investment object from the reward information D / B through the selected card information. To calculate a predetermined amount by adding and converting to cash (1015), and compares the amount calculated by summing the value of the card reward with the investment conditions (or policies) for each of the periods and amounts stored in the reinvestment information D / B. It is checked whether investment conditions are established by period and amount of card reward information (1020).

According to an embodiment of the present invention, the server sums the card reward value included in the card reward information (e.g., the card reward value accumulated (or obtained) after the previously reinvested card reward value), and the sum It is preferable to check whether the reinvestment of the card reward information is established by converting the card reward value into cash and comparing the converted amount with the amount information included in the investment condition (or policy) information.

According to another exemplary embodiment of the present invention, the server compares the amount of information included in the investment condition (or policy) information without converting the summed card reward value into cash, thereby establishing whether to reinvest the card reward information. It is possible to confirm, whereby the present invention is not limited.

If it is confirmed that the investment conditions by the amount of the investment conditions by the period and the amount is established (1025), the server at least confirmed that the investment conditions by the period and amount are established from the reward information D / B through the selected card information Extract 1030 one or more card reward values and predetermined investment amount withdrawal account information corresponding to the card reward information, add the extracted one or more card reward values, and convert the sum of the card reward values into cash. The predetermined investment amount is calculated (1035).

Thereafter, the server receives at least one investment target financial product information corresponding to the investment condition (or policy) for each period and amount from the reinvestment information D / B and the investment amount deposit account for each investment target financial product through the selected card information. Information is extracted (1040), and predetermined card customer information corresponding to the card information is extracted (1045) from the predetermined customer information D / B (not shown).

According to the method of the present invention, the investment target financial product information stored in the reinvestment information D / B includes at least one or more of: deposits, securities investment products, fund investment products, bond investment products, insurance investment products, etc. Financial product investment information including at least one financial product name, investment period, yield (or interest rate), minimum investment amount, investment amount deposit account information, etc., for a financial instrument to operate; Characterized in that it comprises the manager information.

According to an exemplary embodiment of the present invention, the financial product investment information of the investment target financial product information may be invested in at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, the information is included, and the customer may select at least one financial product to invest the card reward based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include the investment information for the card reward financial products designed to invest the card rewards, whereby the present invention is not limited.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one financial product to invest the card reward based on the financial product manager information with respect to the same (or similar) financial product investment information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

When at least one or more information necessary for generating investment processing information is calculated and extracted as described above, the server includes a predetermined value including the calculated investment amount, the extracted investment amount withdrawal account information, investment amount deposit account information, and customer information. Generate investment processing information for each period and amount (1050), and the investment processing for each period and amount including the investment amount, investment amount withdrawal account information, investment amount deposit account information and customer information with a predetermined financial system in which the financial account is opened; By transmitting the information, a request is made to perform the investment procedure for each period and amount for the card reward (1055).

In response to the request, the financial system withdraws the investment amount from a predetermined investment amount withdrawal account corresponding to the investment amount withdrawal account information, and withdraws the investment amount in the name of a customer corresponding to the customer information. The deposit is processed to the investment amount deposit account corresponding to the deposit account information (1060).

When the above-described card reward investment procedure is completed in the financial system (1065), the server receives the card reward investment information for a predetermined period and amount including the customer information, the investment amount and the financial product information into which the investment amount is invested. Generate (1070), and store the card reward investment information formed by linking the customer information, the investment amount, and the financial product information in which the investment amount is invested in a predetermined investment information D / B (1075), and then the server The reference to the card reward investment information stored in the investment information D / B provides the customer with the profits from the investment.

According to the method of the present invention, the card reward investment information stored in the investment information D / B is a customer wire communication means, such as e-mail (e-mail), and / or wireless messages (e.g. short message, multimedia message, etc.) It may be provided to the customer through a customer wireless communication means such as, and / or provided to the customer included in the next month's card specification.

11A and 11B illustrate a reinvestment process of a card reward according to another exemplary embodiment of the present invention.

11A and 11B show the reinvestment of the card reward information generated through the card settlement system through the financial product investment system on the card reward reinvestment system shown in FIG. 5 and stored in predetermined reward information D / B. Reinvesting in at least one or more investment financial instruments in accordance with a predetermined investment condition (or policy) stored in the information D / B, specifically, the card reward information at least in accordance with the investment conditions (or policy) by period and amount The practice of reinvesting in one or more investment financial instruments.

In particular, the figures 11a and 11b sum up the card reward value included in the card reward information (e.g., the card reward value earned (or obtained) after the previously reinvested card reward value), and the summed card reward By converting the value into cash and comparing the converted amount with the amount of information included in the investment condition (or policy) information, it is possible to confirm whether reinvestment by amount for the card reward information is established, and also included in the card reward information. By comparing the date and time information with at least one piece of period information included in the investment condition (or policy) information on the basis of current standard time information (eg, standard time information checked from a timer provided in the investment manager server 500). It includes whether or not to reinvest in the card reward information.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 11a and 11b so that the reinvestment process of the card rewards may be performed at least one other than the financial system shown in FIGS. 11a and 11b. Various implementations in which the card reward information is reinvested into at least one or more investment target financial products according to a predetermined investment condition (or policy) stored in the reinvestment information D / B through another computer system (eg, a securities system, an insurance system, etc.). The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 11A and 11B.

Hereinafter, in FIG. 11A and FIG. 11B, the investment manager server 500 illustrated in FIG. 5 is referred to as a “server” for convenience.

Referring to FIGS. 11A and 11B, the server rewards a predetermined card reward among at least one or more card information stored in the reinvestment information D / B (or reward information D / B) for reinvestment of the card reward according to the present invention. The card information to be reinvested is selected (1100).

Subsequently, the server calculates a predetermined amount by adding and converting a card reward value of card reward information included in the investment object from the reward information D / B into cash through the selected card information (1105). The amount calculated by summing the card reward value and the investment conditions (or policies) for each of the periods and amounts stored in the reinvestment information D / B are compared to determine whether the investment conditions for each period and the amount of the card reward information are established (1110). .

According to an exemplary embodiment of the present invention, the investment condition (or policy) information stored in the reinvestment information D / B may include a condition for investing the card reward in at least one financial product operated by at least one financial product manager ( Or a policy), and the investment condition (or policy) is characterized by including the investment condition (or policy) and / or the investment condition (or policy) for each amount of the card reward.

According to an exemplary embodiment of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one financial reward for a card reward earned (or obtained) by the customer using the card for a predetermined period of time. It is desirable to include an investment condition (or policy) to reinvest in at least one or more financial instruments operated by a product manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one card reward earned (or obtained) by the customer using the card for one month by at least one financial product manager. It may include an investment condition (or policy) to reinvest in the above financial instruments.

According to another exemplary embodiment of the present invention, the investment condition (or policy) for each amount of the investment condition (or policy) information is the card reward earned (or obtained) by the customer using the card reaches a predetermined amount. In addition, it is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information is the accumulation (or acquisition) when the card rewards earned (or obtained) using the card reaches 100,000 won in cash. It is preferable to include an investment condition (or a policy) for reinvesting the card reward corresponding to the cash amount of 100,000 won in at least one financial product managed by at least one financial product manager.

According to another exemplary embodiment of the present invention, the investment condition (or policy) by period and amount of the investment condition (or policy) information may include a card reward earned (or obtained) by the customer using the card for a certain period of time. When a certain amount is reached, it is preferable to include an investment condition (or policy) for reinvesting the accumulated (or acquired) card rewards in at least one or more financial products operated by at least one financial product manager.

For example, the investment condition (or policy) for each term and amount of the investment condition (or policy) information is the credit (received) when the credit card earned (or obtained) by the customer for 3 months using the card is 30,000 won or less in cash. Or reinvest the acquired card rewards in financial instrument A (or at least one director's financial instrument with a minimum investment of 30,000 won), and the customer earned (or obtained) using the card for three months. If the card reward is more than 30,000 won or less than 50,000 won, reinvest the accumulated (or obtained) card rewards into financial product B (or financial instruments of at least one director whose minimum investment is less than 50,000 won), and the customer If the card rewards earned (or obtained) by using the card for 3 months are 50,000 won or more and 100,000 won or less, the card rewards (or obtained) Reinvest in a financing product C (or at least one director's financial instrument with a minimum investment of 100,000 won) and the card rewards earned (or obtained) using the card for three months with at least 100,000 won in cash. In this case, it is preferable to include an investment condition (or policy) for re-investing the accumulated (or obtained) card rewards in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). Do.

According to an embodiment of the present invention, the server sums the card reward value included in the card reward information (e.g., the card reward value accumulated (or obtained) after the previously reinvested card reward value), and the sum It is preferable to check whether the reinvestment of the card reward information is established by converting the card reward value into cash and comparing the converted amount with the amount information included in the investment condition (or policy) information.

According to another exemplary embodiment of the present invention, the server compares the amount of information included in the investment condition (or policy) information without converting the summed card reward value into cash, thereby establishing whether to reinvest the card reward information. It is possible to confirm, whereby the present invention is not limited.

If it is confirmed that the investment conditions by the amount of the investment conditions by the period and the amount is established (1115), the server and the investment conditions (or policy) by the period and amount stored in the reinvestment information D / B through the selected card information and the The date and time information of the card reward information stored in the reward information D / B is compared based on the current standard time to determine whether investment conditions for each period and amount of the card reward information are established (1120).

According to the method of the present invention, the server includes the period information included in the investment condition (or policy) information and the date and time information included in the card reward information in the current standard time information (for example, the investment manager server 500). It is preferable to confirm whether the reinvestment of the card reward information is established by comparing the time (standard time information confirmed from the timer).

If it is confirmed that the investment conditions by the period of the investment conditions of the period and the amount is established (1125), the server at least confirmed that the investment conditions by the period and amount is established from the reward information D / B through the selected card information Extracting at least one card reward value and predetermined investment amount withdrawal account information corresponding to the card reward information (1130), summing the extracted at least one card reward value, and converting the summed card reward value into cash The predetermined investment amount is calculated (1135).

Thereafter, the server receives at least one investment target financial product information corresponding to the investment condition (or policy) for each period and amount from the reinvestment information D / B and the investment amount deposit account for each investment target financial product through the selected card information. Information is extracted (1140), and predetermined card customer information corresponding to the card information is extracted (1145) from the predetermined customer information D / B (not shown).

According to the method of the present invention, the investment target financial product information stored in the reinvestment information D / B includes at least one or more of: deposits, securities investment products, fund investment products, bond investment products, insurance investment products, etc. Financial product investment information including at least one financial product name, investment period, yield (or interest rate), minimum investment amount, investment amount deposit account information, and the like, for a financial product; Characterized in that it comprises a product manager information.

According to an exemplary embodiment of the present invention, the financial product investment information of the investment target financial product information may be invested in at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, the information is included, and the customer may select at least one financial product to invest the card reward based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include investment information on a card reward-only financial product designed to invest the card reward, and the present invention is not limited thereto.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one financial product to invest the card reward based on the financial product manager information with respect to the same (or similar) financial product investment information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

When at least one or more information necessary for generating investment processing information is calculated and extracted as described above, the server includes a predetermined value including the calculated investment amount, the extracted investment amount withdrawal account information, investment amount deposit account information, and customer information. Generate investment processing information for each period and amount (1150), and the investment processing for each period and amount including the investment amount, investment amount withdrawal account information, investment amount deposit account information and customer information with a predetermined financial system in which the financial account is opened; By transmitting the information, it is requested to perform the investment procedure by period and amount for the card reward (1155).

In response to the request, the financial system withdraws the investment amount from a predetermined investment amount withdrawal account corresponding to the investment amount withdrawal account information, and withdraws the investment amount in the name of a customer corresponding to the customer information. In step 1160, the deposit is processed into the investment amount deposit account corresponding to the deposit account information.

