KR100375554B1 - Pre-rewards system and method using credit card - Google Patents

Abstract

The present invention relates to a presentation system and method using a credit card, access to the point management server issuing a credit card to the member approved as a member, to present a fixed customer secured and motivated to earn points, member Since it consumes necessities at the merchants using the existing credit card network, it provides a presentation system and method using a credit card that naturally accumulates integrated points and repays the negative points generated according to the award.

Description

Pre-rewards system and method using credit card}

The present invention relates to a presentation system and method using a credit card, access to the point management server issuing a credit card to the member approved as a member, to present a fixed customer secured and motivated to earn points, member Since it consumes necessities at the merchants using the existing credit card network, it provides a presentation system and method using a credit card that naturally accumulates integrated points and repays the negative points generated according to the award.

Sellers of goods and services use a mileage system that earns a certain percentage of money as a marketing tool to secure fixed customers. It starts from the airline mileage system and is currently applied in various forms, such as a point system and a coupon system, both online and offline.

On the other hand, the point system is operated independently by the individual seller, and after the reward points of the customer who purchased the product is a certain amount or more (after-rewards). However, this method is limited to products that can be earned by earning points, the actual reward is too small because the actual reward is too low, there is a disadvantage that the motivation for the customer's points earned weak.

On the other hand, in the payment method of commodity purchase price, payment by credit card is widely used in an offline store or an e-commerce site. However, there has been no case of using a credit card payment method and a point payment method. That is, in the related art, payment for a product was credited and points for the product were accumulated using a separate point earning card. Therefore, the credit card has only the function of payment, the point earning card performs only the function of earning points, there was an inconvenience to have a large number of cards.

As an invention to solve some of these problems, there was a "network-based electronic payment method" (Korea Patent Publication No. 2000-63149) to pay the product price based on the earned points. However, this "network-based electronic payment method" still did not keep in mind the aspect of integrated management of points.

In addition, the conventional "commerce system and method by the integrated management of grading scores" (Korean Patent Publication No. 2000-49595) is a system for integrated management of points, but the above-mentioned problem is completely eliminated in that the reward form is a candidate award after purchase of goods. Failed to solve.

In addition, the conventional "mileage point integrated system" (Korean Patent Laid-Open Publication No. 2000-6725) includes the content that can be discounted when the credit card payment by earning mileage points, but between credit card and mileage point calculation program The relationship was not revealed in detail.

In addition, the OKcashbag or similar services of SK Corp., Korea manages integrated points, but it is cumbersome to use a separate points earning card for each merchant, and there was a problem that a separate credit card must be used for payment. In addition, OKcashbag or similar services had a problem in that points cannot be utilized unless a certain point, for example, 5,000 points or more within a certain period of time, for example, one year.

In addition, the conventional point system, even though it has an integrated aspect of holding multiple merchants, is often not the place where the merchants handle the necessities of daily necessities, so that customers do not continue to consume them. As a result, points earned from one or two consumptions were often lost without actually being rewarded.

The present invention to solve the above problems, by strengthening the motivation for the customer's points earned through the introduction awards merchants to provide a presentation system and method using a credit card that can secure sales by securing a fixed customer It aims to do it.

In addition, the present invention selects one of the merchants of consumer goods such as oil refiners, department stores, discount stores, credit card companies, and the customer purchases the consumer goods at the merchant, so that the naturally presented points system using a credit card that can earn points And to provide a method.

In addition, since the present invention is based on the existing credit card network, the present invention system and method using a credit card that can manage a large number of merchants by using a credit card and a credit card network without having to build a separate network It aims to provide.

In addition, the present invention uses a credit card and points earning card integrated, so you do not have to carry a large number of cards at the time of payment and earn points, using only a credit card to introduce the use of a credit card that can simplify the use of the card It is an object to provide a system and method.

In addition, the present invention presupposes the use of a credit card, so that points earned by using the credit card, and points earned by the points earned according to the purchase of the consumables at the merchant, the line using a credit card that is more than twice the normal point accumulation It is an object to provide a compensation system and method.

