WO2013015560A2

WO2013015560A2 - Point management system using a credit card linked with a point card issued by a franchise

Info

Publication number: WO2013015560A2
Application number: PCT/KR2012/005748
Authority: WO
Inventors: 김병옥
Original assignee: 하모니테크주식회사
Priority date: 2011-07-27
Filing date: 2012-07-19
Publication date: 2013-01-31
Also published as: WO2013015560A3; KR20130026560A

Abstract

The present invention relates to a point management system using a credit card linked with a point card issued by a franchise, which improves user convenience by updating points linked with the franchise point card even when a payment is made with the credit card, without the user having to present both the credit card and the point card.

Description

Point management system using credit card linked with merchant point card

The present invention relates to a point management technology, and more particularly, to a point management system using a credit card interworking with a merchant point card.

Korean Patent Publication No. 10-2002-0033698 (2002.05.07) proposes a contactless card that accumulates points accumulated by only accessing the RF card within the recognition distance of the merchant terminal.

These conventional merchant point cards are issued to a customer in a beauty salon, etc., and accumulate points associated with the merchant point card according to a customer's purchase of a product or use of a service.

At the time of payment, the user presents the credit card first and pays the card through the merchant terminal, and then presents the merchant point card to renew the points associated with the merchant point card through the merchant terminal. There was an inconvenience to be presented.

Accordingly, the present inventors have studied a technology that allows a user to renew a point linked to a merchant point card at the same time as a payment using only a credit card, without presenting a credit card and a merchant point card, respectively.

The present invention has been invented under the above-mentioned purpose, and the user does not present a credit card and merchant point card at the time of payment, and works with a merchant point card that can renew points linked to a merchant point card at the same time as payment using only a credit card. It is an object of the present invention to provide a point management system using a credit card.

According to an aspect of the present invention for achieving the above object, a point management system using a credit card interlocked with the merchant point card stores and manages the merchant point card information linked with the customer's credit card information, the merchant point Point management server that manages merchant point information linked with card information, and receives and stores merchant point card information linked with customer credit card information from the point management server, and stores the credit card information of the customer recognized at the time of credit card payment. And affiliated store terminals for searching for linked affiliate point card information and requesting an update of affiliated store point information linked to the retrieved affiliate store point card information.

According to the present invention, a user can renew a point linked to a merchant point card at the same time as a payment using only a credit card without presenting a credit card and a merchant point card, respectively, and have a useful effect of improving user convenience.

1 is a schematic diagram of a point management system using a credit card linked to an affiliated store reward card according to the present invention.

2 is a block diagram showing the configuration of a first embodiment of a point management system using a credit card linked to an affiliated store point card according to the present invention.

3 is a block diagram showing the configuration of a second embodiment of a point management system using a credit card interworking with a merchant point card according to the present invention.

4 is a flowchart illustrating an example of a point earning procedure of a point management system using a credit card linked to an affiliated store point card according to the present invention.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily understand and reproduce the present invention.

In the following description of the present invention, detailed descriptions of well-known functions or configurations will be omitted if it is determined that the detailed description of the embodiments of the present invention may unnecessarily obscure the gist of the present invention.

The terms used throughout the present specification are terms defined in consideration of functions in the embodiments of the present invention, and may be sufficiently modified according to the intention, custom, etc. of the user or operator, and the definitions of these terms are defined throughout the present specification. It should be made based on the contents.

1 is a schematic diagram of a point management system using a credit card linked to an affiliated store reward card according to the present invention. As shown in FIG. 1, a point management system using a credit card linked to an affiliated store point card according to the present invention includes a point management server 100 and an affiliated store terminal 200.

The point management server 100 stores and manages merchant point card information linked with the customer's credit card information, and manages merchant point information linked with the merchant point card information.

The merchant terminal 200 receives and stores merchant point card information linked to the customer's credit card information from the point management server 100, and stores merchant card information linked to the credit card information of the customer recognized at the time of credit card payment. Search for, and requests an update to the affiliated store point information linked to the retrieved affiliated store point card information.

