KR100836484B1 - Method of transacting bonus points and purchasing goods with combined various bonus points - Google Patents

Method of transacting bonus points and purchasing goods with combined various bonus points Download PDF

Info

Publication number
KR100836484B1
KR100836484B1 KR1020070112632A KR20070112632A KR100836484B1 KR 100836484 B1 KR100836484 B1 KR 100836484B1 KR 1020070112632 A KR1020070112632 A KR 1020070112632A KR 20070112632 A KR20070112632 A KR 20070112632A KR 100836484 B1 KR100836484 B1 KR 100836484B1
Authority
KR
South Korea
Prior art keywords
point
exchange
points
server
client
Prior art date
Application number
KR1020070112632A
Other languages
Korean (ko)
Inventor
박혜경
Original Assignee
박혜경
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 박혜경 filed Critical 박혜경
Priority to KR1020070112632A priority Critical patent/KR100836484B1/en
Priority to PCT/KR2007/006301 priority patent/WO2009061019A1/en
Application granted granted Critical
Publication of KR100836484B1 publication Critical patent/KR100836484B1/en

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G06Q20/0655—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed centrally
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Abstract

A method for trading bonus points and buying integrated goods is provided to enable a user to use various kinds of points even if an amount of each point is small, and enable the user to use the points diversely by enabling the users to exchange the points without other on the online network. A client inputs personal information to an exchange server through the network(S2). A point server or the exchange server makes/displays a table for displaying a point accumulation status and requesting trade to the client by searching the personal information from the point database or an exchange history database(S3). The client inputs the points to be sold or bought in the table(S4), and the point server makes the client confirm the trade by displaying a reference exchange point of each point value(S6). The point server enables the users to exchange the points based on a kind, a score, and the reference exchange point of each point to be sold or bought(S7). The exchange server updates the exchange history database and the point server reflects trade history to the point database of each point company(S9).

Description

보너스 포인트 거래 및 통합상품구매방법{method of transacting bonus points and purchasing goods with combined various bonus points}{Method of transacting bonus points and purchasing goods with combined various bonus points}

본 발명은, 각종 포인트의 온라인 시장을 형성할 수 있으며, 각종 포인트의 점수가 작더라도 불사용되는 일없이 모두 사용되어질 수 있고, 다양하게 활용할 수 있어, 포인트의 범용성을 높일 수 있으며, 이에 따라 거래의 원활화를 도모하고 소비자의 다양한 욕구를 충족시킬 수 있는 포인트 교환거래 및 통합 상품구매방법에 관한 것이다.The present invention can form an online market of various points, and even if the scores of various points are small, all of them can be used without being used, and can be used in various ways, thereby increasing the versatility of the points, and thus trading The present invention relates to a point exchange transaction and an integrated product purchase method that can facilitate the smoothing of services and satisfy various needs of consumers.

최근, 상품구매시 대부분 보너스포인트(이하, 포인트라 하기도 함)를 부여하여 카드의 사용이나 상품의 구매를 촉진시키고 있다.In recent years, the purchase of goods has been mostly given bonus points (hereinafter, also referred to as points) to promote the use of cards or the purchase of goods.

이와 같이 하여 적립한 포인트는 해당 포인트사의 상품을 구매하는 데에 사용할 수 있도록 하고 있다.The points earned in this way can be used to purchase products of the corresponding point company.

그러나, 수많은 포인트가 주어지고 있고, 이에 따라 적은 점수만을 획득한 경우 그 사용이 어려워 사장되는 문제가 있다.However, a large number of points are given, and accordingly, when only a small number of points are obtained, the use thereof is difficult and the problem is lost.

이러한 문제와 관련된 특허문헌은, 일예를 들면, 공개특허 특2002-0054056호로 개시된 상거래시에 발생하는 보너스 포인트의 가치 전환 방법 및시스템, 가치 전환된 포인트를 사용하는 방법 및 시스템은, 클라이언트가 실제의 상거래에 있어서, 상품 구매시 보너스 포인트를 제공하여, 잠재적인 부채를 갖고 있는 다수의 회원사, 상기 다수의 회원사와 실제 상거래에 있어서, 보너스 포인트를 받음으로써, 상기 다수의 회원사에 대해 잠재적인 채권을 갖고 있는 클라이언트, 상기 회원사의 잠재적인 부채를 인수하여, 상기 회원사로부터 잠재적인 부채에 상응하는 현금을 지급받고, 상기 클라이언트의 요청에 따라 상기 클라이언트가 갖고 있는 각각의 회원사에 대한 잠재 채권을, 상기 클라이언트가 인터넷 이용에 사용할 수 있는 사이버머니로 각각 전환시켜 주는 가치 전환 서버, 및 상기 클라이언트가 가치전환 서버를 통해 전환된 상기 사이버머니를 저장할 수 있고, 필요시 지출할 수 있는 전자 지갑을 포함하는 것을 특징으로 한다.Patent documents related to this problem, for example, the value conversion method and system of the bonus points that occur during the commerce disclosed in Japanese Patent Laid-Open No. 2002-0054056, the method and system using the value converted points, In commerce, a number of member companies that have potential liabilities by purchasing bonus products, and by receiving bonus points in actual commerce with the plurality of member companies, have potential bonds to the plurality of member companies. The client acquires the potential debt of the member, receives cash corresponding to the potential debt from the member company, and, upon the client's request, acquires a potential bond for each member company held by the client. When switching to each cyber money that can be used Worth switching server, and the client can save the cyber money that goes through the transition value Server, which can be characterized in that it comprises an electronic wallet that can be spent when needed.

이와 같이 대부분 사이버머니로 전환하여 주는 것이어서 포인트발행사가 직접 현금을 주지는 아니한다는 것뿐이지, 결국 현금을 되돌려 주는 것이기 때문에 여러 가지 문제가 발생할 수 있다.In this way, most of the money is converted to cyber money, so the point issuer does not directly give cash, but in the end, the cash is returned, so various problems may occur.