In addition, the present invention is to reduce the negative points as soon as the points are earned to provide an introduction system and method using a credit card that has the effect of using the points immediately according to the points earned without additional conditions or a certain point or more. The purpose.

1 is a conceptual diagram of a system according to the present invention;

Figure 2 is a member DB configuration according to the present invention.

Figure 3 is a diagram showing the present product DB according to the present invention.

Figure 4 is a member DB configuration diagram according to the present invention.

Figure 5 is a member point DB configuration according to the present invention.

Figure 6 is a product purchase history DB configuration according to the present invention.

Figure 7 is a billing DB configuration according to the present invention.

8 is a flow chart of an award contract in a method according to the present invention.

9 is a flow chart of the product purchase and point accumulation step of the method according to the invention.

10 is a flow chart for re-launch phase of the method according to the invention.

* Explanation of symbols for the main parts of the drawings

10: credit card reader 20: customer terminal

30: point management server

310: member DB 320: member authentication module

330: Exhibits DB 340: Merchant DB

350: member points DB 360: product point calculation module

370: Point settlement module 390: Web server

40: partner credit card company server

410: Purchase History DB 420: Billing DB

430: product purchase history transmission module 440: billing module

In order to achieve the above object, at least one affiliated merchant credit card reader and an affiliate credit card company server are connected to a telephone network, and a customer terminal, a point management server, and an affiliate credit card company server are connected to an internet network using a credit card. A reward system, the point management server comprising: a member DB holding member information; A member authentication module for checking and authenticating when a member accesses the Internet network; A presentation product DB having information on a presentation product to be provided in advance by a contract with the member; An affiliated store DB holding information on the affiliated affiliated store; Stores negative points to be cleared within the set-off date due to the member's selection of the prize, the accumulated points of the merchandise points and merchandise points according to the merchandise purchased from the affiliated merchant, and the balance points that are the sum of the negative points and the accumulated points. A member point DB; A merchandise point calculation module for calculating merchandise points according to merchandise purchased by the affiliated merchant based on the merchandise purchase history received from the affiliated card company server and a predetermined point allocation rate; A point settlement module for accumulating product points in association with the member point DB, adding the negative points, and updating the balance points; A web server that controls a member authentication module and a point settlement module, manages a presentation product DB and a member point DB, and transmits and receives data according to the request of an external element. The affiliated credit card company server includes a member information and a member. A member DB holding credit information of the member; A member authentication module for authenticating a member recognized by the credit card reader; A payment approval module for approving a credit card payment according to a credit card payment request of a product purchased at an affiliated store; A merchandise purchase history DB for storing merchandise purchase history for merchandise purchased at an affiliated store using a credit card; It provides an introduction system using a credit card, including; product purchase history transmission module for transmitting the product purchase history to the point management server.

In addition, in the present invention system using the above credit card, the point management server further has a bill transfer module for converting the balance point to the bill amount after the contract period elapses to the partner credit card company server, The card company server includes a billing DB for storing a bill sent from the point management server; It provides a presentation system using a credit card further comprising; a billing module for requesting the member to pay the bill received from the bill transfer module.

In addition, the present invention in the presentation system using the above credit card, the point management server further has a presentation product return request module for notifying that the return product when the balance point is a negative value after the contract period elapses; Provides a presentation system using a credit card.

In addition, in the present invention system using the above credit card, the point management server asks whether the contract period is extended when the balance point is a negative value after the contract period elapses, and adds a certain amount of balance points when the contract period is extended. Provides a presentation system using a credit card with an additional request module for extension of contract period.

In addition, in the present invention using the above credit card presentation method, the customer requests membership registration and confirms the customer's credit on the partner credit card company server, the membership registration step of sending a credit card, and sending a credit card Wow; A presentation material selection step of storing the negative point and the offset date generated by the member selecting the presentation product in the member point DB; A product purchase step of purchasing a product at a merchant and recognizing a credit card in a credit card reader; A payment approval step of requesting and authorizing member authentication and credit card payment; A purchase history transmission step of transmitting a product purchase history from the affiliated credit card company server to a point management server; A product point calculation step of calculating a product point assigned to the product; A balance point settlement step of calculating a cumulative point that accumulates product points, calculating a balance point that is a sum of negative points and cumulative points, and storing the balance point in a member point DB; It provides a presentation method using a credit card comprising a; offset date determination step of determining whether the offset date is exceeded.