When a customer purchases a product or service at a merchant and presents a credit card and requests a payment, the credit card information of the customer is recognized by the merchant terminal 200 in a contact or non-contact manner, and is transferred to the bansa server 300 together with the payment information. Is sent and payment approval is requested.

The bansa server 300 transmits the payment approval request information to the credit card company server 400, and the credit card company server 400 that receives the payment processing whether the payment approval result through the bansa server 300 to the merchant terminal The payment is processed by 200.

In this case, unlike the prior art, the present invention does not accumulate points by the customer presenting more merchant point cards, and searches merchant point card information linked to the credit card information of the customer recognized by the merchant terminal 200 when the credit card is settled. Then, request the bansa server 300 to update the affiliated store point information linked to the retrieved affiliated store point card information.

To this end, the point management server 100 should store and manage the merchant point card information associated with the customer's credit card information, the merchant terminal 200 is linked with the customer's credit card information from the point management server 100 in advance. The merchant point card information must be received and stored.

Bansa server 300 according to the renewal request for the merchant point information linked to the merchant point card information from the merchant terminal 200, the point management server 100 for the merchant point information linked to the merchant point card information Request a renewal.

At this time, the renewal request for the affiliated store point information linked to the affiliated store point card information may be a request to accumulate an amount changed according to a specific amount or a settlement amount.

The point management server 100 receiving the update request for the affiliated store point information linked to the affiliated store point card information from the bansa server 300 manages the points by updating the affiliated store point information associated with the affiliated store point card information.

Therefore, by implementing in this way, the present invention can renew the points linked to the merchant loyalty card at the same time as the payment using only the credit card without presenting the credit card and the merchant loyalty card respectively at the time of payment, thereby improving user convenience. It becomes possible.

Figure 2 is a block diagram showing the configuration of a first embodiment of a point management system using a credit card interlocked with the merchant point card according to the present invention, Figure 3 is a point using a credit card linked to the merchant point card according to the present invention It is a block diagram showing the configuration of the second embodiment of the management system.

The difference between the first embodiment and the second embodiment is whether the information input unit configuration for receiving the customer's credit card information and merchant point card information is implemented on the point management server 100 side or the merchant terminal 200 side. There is only. The information input unit will be described later.

As shown in Figures 2 and 3, the point management server 100 of the point management system using a credit card interlocked with the merchant point card according to the present invention is a card interlocking unit 110, information transmission unit 120 It may include.

The card interlocking unit 110 links the credit card information of the customer with the merchant point card information and stores the merchant point card information linked with the credit card information of the customer.

In order to renew the points linked to the merchant point card at the same time as payment using only the credit card without using the merchant point card, the customer's credit card information and the merchant point card information must be linked.

The card interworking unit 110 links the credit card information of the customer input from the user through the point management server 100 or the merchant terminal 200 with the merchant point card information, and the merchant point linked with the customer's credit card information. Save card information to DB.

The information transmitter 120 transmits the merchant point card information linked with the credit card information of the customer stored by the card interworking unit 110 to the affiliated store terminal 200. At this time, the information transmission unit 120 may be implemented to periodically transmit the merchant point card information linked to the customer's credit card information to the merchant terminal 200, merchant point card information linked to the customer's credit card information. Only when is changed can be implemented to transmit the merchant point card information linked to the customer's credit card information to the merchant terminal 200 in real time.

On the other hand, according to an additional aspect of the invention, the point management server 100 may further include a point management unit 130. The point manager 130 receives a request for updating the merchant point information linked to the merchant point card information of the corresponding customer from the bansa server 300, and stores the merchant point information linked to the merchant point card information of the corresponding customer. Update the.

At this time, the renewal of the merchant point information linked to the merchant point card information may be to accumulate an amount that varies depending on a specific amount or payment amount. Accordingly, the user can renew the points linked to the merchant point card at the same time as the payment using only the credit card without presenting the credit card and the merchant point card, respectively.

As shown in Figures 2 and 3, the merchant terminal 200 of the point management system using a credit card interlocked with the merchant point card according to the present invention includes an information receiver 210, an information update unit 220, The information retrieval unit 230 and the point update request unit 240 may be included.

