KR20090000094A

KR20090000094A - System and method of account for united mileage

Info

Publication number: KR20090000094A
Application number: KR1020060137719A
Authority: KR
Inventors: 김인호
Original assignee: 주식회사 다음커뮤니케이션
Priority date: 2006-12-29
Filing date: 2006-12-29
Publication date: 2009-01-07

Abstract

The present invention provides an integrated mileage payment system and method, comprising receiving a payment amount and a mileage point payment request from a merchant terminal through a network, using priority of mileage points for each mileage provider provided from an integrated mileage database, and cash for mileage points for each mileage provider. Based on the conversion criteria, the mileage management server of the mileage provider is connected to receive the mileage balance data of the customer. Thereafter, based on the received balance data, the settlement amount is paid by deducting points according to the information of the integrated mileage database, and the deducted mileage points are transmitted to the mileage management server of the mileage provider.

According to the present invention, since the customer can automatically deduct payments in the order specified by the customer without information on different mileage points for each mileage provider, the mileage payment is very easy.

Description

Integrated mileage payment system and method. {System and method of account for united mileage}

1 is a block diagram of an integrated mileage payment system according to the present invention.

2 is a flowchart illustrating an embodiment of an integrated mileage payment method according to the present invention.

3 is an embodiment of a VAN network system according to the present invention.

4 is an embodiment of a POS network system according to the present invention.

110: integrated mileage DB 120: mileage payment receiver

130: mileage payment processing unit 140: external mileage system connection unit

The present invention is an integrated mileage payment system and method, in particular, a purchase result of a product, the integrated mileage card with a single mileage card membership when signing up for the integrated mileage service membership, the mileage points can be earned and used at all the mileage providers selected by the customer. It is an integrated mileage payment system and method that automatically deducts payments according to the order set by customers when making a payment.

In general, the mileage service is a point service system for minimizing customer churn, increasing customer purchase volume and continual repurchase, and is also used for customer management by utilizing a customer database.

Currently, several companies adopt a cumulative reward method that provides a certain percentage of mileage for customers who are members (or subscribers) according to the purchase amount of customers, and provides various rewards for customers who accumulate a certain level or more.

In other words, in order to use actual mileage, customers need to collect mileage over a certain point, which is not easy, and most of the customer's mileage does not exceed a certain point.

This type of mileage includes integrated miles (e.g., OK cashback, etc.) with no restrictions on where they can be accumulated and used, and independent miles (e.g., E-kolon cards) that can be earned and used only at their own stores or chain stores. Can be classified.

In addition to payment cards used as a payment method such as credit cards, department store cards, and prepaid cards, which are widely used in the existing commerce, credit cards that accumulate the mileage as described above are earned a certain amount of mileage when the buyer presents the card at the merchant. As accumulated ridges, when the accumulated amount reaches a certain amount or more, the customer can select a desired product or use it like cash.

On the other hand, in the case of the mileage provider, the conventional mileage service, especially in the case of the independent mileage service, builds and operates the mileage system independently, and therefore, separate marketing activities for the construction cost of the mileage system, the labor cost of operating personnel, and recruitment of members. And costs, and significant additional costs are incurred due to the issuance of each mileage card. In the case of the mileage provision method using the conventional earning card, the buyer separately purchases each merchant to earn mileage after payment of goods and services. There was also the inconvenience of carrying a lot of mileage credit cards issued.

These inconveniences have been increasing recently these days, with various types of credit cards and credit cards, and various types of membership cards are increasing day by day, and there is a hassle for consumers to check and manage their mileage accumulation and balances in different places. In addition, if there is not enough mileage point balance to be paid because it cannot be combined with other mileage points, it was inconvenient to try to pay separately by presenting another mileage point card.

The present invention to solve the above problems, by using the integrated mileage service to enable the mileage of each mileage provider owned by the customer to increase the convenience of payment of the mileage point of the customer and to enable efficient use of the mileage The purpose is to provide an integrated mileage payment system and method.