When the above-described card reward investment procedure is completed in the financial system (1165), the server receives the card reward investment information for a predetermined period and amount including the customer information, the investment amount, and the financial product information into which the investment amount is invested. Generate (1170), store the card reward investment information formed by linking the customer information, the investment amount, and the financial product information in which the investment amount is invested in a predetermined investment information D / B (1175), and then the server The reference to the card reward investment information stored in the investment information D / B provides the customer with the profits from the investment.

According to the method of the present invention, the card reward investment information stored in the investment information D / B is a customer wire communication means, such as e-mail (e-mail), and / or wireless messages (e.g. short message, multimedia message, etc.) It may be provided to the customer through a customer wireless communication means such as, and / or provided to the customer included in the next month's card specification.

12 is a diagram illustrating a card reward reinvestment system configuration according to another embodiment of the present invention.

In more detail, FIG. 12 shows a predetermined reward information by generating card reward information corresponding to the card payment when a predetermined customer makes a payment through a card issued to the customer through the card issuing system shown in FIG. After storing in the D / B, based on the customer card information and the financial product information and / or investment condition (or policy) information stored and linked to the re-investment information D / B shown in Figure 1 and / or Figure 3 The present invention relates to a system for reinvesting an amount corresponding to the card reward information into at least one financial product corresponding to the investment target financial product information according to the investment condition (or policy) information. If one of ordinary skill in the art, refer to and / or modify the present Figure 12 in conjunction with the reinvestment information D / B shown in Figure 1 and / or Figure 3 It is possible to infer various system configurations for reinvesting the amount corresponding to the card reward information based on the stored and stored customer card information and the investment target financial product information and / or investment condition (or policy) information, but the present invention is It includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, the card reward reinvestment system shown in FIG. 12 is an implementation method in which the investment target financial product can be operated only by a predetermined financial system such as securities investment product or savings product, and corresponds to the card reward information. Although the amount of money is illustrated as reinvesting through the financial system, the system for reinvesting the amount of money corresponding to the card reward information is based on a predetermined security system when the target financial product is a securities investment product according to the intention of a person skilled in the art. It is evident that it further comprises, and / or if the investment target financial product is an insurance investment product, it is evident that the system for reinvesting the amount corresponding to the card reward information further comprises a predetermined insurance system. The present invention is not limited by this.

Here, those skilled in the art (for example, financial experts, securities specialists, insurance specialists), because you will be familiar with the technical features of the securities system and / or insurance system, Detailed description is omitted for convenience.

For example, the card reward reinvestment system shown in FIG. 12 illustrates a card payment system for accumulating and storing the card reward information as a card payment system corresponding to an offline merchant, but the card payment system is shown in FIG. It is by no means limited to a card payment system corresponding to the offline merchant shown, the card payment system is a payment system of any kind through a card issued to the customer through the card issuing system shown in Figure 1 (eg, Online payment system, wireless payment system).

Here, those skilled in the art (for example, financial specialists, securities specialists, insurance specialists), because you will be familiar with the technical features of the various payment and payment systems through the card, the details of this Description is omitted for convenience.

Referring to this drawing 12 according to the embodiment of the present invention, the card reward reinvestment system, when the predetermined payment process through the card issued to the customer through the card issuance system shown in Figure 1, the card payment A card payment system for generating card reward information corresponding to the card information and processing the card information in association with the card information and storing the card reward information in predetermined reward information D / B, and the card reward information stored in the reward information D / B through the card payment system. Corresponding to the card reward information on the basis of the customer card information and the investment financial product information and / or investment condition (or policy) information stored in association with the reinvestment information D / B shown in Figure 1 and / or Figure 3 The amount is transferred to at least one financial product corresponding to the investment target financial product information according to the investment condition (or policy) information. It comprises a financial product investment system to invest.

In FIG. 12, the card payment system includes a payment terminal provided in at least one offline affiliated store, a predetermined payment network (eg, a value added network (VAN)) to which the payment terminal is connected for payment processing. And a payment server 530 connected to the payment terminal through the payment network and processing the approval of the payment approval request requested from the payment terminal.

The payment terminal is characterized in that it comprises a CAT (Credit Authorization Terminal) and / or POS (Point Of Sales) terminal provided in at least one offline merchant for card payment processing.

According to the method of the present invention, the payment terminal is a predetermined payment means information (for example, credit card (Credit Card) from the card issued to the customer through the card issuing system shown in Figure 1 when the card payment processing in the merchant; Card Payment Method Information, Debit Card Payment Method Information, Check Card Payment Method Information, Prepaid Card Payment Method Information, Electronic Wallet Payment Method Information, Electronic Bank Account Bankbook) payment means information, etc.), and generates a predetermined payment approval request full text including the payment means information, predetermined payment information (e.g., payment amount, installment months, etc.), merchant information, and the like. Characterized in that for transmitting the complete payment approval request to the payment server 530 through the payment network.

The payment terminal may receive a predetermined payment approval text including a payment processing history corresponding to the payment approval result from the payment server 530 through the payment network. Characterized in that the predetermined payment processing included in the screen output and / or print output.

The payment network communicates at least one payment terminal provided in at least one affiliated store and a predetermined payment server 530 provided in a card issuer that issued the card to the customer through the card issuing system shown in FIG. It is characterized by connecting.

According to an embodiment of the present invention, when the payment network transmits a predetermined payment approval request message from the payment terminal when the card payment processing is performed at the affiliated store, the payment approval request message (or the full text of the payment approval request) is read. Check the predetermined payment server 530 to relay the payment approval request information), characterized in that for transmitting the full payment approval request (or payment approval request information) to the confirmed payment server 530.

In addition, when a predetermined payment approval text (or payment approval information) including a payment processing history corresponding to the payment approval result is transmitted from the payment server 530, the payment approval text (or payment approval) is transmitted. Information) to check the predetermined payment terminal to be relayed, and relays the full payment approval request message to the confirmed payment terminal.

The payment server 530 is characterized in that the communication connection with at least one or more payment terminals provided in at least one or more merchants through the payment network, when the payment approval request from the payment terminal through a predetermined payment approval request, And performing a predetermined payment approval procedure corresponding to the payment approval request.

The payment server 530 may generate a predetermined payment approval text (or payment approval information) including a payment processing history corresponding to the payment approval result, and generate the payment approval text (or payment). And approval information) to the payment terminal through the payment network.

According to the present invention, while the payment server 530 performs the payment approval procedure as described above (or after performing the payment approval procedure), if the payment processing is approved, the payment server 530 is a predetermined card. Generate predetermined card reward information (eg, mileage points corresponding to the card payment amount) corresponding to the payment processing details according to a reward policy (not shown), and include the generated card reward information in the payment approval request text. And linking the predetermined card information corresponding to the received payment means information and storing the predetermined reward information D / B.

Referring to FIG. 12, the payment server 530 corresponds to a payment approval unit that performs the payment approval procedure requested by the payment terminal, and when the payment is approved by the payment approval unit, corresponding to the approved payment processing details. An information generating unit 525 for generating card reward information, and an information storage unit 320 for processing the generated card reward information in association with the card information and storing it in predetermined reward information D / B. Characterized in that made.

When a payment settlement request message is generated at the payment terminal and transmitted through the payment network, the payment approval unit transmits the payment approval request message (or the payment approval request message) through the payment network. Payment approval request information), extracting payment approval processing information including at least one or more payment means information and payment information necessary for the payment approval from the payment approval request message (or payment approval request information); And performing a predetermined payment approval procedure based on the payment approval processing information.

According to an embodiment of the present invention, when the payment means information included in the full payment approval request (or payment approval request information) includes credit card information, the payment approval unit is based on the credit card information. It is preferable to query the credit limit of and to approve payment processing for the payment amount included in the payment information based on the credit limit.

According to another embodiment of the present invention, when the payment means information included in the full payment approval request (or payment approval request information) includes check card information and / or debit card information, the payment approval unit may include the check card information. And / or it is preferable to query the predetermined customer financial account balance associated with the debit card information, and to approve payment processing for the payment amount included in the payment information based on the balance inquiry result.

Those skilled in the art will be familiar with the various payment approval methods corresponding to the payment means information in addition to the payment approval method described above, the detailed description thereof will be omitted for convenience.

If a predetermined payment error occurs in the process of performing the payment approval procedure, the payment approval unit generates a predetermined payment processing history including a predetermined payment error history corresponding to the payment error, and generates the payment processing history. Generates a predetermined payment approval text (or payment approval information) to be transmitted to the payment terminal through the payment network.

On the other hand, if the payment approval process is normally processed, the payment approval unit generates a predetermined payment processing history including a predetermined payment approval history and generates a predetermined payment approval full text (or payment approval information) including the payment processing history. It generates and transmits to the payment terminal through the payment network.

While the payment approval unit performs the payment approval procedure as described above (or after performing the payment approval procedure), if the payment processing is approved, the information generating unit 525 () may set a predetermined card reward policy (not shown). ), Predetermined card reward information (eg, mileage points corresponding to the card payment amount) corresponding to the payment processing details (or payment approval details) is generated.

If one of ordinary skill in the art of the present invention belongs to the technical field for generating predetermined card reward information (eg, mileage points corresponding to the card payment amount) corresponding to the payment processing details (or payment approval details) Since you will be familiar with the features, a detailed description thereof will be omitted.

When the card reward information is generated by the information generation unit 525 (), the information storage unit 320 () is predetermined to correspond to the payment means information used in the payment approval unit performing the payment approval procedure. And extracting card information of the card information, and linking the extracted card information and the card reward information generated by the information generating unit 525 () to store in the predetermined reward information D / B.

Here, the card reward information stored in the reward information D / B includes date and time information (for example, date, month, hour, minute, and second) in which the card reward was generated by the information generator 525 (), and the information generator 525. Preferably comprises the card reward value (e.g., mileage points) generated by &lt; RTI ID = 0.0 &gt;

According to the exemplary embodiment of the present invention, the card reward information stored in the reward information D / B is an investment amount withdrawal account in which an amount corresponding to the card reward information generated by the information generation unit 525 () is deposited. It is preferable that the information is further included.

According to another exemplary embodiment of the present invention, the investment manager server 500 is familiar with the investment amount withdrawal account information, and / or the investment amount withdrawal account information is registered in the investment manager server 500. In this case, the investment amount withdrawal account information may be omitted from the card reward information stored in the reward information D / B, and the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the information generating unit 525 () generates card reward information corresponding to the payment approval details, and / or the information storing unit 320 () is connected to the card information. The process of linking the card reward information and storing the reward information D / B may be repeated in the process of performing at least one payment procedure through a card issued to the customer through the card issuing system shown in FIG. It is preferably carried out by.

The card reward information stored in association with the card information in the reward information D / B is used in a process of reinvesting an amount corresponding to the card reward information in at least one or more investment target financial products in the financial product investment system. do.

In FIG. 12, the financial product investment system includes reinvestment information D / B for linking and storing the customer card information, investment target financial product information, and / or investment condition (or policy) information, and rewards on the card payment system. The card reward information stored in the information D / B and the customer card information and the financial object information and / or investment condition (or policy) stored in association with the reinvestment information D / B shown in FIGS. 1 and / or 3 are stored. And an investment manager server 500 for reinvesting an amount corresponding to the card reward information based on the information into at least one financial product corresponding to the investment target financial product information according to the investment condition (or policy) information. Characterized in that, the investment manager server 500 linked the amount corresponding to the card reward information with the reinvestment information D / B W is a financial system for use in re-invested in one or more financial instrument corresponding to the financial investment product information according to the investment condition (or policies), information characterized by comprising.