The information receiving unit 210 receives merchant point card information linked to the customer's credit card information from the point management server 100. As described above, the point management server 100 transmits the merchant point card information linked with the customer's credit card information to the affiliated store terminal 200 periodically or in real time.

The affiliated store terminal 200 receives the affiliated store point card information linked to the credit card information of the customer transmitted from the point management server 100 through the information receiving unit 210.

The information updater 220 updates the merchant point card information linked with the credit card information of the customer received by the information receiver 210 to reflect the merchant point card information linked with the credit card information of the previously stored customer. .

The merchant terminal card 200 stores the merchant point card information linked with the credit card information of the customer in advance, and the merchant point card linked with the credit card information of the customer from the point management server 100 by the information receiver 210. When the information is received, the affiliated store terminal 200 updates the affiliated store point card information linked with previously stored customer credit card information through the information update unit 220.

The information retrieval unit 230 stores merchant point card information linked to the customer's credit card information recognized at the time of credit card payment from merchant point card information linked to the customer's credit card information updated by the information update unit 220. Search.

The present invention does not accumulate points when a customer presents a merchant point card when the credit card is settled through the merchant terminal, and reminds merchant point card information linked to the credit card information of the customer recognized by the merchant terminal 200 when the credit card is settled. Search through the information search unit 230.

The point update request unit 240 requests the bansa server 300 to update the affiliate store point information linked to the affiliate store point card information of the corresponding customer retrieved by the information retrieval unit 230.

When affiliate store point card information linked to the customer's credit card information is retrieved by the information retrieval unit 230, the affiliated store terminal 200 stores the affiliate store point card information of the corresponding customer retrieved through the point update request unit 240. The bansa server 300 requests an update for the associated merchant point information.

Then, as described above, the bansa server 300 is linked to the merchant point card information to the point management server 100 in response to the renewal request for the merchant point information linked to the merchant point card information from the merchant terminal 200. The renewal request for the registered merchant point information.

Meanwhile, according to an additional aspect of the present invention, as shown in FIG. 2, the point management server 100 may further include an information input unit 140. The information input unit 140 provides a user interface (not shown) for inputting credit card information and merchant point card information of the customer, and receives the credit card information and merchant point card information of the customer through this.

That is, this embodiment implements the configuration of the information input unit receiving the customer's credit card information and merchant point card information on the point management server 100 side, by the information input unit 140, the customer's credit card information and merchant When the point card information is input, the card interworking unit 110 of the point management server 100 links the customer's credit card information with the merchant point card information, and stores the merchant point card information linked with the customer's credit card information in the DB. Save it.

Meanwhile, according to an additional aspect of the present invention, as illustrated in FIG. 3, the affiliated store terminal 200 may further include an information input unit 250. The information input unit 250 receives and inputs the customer's credit card information and merchant point card information by contact or contactless, or provides a user interface (not shown) for inputting the customer's credit card information and merchant point card information. And through this, the customer's credit card information and merchant point card information can be input.

That is, this embodiment implements the configuration of the information input unit for receiving the customer's credit card information and merchant point card information on the merchant terminal 200 side, by the information input unit 250 the customer's credit card information and merchant points When the card information is input and transmitted through the bansa server 300 or directly to the point management server 100, the card interlocking unit 110 of the point management server 100 interlocks the customer credit card information and merchant point card information And stores the merchant point card information linked with the customer's credit card information in the DB.

In FIG. 2 and FIG. 3, reference numeral 260 denotes a card recognition unit for recognizing credit card information, and reference numeral 270 denotes credit card information and payment approval request information recognized by the card recognition unit to the bansa server 300. It is a payment request unit.

* With reference to Figure 4 looks at the point earning operation of the point management system using a credit card linked to the merchant point card according to the present invention as described above. 4 is a flowchart illustrating an example of a point earning procedure of a point management system using a credit card linked to an affiliated store point card according to the present invention.

When the customer purchases goods or services from the affiliated store and presents a credit card to request payment, the merchant terminal 200 recognizes the customer's credit card information in step S410. At this time, the credit card information of the customer may be recognized by the merchant terminal 200 in a contact or contactless manner.