In order to achieve the above object, the integrated mileage payment system of the present invention stores the priority of using at least one mileage point of each mileage provider and mileage point of each mileage provider, and the cash conversion criteria of mileage points of each mileage provider. Integrated mileage database; A mileage payment receiver for receiving a mileage point payment request from an affiliated store terminal through a network; A mileage payment processing unit for subtracting and paying mileage points according to the information of the database when the received mileage point payment request is delivered; And an external mileage system connection unit for real-time transmission and reception of the mileage management server and mileage points of the mileage management points and the deduction history of each mileage provider.

Integrated mileage payment method of the present invention for achieving the above object comprises the steps of receiving a payment amount and mileage point payment request from the merchant terminal through the network; Receiving a mileage balance data of a customer by accessing a mileage management company's mileage management server according to the use priority of mileage points for each mileage provider and the cash conversion criteria of the mileage points for each mileage provider provided from the integrated mileage database; Paying points by deducting points according to the information of the integrated mileage database with respect to a payment amount based on the received balance data; And transmitting the deducted mileage point to a mileage management server of a mileage provider.

Hereinafter, with reference to the accompanying drawings with respect to the configuration and operation of the embodiment according to the present invention.

1 is a block diagram showing an embodiment of an integrated mileage payment system according to the present invention. The system is composed of an integrated mileage database 110, mileage payment receiving unit 120, mileage payment processing unit 130, external mileage system connection unit 140.

The integrated mileage database 110 is constructed by storing at least one mileage point of each mileage provider, the priority of use of mileage points by mileage provider, and cash conversion criteria of mileage points for each mileage provider.

The mileage payment receiving unit 120 serves to receive a mileage point payment request from the merchant terminal through the network.

When the mileage point payment request received from the mileage payment receiver receives the mileage payment processing unit 130, the mileage payment processing unit 130 pays the mileage points by subtracting the mileage points.

The external mileage system connection unit 140 functions to always transmit and receive the latest status of the mileage point by transmitting and receiving in real time with the mileage management server of each mileage provider for the status of mileage points accumulated and deduction.

The integrated mileage total system network includes at least one of a VAN network and a POS network, an embodiment of which is represented in FIGS. 3 and 4.

Looking at the embodiment through the VAN network according to Figure 3, the customer terminal, such as a PC, the merchant terminal and the mileage use request data including the integrated mileage card number, product payment information and merchant identification information when the customer purchases the product and payment; And a VAN server receiving the mileage use request data inputted from the affiliated store terminal to determine whether the request data is information on the use of mileage, and receiving mileage use request data from the VAN server to provide an integrated mileage service. It includes an integrated mileage service server serving as a hub and a mileage management server of a mileage provider.

In addition, the merchant terminal is composed of a POS terminal and a credit card terminal, the customer will confirm the mileage accumulation / payment results with a print slip.

The integrated mileage card is composed of a card that can be recognized by a POS terminal and / or a credit card terminal issued by an integrated mileage service company having a plurality of merchants, and including a magnetic card having a predetermined number of card numbers.

As another embodiment of the integrated mileage payment method of the present invention through a VAN network, an integrated mileage card is presented by a customer at the time of payment of a product purchase, and includes an integrated mileage card number, a payment amount and merchant identification information to a merchant terminal. Mileage use request data is input, and the mileage use request data input from the affiliated store terminal is transmitted to the integrated mileage service server through the VAN server. After the integrated mileage card number of the customer who requested the use of the integrated mileage service server is confirmed, the use request data is transmitted to the mileage management server of the mileage provider, and the transmitted use request data (integrated mileage card number) is informed from the customer DB. If you are verified as a member of your company against the customer's integrated mileage card number, you will check the current mileage balance. After that, payment is made at the integrated mileage service server, and the result is notified to the mileage management server's mileage management server.

In addition, through the POS terminal or credit card terminal constituting the merchant terminal, the customer may check the mileage accumulation result or use result with the print slip.

In addition, the integrated mileage service server may be configured to retrieve the current integrated mileage usage status from the integrated mileage database and provide the current to the customer terminal upon request of the customer.