In addition, in the present invention using the credit card method, when the offset date is exceeded, the amount corresponding to the balance point is converted into a bill and sent to the partner credit card company server, and requesting the member to pay the bill It provides a method of presentation using a credit card further comprising a billing request step.

In addition, the present invention further includes a show-offer request step of notifying that the show-offer should be returned when the balance point is a negative value in the show-off method using the credit card. It provides a presentation method using a credit card.

In addition, in the present invention using the credit card, the present invention, when the balance point is negative, when the balance point is a negative value, the contract period to add a certain amount of balance points when asking whether to extend the contract period and extend the contract period It provides a presentation method using a credit card further including an extension step.

In addition, the present invention in the presentation method using the credit card, when the contract is completed, asking whether or not to re-open the signing, when the signing re-signing, if the balance point is 0, the signing the signing re-signing as it is, the balance point If is a positive value, it provides a presentation method using a credit card, which further includes an introduction re-contracting step in which a balance point is added to a new negative point to conclude an introduction re-contract.

In another aspect, the present invention provides a method of presenting using a credit card, characterized in that the merchant is one or more of a refinery company, a department store, a discount store, a credit card company that is a consumer goods retailer. .

1. Presentation system using credit card

Hereinafter, with reference to the drawings will be described in detail an embodiment of the presenting system according to the present invention.

1 is a conceptual diagram of a system according to the present invention, FIG. 2 is a schematic diagram of a member DB according to the present invention, FIG. 3 is a schematic diagram of a present product DB according to the present invention, and FIG. 4 is a schematic diagram of an affiliated store DB according to the present invention. 5 is a member point DB configuration diagram according to the present invention, FIG. 6 is a product purchase history DB configuration diagram according to the present invention, and FIG. 7 is a billing DB configuration diagram according to the present invention.

Referring to Figure 1, affiliated merchant credit card reader 10 is connected to the partner credit card company server 40 over the telephone network, the customer terminal 20 and the brokerage point management server 30 and partner credit card company server ( 40 is connected to the Internet.

The credit card reader 10 of the affiliated merchant is connected to the affiliated credit card company server 40 through the telephone network to recognize the credit card, and when it is authenticated that the member is a member of the affiliated credit card company, the product price is paid by the credit card for the product purchased from the affiliated merchant. To do it.

Since the customer terminal 20 is connected to the point management server 30 by the Internet network, when the customer connects to the point management server 30, the member terminal 20 performs a registration procedure for generating a prize selection option and provides data based on various DBs. Send and receive That is, through the customer terminal 20, the member can change the member information and search for the prizes and affiliated stores or check the accumulated member points.

The point management server 30 is a member DB 310, member authentication module 320, exhibits DB 330, merchant DB 340, member point DB 350, product point calculation module 360, points Settlement module 370, bill transfer module 380 and the web server 390.

When the customer connects to the point management server 30 through the customer terminal 20 and requests membership, the point management server 30 requests the affiliate credit card company server 40 to check the credit of the customer, and the affiliate credit. The card company server 40 approves the member registration according to whether the credit is confirmed. Member DB 310 holds the information of the members so subscribed. A member receives a credit card from a partner credit card company at the same time as or after joining the member. Issuance of a credit card may be directly performed by the point management server operator by authentication of a partner credit card company. Here, the credit card performs a function of paying for the merchandise consumed by the affiliated merchant and accumulating the integrated points.

Referring to FIG. 2, the member DB 310 includes a member number field 311, a member name field 312, a social security number field 313, a credit card number field 314, a phone number field 315, a cell phone number field. 316, an address field 317, and an email address field 318. The field is not fixed and may be changed according to an embodiment.

Referring back to FIG. 1, the member authentication module 320 authenticates the membership when the member accesses the point management server 30 again and receives various information provided by the point management server 30.

The present product DB 330 holds information on the present product to be provided when the member enters into a contract to select the present product by the present item selection right generated by the membership.