또, 공개번호 특2000-0072202호로 개시되는 「포인트 경매를 이용한 전자 상거래 장치 및 방법」은, 개개의 사용자들이 소유하고 있던 개별의 기업에서 제공하는 보너스 포인트, CM 및 이벤트 상품을 사용자간의 새로운 포인트 거래 방식을 통해 상호 교환하여 상품 구입시 보너스 포인트, CM 및 이벤트 상품의 각종 서비스를 현금화하는 전자 상거래 장치 및 방법에 관한 것이고, 사용자간에 상호 교환에 의한 포인트 경매를 이용하는 전자 상거래 장치라고 하지만, 전혀 구체적인 구성이 없이 단순히 포인트 경매를 이용한다고 하고 있어 그 실시가 의문시된다.In addition, the "E-Commerce Device and Method Using Point Auction" disclosed in Publication No. 2000-0072202 discloses new point transactions between users for bonus points, CMs, and event products provided by individual companies owned by individual users. The present invention relates to an electronic commerce device and a method for cashing bonus points, CM, and various services of an event product when a product is exchanged through a method, and is called an electronic commerce device using point auctions by mutual exchange between users. It is said that a point auction is simply used without this, and the implementation is questioned.

따라서, 본 발명은 이러한 문제를 해결하기 위한 것으로, 각종 포인트의 온라인 교환시장을 실현할 수 있으며, 각종 포인트의 점수가 작더라도 불사용되는 일없이 모두 사용되어질 수 있고, 다양하게 활용할 수 있어, 포인트의 범용성을 높일 수 있으며, 이에 따라 거래의 원활화를 도모하고 소비자의 다양한 욕구를 충족시킬 수 있는 포인트 교환거래 및 통합 상품구매방법을 제공하는 데에 그 목적이 있다. Accordingly, the present invention is to solve such a problem, it is possible to realize the online exchange market of various points, even if the score of the various points is small, can be used all without being used, can be used in various ways, The purpose of the present invention is to provide a point exchange transaction and an integrated product purchase method that can increase the versatility, thereby facilitating transactions and satisfying various needs of consumers.

상술한 목적을 달성하기 위해 본 발명의 일실시예에 따른 보너스포인트 거래방법은, 각종 포인트중 불필요한 포인트를 필요한 포인트로 교환하는 포인트 거래방법에 있어서, 휴대폰, PDA, 컴퓨터의 클라이언트에서 유무선 인터넷의 통신망을 개재하여 교환거래서버에 접속하여 매도할 포인트의 종류와 점수 및 매수할 포인트의 종류와 점수를 입력등록하는 단계와, 각 포인트의 가치에 대한 교환 기준포인트를 표시하여 거래를 확인시키는 단계와, 거래의 확인후, 상기 매도 및 매수할 각종 포인트의 종류와 점수 및 그 각각에 대한 기준포인트를 기준으로 클라이언트들끼리 각 포인트를 교환하여 거래하는 단계와, 취득교환거래이력DB 및 교환할 각 포인트의 포인트사 포인트관련 서버의 포인트관련DB에 거래내역을 반영기록하는 단계를 포함하여 구성되는 것을 특징으로 한다.Bonus point trading method according to an embodiment of the present invention in order to achieve the above object, in the point trading method for exchanging unnecessary points of the various points to the necessary points, the communication network of the wired and wireless Internet in the client of the mobile phone, PDA, computer Accessing the exchange transaction server via the Internet, inputting and registering the type and score of points to be sold and the type and score of points to be bought; and confirming the transaction by displaying an exchange reference point for the value of each point; After confirming, the client exchanges each point with each other based on the types and scores of the various points to be sold and bought, and the reference points for each of the points, the acquisition exchange transaction history DB and the point company of each point to be exchanged. It comprises the step of reflecting and recording the transaction history in the point-related DB of the point-related server And that is characterized.

또한, 본 발명은, 보너스포인트를 포함하여 상품을 구매하는 방법에 있어서, 상품대금을 포인트를 포함하여 지불하는 때에, 상품판매자 또는 쇼핑몰이용자의 상품거래클라이언트로부터 포인트사 포인트관련 서버 또는 교환거래서버에 접속하고 인적사항의 입력으로 소유현황을 조회하는 단계와, 조회결과, 다른 불필요한 포인트들을 교환하여 필요한 포인트로 통합할 필요가 있는 때에 상술한 각 단계들을 수행하는 단계와, 포인트사 포인트관련 서버를 접속하여 상품대금의 전부 또는 일부의 지불을 위해 교환이 완료되어 통합된 포인트를 사용하는 단계를 포함하여 구성되는 것을 특징으로 하는 보너스포인트 통합상품구매방법을 제공한다.In addition, the present invention, in the method of purchasing a product including a bonus point, when paying the product price including the point, from the product trading client of the product seller or shopping mall users to the point company point-related server or exchange transaction server Accessing and inquiring possession status by inputting personal information, performing the above-mentioned steps when it is necessary to exchange other unnecessary points and integrate them into necessary points; It provides a bonus point integrated product purchase method comprising the step of using the integrated points to complete the exchange for payment of all or part of the commodity price.

위 본 발명의 과제해결수단에 의하면, 각종 포인트의 온라인 시장을 형성할 수 있으며, 각종 포인트의 점수가 작더라도 불사용되는 일없이 모두 사용되어질 수 있고, 다양하게 활용할 수 있어, 포인트의 범용성을 높일 수 있으며, 이에 따라 거래의 원활화를 도모하고 소비자의 다양한 욕구를 충족시킬 수 있는 효과가 있다.According to the above problem solving means of the present invention, it is possible to form an online market of various points, even if the score of various points is small, all can be used without being used, and can be used in various ways, thereby increasing the versatility of the points As a result, it is possible to facilitate transactions and to satisfy various needs of consumers.

이하, 첨부된 도면을 참조하여 본 발명의 바람직한 실시예(들)를 상세히 설명하면 다음과 같다. 그러나, 본 발명이 이에 한정되는 것은 아니다.Hereinafter, exemplary embodiment (s) of the present invention will be described in detail with reference to the accompanying drawings. However, the present invention is not limited thereto.