In one embodiment of the integrated mileage payment method of the present invention via a POS network, in a mileage management method using mileage, an integrated mileage card is presented by a customer at the time of payment of a product purchase, the integrated mileage card number, When mileage use request data including payment amount and merchant identification information is input, the mileage use request data inputted from the merchant POS terminal is transmitted to the integrated mileage service server, respectively, and the integrated mileage service server is connected to the mileage management server of the mileage provider. The real time mileage balance status is checked in real time and the mileage point corresponding to the product payment amount transmitted from the merchant POS terminal is deducted from the current mileage balance and transmitted to the mileage management server of the mileage provider. Even when there are a plurality of mileage management servers of the mileage provider, each mileage management server transmits the mileage use result and balance information in real time when the integrated mileage service server is connected. Thereafter, the mileage use result and balance information of each mileage management server are stored in the integrated mileage database for integrated management, and when the mileage usage information inquiry is requested from the customer terminal, the inquiry information is searched for from the integrated mileage database and provided to the customer terminal. Can be. The mileage management server of the mileage provider may transmit the mileage use result back to the integrated mileage service server.

When a customer requests shopping and mileage payment in addition to cash or card payment during shopping at a card affiliate shop, the mileage payment receiving unit 120 of the integrated mileage service system receives a customer's payment amount and a mileage point payment request (S210). Thereafter, according to the priority of using the mileage points for each mileage provider and the cash conversion criteria of the mileage points for each mileage provider, the mileage management server of the mileage provider receives the mileage balance data of the customer ( S220). Based on the received mileage balance data, the mileage payment processing unit 130 makes a payment (S230) by subtracting the points according to the information in the integrated mileage database based on the information of the mileage balance data. Predetermined. If the priority mileage points are not enough to be paid, the remaining priority points and the subordinate mileage points among the mileage points of the mileage points are converted according to the mileage point cash conversion criteria of each mileage provider according to the usage priority, and the corresponding amount is settled. do. Thereafter, the external mileage system connection unit 140 transmits the deducted mileage point to the mileage management server of the mileage provider (S240).

According to the present invention, it is possible for the consumer to collect and use the mileage at each mileage provider's merchant with one integrated mileage card without having to carry a plurality of mileage cards for each mileage provider. By selecting the priority, it is possible to be deducted according to the order when deducting payments, and it is easy to manage and recognize the mileage by being able to manage the mileage accumulation details and balances in one place according to a predetermined summation and conversion method. In addition, the present invention can be conveniently used at the time of payment as a single integrated mileage of the mileage of multiple mileage providers even if the customer does not go through a special exchange procedure.

Therefore, the present invention is expected to increase the utilization and recognize the mileage as another good in the situation that the hundreds of billions of mileage is not used every year and disappears, and from the mileage provider's point of view, each mileage card issuance Not only can you reduce costs, you can save on separate marketing activities and costs for recruiting members, and you can easily earn points and get discounts, which can increase sales through brand loyalty and repurchases. have.

Claims

In an integrated mileage service system connected to each mileage provider's servers through a network system,

An integrated mileage database that stores at least one mileage point of each mileage provider and priority of use of mileage points by mileage provider, and cash conversion criteria of mileage points by each mileage provider;

A mileage payment receiving unit receiving a mileage point payment request from an affiliated store terminal through a network;

A mileage payment processing unit for subtracting and paying mileage points according to the information of the database when the received mileage point payment request is delivered; And

An integrated mileage payment system that features a mileage management server for each mileage provider and an external mileage system connection for real-time transmission and reception of mileage points.

The method of claim 1,

The network comprises at least any one or more of the VAN network and POS network.

Receiving a payment amount and a mileage point payment request from an affiliated store terminal through a network;

Receiving customer mileage balance data by accessing the mileage management server of the mileage provider according to the priority of use of the mileage point for each mileage provider and the cash conversion criteria of the mileage point for each mileage provider;

Paying points by deducting points according to the information of the integrated mileage database with respect to a payment amount based on the received balance data; And

And transmitting the deducted mileage point to a mileage management server of a mileage provider.

The method of claim 3,

Wherein each mileage point is converted according to the cash conversion criteria of mileage points for each mileage provider by adding the senior remaining mileage points and the subordinated mileages according to a predetermined use priority.