Referring to FIG. 3, the present product DB 330 includes a kind field 331, a brand field 332, a market price field 333, a negative point field 334, and an offset period field 335.

When a member enters into a contract to select a presentation product, a point corresponding to the presentation product is given a minus point and an offset date, and the member spends at the affiliated merchant to offset the minus point.

Referring back to FIG. 1, the affiliated store DB 340 holds information on the affiliated store so that the member can purchase a product at the affiliated store using a credit card to offset the negative point. Affiliated merchants usually handle daily necessities and include oil companies, department stores and discount stores, including affiliated credit card companies.

Referring to FIG. 4, the affiliate store DB 340 includes an affiliate store number field 341, an affiliate store name field 342, a main handling item field 343, a location field 344, and a phone number field 345.

Referring back to FIG. 1, the member point DB 350 generates negative points to be cleared within the offsetting date generated by selecting the featured product, cumulative points of merchandise points and merchandise points according to the merchandise purchased from the affiliated merchant, Stores the balance point, which is the sum of negative and accumulated points. The balance point is an indicator of how much negative points have been offset by the accumulated product points.The reason why the balance point is calculated as the sum of negative and accumulated points is that negative points are displayed as negative values and accumulated points are displayed as positive values. Because. The member point DB 350 updates the accumulated point and the balance point by interworking with the point settlement module 370 which will be described later.

Referring to FIG. 5, the member point DB 350 includes a serial number field 351, a date field 352, a product name field 353, a product price field 354, a point allocation rate field 355, and a product point field. 356, cumulative point field 357, accounting date field 358, negative point field 359, and balance point field 359 '.

Referring back to Figure 1, the product point calculation module 360, when a member purchases a product at an affiliated store using a credit card and the product purchase history is transmitted from the affiliate card company server 40, from the affiliate card company server 40 The merchandise points are calculated based on the transferred merchandise purchase history and the predetermined point allocation rate for each merchandise, and the merchandise points are stored in the member point DB.

The point settlement module 370 accumulates the product points calculated by the product point calculation module 360, calculates the balance point obtained by summing the negative points and the accumulated points in association with the member point DB 350 and periodically the member point DB. The cumulative point and the balance point of 350 are updated. In addition, by checking the balance point of the offset date and the negative point, the web server 390 to be described later to proceed with the notification procedure.

The bill transfer module 380 converts the balance point into the bill amount and transmits the balance point to the partner credit card company server 40 when the balance point remains after the offsetting date elapses.

The web server 390 manages the member DB 310, the present product DB 330, and the member point DB 350, and controls member authentication through interworking with the member authentication module 320. In addition, the point settlement module 370 controls the point settlement and aggregation work for the member. And it controls the product point calculation module 360 and the bill transfer module 380.

When a member purchases a product using a credit card issued from an affiliate credit card company, the affiliate credit card company server 40 stores information on consumption. In addition, if the balance point is transferred to the bill after the offsetting date elapses, it is billed to the member.

The affiliate credit card company server 40 includes a member DB 402, a member authentication module 404, a payment approval module 406, a product purchase history DB 410, a bill DB 420, and a billing module 430. .

The partner credit card company server 40 receives a request from the point management server 30 to confirm the credit status of the customer and issues a credit card when it is confirmed that the credit status is good. The member DB 402 holds the information of the members so subscribed.

The member authentication module 404 authenticates the member when the member recognizes the credit card through the credit card reader 10 at the affiliated merchant. Once the membership is verified, the member can pay for the purchase of the product using a credit card and can accumulate integrated points with the same credit card. The payment approval module 406 approves the credit card payment according to the credit card payment request of the product purchased from the affiliated merchant.

The product purchase history DB 410 stores a product purchase history for the product purchased by the member using a credit card.

Referring to FIG. 6, the product purchase history DB 410 includes a serial number field 411, a date field 412, a product name field 413, a product price field 414, and an affiliate store name field 415.

If the balance amount calculated by the point settlement module 370 is a negative value after the offsetting period has elapsed, the bill amount DB 420 is converted into a bill amount and the bill amount received from the bill transfer module 380 is transmitted to the partner credit card company server 40. Save it.