도 1에는 본 발명에 따라 보너스포인트 거래 및 통합상품구매방법을 실시하기 위한 시스템의 개략 구성도가 도시되지만, 본 발명이 이러한 구성에 한정되어 실시되는 것은 아니다. 도 1에서 휴대폰, PDA, 컴퓨터의 다수의 클라이언트(10)와 다수의 상품거래클라이언트(50)와, 유무선 인터넷의 통신망(40)을 통하여 접속되어 본 발명에 따른 보너스포인트 거래 및 통합상품구매방법을 이용할 수 있도록 구축된 교환거래서버(20) 및 포인트사 포인트관련 서버(30)를 포함하여 구성되며, 교환거래서버(20)를 통해 접근할 수 있는 적어도 회원DB(21), 취득교환거래이력DB(22) 및 매수매도현황 및 기준포인트DB(23)가 구축되며, 포인트사 포인트관련 서버(30)를 통해 접근할 수 있는 적어도 포인트를 관리하기 위한 포인트관련DB(31)가 마련되어 있다.Although Fig. 1 shows a schematic configuration diagram of a system for implementing bonus point trading and integrated product purchase method according to the present invention, the present invention is not limited to this configuration. In FIG. 1, a plurality of clients 10 and a plurality of commodity trading clients 50 of a mobile phone, a PDA, and a computer are connected to each other through a communication network 40 of a wired / wireless internet, and a bonus point transaction and an integrated product purchasing method according to the present invention. It is configured to include an exchange transaction server 20 and point company point-related server 30 is built to be available, at least a member DB (21) accessible through the exchange transaction server 20, acquisition exchange transaction history DB (22) and the buy and sell status and the reference point DB 23 are constructed, and a point-related DB 31 for managing at least points accessible through the point company point-related server 30 is provided.

도 2 및 도 3에는 본 발명의 일실시예에 따른 보너스포인트 교환 거래방법 및 통합상품구매방법을 나타내는 플로우챠트가 도시되며, 도 4 및 도 5에는 취득교환거래이력DB와 매수/매도현황 및 기준포인트DB의 일예의 구성이 도시되고, 도 6에는 포인트의 거래를 하기 위한 소유현황 및 거래요청 테이블의 일예가 도시된다.2 and 3 are flow charts showing the bonus point exchange transaction method and integrated product purchase method according to an embodiment of the present invention, Figures 4 and 5 and the acquisition exchange transaction history DB and the buy / sell status and criteria An example configuration of the point DB is shown, and FIG. 6 shows an example of the ownership status and transaction request table for trading points.

본 발명의 포인트의 교환 거래방법은, 기본적으로, 각종 포인트중 불필요한 포인트를 필요한 포인트로 교환하는 포인트 거래방법으로서, 휴대폰, PDA, 컴퓨터의 클라이언트(10)에서 유무선 인터넷의 통신망(40)을 개재하여 교환거래서버(20)에 접속한 후, 매도할 포인트의 종류와 점수 및 매수할 포인트의 종류와 점수를 입력등록하는 단계와, 각 포인트의 가치에 대한 교환 기준포인트를 표시하여 거래를 확인시키는 단계와, 거래의 확인후, 상기 매도 및 매수할 각종 포인트의 종류와 점수 및 그 각각에 대한 기준포인트를 기준으로 클라이언트(10)들끼리 각 포인트를 교환하여 거래하는 단계와, 취득교환거래이력DB(22)와, 교환할 각 포인트의 포인트사 포인트관련 서버(30)의 포인트관련DB(31)에 거래내역을 반영기록하는 단계를 포함하여 구성된다.The point exchange transaction method of the present invention is basically a point transaction method for exchanging unnecessary points among various points, through a communication network 40 of a wired or wireless Internet in a client 10 of a mobile phone, a PDA, or a computer. Accessing the exchange transaction server 20 and inputting and registering the type and score of points to be sold and the type and score of points to be bought; and confirming a transaction by displaying exchange reference points for the value of each point; After the transaction is confirmed, the client 10 exchanges each point with each other based on the type and score of the various points to be sold and bought, and the reference point for each of the points, and the acquisition exchange transaction history DB 22. And reflecting and recording the transaction details in the point-related DB 31 of the point company point-related server 30 of each point to be exchanged.

도 2의 실시예에서는, 단계S1에서 휴대폰, PDA, 컴퓨터의 클라이언트(10)에서 유무선 인터넷의 통신망(40)을 개재하여 교환거래서버(20)에 접속하여 거래요청을 하며, 단계S2에서 인적사항을 입력하면, 단계S3에서 도 6의 일예와 같은 소유현황 및 거래요청 테이블이 작성되어 표시된다. 소유현황은, 인적사항을 기초로 포인트사의 포인트관련 서버(30)를 통한 포인트관련DB(31)를 조회하거나 또는 그 포인트관련DB(31)로부터 실시간으로 갱신되는 도 4의 일예와 같은 취득교환거래이력DB(22)를 조회하여 작성하며, 단계S4에서 매수/매도할 포인트의 종류와 점수 및 상대적 가치인 매수포인트(매수기준포인트라고도 함)와 매도포인트(매도기준포인트라고도 함)는 소유자의 요망에 따라 조회시 기준포인트를 참조하여 작성된다. 도 6에서는, 소유자 C1이 Pi 및 Pj 포인트를 소유하고 있고, Pj 포인트를 Pi 포인트로 교환거래하고자 하는 테이블로서 최대매수점수는 35점이고 매수 포인트는 1.2이며, 최대매도점수는 35점이고 매도포인트는 1.0이다(조회시의 기준포인트는 각각 1.2와 1.0이다).In the embodiment of Fig. 2, in step S1, the client 10 of the mobile phone, PDA, and computer accesses the exchange transaction server 20 via the communication network 40 of the wired / wireless Internet to make a transaction request, and the personal information in step S2. In step S3, the ownership status and transaction request table as in the example of FIG. 6 is created and displayed in step S3. The possession status is obtained from the point-related DB 31 through the point-related server 30 of the point company based on the personal information, or the acquisition exchange transaction as in the example of FIG. 4 which is updated in real time from the point-related DB 31. Inquiry is made of the history DB (22), and in step S4, the type and score of the points to be bought and sold, and the buy points (also called buy reference points) and sell points (also called sell reference points), which are relative values, are requested by the owner. According to the reference, the reference point is created. In FIG. 6, owner C1 owns Pi and Pj points, and the table is to trade Pj points for Pi points. The maximum buy score is 35, the buy point is 1.2, the maximum sell score is 35, and the sell point is 1.0. (The reference points at the time of inquiry are 1.2 and 1.0, respectively).

상술한 바와 같이 매도할 포인트의 종류와 점수 및 매수할 포인트의 종류와 점수를 입력등록하는 단계가 입력자의 편리를 위해 다수의 단계로 구성될 수도 있지만, 직접 입력하는 형태일 수도 있으며, 소유현황도 입력에 기초하여 그 가부를 확인할 수 있도록 조회하는 구성으로도 가능하다.As described above, the step of registering and registering the types and scores of points to be sold and the types and scores of points to be bought may be composed of a plurality of steps for the convenience of the inputter, but may be in the form of directly inputting or the possession status. It is also possible to configure a query to check the availability based on the.