The financial system is a computerized system provided in a financial institution to open at least one financial account to at least one financial transaction customer, and provide at least one financial transaction service based on the financial account. Or an accounting system for processing a windowing service such as a credit or a receiving or trust or a foreign exchange, an information system for processing a headquarters business, branch office information support and customer information management, and at least one other Interconnection between financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking, telebanking, TV banking, etc.) to access the financial system, and / or at least one It is characterized in that it comprises an external system that provides a variety of financial transaction interfaces through the common network (for example, CD common network, financial common network), and the financial system provides an interface between components in the financial system Interface module corresponding to the middleware platform, and predetermined information (e.g., ledger information, and / or customer information, and / or management information, etc.) required for each function in the components of the financial system. Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to store and manage.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to an embodiment of the present invention, the DBMS provided in the financial system may be configured by the financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. And a ledger D / B for storing at least one ledger for providing, wherein the ledger D / B is at least one for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. The above ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., more specifically and / or supplementing the attributes / functions of each ledger) are relational It is characterized in that it is stored in association with (Relationship).

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

According to the present invention, the ledger D / B is characterized in that at least one investment amount withdrawal account and at least one investment amount deposit account is opened.

Here, the at least one investment amount withdrawal account opened in the ledger D / B is an account holder of an institution (eg, card company, card affiliate, merchants, etc.) that provides the card reward to the card payment customer through the card payment system. The opened financial account, characterized in that the financial account is deposited with an amount corresponding to the card reward provided to the customer.

In addition, the at least one investment amount deposit account opened in the ledger D / B is a financial account to be deposited when the investment amount in the financial products corresponding to the investment target financial product information, according to the present invention, The deposit of a predetermined amount into an account is considered to have been invested in the amount corresponding to the deposit amount in a financial instrument corresponding to the investment amount deposit account.

Referring to FIG. 12, the external system of the financial system is connected to the investment manager server 500 through a predetermined financial network (eg, a financial common network) to obtain at least one financial amount corresponding to the card reward information. It is characterized by comprising a financial investment unit for performing a financial business to invest in the product.

The financial investment unit corresponds to the investment amount withdrawal account information when at least one or more customer information, investment amount withdrawal account information, investment amount information, and investment amount deposit account information are provided from the investment manager server 500. And withdraw the amount corresponding to the investment amount information from the financial account and deposit the amount of money corresponding to the investment amount into the financial account corresponding to the investment amount deposit account information in the name of the customer corresponding to the customer information. The customer is treated as having invested an amount corresponding to the investment amount information in a financial product corresponding to the investment amount deposit account information.

Referring to FIG. 12, the investment manager server 500 stores the investment condition (or policy) information and the reward information stored in the reinvestment information D / B shown in FIGS. 1 and / or 3 based on predetermined card information. By comparing and reading the card reward information stored in the D / B, the information checking unit for confirming whether to reinvest the amount corresponding to the card reward information in at least one or more investment target financial products according to the investment condition (or policy) information ( 505) and reinvesting the card reward information corresponding to the customer card information in at least one or more investment target financial products, from the reinvestment information D / B based on the card information. An information extraction unit 510 for extracting investment condition (or policy) information and extracting the card reward information from the reward information D / B, and the reward Customer approval for investing the amount corresponding to the card reward information in the investment target financial product through the card reward information extracted from the card information D / B and the investment target financial product information extracted from the reinvestment information D / B. And a customer approval unit 550 for confirming that, and when the customer approval is confirmed, an investment amount corresponding to the card reward information extracted from the reward information D / B is calculated, and the investment amount is calculated as the investment condition (or policy). An information generation unit 525 for generating investment processing information for reinvesting in at least one investment target financial product according to the information, and corresponding to the card reward information based on the generated investment processing information in connection with a predetermined financial system; Finance invested in at least one investment target financial product according to the investment condition (or policy) information By having an investment product 520 is characterized in that formed.

In addition, the investment manager server 500 may invest the investment amount corresponding to the card reward information by the financial product investment unit 520 in at least one investment target financial product according to the investment condition (or policy) information. Thereafter, the predetermined amount of investment information D is generated by generating predetermined card reward investment information including a result of investing the investment amount corresponding to the card reward information in at least one investment target financial product according to the investment condition (or policy) information. It is characterized in that it further comprises an investment information storage unit 525 to be stored in / B.

The information checking unit 505 may include at least one customer card information and investment condition (or policy) information stored in association with the reinvestment information D / B shown in FIGS. 1 and / or 3, and the reward information D / B. By comparing and reading card information and card reward information stored in association with B on the basis of the card information, the amount of money corresponding to the amount of card rewards processed in connection with the card information and stored in the reward information D / B is calculated. And reinvesting in at least one investment target financial product corresponding to the investment target financial product information according to the investment condition (or policy) information stored in the reinvestment information D / B. .

According to the present invention, the investment target financial product information, financial product name, investment period for the financial product including at least one or more products, securities investment products, fund investment products, bond investment products, insurance investment products, etc. And financial product investment information including at least one or more of a yield (or an interest rate), a minimum investment amount, investment amount deposit account information, and predetermined financial product manager information for operating the financial product.

According to an embodiment of the present invention, the financial product investment information of the investment target financial product information is investment information on at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, it comprises a, the customer may select at least one financial product to invest the card rewards based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include investment information on a card reward-only financial product designed to invest the card reward, and the present invention is not limited thereto.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one financial product to invest the card reward based on the financial product manager information with respect to the same (or similar) financial product investment information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

According to the present invention, the investment condition (or policy) information preferably comprises a condition (or policy) for investing the card reward in at least one financial product operated by at least one financial product manager, The investment condition (or policy) is characterized by including the investment condition (or policy) and / or investment condition (or policy) for each amount of the card reward.

According to an embodiment of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one financial reward of card rewards that the customer accumulates (or obtains) using the card for a certain period of time. It is desirable to include an investment condition (or policy) to reinvest in at least one financial instrument managed by the manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one or more card rewards that the customer accumulates (or acquires) by using the card for one month at least one or more financial product managers. It may include an investment condition (or policy) to reinvest in financial instruments.

According to the implementation method of the present invention, the investment condition (or policy) by the amount of the investment condition (or policy) information is the card rewards earned (or obtained) by the customer using the card reaches the predetermined amount, It is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information is the accumulation (or acquisition) when the card rewards earned (or obtained) using the card reaches 100,000 won in cash. It is preferable to include an investment condition (or a policy) for reinvesting the card reward corresponding to the cash amount of 100,000 won in at least one financial product managed by at least one financial product manager.

According to the implementation method of the present invention, the investment conditions (or policies) for the period and amount of the investment condition (or policy) information are such that the card rewards earned (or obtained) by the customer using the card for a certain period of time are set to a certain amount. If so, it is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) for each term and amount of the investment condition (or policy) information is the credit (received) when the credit card earned (or obtained) by the customer for 3 months using the card is 30,000 won or less in cash. Or reinvest the acquired card rewards in financial instrument A (or at least one director's financial instrument with a minimum investment of 30,000 won), and the customer earned (or obtained) using the card for three months. If the card reward is more than 30,000 won or less than 50,000 won, reinvest the accumulated (or obtained) card rewards into financial product B (or financial instruments of at least one director whose minimum investment is less than 50,000 won), and the customer If the card rewards earned (or obtained) by using the card for 3 months are 50,000 won or more and 100,000 won or less, the card rewards (or obtained) Reinvest in a financing product C (or at least one director's financial instrument with a minimum investment of 100,000 won) and the card rewards earned (or obtained) using the card for three months with at least 100,000 won in cash. In this case, it is preferable to include an investment condition (or policy) for re-investing the accumulated (or obtained) card rewards in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). Do.

According to the present invention, the investment condition (or policy) information further comprises a distributed investment condition (or policy), wherein the distributed investment condition (or policy) is an amount corresponding to the card reward information. It consists of investing in each of the at least two financial instruments distributed.

For example, if the amount corresponding to the card reward information is 100,000 won, the diversified investment condition (or policy) is to invest 30% (= 30,000 won) of the 100,000 won in Financial Instruments A, and 30% (out of the remaining 70,000 won). It is desirable to include investment conditions (or policies) to invest 30,000 won in financial instrument B and 40% (the remaining 40,000 won) in financial instrument C.

According to an exemplary embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each period of the card reward information, the information checking unit 505 may provide the investment condition (or policy) information. By comparing the period information included in the and the date and time information included in the card reward information based on the current standard time information (for example, the standard time information confirmed from the timer provided in the investment manager server 500), the card reward information It is advisable to check for reinvestment.

According to another exemplary embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each amount of the card reward information, the information checking unit 505 is included in the card reward information. Summing the card reward value (e.g., the card reward value earned (or obtained) after the previously reinvested card reward value), converting the summed card reward value into cash, and converting the converted amount and the investment condition ( Alternatively, it is preferable to confirm whether reinvestment is established for the card reward information by comparing the amount information included in the policy) information.

According to another exemplary embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each period and amount of the card reward information, the information checking unit 505 may determine the investment condition (or policy). Or the policy) by comparing the period information included in the information with the date and time information included in the card reward information based on current standard time information (for example, standard time information confirmed from a timer provided in the investment manager server 500). Confirm whether reinvestment per period for the card reward information is established, and also sum the card reward value included in the card reward information during the period, convert the summed card reward value into cash, convert the converted amount and the investment By comparing at least one or more amounts of information included in the condition (or policy) information, the card reward information It is desirable to determine whether the investment is established.

In addition, when the investment condition (or policy) information includes investment conditions (or policies) for each period and amount of the card reward information, the information checking unit 505 adds the card reward value included in the card reward information. (E.g., the card reward value earned (or obtained) after the previously reinvested card reward value), convert the summed card reward value into cash, and convert the amount and the investment condition (or policy) information into the converted amount. By comparing the amount information included, it is confirmed whether the reinvestment is established by the amount of the card reward information, and the date and time information included in the card reward information is present in the standard time information (for example, the timer provided in the investment manager server 500) And at least one period of time information included in the investment condition (or policy) information based on the standard time information obtained from As such, it is desirable to determine the reinvested established whether the card reward information.

When the information extracting unit 510 reinvests the card reward information corresponding to the customer card information in at least one or more investment target financial products as a result of the confirmation by the information checking unit 505, the reinvestment information D / B Extracting the investment target financial product information and investment condition (or policy) information linked to the customer card information from the card information, and extracting the card reward information linked to the card information from the reward information D / B. .

According to an exemplary embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each period of the card reward information, the information extracting unit 510 is stored in the reinvestment information D / B. The investment condition (or policy) for each period is extracted from the investment condition (or policy) information, and at least one card reward value corresponding to the investment condition (or policy) for each period is extracted from the reward information D / B. It is preferable to provide to the generation unit 525.

Further, when the investment condition (or policy) for each period of the card reward information is included in the investment condition (or policy) information as described above, the information extracting unit 510 corresponds to the card reward information from the reward information D / B. It is preferable that the predetermined investment amount withdrawal account information is extracted and provided to the information generation unit 525, and / or at least one or more investments meeting the investment conditions (or policies) for each period from the reinvestment information D / B. It is preferable to extract the investment amount deposit account information corresponding to (or included) the target financial product information and the investment target financial product information and provide the extracted information to the information generator 525.

According to another exemplary embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each amount of the card reward information, the information extracting unit 510 transmits the information to the reinvestment information D / B. Extract the investment condition (or policy) for each amount from the stored investment condition (or policy) information, and extract at least one card reward value corresponding to the investment condition (or policy) for each amount from the reward information D / B It is preferable to provide the information generating unit 525.

Also, when the investment condition (or policy) for each amount of the card reward information is included in the investment condition (or policy) information as described above, the information extracting unit 510 corresponds to the card reward information from the reward information D / B. It is preferable that the predetermined investment amount withdrawal account information is extracted and provided to the information generation unit 525, and / or at least one or more investments satisfying the investment conditions (or policies) for each amount from the reinvestment information D / B. It is preferable to extract the investment amount deposit account information corresponding to (or included) the target financial product information and the investment target financial product information and provide the extracted information to the information generator 525.