Referring to FIG. 7, the charge DB 420 includes a member name field 421, a balance point field 422, a balance point conversion rate field 423, a charge field 424, a credit card payment date field 425, and a payment field (426).

The billing module 430 requests the member to pay the bill after the offsetting period based on the bill DB 420.

As mentioned above, although an introduction system using a credit card according to the present invention has been described with reference to one embodiment, the present invention is not limited thereto.

In the above embodiment, if the offset date is exceeded and the balance point is a negative value, the bill transfer module 380, the bill DB 420, the billing module 440 worked together to convert the balance point into the bill, A rewards return request module (not shown) may be provided to notify the point management server 30 that the rewards should be returned.

Alternatively, if the offset period is exceeded and the balance point is a negative value, the contract period extension request module (not shown) may be provided to ask whether the contract period is extended or to add a certain amount of balance points if the contract period is extended.

2. How to present by credit card

Hereinafter, an embodiment of the presenting method according to the present invention will be described in detail with reference to the drawings.

8 is a flowchart of the award phase of the award method according to the present invention, FIG. 9 is a flowchart of a product purchase and point accumulation step of the award method according to the present invention, and FIG. 10 is a line of the award method according to the present invention. Shows the compensation contract phase.

Referring to FIG. 8, the customer accesses the point management server 30 through the customer terminal 20 (S10). The web page asks for membership (S20), if not a member, asks for membership (S22). If the customer does not want to join the membership is terminated, if you want to join the point management server 30 requests the credit card company server 40 checks the credit status of the customer (S24). If it is confirmed that the credit status is bad, it is terminated. If the credit status is confirmed that the good membership is approved, the credit card is issued (S30) and the process of asking again whether the membership is in progress. The credit card may be issued by the affiliated credit card company by requesting the affiliated credit card company from the point management server operator, or directly by the point managed server operator. Here, the credit card performs a payment function of the product consumed by the affiliated merchant and the function of accumulating the integrated points, the member does not need to have a plurality of cards.

In the case of a member, the point management server 30 asks whether or not a contract for presentation (S40), and ends if you do not want a contract for presentation. On the other hand, if you want to make an award contract, you can choose a showcase of 100,000 won, such as a small radio and MP3 player (see Fig. 3), and the negative point and offset date are determined (S50). Negative points shall be within a certain range in consideration of the member's information, such as income, dependents and occupation. The offset date can be selected from 3 months, 6 months, 10 months and 1 year. After the final confirmation process (S60) the launch contract is terminated.

Referring to FIG. 9, a member who concludes an introduction contract offsets negative points by purchasing a product at an affiliated store using a credit card and earning points. The affiliated merchant does not select arbitrarily, but selects a seller of goods, such as an oil refinery, a department store, and a discount store (see FIG. 4), which members must consume while living, including a credit card company which is a payment method. Here, credit card companies are also included in affiliated merchants, so points earned by using a credit card and points earned by purchasing consumables at other merchants are made at the same time. This is because payments made by other merchants are included in the credit card usage. Therefore, the actual points earned are more than twice the normal points earned. In this way, since the actual earned points are more than the usual points earned offsetting of the negative points for the presentation can be made more easily and the presentation can be a substantial reward.

When a member purchases a product (S100) and presents a credit card, the credit card reader 10 recognizes this and requests a member authentication from the affiliate credit card company server 40 (S200). The affiliated credit card company server 40 checks the membership (S210), if not a member, terminates, and if the member approves the member authentication (S220). If member authentication is approved, the member can purchase a product using a credit card, and the purchase details of the product are stored in the affiliate credit card company server 40 (S300). The affiliate credit card company server 40 transmits the product purchase history to the point management server 30 (S310), and the point management server 30 stores the received product purchase history (S320, see FIG. 6).

The point management server 30 calculates a product point in the product point calculation module 360 based on the stored product purchase history and a predetermined point allocation rate (S400), and accumulates points of the product points, minus points and accumulated points. The remaining balance point is calculated and stored in the member point DB 350 of FIG. 7 (S410).