이와 같은 매수매도의 요청에 따라 단계S5에서는 다른 매수/매도 고객들의 매수포인트와 매도포인트를 비교하여 매수포인트가 매도포인트보다 같거나 큰 경우 그 매수 기준포인트와 매도 기준포인트 사이의 기준포인트, 즉, 평균 기준포인트 또는 매도 기준포인트로 교환을 위한 기준포인트로 결정하여 거래를 진행한다. 이와 같이 결정되는 기준포인트는, 일예이며, 여타의 방법으로도 결정될 수 있다.In response to such a request for selling, in step S5, the buying point and the selling point of other buying / selling customers are compared and the buying point is the same as or greater than the selling point, that is, the reference point between the buying reference point and the selling reference point, that is, The transaction proceeds by determining a reference point for exchange with an average reference point or a selling reference point. The reference point determined in this way is an example and may be determined by other methods.

즉, 그 교환 기준포인트는, 미리 고정된 값으로 설정하거나, 주어진 시간동안의 각 포인트의 수요 점수와 공급 점수와의 관계에 의하여 일정한 비례관계의 함수도 정하여질 수도 있다. 예를 들면, 기준포인트를 포인트의 수요 점수와 공급 점수의 평균으로 수요점수를 나눔으로써 구해질 수도 있다. 또, 그 교환 기준포인트는, 화폐나 어느 특정 포인트, 예를 들어, 수요가 많은 포인트를 기준으로 하여 여타의 포인트들의 상대적인 가치를 정할 수도 있다.That is, the exchange reference point may be set to a fixed value in advance, or a function of a constant proportionality may be determined by a relationship between the demand score and the supply score of each point for a given time. For example, the reference point may be obtained by dividing the demand score by the average of the demand score and the supply score of the point. The exchange reference point may also determine the relative value of other points based on currency or any particular point, for example, a point in demand.

그 뒤, 각 포인트의 가치에 대한 교환 기준포인트를 표시하여 거래를 확인시키는 단계를 포함한다.Thereafter, displaying the exchange reference point for the value of each point to confirm the transaction.

단계S7에서 거래의 확인후, 교환가능여부를 확인하며, 교환가능시에는 단계S9에서 상기 매도 및 매수할 각종 포인트의 종류와 점수 및 그 각각에 대한 기준포인트를 기준으로 클라이언트(10)들끼리 각 포인트를 교환하여 거래한다. After confirming the transaction in step S7, it is checked whether it is exchangeable, and when it is possible to exchange, each point between the clients 10 based on the type and score of the various points to be sold and bought and a reference point for each of them. Exchange by trading.

어느 2 당사자간에 매수와 매도의 양측에 있어서 교환조건이 일치될 수도 있지만, 양 당사자간에 포인트의 종류와 점수 및 기준포인트가 매수와 매도에 있어 상호 합의되는 것이 쉽지는 아니할 것이므로, 일반적으로는 다자간의 교환거래를 통해 매수와 매도가 이루어지게 될 것이다.Although the terms of exchange may be the same on both sides of the buy and sell between the two parties, it is generally difficult for the parties to agree on the type and score and the reference point of the buy and sell. The exchange will buy and sell.

도 4 내지 도 6의 실시예에서는 본 발명이 3자간의 예를 들어 설명된다.In the embodiment of Figs. 4 to 6, the present invention is described by taking an example of three characters.

일단, 소유자 C1, C2, Ci의 입력등록에 따라 도 5의 매수매도현황 및 기준포인트DB(23)가 작성되고, 도 5의 Pi 포인트의 경우, 매수자 C1이 최대 35점을 1.2의 매수포인트로 매수를 신청한 상태이며, 그 뒤, C2 및 Ci가 각각 20 및 10점을 1.1 및 1.0의 매도포인트로 매도를 신청한 상태인 것으로 나타난다. 이에 따라 기준포인트의 결정방법의 일예에 따라 C2 및 Ci 모두 매수포인트가 매도포인트보다 크므로 매도포인트 1.1 및 1.0으로 하여 20점 및 10점이 교환가능하게 된다. 즉 기준포인트가 C2의 매도전에는 1.2이었지만 C2의 매도시에는 1.1로 되었고, Ci의 매도시에는 1.0으로 되었다. 이대로 장이 마감하게 되면, 최종 기준포인트는 1.0으로 된다.First, in accordance with the input registration of the owners C1, C2, Ci, the buy and sell status of FIG. 5 and the reference point DB 23 are created, and in the case of Pi point of FIG. 5, the buyer C1 has a maximum of 35 points as 1.2 buy points. It appears that it has applied for a buy, and then C2 and Ci have applied for a sell at 20 and 10 points with selling points of 1.1 and 1.0, respectively. Accordingly, according to one example of the method of determining the reference point, both the C2 and Ci buy points are larger than the sell points, so that 20 points and 10 points can be exchanged at the selling points 1.1 and 1.0. In other words, the reference point was 1.2 before selling C2 but became 1.1 in selling C2 and 1.0 in selling Ci. At the end of the course, the final reference point is 1.0.

한편, C2 및 Ci가 모두 Pi의 포인트 22점과 10점을 각각 1.0의 매수포인트로 매수하고자 하므로, C1의 매도범위내이어서 매도포인트 1.0을 기준포인트로 하여 이 역시 교환가능하게 된다.On the other hand, since both C2 and Ci intend to buy 22 points and 10 points of Pi as 1.0 purchase points, respectively, this is also exchangeable with the selling point 1.0 as the reference point, since it is within the selling range of C1.

이에 따라 먼저, 3자간에 교환이 이루어질 수 있게 되고, 다만, C1은 여전히 Pi 포인트를 5점 더 매수하고자 하는 상태로 된다.Accordingly, first, the exchange can be made between the three characters, but C1 is still in a state of buying five more Pi points.

상술한 예에서는, 일단 수요와 공급에 따라 기준포인트가 정하여지게 되고, 교환거래는, 다자간의 교환거래에 있어 선입선출방식으로 먼저 매수매도등록한 고객부터 교환거래를 완료하여 가는 형태로 교환거래가 이루어지게 된다.In the above example, once the reference point is determined according to the supply and demand, the exchange transaction is a first-in-first-out method in the multilateral exchange transaction. do.