According to another exemplary embodiment of the present invention, when the investment condition (or policy) information includes the investment condition (or policy) for each period and amount of the card reward information, the information extracting unit 510 may generate the reinvestment information D. At least one or more investment conditions (or policies) extracted from the investment condition (or policy) information stored in / B and matching the investment conditions (or policies) by the period and amount from the reward information D / B. The card reward value may be extracted and provided to the information generator 525.

In addition, when the investment condition (or policy) by the period and amount of the card reward information is included in the investment condition (or policy) information as described above, the information extraction unit 510 is the card reward from the reward information D / B It is preferable to extract the predetermined investment amount withdrawal account information corresponding to the information and provide it to the information generation unit 525, and / or to meet the investment conditions (or policies) for each period and amount from the reinvestment information D / B. Preferably, at least one investment target financial product information and investment amount deposit account information corresponding to (or included) the investment target financial product information are extracted and provided to the information generation unit 525.

According to an exemplary embodiment of the present invention, the information extracting unit 510 may include predetermined customer information corresponding to the card information from a predetermined customer information D / B (not shown) (eg, a customer's name, social security number, and mobile terminal information). Etc.) is preferably extracted and provided to the information generation unit 525.

The customer approval unit 550 extracts the card reward information from the reward information D / B by the information extraction unit 510, and extracts the investment target financial product information from the reinvestment information D / B. A predetermined wireless message (eg, a Short Message Service (SMS) and / or a Multimedia Message Service) including information on investing the amount of money corresponding to the extracted card reward information in the extracted investment target financial product; MMS) and the like, and transmit the generated wireless message to the customer wireless terminal corresponding to the customer wireless terminal information included in the customer information extracted from the customer information D / B (not shown) through a predetermined wireless communication network. By doing so, it is characterized in that confirming the customer approval for the card reward reinvestment.

According to the method of the present invention, the customer approval unit 550 extracts the amount of money corresponding to the extracted card reward information according to the extracted term and / or investment condition (or policy) for each amount of the extracted investment target financial product. Generate a predetermined wireless message (e.g., a Short Message Service (SMS) and / or a Multimedia Message Service (MMS), etc.) including the contents invested in, and convert the generated wireless message into the customer information. It is preferable to transmit to the customer wireless terminal corresponding to the customer wireless terminal information included in the customer information extracted from the D / B (not shown).

In addition, when the extracted investment target financial product information includes at least two or more information, the wireless message may include at least one or more investment target financial products that will actually invest the amount corresponding to the card reward among the plurality of investment target financial product information. It is preferable to further comprise a user interface for selecting.

According to an embodiment of the present invention, the wireless message to confirm that the customer approved to invest in the extracted investment target financial product corresponding to the extracted card reward information, the investment manager server 500 (And / or a predetermined callback URL corresponding to the customer approval unit 550), and preferably, when the customer wireless terminal approves the card reward reinvestment, the customer wireless terminal. Is preferably connected to the investment manager server 500 (and / or the customer approval unit 550) through the callback UEL.

When the customer wireless terminal accesses through the callback UL, the customer approval unit 550 confidentiality of the amount of money corresponding to the extracted card reward information to the customer wireless terminal to invest in the extracted investment target financial products It provides a predetermined user interface to secure (Confidentiality), Authentication (Authentication), Integrity (Nonrepudiation), and the like.

According to one embodiment of the invention, the user interface for customer approval preferably comprises a user interface for inputting a card password for the card issued to the customer through the card issuing system shown in Figure 1 .

According to another exemplary embodiment of the present invention, if the financial IC chip is provided in the customer wireless terminal, the user interface for the customer approval is based on the confidentiality of the card reward based on a certificate provided in the financial IC chip. It is desirable to include a predetermined user interface to ensure authentication, integrity, nonrepudiation, and the like.

When the customer approval for investing the amount of money corresponding to the extracted card reward information in the extracted investment target financial product is confirmed by the customer approval unit 550, the information generating unit 525 is configured to extract the information. 510 calculates an investment amount corresponding to the card reward information by summing the card reward value corresponding to the card reward information extracted from the reward information D / B and converting the summed card reward value into cash. Characterized in that.

In addition, the information generating unit 525 may include predetermined investment processing information including the calculated investment amount, investment amount withdrawal account information, investment amount deposit account information, and customer information extracted by the information extraction unit 510. And generating the investment processing information to the financial product investment unit 520.

In this case, the investment processing information is required to perform the financial business to process the investment manager server 500 to interoperate with a predetermined financial system to invest the amount corresponding to the card reward information in at least one investment target financial product. It is made including essential information, and may be further included at least one or more information according to the intention of those skilled in the art.

The financial product investment unit 520 converts the investment processing information according to a communication protocol promised with a financial system that performs a financial operation for processing an amount corresponding to the card reward information to invest in at least one or more investment target financial products. (Eg, inserting the investment processing information into a communication protocol stack promised with the financial system) and then transmitting the investment processing information to the financial system through a predetermined financial network, based on the generated investment processing information. The investment amount calculated corresponding to the card reward information is processed to invest in at least one or more investment target financial products according to the investment condition (or policy) information.

Thereafter, the financial system withdraws the amount corresponding to the investment amount information from the financial account corresponding to the investment amount withdrawal account information included in the investment processing information, and deposits the investment amount deposit account under the name of the customer corresponding to the customer information. And depositing money in a financial account corresponding to the information, whereby the customer corresponding to the customer information has invested the amount corresponding to the investment amount information into the financial product corresponding to the investment amount deposit account information. do.

When it is confirmed that the financial product investment unit 520 has invested in at least one investment target financial product according to the investment condition (or policy) information, the investment amount corresponding to the card reward information in association with the financial system, The investment information storage unit 525 may include the customer information, the investment amount information, and the financial product information in which the investment amount is invested (eg, at least one or more investment target financial product information extracted by the information extraction unit 510). And generate the reward information of the card, including the at least one financial product information in which the investment amount is invested by the financial product investment unit 520, the customer information and the investment amount information included in the card reward investment information, and It is characterized in that the financial product information linked to the predetermined predetermined investment information stored in the D / B, and then the investment manager server 500 ) Refers to the card reward investment information stored in the investment information D / B to provide the customer with the profit of the investment.

According to the method of the present invention, the card reward investment information stored in the investment information D / B is a customer wire communication means, such as e-mail (e-mail), and / or wireless messages (e.g. short message, multimedia message, etc.) It may be provided to the customer through a customer wireless communication means such as, and / or provided to the customer included in the next month's card specification.

13 is a diagram illustrating a process of generating card reward information according to an exemplary embodiment of the present invention.

More specifically, FIG. 13 generates card reward information corresponding to a reinvestment target according to the present invention through a card payment system on the card reward reinvestment system shown in FIG. The present invention relates to a process of storing in D / B, and more particularly, to an embodiment of generating the card reward information in the card payment process.

Those skilled in the art to which the present invention pertains refer to and / or modify this drawing 13, and other types of card payment systems other than the card payment system through a payment terminal provided in the offline merchant shown in this drawing 13 (E.g., an online card payment system, a wireless card payment system, etc.) to generate card reward information corresponding to a reinvestment target according to the present invention, and process it in association with predetermined card information to store in the predetermined reward information D / B. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 13, when paying a card at at least one offline affiliated store, a payment terminal provided at the offline affiliated store is determined from a card issued to the customer through the card issuing system shown in FIG. 1 through a predetermined card reader. Read a predetermined payment means information, the predetermined payment approval request message containing the predetermined payment means information and predetermined payment information (for example, the payment amount and installment months input from the key input device provided in the payment terminal) Generate (1300), transmit the generated payment approval request message to a payment server 530 through a predetermined payment network (VAN) (1305), and the payment network includes the payment approval request message; Processes to be relayed to the payment server 530 provided in the card issuer that issued the card corresponding to the.

Thereafter, the payment server 530 receives and reads the payment approval request text (for example, by using payment means information and payment information included in the payment approval request text), and the payment corresponding to the payment approval request text. Perform the approval procedure (1310).

According to an exemplary embodiment of the present invention, when the payment means information included in the full payment approval request message includes credit card information, the payment server 530 sets the credit limit of the credit card customer based on the credit card information. It is preferable to inquire and to approve payment processing for the payment amount included in the payment information based on the credit limit.

According to another embodiment of the present invention, when the payment means information included in the full payment approval request includes check card information and / or debit card information, the payment server 530 may debit the check card information and / or debit. It is preferable to query a predetermined customer financial account balance associated with the card information, and approve payment processing for the payment amount included in the payment information based on the balance inquiry result.

Those skilled in the art will be familiar with the various payment approval methods corresponding to the payment means information, in addition to the payment approval method described above, the detailed description thereof will be omitted for convenience.

If the payment approval request is not approved as a result of performing the payment approval procedure (for example, if a payment error occurs while performing the payment approval procedure) (1315), the payment server 530 reads a predetermined payment error history. Generate a payment processing history including a payment (1320), generate a predetermined payment approval text including the generated payment processing history (1325), and transmit the generated payment approval text to the payment terminal through the payment network; In operation 1330, the payment terminal receives the payment approval message through the payment network, and outputs and / or prints the payment processing history included in the payment approval message (1335).

On the other hand, if the payment approval request is approved as a result of performing the payment approval procedure (1315), the payment server 530 generates a payment processing history including a predetermined payment approval details (1340), and the generated payment processing Generate a predetermined payment approval full text including the details (1325), and transmits the generated payment approval full text to the payment terminal through the payment network (1330), and correspondingly the payment terminal through the payment network The payment approval message is received, and the payment processing history included in the payment approval message is displayed and / or printed (1335).

When the payment processing details including the payment approval details are generated by the payment server 530, the payment server 530 reads the payment processing details to determine whether it is possible to generate a card reward value according to the present invention. (1345).

According to the implementation method of the present invention, the payment processing details include the payment approved card information, the affiliated store information, payment authorization amount information, etc., the payment server 530 is the card information, the affiliated store information In addition, it is preferable to check whether it is effective to accumulate predetermined card rewards (eg, mileage points) on the card based on payment approval amount information.

If one of ordinary skill in the art to which the present invention belongs, the card information and the affiliated store according to the predetermined card reward accumulation policy (for example, mileage point accumulation policy) provided in each card company (or card reward provider) Based on the information, payment approval amount information will be familiar with the various implementation methods for confirming that it is effective to earn a predetermined card reward (for example, mileage points) on the card, detailed description thereof will be omitted for convenience.

If a predetermined card reward value cannot be generated in the payment approved card (for example, if the mileage points cannot be accumulated in the payment approved card) (1350), the payment server 530 generates the card reward information. Shall not be performed.

On the other hand, if it is possible to generate a predetermined card reward value in the payment approved card (for example, if you can earn mileage points in the payment approved card) (1350), the payment server 530 corresponds to the payment processing history Generate a predetermined card reward value (for example, mileage points) (1355), and confirm the generated card reward value and the date and time information for which the card reward value was generated (for example, from a timer provided in the payment server 530). Generate the predetermined card reward information including the current standard time information) (1360), and process the card information included in the payment processing history and the generated card reward information in a predetermined reward information D / B. (1365)

14 is a diagram illustrating a process of generating card reward information according to another exemplary embodiment of the present invention.