Thereafter, the point management server 30 asks whether the balance point is 0 or more (S420), and if the balance point is 0 or a positive value, the completion of the contract is notified regardless of the contract period (S600), and the balance point is a negative offset date. Ask whether the excess (S500).

If the balance point is negative and the offset date is not exceeded, return to the commodity purchase procedure. If product purchase continues and product points accumulate, the accumulated points and the balance points are settled and updated by the point settlement module 370.

On the other hand, if the balance date is exceeded when the balance point is a negative value, the balance point is converted into the bill amount and transmitted to the partner credit card company server 40 (S700).

The affiliate credit card company server 40 stores the received charge in the charge amount DB 420, makes a payment request to the member based on the charge amount DB 420 (S710), and then pays by wire transfer (S720). do. At this time, the remaining balance point is treated as 0 because the contract is completed.

When the completion notice of the contract is completed or the transfer is completed, the transfer proceeds to the re-signing stage.

Referring to FIG. 10, when the completion notice of the contract is completed or the transfer of funds is completed, the point management server 30 asks the member whether to renew the contract (S800). If you do not want to re-exhibit the presentation ends, and if you want to re-exhibit the presentation, select the presentation again and determine the offset date (S810), and asks whether the balance point is a positive value (S820). Once the contract is completed, the balance point is zero or positive. If the balance point is 0, the contract is concluded as it is (S840), and if the balance point is a positive value, that is, if the contract is completed while the accumulated point is greater than the minus point, the balance point is introduced to a new minus point generated by the renewal. The sum is concluded (S830) and the contract is concluded (S840), and the final confirmation procedure (S850) ends.

As described above, the method of introducing post-integration point payment using a credit card according to the present invention has been described with reference to one embodiment, but the present invention is not limited thereto.

In the above embodiment, when the offset date is exceeded and the balance point is a negative value, it is converted into a bill and paid by credit card, but the given prize may be returned.

Alternatively, you can ask whether you want to extend the contract period and add balance points if you extend the contract period.

3. Virtual Use Example

Affiliates are A credit card company, B oil company, C department store, D discount store, and the member is a monthly equivalent of the monthly average product purchase amount of (A), if he is the 30th (A) representative of the family of four with an annual salary of 30 million KRW. If you calculate virtually the accumulated amount of annual product points, the monthly product point credit amount corresponding to the average monthly point accumulation amount according to the purchase amount, and the monthly product point accumulation amount in cash, Table 1 below. At this time, the rate of merchandise point allocation is realistically available to each merchant. A credit card company uses 1% of the amount used, B oil refinery 2%, C department store 1%, and D discount point is 0.5%. In addition, it was set to 1 won per one product point.

Monthly amount Product Point Allocation Rate Monthly product point reserve Total accumulated points A credit card company KRW 800,000 One% 8,000 96,000 won B oil refiner KRW 150,000 2% 3,000 36,000 won C department store KRW 150,000 One% 1,500 18,000 won D discount store KRW 300,000 0.5% 1,500 18,000 won Total accumulated points 168,000 won

As a result of calculating the accumulated annual accumulated points, the accumulated annual accumulated point amount of (A) was 168,000 won. Therefore, (A) A proxy can receive a free prize, such as a CD player, for around 168,000 won every year, simply by paying with a credit card at a merchant when purchasing necessities.

According to the present invention by strengthening the motivation for the customer's points earned through the introduction awards merchants can increase sales by securing a fixed customer.

In addition, according to the present invention, the affiliated store selects one of the consumer goods stores such as oil refiners, department stores, discount stores, credit card companies, etc., the customer can purchase the consumer goods from the merchant can naturally earn points.

In addition, according to the present invention, since it is based on an existing credit card network, it is possible to integrate and manage a plurality of merchants using a credit card and a credit card network without having to establish a separate network.

In addition, according to the present invention, it is possible to simplify the use of the card because it uses only a credit card without having to carry a large number of cards at the time of payment and points because the credit card and points earning card is used integrating.

In addition, according to the present invention, since the premise of using a credit card, the points actually earned by earning points according to the use of the credit card and earning points according to the purchase of the consumables at the merchant are more than twice the points earned.

In addition, according to the present invention, since the points are reduced immediately after earning points, there is an effect of using the points immediately according to the points accumulated without additional conditions or a certain point or more.