다만, 일정한 시간동안 및/또는 일정시각에 교환거래가 안된 상태로 되는 고객의 매수 및 매도 포인트에 대해서는 계약조건에 따라 다양한 방법으로 처리하는 것이 가능하다.However, purchase and sell points of customers who are not in an exchange transaction for a certain time and / or at a certain time may be processed in various ways according to the terms of the contract.

그 일예로서 운영자가 통용 보너스포인트를 발행하여 마지막의 기준포인트로 교환거래시키는 것이다. 즉, 단계S7에서 교환이 불가능한 경우, 단계S8에서 클라이언트(10)들끼리 교환거래하는 대신 운영자도 하나의 클라이언트(10)로서 사전 계약에 따라 각 포인트사에서 통용되는 통용 보너스포인트를 발행하여 교환거래를 하는 것이다. 이와 같이 함으로써 거래를 원활하게 할 수 있게 된다.For example, the operator issues currency prevailing bonus points and exchanges them for the last reference point. In other words, if the exchange is not possible in step S7, instead of exchanging transactions between the clients 10 in step S8, the operator also issues a currency bonus point commonly used by each point company in accordance with a pre-contract as one client 10 to exchange the transaction. To do. In this way, the transaction can be facilitated.

통용 보너스포인트의 발행으로 취득한 포인트들도 적어도 취득조건으로 거래대상이 되며, 최종적으로 거래가 불가능한 것으로 판단되는 때에는 발행회사와의 계약조건에 따라 거래를 중지시키는 조치를 취할 수도 있을 것이다.Points acquired through the issuance of current bonus points are also subject to trading, at least as a condition of acquisition, and may finally take measures to suspend trading in accordance with the terms of the agreement with the issuing company when it is determined that the transaction is impossible.

상술한 바와 같이 교환거래가 이루어지면, 단계S9에서는, 취득교환거래이력DB(22)와, 교환할 각 포인트의 포인트사 포인트관련 서버(30)의 포인트관련DB(31)에 거래내역을 반영기록한다. 단계S10에서 재교환여부를 확인하여 재교환시 단계S3으로 복귀하여 다시 교환거래를 시작하며, 종료를 원하는 경우 종료하며, 단지 상품구매포인트사용지불모드의 경우 후술하는 바와 같이 상품구매포인트지불모드로 복귀한다. When the exchange transaction is made as described above, in step S9, the transaction details are reflected and recorded in the acquisition exchange transaction history DB 22 and the point association DB 31 of the point company point association server 30 of each point to be exchanged. . In step S10, if it is re-exchange, it returns to step S3 at the time of re-exchange and starts the exchange transaction again, and if it is desired to terminate, it ends only in the case of using the purchase point of purchase point payment mode, as described below. To return.

상술한 바와 같이 수요와 공급에 따라 정하여지는 기준포인트 및/또는 통용 보너스포인트제도와 선입선출방식으로 거래를 달성시키는 제도를 도입함으로써 각종 포인트의 온라인 시장을 형성,육성할 수 있으며, 각종 포인트의 점수가 작더라도 불사용되는 일없이 모두 사용되어질 수 있고, 다양하게 활용할 수 있어, 포인트의 범용성을 높일 수 있으며, 이에 따라 거래의 원활화를 도모하고 소비자의 다양한 욕구를 충족시킬 수 있게 된다.As described above, by introducing a standard point and / or a general bonus point system determined according to supply and demand and a system that achieves a transaction in a first-in-first-out manner, an online market of various points can be formed and nurtured. Even if it is small, all of them can be used without being used and can be used in various ways, thereby increasing the versatility of the points, thereby facilitating transactions and satisfying various needs of consumers.

또, 본 발명의 다른 실시예는, 보너스포인트를 포함하여 상품을 구매하는 방법에 적용된다. 즉, 도 4에서 먼저 상품을 구매하기 위해 포인트를 사용하여 대금의 전부 또는 일부를 지불하고자 하고, 또한, 해당 상품에 유용한 포인트가 부족하며, 그 해당 상품에 유용한 포인트로 교환가능한 포인트를 소유한 경우, 일예로서 도 3에 도시된 바와 같이 상품구매포인트사용지불모드에서 단계S11에서 인적사항을 입력하고 포인트 소유현황을 조회하며, 그 결과에 따라 포인트의 교환하고자 하는 경우 단계S1으로 가서 상술한 교환거래방법을 실시하며, 교환거래가 불필요한 경우에는 단계S12로 가서 통상의 상품구매포인트지불모드를 실시한다.Further, another embodiment of the present invention is applied to a method of purchasing a product including bonus points. That is, in FIG. 4, if a user wants to pay all or part of the price using points to purchase a product first, and also lacks useful points for the corresponding product, and possesses points that can be exchanged for useful points for the corresponding product. For example, in the goods purchase point use payment mode, as shown in FIG. 3, the personal information is entered in step S11 and the point ownership is inquired. If the point is to be exchanged according to the result, go to step S1 and the exchange transaction described above. If no exchange transaction is necessary, the flow advances to step S12 to execute the normal product purchase point payment mode.

포인트의 교환이 필요한 경우 상술한 바와 같이 단계S1으로부터 단계S10까지 수행한 후, 단계S13으로 복귀하여 교환거래가 완료된 상태에서 통상의 상품구매포인트지불모드를 실시함으로써 불필요한 포인트들을 이용하여 원하는 상품의 구매를 할 수 있게 된다.If the exchange of points is necessary, after performing steps S1 to S10 as described above, returning to step S13 and performing a normal product purchase point payment mode in the state where the exchange transaction is completed, thereby purchasing the desired product using unnecessary points. You can do it.

여기서 상품구매포인트사용지불모드라함은 포인트를 이용하여 대금을 지불하도록 구축된 소프트웨어의 대표적인 명칭에 불과하며, 본 발명이 이에 한정되는 것은 아니며, 또한, 통상 오프라인 거래중에는 상품을 판매하는 판매자의 클라이언 트(50)에 구축되어 있으며, 이를 통해 교환거래서버(20)에 접속하여 교환거래가 이루어지게 되고, 쇼핑몰 서버에 접속하여 구매하고자 하는 경우에는 구매자의 클라이언트(10)로서 교환거래서버(20)에 접속이 이루어지게 된다.Here, the product purchase point use payment mode is merely a representative name of the software built to pay the price using the point, and the present invention is not limited thereto, and also, the client of the seller who sells the product during the offline transaction. It is built in (50), through which the exchange transaction is made by accessing the exchange transaction server 20, and if you want to purchase access to the shopping mall server is connected to the exchange transaction server 20 as the client 10 of the buyer This is done.