More specifically, FIG. 14 generates card reward information corresponding to a reinvestment subject according to the present invention through a card payment system on the card reward reinvestment system shown in FIG. 12, and processes the card reward information in association with predetermined card information. The present invention relates to a process of storing in a D / B. Specifically, the present invention relates to a method of generating the card reward information for the card payment after the card payment process is performed.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 14, and other types of card payment systems other than a card payment system through a payment terminal provided in an offline affiliated store shown in this drawing 14. (E.g., an online card payment system, a wireless card payment system, etc.) to generate card reward information corresponding to a reinvestment target according to the present invention, and process it in association with predetermined card information to store in the predetermined reward information D / B. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 14, when paying a card at at least one offline merchant, the payment terminal provided at the offline affiliated store is determined from a card issued to the customer through the card issuing system shown in FIG. 1 through a predetermined card reader. Read a predetermined payment means information, the predetermined payment approval request message containing the predetermined payment means information and predetermined payment information (for example, the payment amount and installment months input from the key input device provided in the payment terminal) Generate (1400), transmit the generated payment approval request message to a payment server 530 through a predetermined payment network (VAN) (1405), and the payment network includes the payment approval request message; Processes to be relayed to the payment server 530 provided in the card issuer that issued the card corresponding to the.

Thereafter, the payment server 530 receives and reads the payment approval request text (for example, by using payment means information and payment information included in the payment approval request text), and the payment corresponding to the payment approval request text. Perform the approval procedure (1410).

According to an exemplary embodiment of the present invention, when the payment means information included in the full payment approval request message includes credit card information, the payment server 530 sets the credit limit of the credit card customer based on the credit card information. It is preferable to inquire and to approve payment processing for the payment amount included in the payment information based on the credit limit.

According to another embodiment of the present invention, when the payment means information included in the full payment approval request includes check card information and / or debit card information, the payment server 530 may debit the check card information and / or debit. It is preferable to query a predetermined customer financial account balance associated with the card information, and approve payment processing for the payment amount included in the payment information based on the balance inquiry result.

Those skilled in the art will be familiar with the various payment approval methods corresponding to the payment means information, in addition to the payment approval method described above, the detailed description thereof will be omitted for convenience.

If the payment approval request is not approved as a result of performing the payment approval procedure (for example, if a payment error occurs during the payment approval procedure) (1415), the payment server 530 displays a predetermined payment error history. Generate a payment processing history that includes (1420).

On the other hand, if the payment approval request is approved as a result of performing the payment approval procedure (1415), the payment server 530 generates a payment processing history including a predetermined payment approval history (1425).

Thereafter, the payment server 530 generates a predetermined payment approval text including the generated payment processing details (1430), and transmits the generated payment approval text to the payment terminal through the payment network (1435). In response, the payment terminal receives the payment approval message through the payment network, and outputs and / or prints the payment processing details included in the payment approval message (1440).

After the predetermined card payment process is made as described above, the payment server 530 reads the payment processing history and checks whether it is possible to generate a card reward value according to the present invention (1445).

According to the implementation method of the present invention, the payment processing details include the payment approved card information, the affiliated store information, payment authorization amount information, etc., the payment server 530 is the card information, the affiliated store information In addition, it is preferable to check whether it is effective to accumulate predetermined card rewards (eg, mileage points) on the card based on payment approval amount information.

If one of ordinary skill in the art to which the present invention belongs, the card information and the affiliated store according to the predetermined card reward accumulation policy (for example, mileage point accumulation policy) provided in each card company (or card reward provider) Based on the information, payment approval amount information will be familiar with the various implementation methods for confirming that it is effective to earn a predetermined card reward (for example, mileage points) on the card, detailed description thereof will be omitted for convenience.

If a predetermined card reward value cannot be generated in the payment approved card (for example, if the mileage points cannot be accumulated in the payment approved card) (1450), the payment server 530 generates the card reward information. Shall not be performed.

On the other hand, if it is possible to generate a predetermined card reward value in the payment approved card (for example, if you can earn mileage points in the payment approved card) (1450), the payment server 530 corresponds to the payment processing history Generate a predetermined card reward value (eg, mileage points) (1455), and confirm the generated card reward value and the date and time information at which the card reward value was generated (eg, from a timer provided in the payment server 530). Generate predetermined card reward information including current standard time information) (1460), and process the card information included in the payment processing history and the generated card reward information in a predetermined reward information D / B. (1465).

15A and 15B illustrate a reinvestment process of a card reward according to an exemplary embodiment of the present invention.

In more detail, FIGS. 15A and 15B illustrate reinvestment of the card reward information generated through the card settlement system through the financial product investment system on the card reward reinvestment system shown in FIG. 12 and stored in predetermined reward information D / B. Reinvesting in at least one or more financial instruments in accordance with certain investment conditions (or policies) stored in information D / B, specifically after customer approval for reinvesting the card rewards in at least one or more financial instruments The present invention relates to a method for reinvesting the card reward information in at least one investment target financial product according to investment conditions (or policies) for each period.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 15a and 15b so that the reinvestment process of the card rewards is carried out at least one or more other than the financial system shown in FIGS. 15a and 15b. Various implementations in which the card reward information is reinvested into at least one or more investment target financial products according to a predetermined investment condition (or policy) stored in the reinvestment information D / B through another computer system (eg, a securities system, an insurance system, etc.). The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 15A and 15B.

Hereinafter, the investment manager server 500 shown in FIG. 12 in FIGS. 15A and 15B will be referred to as a "server" for convenience.

Referring to FIGS. 15A and 15B, the server may designate a predetermined card reward among at least one or more card information stored in the reinvestment information D / B (or reward information D / B) for reinvestment of the card reward according to the present invention. The card information to be reinvested is selected (1500).

Thereafter, the server compares the investment condition (or policy) for each period stored in the reinvestment information D / B and the date and time information of the card reward information stored in the reward information D / B based on the selected card information based on the current standard time. In step 1505, the investment condition of the card reward information is established.

According to an exemplary embodiment of the present invention, the investment condition (or policy) information stored in the reinvestment information D / B may include a condition (or a condition for investing the card reward in at least one financial product operated by at least one financial product manager. Policy), and the investment condition (or policy) is characterized by including the investment condition (or policy) and / or the investment condition (or policy) by amount for the card reward.

According to an exemplary embodiment of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one financial reward for a card reward earned (or obtained) by the customer using the card for a predetermined period of time. It is desirable to include an investment condition (or policy) to reinvest in at least one or more financial instruments operated by a product manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one or more card rewards that the customer accumulates (or acquires) by using the card for one month at least one or more financial product managers. It may include an investment condition (or policy) to reinvest in financial instruments.

According to another exemplary embodiment of the present invention, the investment condition (or policy) for each amount of the investment condition (or policy) information is the card reward earned (or obtained) by the customer using the card reaches a predetermined amount. In addition, it is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information is the credit (or acquisition) when the customer's card rewards earned (or obtained) using the card reaches 100,000 won in cash. It is preferable to include an investment condition (or policy) for reinvesting the card reward corresponding to the cash amount of 100,000 won in at least one financial product managed by at least one financial product manager.

According to another exemplary embodiment of the present invention, the investment condition (or policy) by period and amount of the investment condition (or policy) information may include a card reward earned (or obtained) by the customer using the card for a certain period of time. When a certain amount is reached, it is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) for each term and amount of the investment condition (or policy) information is the credit (received) when the credit card earned (or obtained) by the customer for 3 months using the card is 30,000 won or less in cash. Or reinvest the acquired card rewards in financial instrument A (or at least one director's financial instrument with a minimum investment of 30,000 won), and the customer earned (or obtained) using the card for three months. If the card reward is more than 30,000 won or less than 50,000 won, reinvest the accumulated (or obtained) card rewards into financial product B (or financial instruments of at least one director whose minimum investment is less than 50,000 won), and the customer If the card rewards earned (or obtained) by using the card for 3 months are 50,000 won or more and 100,000 won or less, the card rewards (or obtained) Reinvest in a financing product C (or at least one director's financial instrument with a minimum investment of 100,000 won) and the card rewards earned (or obtained) using the card for three months with at least 100,000 won in cash. In this case, it is preferable to include an investment condition (or policy) for re-investing the accumulated (or obtained) card rewards in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). Do.

According to the method of the present invention, the server includes the period information included in the investment condition (or policy) information and the date and time information included in the card reward information in the current standard time information (for example, the investment manager server 500). It is preferable to confirm whether the reinvestment of the card reward information is established by comparing the time (standard time information confirmed from the timer).

If it is confirmed that the investment conditions for each period have been established (1510), the server recognizes that at least one card reward value and the card for which the investment conditions for each period have been established from the reward information D / B through the selected card information. The predetermined investment amount withdrawal account information corresponding to the reward information is extracted (1515), the extracted at least one card reward value is added, and the sum of the summed card reward values is converted into cash to calculate a predetermined investment amount. (1520).

Thereafter, the server provides at least one investment target financial product information corresponding to the investment condition (or policy) for each period and investment amount deposit account information for each investment target financial instrument from the reinvestment information D / B through the selected card information. Extraction (1525), and also extracts predetermined card customer information corresponding to the card information from the predetermined customer information D / B (not shown) (1530).

According to the method of the present invention, the investment target financial product information stored in the reinvestment information D / B includes at least one or more of: deposits, securities investment products, fund investment products, bond investment products, insurance investment products, etc. Financial product investment information including at least one financial product name, investment period, yield (or interest rate), minimum investment amount, investment amount deposit account information, etc., for a financial instrument to operate; Characterized in that it comprises the manager information.

According to an exemplary embodiment of the present invention, the financial product investment information of the investment target financial product information may be invested in at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, the information is included, and the customer may select at least one financial product to invest the card reward based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include investment information on a card reward-only financial product designed to invest the card reward, and the present invention is not limited thereto.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one financial product to invest the card reward based on the financial product manager information with respect to the same (or similar) financial product investment information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

Thereafter, the server generates a wireless message for customer approval through the extracted card reward information and the investment target financial product information (1535).

Here, the wireless message for customer approval may include a predetermined wireless message (eg, a short message service (SMS)) including a content of investing an amount corresponding to the extracted card reward information in the extracted investment target financial product. And / or Multimedia Message Service (MMS), etc.).

In addition, the wireless message for customer approval includes a predetermined callback UEL for confirming when the customer wireless terminal has approved the amount of money corresponding to the extracted card reward information to invest in the extracted investment target financial products Preferably, the callback UEL includes the network address information for the customer wireless terminal to access the server through a predetermined wireless communication network.

When the customer approval wireless message is generated as described above, the server transmits the generated customer approval wireless message to the customer wireless terminal through a predetermined wireless communication network based on the customer wireless terminal information included in the extracted customer information. In operation 1540, the customer approval for investing the amount of money corresponding to the extracted card reward information in the extracted investment target financial product is confirmed.

According to an embodiment of the present invention, when the customer wireless terminal accesses the server through the callback UEL for the customer approval, the customer approval unit 550 corresponds to the extracted card reward information to the customer wireless terminal. It provides a predetermined user interface for securing confidentiality, authentication, integrity and non-repudiation of the amount invested in the extracted investment target financial products.

According to one embodiment of the invention, the user interface for customer approval preferably comprises a user interface for inputting a card password for the card issued to the customer through the card issuing system shown in Figure 1 .

According to another exemplary embodiment of the present invention, if the financial IC chip is provided in the customer wireless terminal, the user interface for the customer approval is based on the confidentiality of the card reward based on a certificate provided in the financial IC chip. It is desirable to include a predetermined user interface to ensure authentication, integrity, nonrepudiation, and the like.

If the customer approval is not confirmed to invest the amount corresponding to the extracted card reward information in the extracted investment target financial product (1545), the server generates a predetermined card reward reinvestment error message. In step 1550, the process transmits the amount of money corresponding to the extracted card reward information to the extracted investment target financial product.

On the other hand, when the customer approval for investing the amount corresponding to the extracted card reward information in the extracted investment target financial product is confirmed (1545), the server calculates the calculated investment amount and the extracted investment amount withdrawal account information. And generate investment processing information for each period including investment amount deposit account information and customer information (1555), and the investment amount and investment amount withdrawal account information and investment amount deposit account with a predetermined financial system in which the financial account is opened. By transmitting investment investment information including information and customer information for each period, a request for performing a period-specific investment procedure for the card reward (1560) is performed.