When the credit card information of the customer is recognized by the step S410, the merchant terminal 200 retrieves the merchant point card information linked to the credit card information of the customer recognized in step S420, the merchant point card retrieved at the same time as the payment approval request The renewal request for the affiliated store point information linked to the information is transmitted to the bansa server 300.

At this time, the merchant point card information linked to the recognized credit card information of the customer may be searched from the merchant point card information linked to the previously stored customer credit card information.

The Bansa server 300 that receives the payment approval request and the renewal request for the affiliated store point information linked to the retrieved affiliated store point card information makes a payment approval request to the credit card company server 400 in step S430, and at the same time, the point management server 100 ) Request for renewal of the affiliate point information linked to the affiliate point card information.

The credit card company server 400 receiving the payment approval request from the bansa server 300 performs the processing for the payment approval request in step S440, and from the bansa server 300 to the merchant point information linked to the merchant point card information. Receiving an update request for the point management server 100 in step S450 to update the affiliate point information associated with affiliate point card information to manage the point.

At this time, the update of the affiliated store point information linked to the affiliated store point card information in step S450 may be to accumulate an amount that varies depending on a specific amount or a settlement amount.

Therefore, by implementing in this way, the present invention can renew the points linked to the merchant loyalty card at the same time as the payment using only the credit card without presenting the credit card and the merchant loyalty card respectively at the time of payment, thereby improving user convenience. It can be achieved the object of the present invention presented above.

Meanwhile, the present invention is not only applicable to credit cards, but may also be applied to various prepaid cards and rechargeable cards such as debit cards and transportation cards.

While the invention has been described with reference to the preferred embodiments, which are referred to by the accompanying drawings, it is apparent that various modifications are possible without departing from the scope of the invention within the scope covered by the following claims from this description. .

Claims

A point management server that stores and manages merchant point card information linked with a customer's credit card information and manages merchant point information linked with the merchant point card information;

Receives and stores merchant point card information linked to the customer's credit card information from the point management server, retrieves merchant point card information linked to the customer's credit card information recognized at the time of credit card payment, and retrieves the merchant point card information. An affiliated store terminal requesting an update of the associated affiliated store point information;

Point management system using a credit card linked to the affiliated merchant card, characterized in that comprises.
The method of claim 1,

The point management server:

A card linking unit interworking the credit card information of the customer with the merchant point card information and storing the merchant point card information linked with the customer credit card information;

An information transmission unit for transmitting the affiliate store point card information linked to the credit card information of the customer stored by the card link unit to the affiliate store terminal;

Point management system using a credit card interlocked with the merchant point card comprising a.
The method of claim 2,

The information transmission unit:

Point management system using a credit card interlocked with the merchant point card, characterized in that periodically transmitting the merchant point card information linked with the customer's credit card information to the merchant terminal.
The method of claim 2.

The point management server:

An information input unit configured to provide a user interface for inputting customer credit card information and merchant point card information, and thereby receiving customer credit card information and merchant point card information;

Point management system using a credit card interlocked with the merchant point card further comprising.
The method according to any one of claims 1 to 3,

The merchant terminal:

An information receiving unit which receives affiliated store point card information linked to the credit card information of the customer from the point management server;

An information update unit for updating the merchant point card information linked with the customer's credit card information received by the information receiver to reflect the merchant point card information linked with the previously stored customer's credit card information;

An information retrieval unit for retrieving merchant point card information linked to the credit card information of the customer recognized at the time of credit card payment from merchant point card information linked to the credit card information of the customer updated by the information update unit;

A point update request unit for requesting an update of the affiliate store point information linked to the affiliate store point card information of the corresponding customer retrieved by the information retrieval unit to the bansa server;

Point management system using a credit card interlocked with the merchant point card comprising a.
The method of claim 5.

The point management server:

A point manager configured to receive a request for updating the merchant point information linked to merchant point card information of the customer from the bansa server and to update the merchant point information linked to the merchant point card information of the corresponding customer;

Point management system using a credit card interlocked with the merchant point card further comprising.
The method of claim 5.

The merchant terminal:

An information input unit configured to receive credit card information and merchant point card information of the customer;

Point management system using a credit card interlocked with the merchant point card further comprising.