도 1은 본 발명에 따라 보너스포인트 거래 및 통합상품구매방법을 실시하기 위한 시스템의 개략 구성도이다.1 is a schematic configuration diagram of a system for implementing a bonus point transaction and integrated product purchase method according to the present invention.

도 2는 본 발명의 일실시예에 따른 보너스포인트 교환거래방법을 나타내는 플로우챠트이다.2 is a flowchart illustrating a bonus point exchange transaction method according to an embodiment of the present invention.

도 3는 본 발명의 일실시예에 따른 보너스포인트 통합상품구매방법을 나타내는 플로우챠트이다.3 is a flowchart illustrating a method for purchasing bonus point integrated products according to an embodiment of the present invention.

도 4는 취득교환거래이력DB의 일예를 도시한 구성도이다.4 is a configuration diagram showing an example of an acquisition exchange transaction history DB.

도 5는 매수매도현황 및 기준포인트DB의 일예를 도시한 구성도이다.5 is a diagram illustrating an example of a buy and sell status and a reference point DB.

도 6은 포인트의 거래를 하기 위한 소유현황 및 거래요청 테이블의 일예이다.6 is an example of a possession status and a transaction request table for trading points.

<도면의 주요 부분에 대한 부호 설명><Description of the symbols for the main parts of the drawings>

10: 클라이언트 20: 교환거래서버10: Client 20: Exchange Transaction Server

21: 회원DB 22: 취득교환거래이력DB21: Member DB 22: Acquisition Exchange Transaction History DB

23: 매수매도현황 및 기준포인트DB 30: 포인트사 포인트관련 서버23: Selling status and reference point DB 30: Point company point related server

31: 포인트관련DB 40: 통신망31: point-related DB 40: communication network

50: 상품거래클라이언트50: Commodity Trading Client

Claims (5)

휴대폰, PDA, 컴퓨터를 소지하고 있는 클라이언트(10)가 유무선 인터넷의 통신망(40)을 통하여 교환거래서버(20) 및 포인트관련서버(30)와 접속되어 각종 포인트 중 불필요한 포인트를 필요한 포인트로 교환하는 포인트 거래방법에 있어서,The client 10 having a mobile phone, a PDA and a computer is connected to the exchange transaction server 20 and the point related server 30 through the communication network 40 of the wired and wireless Internet to exchange unnecessary points among the various points with necessary points. In the point trading method, 상기 클라이언트(10)가 상기 통신망(40)을 통하여 교환거래서버(20)에 접속되면 상기 클라이언트(10)가 자신의 인적사항을 입력하고, 상기 포인트관련서버(30)가 포인트관련DB(31)를 통하거나 상기 교환거래서버(20)가 상기 포인트관련DB(31)로부터 실시간으로 갱신되는 취득교환거래이력DB(22)를 상기 입력된 인적사항에 대한 포인트의 소유현황을 검색조회 하여 소유현황 및 거래요청을 위한 테이블을 작성하여 표시하며, 그 소유현황 및 거래요청을 위한 테이블에서 매수 및 매도할 포인트의 종류와 점수를 입력등록하는 단계와,When the client 10 is connected to the exchange transaction server 20 through the communication network 40, the client 10 inputs his or her personal information, and the point-related server 30 is a point-related DB 31. Through the exchange transaction server 20, the acquisition exchange transaction history DB 22, which is updated in real time from the point-related DB 31, and retrieves the possession status of the point for the input personal information, Creating and displaying a table for a transaction request, inputting and registering the type and score of points to be bought and sold in the table for the ownership status and the transaction request; 상기 클라이언트(10)가 상기 통신망(40)을 통하여 포인트관련서버(30)에 접속되면 상기 포인트관련서버(30)는 포인트관련DB(31)를 통해 각 포인트의 가치에 대한 교환 기준포인트를 표시하여 거래를 확인시키는 단계와,When the client 10 is connected to the point-related server 30 through the communication network 40, the point-related server 30 displays the exchange reference point for the value of each point through the point-related DB 31 Confirming the transaction, 상기 포인트관련서버(30)가 거래를 확인시키는 단계를 수행한 후, 상기 매도 및 매수할 각종 포인트의 종류와 점수 및 그 각각에 대한 교환 기준포인트를 기준으로 상기 클라이언트(10)들은 상호 간에 각 포인트를 교환하여 거래하는 단계와,After the point-related server 30 performs the step of confirming the transaction, the clients 10 each point to each point based on the type and score of the various points to be sold and bought and the exchange reference point for each of them. Trading in exchange, 상기 교환거래서버(20)는 취득교환거래이력DB(22)를 통해 취득교환거래이력을 기록하고, 상기 포인트관련서버(30)는 교환할 각 포인트의 포인트사 포인트관련DB(31)를 통해 거래내역을 반영기록하는 단계를 포함하여 이루어진 것을 특징으로 하는 보너스포인트 거래방법.The exchange transaction server 20 records the acquisition exchange transaction history through the acquisition exchange transaction history DB 22, the point-related server 30 deals through the point company point association DB 31 of each point to be exchanged Bonus point trading method comprising the step of reflecting the record. 삭제delete 삭제delete 휴대폰, PDA, 컴퓨터를 소지하고 있는 클라이언트(10)가 유무선 인터넷의 통신망(40)을 통하여 교환거래서버(20) 및 포인트관련서버(30)와 접속되어 보너스포인트를 포함하여 상품을 구매하는 방법에 있어서,Client 10 having a mobile phone, PDA, computer is connected to the exchange transaction server 20 and the point-related server 30 through the communication network 40 of the wired and wireless Internet to purchase goods including bonus points In 상품대금을 포인트를 포함하여 지불할 때에, 상품판매자 또는 쇼핑몰이용자의 상품거래클라이언트(50)는 포인트사 포인트관련 서버(30) 또는 교환거래서버(20)에 접속되어 자신의 인적사항의 입력으로 소유현황을 조회하는 단계와, When paying a commodity price including points, the commodity trading client 50 of the commodity seller or the shopping mall user is connected to the point company point-related server 30 or the exchange transaction server 20 and owned as an input of his personal information. Querying the status 상기 상품거래클라이언트(50)는 포인트사 포인트관련 서버(30)를 통해 상품대금의 전부 또는 일부의 지불을 위해 교환이 완료되어 통합된 포인트를 사용하는 단계를 포함하여 구성되는 것을 특징으로 하는 보너스포인트 통합상품구매방법.The commodity trading client 50 is a bonus point characterized in that it comprises a step of using the integrated point to complete the exchange for payment of all or part of the commodity price through the point company point-related server 30 Integrated product purchase method. 삭제delete
KR1020070112632A 2007-11-06 2007-11-06 Method of transacting bonus points and purchasing goods with combined various bonus points KR100836484B1 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
KR1020070112632A KR100836484B1 (en) 2007-11-06 2007-11-06 Method of transacting bonus points and purchasing goods with combined various bonus points
PCT/KR2007/006301 WO2009061019A1 (en) 2007-11-06 2007-12-06 Method of transacting bonus points and purchasing goods with combined various bonus points