In response to the request, the financial system withdraws the investment amount from a predetermined investment amount withdrawal account corresponding to the investment amount withdrawal account information, and withdraws the investment amount in the name of a customer corresponding to the customer information. The deposit is processed into the investment amount deposit account corresponding to the deposit account information (1565).

When the card reward investment procedure is completed in the financial system (1570), the server generates card reward investment information for each period including the customer information, the investment amount, and the financial product information in which the investment amount is invested. In operation 1575, the card reward investment information formed by linking the customer information, the investment amount, and the financial product information in which the investment amount is invested is stored in a predetermined investment information D / B (1580). The card reward investment information stored in the investment information D / B is provided to provide the customer with the profit of the investment.

According to the method of the present invention, the card reward investment information stored in the investment information D / B is a customer wire communication means, such as e-mail (e-mail), and / or wireless messages (e.g. short message, multimedia message, etc.) It may be provided to the customer through a customer wireless communication means such as, and / or provided to the customer included in the next month's card specification.

16A and 16B illustrate a reinvestment process of a card reward according to another exemplary embodiment of the present invention.

In more detail, FIGS. 16A and 16B illustrate reinvesting the card reward information generated through the card settlement system through the financial product investment system on the card reward reinvestment system shown in FIG. 12 and stored in predetermined reward information D / B. Reinvesting in at least one or more financial instruments in accordance with certain investment conditions (or policies) stored in information D / B, specifically after customer approval for reinvesting the card rewards in at least one or more financial instruments The present invention relates to a method for reinvesting the card reward information in at least one investment target financial product according to an investment condition (or policy) for each amount.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 16a and 16b so that the reinvestment process of the card rewards is carried out at least one or more other than the financial system shown in FIGS. 16a and 16b. Various implementations in which the card reward information is reinvested into at least one or more investment target financial products according to a predetermined investment condition (or policy) stored in the reinvestment information D / B through another computer system (eg, a securities system, an insurance system, etc.). The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 16A and 16B.

In the following figures 16a and 16b, the investment manager server 500 shown in FIG. 12 is referred to as " server " for convenience.

Referring to FIGS. 16A and 16B, the server may designate a predetermined card reward among at least one or more card information stored in the reinvestment information D / B (or reward information D / B) for reinvestment of the card reward according to the present invention. The card information to be reinvested is selected (1600).

Subsequently, the server calculates a predetermined amount by adding and rewarding a card reward value of card reward information included in the investment object from the reward information D / B using the selected card information and converting it into cash (1605). The amount calculated by summing the reward value and the investment condition (or policy) for each amount stored in the reinvestment information D / B are compared to determine whether the investment condition for each amount of the card reward information is established (1610).

According to an exemplary embodiment of the present invention, the investment condition (or policy) information stored in the reinvestment information D / B may include a condition for investing the card reward in at least one financial product operated by at least one financial product manager ( Or a policy), and the investment condition (or policy) is characterized by including the investment condition (or policy) and / or the investment condition (or policy) for each amount of the card reward.

According to an exemplary embodiment of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one financial reward for a card reward earned (or obtained) by the customer using the card for a predetermined period of time. It is desirable to include an investment condition (or policy) to reinvest in at least one or more financial instruments operated by a product manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one or more card rewards that the customer accumulates (or acquires) by using the card for one month at least one or more financial product managers. It may include an investment condition (or policy) to reinvest in financial instruments.

According to another exemplary embodiment of the present invention, the investment condition (or policy) for each amount of the investment condition (or policy) information is the card reward earned (or obtained) by the customer using the card reaches a predetermined amount. In addition, it is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information is the accumulation (or acquisition) when the card rewards earned (or obtained) using the card reaches 100,000 won in cash. It is preferable to include an investment condition (or a policy) for reinvesting the card reward corresponding to the cash amount of 100,000 won in at least one financial product managed by at least one financial product manager.

According to another exemplary embodiment of the present invention, the investment condition (or policy) by period and amount of the investment condition (or policy) information may include a card reward earned (or obtained) by the customer using the card for a certain period of time. When a certain amount is reached, it is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) for each term and amount of the investment condition (or policy) information is the credit (received) when the credit card earned (or obtained) by the customer for 3 months using the card is 30,000 won or less in cash. Or reinvest the acquired card rewards in financial instrument A (or at least one director's financial instrument with a minimum investment of 30,000 won), and the customer earned (or obtained) using the card for three months. If the card reward is more than 30,000 won or less than 50,000 won, reinvest the accumulated (or obtained) card rewards into financial product B (or financial instruments of at least one director whose minimum investment is less than 50,000 won), and the customer If the card rewards earned (or obtained) by using the card for 3 months are 50,000 won or more and 100,000 won or less, the card rewards (or obtained) Reinvest in a financing product C (or at least one director's financial instrument with a minimum investment of 100,000 won) and the card rewards earned (or obtained) using the card for three months with at least 100,000 won in cash. In this case, it is preferable to include an investment condition (or policy) for re-investing the accumulated (or obtained) card rewards in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). Do.

According to an embodiment of the present invention, the server sums the card reward value included in the card reward information (e.g., the card reward value accumulated (or obtained) after the previously reinvested card reward value), and the sum It is preferable to check whether the reinvestment of the card reward information is established by converting the card reward value into cash and comparing the converted amount with the amount information included in the investment condition (or policy) information.

According to another exemplary embodiment of the present invention, the server compares the amount of information included in the investment condition (or policy) information without converting the summed card reward value into cash, thereby establishing whether to reinvest the card reward information. It is possible to confirm, whereby the present invention is not limited.

If it is confirmed that the investment condition by the amount is established (1615), the server recognizes at least one card reward value and the card that the investment condition by the amount is confirmed from the reward information D / B through the selected card information. The predetermined investment amount withdrawal account information corresponding to the reward information is extracted (1620), the extracted at least one card reward value is added, and the sum of the sum of the card reward rewards is converted into cash to calculate a predetermined investment amount. (1625).

Thereafter, the server provides the at least one investment target financial product information corresponding to the investment condition (or policy) for each amount and investment amount deposit account information for each investment target financial instrument from the reinvestment information D / B through the selected card information. And extracting 1630, and also extracts predetermined card customer information corresponding to the card information from the predetermined customer information D / B (not shown) (1635).

According to the method of the present invention, the investment target financial product information stored in the reinvestment information D / B includes at least one or more of: deposits, securities investment products, fund investment products, bond investment products, insurance investment products, etc. Financial product investment information including at least one financial product name, investment period, yield (or interest rate), minimum investment amount, investment amount deposit account information, etc., for a financial instrument to operate; Characterized in that it comprises the manager information.

According to an exemplary embodiment of the present invention, the financial product investment information of the investment target financial product information may be invested in at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, the information is included, and the customer may select at least one financial product to invest the card reward based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include investment information on a card reward-only financial product designed to invest the card reward, and the present invention is not limited thereto.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one financial product to invest the card reward based on the financial product manager information with respect to the same (or similar) financial product investment information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

Thereafter, the server generates a wireless message for customer approval through the extracted card reward information and the investment target financial product information (1640).

Here, the wireless message for customer approval may include a predetermined wireless message (eg, a short message service (SMS)) including a content of investing an amount corresponding to the extracted card reward information in the extracted investment target financial product. And / or Multimedia Message Service (MMS), etc.).

In addition, the wireless message for customer approval includes a predetermined callback UEL for confirming when the customer wireless terminal has approved the amount of money corresponding to the extracted card reward information to invest in the extracted investment target financial products Preferably, the callback UEL includes the network address information for the customer wireless terminal to access the server through a predetermined wireless communication network.

When the customer approval wireless message is generated as described above, the server transmits the generated customer approval wireless message to the customer wireless terminal through a predetermined wireless communication network based on the customer wireless terminal information included in the extracted customer information. In operation 1645, the client approves the customer approval to invest the amount of money corresponding to the extracted card reward information in the extracted investment target financial product.

According to an embodiment of the present invention, when the customer wireless terminal accesses the server through the callback UEL for the customer approval, the customer approval unit 550 corresponds to the extracted card reward information to the customer wireless terminal. It provides a predetermined user interface for securing confidentiality, authentication, integrity and non-repudiation of the amount invested in the extracted investment target financial products.

According to one embodiment of the invention, the user interface for customer approval preferably comprises a user interface for inputting a card password for the card issued to the customer through the card issuing system shown in Figure 1 .

According to another exemplary embodiment of the present invention, if the financial IC chip is provided in the customer wireless terminal, the user interface for the customer approval is based on the confidentiality of the card reward based on a certificate provided in the financial IC chip. It is desirable to include a predetermined user interface to ensure authentication, integrity, nonrepudiation, and the like.

If the customer approval result does not confirm customer approval for investing the amount corresponding to the extracted card reward information in the extracted investment target financial product (1650), the server generates a predetermined card reward reinvestment error message. In step 1655, the mobile terminal transmits the amount of money corresponding to the extracted card reward information to the extracted investment target financial product.

On the other hand, when the customer approval for investing the amount corresponding to the extracted card reward information in the extracted investment target financial product is confirmed (1660), the server calculates the calculated investment amount and the extracted investment amount withdrawal account information. And generate investment processing information for a predetermined amount including investment amount deposit account information and customer information (1665), and deposit the investment amount, investment amount withdrawal account information and investment amount into a predetermined financial system in which the financial account is opened. By transmitting investment processing information for each amount of money including account information and customer information, a request is made to perform an investment process for each amount of money for the card reward (1670).

In response to the request, the financial system withdraws the investment amount from a predetermined investment amount withdrawal account corresponding to the investment amount withdrawal account information, and withdraws the investment amount in the name of a customer corresponding to the customer information. The deposit is processed into the investment amount deposit account corresponding to the deposit account information (1675).

When the card reward investment procedure is completed in the financial system (1680), the server generates card reward investment information for each predetermined amount including the customer information, the investment amount, and the financial product information in which the investment amount is invested. In operation 1690, the card reward investment information formed by linking the customer information, the investment amount, and the financial product information in which the investment amount is invested is stored in a predetermined investment information D / B (1690). The card reward investment information stored in the investment information D / B is provided to provide the customer with the profit of the investment.

According to the method of the present invention, the card reward investment information stored in the investment information D / B is a customer wire communication means, such as e-mail (e-mail), and / or wireless messages (e.g. short message, multimedia message, etc.) It may be provided to the customer through a customer wireless communication means such as, and / or provided to the customer included in the next month card use specification.

17A and 17B illustrate a reinvestment process of a card reward according to another exemplary embodiment of the present invention.

In more detail, FIGS. 17A and 17B show the reinvestment of the card reward information generated by the card settlement system through the financial product investment system on the card reward reinvestment system shown in FIG. 12 and stored in predetermined reward information D / B. Reinvesting in at least one or more financial instruments in accordance with certain investment conditions (or policies) stored in information D / B, specifically after customer approval for reinvesting the card rewards in at least one or more financial instruments The present invention relates to a method for reinvesting the card reward information in at least one or more investment target financial products according to investment conditions (or policies) for each period and amount.

Particularly, FIGS. 17A and 17B show time information included in the investment condition (or policy) information and date and time information included in the card reward information, for example, a timer provided in the investment manager server 500. By comparing the time (standard time information confirmed from)) to confirm whether the reinvestment per period for the card reward information is established, and also to add the card reward value included in the card reward information during the period, and the sum of the card reward value And converting the converted amount into cash and comparing the converted amount with at least one or more amount information included in the investment condition (or policy) information, thereby confirming whether reinvestment of the card reward information is established.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 17a and 17b so that the reinvestment process of the card rewards may be performed at least one other than the financial system shown in the drawings 17a and 17b. Various implementations in which the card reward information is reinvested into at least one or more investment target financial products according to a predetermined investment condition (or policy) stored in the reinvestment information D / B through another computer system (eg, a securities system, an insurance system, etc.). The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 17A and 17B.