Claims (10)

In one or more affiliated merchant credit card reader and affiliated credit card company server is connected to the telephone network, the customer terminal, point management server and affiliated credit card company server connected to the Internet network using the credit card system, The point management server, A member DB holding member information; A member authentication module for confirming and authenticating when the member accesses the Internet network; A presentation product DB having information on a presentation product to be provided in advance by a contract with the member; An affiliated store DB having information on the affiliated affiliated store; A negative point that is generated by the member selecting the featured product to be settled within the offsetting date, a product point according to a product purchased at the affiliated merchant and the accumulated point of the product point, and the negative point and the accumulated point A member point DB for storing the sum of balance points; A product point calculation module for calculating a product point according to a product purchased from the affiliated affiliate store based on a product purchase history received from the affiliated card company server and a predetermined point allocation rate; A point settlement module for accumulating the product points in association with the member point DB and adding the negative points to update the balance point; And a web server that controls the member authentication module and the point settlement module, manages the presentation product DB and the member point DB, and transmits and receives data according to a request of an external element. The partner credit card company server, A member DB holding the member information and the credit information of the member; A member authentication module for authenticating a member recognized by the credit card reader; A payment approval module for approving a credit card payment according to a credit card payment request of a product purchased at the affiliated merchant; A merchandise purchase history DB for storing merchandise purchase history for the merchandise purchased at the affiliated merchant using the credit card; And a product purchase history transmission module for transmitting the product purchase history to the point management server. The method of claim 1, The point management server, After the contract period has elapsed further has a bill transfer module for converting the balance point into a bill amount and transmits to the partner credit card company server, The partner credit card company server, A billing DB for storing billings sent from the point management server; And a billing module for requesting the member to pay the bill received from the bill transfer module. The method of claim 1, And the point management server further includes a presenting product return request module notifying that the presenting product should be returned when the balance point is negative after the contract period has elapsed. The method of claim 1, The point management server asks whether the contract period is extended when the balance point is negative after the contract period has elapsed, and if the contract period is extended, a credit card further including a contract period extension request module for adding a certain amount of the balance points. Showcasing system. In the presentation method using a credit card based on a network comprising at least one affiliated merchant credit card reader, a partner credit card company server connected to the credit card reader and a telephone network, a customer terminal, and a point management server, A registration step of approving the membership so that when the customer requests membership, the affiliate credit card company server checks the credit status of the customer and issues a credit card; A presentation product selection step of storing a negative point generated by the member selecting the presentation product and an offset date for the negative point in a member point DB; A payment approval step of requesting and approving the member authentication and credit card payment of the credit card recognized through a credit card reader when the member purchases the product through the affiliated merchant; A purchase history transmission step of transmitting a product purchase history from the affiliated credit card company server to a point management server; A product point calculation step of calculating a product point assigned to the product; A balance point settlement step of calculating a cumulative point that accumulates the product point, calculating a balance point that is the sum of the negative point and the cumulative point, and storing the balance point in the member point DB; Determination of the offset date to determine whether the offset date is exceeded; Presentation method using a credit card comprising a. The method of claim 5, If the offsetting date is exceeded, an award using a credit card further includes a billing request step of converting an amount corresponding to the balance point into a bill and transferring it to a partner credit card company server and requesting the bill payment to the member. Way. The method of claim 5, And a presenting item return request step of notifying that the presenting item should be returned when the balance point is a negative value when the offset date is exceeded. The method of claim 5, When the balance point is exceeded, when the balance point is a negative value, asking whether or not to extend the contract period, and if the contract period is extended, an introduction using a credit card further includes a contract period extension step of adding a certain amount of balance points. Way. The method according to any one of claims 5 to 8, When the contract is completed, it is asked whether or not to re-apply the presentation.When the re-signing is performed, the balance point is 0. If the balance point is 0, the contract is concluded. A presentation method using a credit card that includes an additional award renewal phase for entering into a reward renewal agreement. The method of claim 9, The affiliated store is a presentation method using a credit card, characterized in that one or more of an oil refinery, department stores, discount stores, credit card companies.