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020070112632A KR100836484B1 (en) 2007-11-06 2007-11-06 Method of transacting bonus points and purchasing goods with combined various bonus points

Publications (1)

Publication Number Publication Date
KR100836484B1 true KR100836484B1 (en) 2008-06-10

Family

ID=39770630

Family Applications (1)

Application Number Title Priority Date Filing Date
KR1020070112632A KR100836484B1 (en) 2007-11-06 2007-11-06 Method of transacting bonus points and purchasing goods with combined various bonus points

Country Status (2)

Country Link
KR (1) KR100836484B1 (en)
WO (1) WO2009061019A1 (en)

Cited By (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2010093893A2 (en) * 2009-02-13 2010-08-19 Visa U.S.A. Inc. Point of interaction loyalty currency redemption in a transaction
US8725568B2 (en) 2009-08-24 2014-05-13 Visa U.S.A. Inc. Coupon bearing sponsor account transaction authorization
US8880431B2 (en) 2012-03-16 2014-11-04 Visa International Service Association Systems and methods to generate a receipt for a transaction
US9031859B2 (en) 2009-05-21 2015-05-12 Visa U.S.A. Inc. Rebate automation
US9460436B2 (en) 2012-03-16 2016-10-04 Visa International Service Association Systems and methods to apply the benefit of offers via a transaction handler
US9495690B2 (en) 2012-04-04 2016-11-15 Visa International Service Association Systems and methods to process transactions and offers via a gateway
US9626678B2 (en) 2012-08-01 2017-04-18 Visa International Service Association Systems and methods to enhance security in transactions
US9672516B2 (en) 2014-03-13 2017-06-06 Visa International Service Association Communication protocols for processing an authorization request in a distributed computing system
US9864988B2 (en) 2012-06-15 2018-01-09 Visa International Service Association Payment processing for qualified transaction items
US9922338B2 (en) 2012-03-23 2018-03-20 Visa International Service Association Systems and methods to apply benefit of offers
US9990646B2 (en) 2013-10-24 2018-06-05 Visa International Service Association Systems and methods to provide a user interface for redemption of loyalty rewards
US10223707B2 (en) 2011-08-19 2019-03-05 Visa International Service Association Systems and methods to communicate offer options via messaging in real time with processing of payment transaction
US10354268B2 (en) 2014-05-15 2019-07-16 Visa International Service Association Systems and methods to organize and consolidate data for improved data storage and processing
US10360578B2 (en) 2012-01-30 2019-07-23 Visa International Service Association Systems and methods to process payments based on payment deals
US10438199B2 (en) 2012-08-10 2019-10-08 Visa International Service Association Systems and methods to apply values from stored value accounts to payment transactions
US10489754B2 (en) 2013-11-11 2019-11-26 Visa International Service Association Systems and methods to facilitate the redemption of offer benefits in a form of third party statement credits
US10685367B2 (en) 2012-11-05 2020-06-16 Visa International Service Association Systems and methods to provide offer benefits based on issuer identity

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20000063963A (en) * 2000-08-12 2000-11-06 박창후 Internet mileage point conversion system.
KR20020073809A (en) * 2001-03-16 2002-09-28 삼성전자 주식회사 Point trading service method and system therefor

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE19920753A1 (en) * 1999-04-23 2000-10-26 Bayer Ag Production of catalyst containing gold and-or silver and amorphous titanium-silicon oxide, used for selective hydrocarbon oxidation, e.g. propene to propene oxide, involves making the mixed oxide by a sol-gel process
KR20020000418A (en) * 2000-06-26 2002-01-05 이형도 Power supply structure of vibration motor for cellular phone
US20020026354A1 (en) * 2000-08-25 2002-02-28 Nobuhiro Shoji Method and system for exchange points
AU2003211467A1 (en) * 2002-08-23 2004-03-11 Axle Linkage Labo Inc. Sales promotion point exchange method and system

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20000063963A (en) * 2000-08-12 2000-11-06 박창후 Internet mileage point conversion system.
KR20020073809A (en) * 2001-03-16 2002-09-28 삼성전자 주식회사 Point trading service method and system therefor