Hereinafter, in FIG. 17A and FIG. 17B, the investment manager server 500 shown in FIG. 12 is referred to as a "server" for convenience.

Referring to FIGS. 17A and 17B, the server may designate a predetermined card reward among at least one or more card information stored in the reinvestment information D / B (or reward information D / B) for reinvestment of the card reward according to the present invention. The card information to be reinvested is selected (1700).

Thereafter, the server uses the selected card information to determine the investment conditions (or policies) for each of the periods and amounts stored in the reinvestment information D / B and the date and time information of the card reward information stored in the reward information D / B based on the current standard time. In operation 1705, it is determined whether investment conditions are established by period and amount of the card reward information.

According to an exemplary embodiment of the present invention, the investment condition (or policy) information stored in the reinvestment information D / B may include a condition for investing the card reward in at least one financial product operated by at least one financial product manager ( Or a policy), and the investment condition (or policy) is characterized by including the investment condition (or policy) and / or the investment condition (or policy) for each amount of the card reward.

According to an exemplary embodiment of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one financial reward for a card reward earned (or obtained) by the customer using the card for a predetermined period of time. It is desirable to include an investment condition (or policy) to reinvest in at least one or more financial instruments operated by a product manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one card reward that is accumulated (or obtained) by the customer for one month using the card at least one or more financial product managers. It may include an investment condition (or policy) to reinvest in the above financial instruments.

According to another exemplary embodiment of the present invention, the investment condition (or policy) for each amount of the investment condition (or policy) information is the card reward earned (or obtained) by the customer using the card reaches a predetermined amount. In addition, it is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information is the accumulation (or acquisition) when the card rewards earned (or obtained) using the card reaches 100,000 won in cash. It is preferable to include an investment condition (or a policy) for reinvesting the card reward corresponding to the cash amount of 100,000 won in at least one financial product managed by at least one financial product manager.

According to another exemplary embodiment of the present invention, the investment condition (or policy) by period and amount of the investment condition (or policy) information may include a card reward earned (or obtained) by the customer using the card for a certain period of time. When a certain amount is reached, it is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) for each term and amount of the investment condition (or policy) information is the credit (received) when the credit card earned (or obtained) by the customer for 3 months using the card is 30,000 won or less in cash. Or reinvest the acquired card rewards in financial instrument A (or at least one director's financial instrument with a minimum investment of 30,000 won), and the customer earned (or obtained) using the card for three months. If the card reward is more than 30,000 won or less than 50,000 won, reinvest the accumulated (or obtained) card rewards into financial product B (or financial instruments of at least one director whose minimum investment is less than 50,000 won), and the customer If the card rewards earned (or obtained) by using the card for 3 months are 50,000 won or more and 100,000 won or less, the card rewards (or obtained) Reinvest in a financing product C (or at least one director's financial instrument with a minimum investment of 100,000 won) and the card rewards earned (or obtained) using the card for three months with at least 100,000 won in cash. In this case, it is preferable to include an investment condition (or policy) for re-investing the accumulated (or obtained) card rewards in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). Do.

According to the method of the present invention, the server includes the period information included in the investment condition (or policy) information and the date and time information included in the card reward information in the current standard time information (for example, the investment manager server 500). It is preferable to confirm whether the reinvestment of the card reward information is established by comparing the time (standard time information confirmed from the timer).

If it is confirmed that the investment conditions for each period among the investment conditions for each period and amount are established (1710), the server rewards the card reward value of the card reward information included in the investment object from the reward information D / B through the selected card information. Calculate a predetermined amount by adding and converting the amount into cash (1715), and comparing the amount calculated by summing the value of the card reward with the investment conditions (or policies) for the period and amount stored in the reinvestment information D / B. It is checked whether investment conditions are established by period and amount of card reward information (1720).

According to an embodiment of the present invention, the server sums the card reward value included in the card reward information (e.g., the card reward value accumulated (or obtained) after the previously reinvested card reward value), and the sum It is preferable to check whether the reinvestment of the card reward information is established by converting the card reward value into cash and comparing the converted amount with the amount information included in the investment condition (or policy) information.

According to another exemplary embodiment of the present invention, the server compares the amount of information included in the investment condition (or policy) information without converting the summed card reward value into cash, thereby establishing whether to reinvest the card reward information. It is possible to confirm, whereby the present invention is not limited.

If it is confirmed that the investment conditions by the amount of the investment conditions by the period and the amount is established (1725), the server at least confirmed that the investment conditions by the period and amount are established from the reward information D / B through the selected card information Extract one or more card reward values and predetermined investment amount withdrawal account information corresponding to the card reward information (1730), add the extracted one or more card reward values, and convert the sum of the card reward values into cash. A predetermined investment amount is calculated (1735).

Thereafter, the server receives at least one investment target financial product information corresponding to the investment condition (or policy) for each period and amount from the reinvestment information D / B and the investment amount deposit account for each investment target financial product through the selected card information. Information is extracted (1740), and predetermined card customer information corresponding to the card information is extracted (1745) from the predetermined customer information D / B (not shown).

According to the method of the present invention, the investment target financial product information stored in the reinvestment information D / B includes at least one or more of: deposits, securities investment products, fund investment products, bond investment products, insurance investment products, etc. Financial product investment information including at least one financial product name, investment period, yield (or interest rate), minimum investment amount, investment amount deposit account information, etc., for a financial instrument to operate; Characterized in that it comprises the manager information.

According to an exemplary embodiment of the present invention, the financial product investment information of the investment target financial product information may be invested in at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, the information is included, and the customer may select at least one financial product to invest the card reward based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include investment information on a card reward-only financial product designed to invest the card reward, and the present invention is not limited thereto.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one financial product for investing the card reward based on the financial product manager information with respect to the same (or similar) financial product investment information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

Thereafter, the server generates a wireless message for approval of a customer through the extracted card reward information and the investment target financial product information (1750).

Here, the wireless message for customer approval may include a predetermined wireless message (eg, a short message service (SMS)) including a content of investing an amount corresponding to the extracted card reward information in the extracted investment target financial product. And / or Multimedia Message Service (MMS), etc.).

In addition, the wireless message for customer approval includes a predetermined callback UEL for confirming when the customer wireless terminal has approved the amount of money corresponding to the extracted card reward information to invest in the extracted investment target financial products Preferably, the callback UEL includes the network address information for the customer wireless terminal to access the server through a predetermined wireless communication network.

When the customer approval wireless message is generated as described above, the server transmits the generated customer approval wireless message to the customer wireless terminal through a predetermined wireless communication network based on the customer wireless terminal information included in the extracted customer information. And transmits an amount of money corresponding to the extracted card reward information to the customer approval to invest in the extracted investment target financial product (1755).

According to an embodiment of the present invention, when the customer wireless terminal accesses the server through the callback UEL for the customer approval, the customer approval unit 550 corresponds to the extracted card reward information to the customer wireless terminal. It provides a predetermined user interface for securing confidentiality, authentication, integrity and non-repudiation of the amount invested in the extracted investment target financial products.

According to one embodiment of the invention, the user interface for customer approval preferably comprises a user interface for inputting a card password for the card issued to the customer through the card issuing system shown in Figure 1 .

According to another exemplary embodiment of the present invention, if the financial IC chip is provided in the customer wireless terminal, the user interface for the customer approval is based on the confidentiality of the card reward based on a certificate provided in the financial IC chip. It is desirable to include a predetermined user interface to ensure authentication, integrity, nonrepudiation, and the like.

If the customer approval result does not confirm the customer approval for investing the amount corresponding to the extracted card reward information in the extracted investment target financial product (1760), the server generates a predetermined card reward reinvestment error message. In step 1765, the mobile terminal transmits the information to the customer wireless terminal, and ends the process of investing the amount of money corresponding to the extracted card reward information in the extracted investment target financial product.

On the other hand, if the customer approval for investing the amount corresponding to the extracted card reward information in the extracted investment target financial product is confirmed (1760), the server calculates the calculated investment amount and the extracted investment amount withdrawal account information. And generate investment processing information for a predetermined period and amount including investment amount deposit account information and customer information (1770), and the investment amount and investment amount withdrawal account information and investment amount with a predetermined financial system in which the financial account is opened. By transmitting investment processing information by period and amount including deposit account information and customer information, a request is made to perform the investment procedure by period and amount for the card reward (1775).

In response to the request, the financial system withdraws the investment amount from a predetermined investment amount withdrawal account corresponding to the investment amount withdrawal account information, and withdraws the investment amount in the name of a customer corresponding to the customer information. The deposit is processed into the investment amount deposit account corresponding to the deposit account information (1780).

When the above-described card reward investment procedure is completed in the financial system (1785), the server receives the card reward investment information for a predetermined period and amount including the customer information, the investment amount and the financial product information into which the investment amount is invested. Generate (1790), store the card reward investment information formed by linking the customer information, the investment amount, and the investment product information into the investment information D / B (1795), and then the server; The reference to the card reward investment information stored in the investment information D / B provides the customer with the profits from the investment.

According to the method of the present invention, the card reward investment information stored in the investment information D / B is a customer wire communication means, such as e-mail (e-mail), and / or wireless messages (e.g. short message, multimedia message, etc.) It may be provided to the customer through a customer wireless communication means such as, and / or provided to the customer included in the next month's card specification.

18A and 18B illustrate a reinvestment process of a card reward according to another exemplary embodiment of the present invention.

More specifically, FIGS. 18A and 18B show the reinvestment of the card reward information generated by the card settlement system through the financial product investment system on the card reward reinvestment system shown in FIG. 12 and stored in predetermined reward information D / B. Reinvesting in at least one or more financial instruments in accordance with certain investment conditions (or policies) stored in information D / B, specifically after customer approval for reinvesting the card rewards in at least one or more financial instruments The present invention relates to a method for reinvesting the card reward information in at least one or more investment target financial products according to investment conditions (or policies) for each period and amount.

In particular, Figures 18a and 18b sum up the card reward value included in the card reward information (e.g., the card reward value earned (or obtained) after the previously reinvested card reward value), and the summed card reward By converting the value into cash and comparing the converted amount with the amount of information included in the investment condition (or policy) information, it is possible to confirm whether reinvestment by amount for the card reward information is established, and also included in the card reward information. By comparing the date and time information with at least one piece of period information included in the investment condition (or policy) information on the basis of current standard time information (eg, standard time information checked from a timer provided in the investment manager server 500). It includes whether or not to reinvest in the card reward information.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 18a and 18b so that the reinvestment process of the card rewards is carried out at least one other than the financial system shown in the drawings 18a and 18b. Various implementations in which the card reward information is reinvested into at least one or more investment target financial products according to a predetermined investment condition (or policy) stored in the reinvestment information D / B through another computer system (eg, a securities system, an insurance system, etc.). The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 18A and 18B.

Hereinafter, the investment manager server 500 shown in FIG. 12 in FIGS. 18A and 18B will be referred to as "server" for convenience.

Referring to FIGS. 18A and 18B, the server may designate a predetermined card reward among at least one or more card information stored in the reinvestment information D / B (or reward information D / B) for reinvestment of the card reward according to the present invention. The card information to be reinvested is selected (1800).

Thereafter, the server calculates a predetermined amount by adding and rewarding the card reward value of the card reward information included in the investment object from the reward information D / B through the selected card information and converting it into cash (1805). The amount calculated by summing the reward values and the investment conditions (or policies) for each of the periods and amounts stored in the reinvestment information D / B are compared to determine whether the investment conditions for each period and the amount of the card reward information are established (1810).