Cited By (38)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11887093B2 (en) 2009-02-13 2024-01-30 Visa International Service Association Point of interaction loyalty currency redemption in a transaction
WO2010093893A3 (en) * 2009-02-13 2010-12-02 Visa U.S.A. Inc. Point of interaction loyalty currency redemption in a transaction
WO2010093893A2 (en) * 2009-02-13 2010-08-19 Visa U.S.A. Inc. Point of interaction loyalty currency redemption in a transaction
US10430774B2 (en) 2009-02-13 2019-10-01 Visa International Service Association Point of interaction loyalty currency redemption in a transaction
US11004052B2 (en) 2009-02-13 2021-05-11 Visa International Service Association Point of interaction loyalty currency redemption in a transaction
US9721238B2 (en) 2009-02-13 2017-08-01 Visa U.S.A. Inc. Point of interaction loyalty currency redemption in a transaction
US9031859B2 (en) 2009-05-21 2015-05-12 Visa U.S.A. Inc. Rebate automation
US8965810B2 (en) 2009-08-24 2015-02-24 Visa U.S.A. Inc. Coupon bearing sponsor account transaction authorization
US8725568B2 (en) 2009-08-24 2014-05-13 Visa U.S.A. Inc. Coupon bearing sponsor account transaction authorization
US10628842B2 (en) 2011-08-19 2020-04-21 Visa International Service Association Systems and methods to communicate offer options via messaging in real time with processing of payment transaction
US10223707B2 (en) 2011-08-19 2019-03-05 Visa International Service Association Systems and methods to communicate offer options via messaging in real time with processing of payment transaction
US11157943B2 (en) 2012-01-30 2021-10-26 Visa International Service Association Systems and methods to process payments based on payment deals
US10360578B2 (en) 2012-01-30 2019-07-23 Visa International Service Association Systems and methods to process payments based on payment deals
US10943231B2 (en) 2012-03-16 2021-03-09 Visa International Service Association Systems and methods to generate a receipt for a transaction
US9460436B2 (en) 2012-03-16 2016-10-04 Visa International Service Association Systems and methods to apply the benefit of offers via a transaction handler
US8880431B2 (en) 2012-03-16 2014-11-04 Visa International Service Association Systems and methods to generate a receipt for a transaction
US10078837B2 (en) 2012-03-16 2018-09-18 Visa International Service Association Systems and methods to generate a receipt for a transaction
US10339553B2 (en) 2012-03-16 2019-07-02 Visa International Service Association Systems and methods to apply the benefit of offers via a transaction handler
US9922338B2 (en) 2012-03-23 2018-03-20 Visa International Service Association Systems and methods to apply benefit of offers
US10733623B2 (en) 2012-03-23 2020-08-04 Visa International Service Association Systems and methods to apply benefit of offers
US10346839B2 (en) 2012-04-04 2019-07-09 Visa International Service Association Systems and methods to process transactions and offers via a gateway
US9495690B2 (en) 2012-04-04 2016-11-15 Visa International Service Association Systems and methods to process transactions and offers via a gateway
US9864988B2 (en) 2012-06-15 2018-01-09 Visa International Service Association Payment processing for qualified transaction items
US9626678B2 (en) 2012-08-01 2017-04-18 Visa International Service Association Systems and methods to enhance security in transactions
US10504118B2 (en) 2012-08-01 2019-12-10 Visa International Service Association Systems and methods to enhance security in transactions
US11037141B2 (en) 2012-08-10 2021-06-15 Visa International Service Association Systems and methods to apply values from stored value accounts to payment transactions
US10438199B2 (en) 2012-08-10 2019-10-08 Visa International Service Association Systems and methods to apply values from stored value accounts to payment transactions
US10685367B2 (en) 2012-11-05 2020-06-16 Visa International Service Association Systems and methods to provide offer benefits based on issuer identity
US9990646B2 (en) 2013-10-24 2018-06-05 Visa International Service Association Systems and methods to provide a user interface for redemption of loyalty rewards
US11328315B2 (en) 2013-10-24 2022-05-10 Visa International Service Association Systems and methods to provide a user interface for redemption of loyalty rewards
US11640621B2 (en) 2013-10-24 2023-05-02 Visa International Service Association Systems and methods to provide a user interface for redemption of loyalty rewards
US10909508B2 (en) 2013-11-11 2021-02-02 Visa International Service Association Systems and methods to facilitate the redemption of offer benefits in a form of third party statement credits
US10489754B2 (en) 2013-11-11 2019-11-26 Visa International Service Association Systems and methods to facilitate the redemption of offer benefits in a form of third party statement credits
US10540656B2 (en) 2014-03-13 2020-01-21 Visa International Service Association Communication protocols for processing an authorization request in a distributed computing system
US10275770B2 (en) 2014-03-13 2019-04-30 Visa International Service Association Communication protocols for processing an authorization request in a distributed computing system
US9672516B2 (en) 2014-03-13 2017-06-06 Visa International Service Association Communication protocols for processing an authorization request in a distributed computing system
US10354268B2 (en) 2014-05-15 2019-07-16 Visa International Service Association Systems and methods to organize and consolidate data for improved data storage and processing
US11640620B2 (en) 2014-05-15 2023-05-02 Visa International Service Association Systems and methods to organize and consolidate data for improved data storage and processing

Also Published As

Publication number Publication date
WO2009061019A1 (en) 2009-05-14

Similar Documents

Publication Publication Date Title
KR100836484B1 (en) Method of transacting bonus points and purchasing goods with combined various bonus points
JP5232074B2 (en) Electronic commerce method, recording medium recording program for causing online market server to perform electronic commerce method, and online market server
KR19990078767A (en) Method for Electronic Commerce for Purchasers
KR102175778B1 (en) Open market win-win operating system and method
WO2007124556A1 (en) Electronic system for coordinating contracts relating to property
US20030115114A1 (en) Method and system for transaction of goods
KR20060116430A (en) How to buy membership on the internet through escrow system
JP2001283004A (en) Method/system for selling and buying call option and put option, and storage medium with selling/buying program stored thereon
US20220215419A1 (en) Method and system for refunding a purchase
KR20010103406A (en) CM integrated processing system for publishing PM and for exchanging CM using PM as a go-between
KR20010000819A (en) E-Commerce method by online B2B purchasing card for direct channel management
KR100774261B1 (en) Compensable electronic commerce brokering system
KR102252937B1 (en) System for Discount Purchasing using Reverse Auction and Method thereof
KR19990078766A (en) Method for Electronic Commerce Capable of Multi-Shoping by One Membership
KR20000049387A (en) A method of management for the cyber stock
KR20010025313A (en) A system and method for auction of bond
KR20000058841A (en) management method of cosmetics shopping mall using internet
KR101241954B1 (en) System and method for supplying of real estate
KR20050082392A (en) Buy-information buying and selling to marketing system
KR101908912B1 (en) Export business platform system with B2B exclusive global trade support platform for switching trading volume service providing method using it
JP4419177B2 (en) Trading support device, trading support program
KR20010109007A (en) Method of car sale and purchase using internet and mobile phone
JP6807394B2 (en) Point exchange system and point exchange method
KR20010000954A (en) Apparatus and Method for electronic commerce and compensation with CtoC using internet
KR100626307B1 (en) Method for mediating transactions at a reduced price using a cyber salesman

Legal Events

Date Code Title Description
A201 Request for examination
A302 Request for accelerated examination
E902 Notification of reason for refusal
E701 Decision to grant or registration of patent right
GRNT Written decision to grant
FPAY Annual fee payment

Payment date: 20121204

Year of fee payment: 5

LAPS Lapse due to unpaid annual fee