According to an exemplary embodiment of the present invention, the investment condition (or policy) information stored in the reinvestment information D / B may include a condition for investing the card reward in at least one financial product operated by at least one financial product manager ( Or a policy), and the investment condition (or policy) is characterized by including the investment condition (or policy) and / or the investment condition (or policy) for each amount of the card reward.

According to an exemplary embodiment of the present invention, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one financial reward for a card reward earned (or obtained) by the customer using the card for a predetermined period of time. It is desirable to include an investment condition (or policy) to reinvest in at least one or more financial instruments operated by a product manager.

For example, the investment condition (or policy) for each period of the investment condition (or policy) information may include at least one or more card rewards that the customer accumulates (or acquires) by using the card for one month at least one or more financial product managers. It may include an investment condition (or policy) to reinvest in financial instruments.

According to another exemplary embodiment of the present invention, the investment condition (or policy) for each amount of the investment condition (or policy) information is the card reward earned (or obtained) by the customer using the card reaches a predetermined amount. In addition, it is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) by the amount of the investment condition (or policy) information is the accumulation (or acquisition) when the card rewards earned (or obtained) using the card reaches 100,000 won in cash. It is preferable to include an investment condition (or a policy) for reinvesting the card reward corresponding to the cash amount of 100,000 won in at least one financial product managed by at least one financial product manager.

According to another exemplary embodiment of the present invention, the investment condition (or policy) by period and amount of the investment condition (or policy) information may include a card reward earned (or obtained) by the customer using the card for a certain period of time. When a certain amount is reached, it is preferable to include an investment condition (or policy) for reinvesting the accumulated (or obtained) card rewards in at least one financial product managed by at least one financial product manager.

For example, the investment condition (or policy) for each term and amount of the investment condition (or policy) information is the credit (received) when the credit card earned (or obtained) by the customer for 3 months using the card is 30,000 won or less in cash. Or reinvest the acquired card rewards in financial instrument A (or at least one director's financial instrument with a minimum investment of 30,000 won), and the customer earned (or obtained) using the card for three months. If the card reward is more than 30,000 won or less than 50,000 won, reinvest the accumulated (or obtained) card rewards into financial product B (or financial instruments of at least one director whose minimum investment is less than 50,000 won), and the customer If the card rewards earned (or obtained) by using the card for 3 months are 50,000 won or more and 100,000 won or less, the card rewards (or obtained) Reinvest in a financing product C (or at least one director's financial instrument with a minimum investment of 100,000 won) and the card rewards earned (or obtained) using the card for three months with at least 100,000 won in cash. In this case, it is preferable to include an investment condition (or policy) for re-investing the accumulated (or obtained) card rewards in financial instrument D (or at least one director's financial instrument with a minimum investment amount of 100,000 won or more). Do.

According to an embodiment of the present invention, the server sums the card reward value included in the card reward information (e.g., the card reward value accumulated (or obtained) after the previously reinvested card reward value), and the sum It is preferable to check whether the reinvestment of the card reward information is established by converting the card reward value into cash and comparing the converted amount with the amount information included in the investment condition (or policy) information.

According to another exemplary embodiment of the present invention, the server compares the amount of information included in the investment condition (or policy) information without converting the summed card reward value into cash, thereby establishing whether to reinvest the card reward information. It is possible to confirm, whereby the present invention is not limited.

If it is confirmed that the investment conditions by the amount of the investment conditions by the period and the amount is established (1815), the server and the investment conditions (or policy) by the period and amount stored in the reinvestment information D / B through the selected card information and the The date and time information of the card reward information stored in the reward information D / B is compared based on the current standard time to determine whether investment conditions for each period and amount of the card reward information are established (1820).

According to the method of the present invention, the server includes the period information included in the investment condition (or policy) information and the date and time information included in the card reward information in the current standard time information (for example, the investment manager server 500). It is preferable to confirm whether the reinvestment of the card reward information is established by comparing the time (standard time information confirmed from the timer).

If it is confirmed that the investment conditions by the period of the investment conditions of the period and the amount is established (1825), the server at least confirmed that the investment conditions by the period and amount is established from the reward information D / B through the selected card information Extract one or more card reward values and predetermined investment amount withdrawal account information corresponding to the card reward information (1830), add the extracted one or more card reward values, and convert the sum of the card reward values into cash. A predetermined investment amount is calculated (1835).

Thereafter, the server receives at least one investment target financial product information corresponding to the investment condition (or policy) for each period and amount from the reinvestment information D / B and the investment amount deposit account for each investment target financial product through the selected card information. Information is extracted (1840), and predetermined card customer information corresponding to the card information is extracted (1845) from the predetermined customer information D / B (not shown).

According to the implementation method of the present invention, the investment target financial product information stored in the reinvestment information D / B, at least one or more / savings products, securities investment products, fund investment products, bond investment products, insurance investment products, etc. Financial product investment information including at least one or more financial product name, investment period, yield (or interest rate), minimum investment amount, investment amount deposit account information, etc. for the financial product, and the predetermined financial that operates the financial product Characterized in that it comprises a product manager information.

According to an exemplary embodiment of the present invention, the financial product investment information of the investment target financial product information may be invested in at least one financial product managed by at least one financial product manager (eg, a bank, an investment company, a securities company, an insurance company, etc.). Preferably, the information is included, and the customer may select at least one financial product to invest the card reward based on the financial product investment information.

According to another exemplary embodiment of the present invention, it is possible to include investment information on a card reward-only financial product designed to invest the card reward, and the present invention is not limited thereto.

The financial product manager information of the investment target financial product information may include at least one bank, an investment company, a securities company, an insurance company, etc. that operates a predetermined financial product corresponding to the financial product investment information. May select at least one financial product to invest the card reward based on the financial product manager information with respect to the same (or similar) financial product investment information.

According to the exemplary embodiment of the present invention, the financial product investment information and the financial product manager information may be matched one-to-one and included in the investment target financial product information.

Thereafter, the server generates a wireless message for customer approval through the extracted card reward information and the investment target financial product information (1850).

Here, the wireless message for customer approval may include a predetermined wireless message (eg, a short message service (SMS)) including a content of investing an amount corresponding to the extracted card reward information in the extracted investment target financial product. And / or Multimedia Message Service (MMS), etc.).

In addition, the wireless message for customer approval includes a predetermined callback UEL for confirming when the customer wireless terminal has approved the amount of money corresponding to the extracted card reward information to invest in the extracted investment target financial products Preferably, the callback UEL includes the network address information for the customer wireless terminal to access the server through a predetermined wireless communication network.

When the customer approval wireless message is generated as described above, the server transmits the generated customer approval wireless message to the customer wireless terminal through a predetermined wireless communication network based on the customer wireless terminal information included in the extracted customer information. And transmits an amount of money corresponding to the extracted card reward information to the customer approval to invest in the extracted investment target financial product (1855).

According to an embodiment of the present invention, when the customer wireless terminal accesses the server through the callback UEL for the customer approval, the customer approval unit 550 corresponds to the extracted card reward information to the customer wireless terminal. It provides a predetermined user interface for securing confidentiality, authentication, integrity and non-repudiation of the amount invested in the extracted investment target financial products.

According to one embodiment of the invention, the user interface for customer approval preferably comprises a user interface for inputting a card password for the card issued to the customer through the card issuing system shown in Figure 1 .

According to another exemplary embodiment of the present invention, if the financial IC chip is provided in the customer wireless terminal, the user interface for the customer approval is based on the confidentiality of the card reward based on a certificate provided in the financial IC chip. It is desirable to include a predetermined user interface to ensure authentication, integrity, nonrepudiation, and the like.

If the customer approval is not confirmed to invest the amount corresponding to the extracted card reward information in the extracted investment target financial product (1860), the server generates a predetermined card reward reinvestment error message. In operation 1865, the process of transmitting the amount of money corresponding to the extracted card reward information to the extracted investment target financial product is terminated.

On the other hand, when the customer approval for investing the amount corresponding to the extracted card reward information in the extracted investment target financial product is confirmed (1860), the server calculates the calculated investment amount and the extracted investment amount withdrawal account information. And generate investment processing information for a predetermined period and amount including investment amount deposit account information and customer information (1870), and with the predetermined financial system in which the financial account is opened, the investment amount and investment amount withdrawal account information and investment amount By transmitting the investment processing information by period and amount including the deposit account information and the customer information, a request is made to perform the investment procedure by period and amount for the card reward (1875).

In response to the request, the financial system withdraws the investment amount from a predetermined investment amount withdrawal account corresponding to the investment amount withdrawal account information, and withdraws the investment amount in the name of a customer corresponding to the customer information. The deposit is processed into the investment amount deposit account corresponding to the deposit account information (1880).

When the above-described card reward investment procedure is completed in the financial system (1885), the server receives the card reward investment information for a predetermined period and amount including the customer information, the investment amount and the financial product information into which the investment amount is invested. Generate (1890), store the card reward investment information formed by linking the customer information, the investment amount, and the financial product information in which the investment amount is invested in a predetermined investment information D / B (1895), and then the server The reference to the card reward investment information stored in the investment information D / B provides the customer with the profits from the investment.

According to the method of the present invention, the card reward investment information stored in the investment information D / B is a customer wire communication means, such as e-mail (e-mail), and / or wireless messages (e.g. short message, multimedia message, etc.) It may be provided to the customer through a customer wireless communication means such as, and / or provided to the customer included in the next month's card specification.

According to the present invention, by reinvesting the card rewards in at least one or more financial products, the card customer has the advantage of exchanging the card rewards for cash, as well as generating a return on investment through the card rewards reinvestment.

According to the present invention, by reinvesting the card reward in at least one or more financial products, the card company (or reward provider) has the advantage of efficiently exhausting the debt corresponding to the card reward.

Claims (7)

Provide a customer reward investment target and / or investment condition selection (and / or input) page (or window) to the customer terminal, and provide customer reward investment target and / or investment condition selection (and / or input) information from the customer terminal. Interface providing means for receiving; Information storage means for storing the received customer reward investment object and / or investment condition information in association with the customer identification information and / or the card (or account) information of the customer and storing the information on a predetermined storage medium; In connection with the storage medium (or the storage medium operating means), periodically checking whether the customer reward meets the investment conditions selected and / or input by the customer, and a plurality of investment target information corresponding to each investment condition Information checking means for confirming; And And customer reward processing means for split-investing the customer rewards into the identified plurality of investment objects. The method of claim 1, And information providing means for notifying the customer of the reward investment details before or after the investment processing of the customer rewards to the identified plurality of investment objects. The method of claim 1, wherein the investment target, A customer reward processing system comprising at least one of deposits, deposits, funds, insurance, bancassurance, and the like. The method of claim 1, wherein the investment condition, And a reward amount setting condition for each investment object, a reward investment period setting condition for each investment object, and a reward amount setting condition for an investment period. A recording medium comprising a program for executing the constituent means function of claim 1 or 2. Receiving / input of the customer reward investment object and / or investment condition selection (and / or input) information in the predetermined information receiving and / or input means; Storing the customer reward investment object and / or investment condition information in a predetermined information storage means in association with the customer identification information and / or the card (or account) information of the customer and storing the information on the predetermined storage medium; Periodically confirming whether the customer reward meets the investment condition in connection with the storage medium (or the storage medium operating means) in a predetermined information checking means; And And if the customer reward satisfies the investment condition, investing the customer reward as the investment subject in a predetermined customer reward processing means. The customer reward investment object and / or investment condition information, the customer's identification information and / or the customer's card (or account) information is processed in association with the stored storage medium (or storage medium operating means) in association with the customer, periodically An information confirmation unit for confirming whether a reward meets the investment condition; And And an investment processor for investing and processing the customer reward as the investment target when the customer reward satisfies the investment condition.

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