KR100840347B1 - Credit card service system using accumulated points and method therefor - Google Patents

Abstract

The present invention pays a part of the product purchase price when the product is purchased offline by using the save point that can be used in advance, and the save point used when purchasing the product is repaid using credit points accumulated according to future use of the credit card. Provides a service system and method. The credit card service system is a save point service management unit for registering and managing a save point member, and registers as a credit card member of the credit card providing the save point service and manages the earned points according to member sales confirmation and member sales. Credit card service management unit, merchant registration and management unit for managing merchants that provide products that can be purchased using the save point, and a central processing unit for repaying the save point using the credit points for using the credit card do.

Credit Cards, Earn Points, Credit Card Services, Merchants, Affiliates, Partner Points

Description

CREDIT CARD SERVICE SYSTEM USING ACCUMULATED POINTS AND METHOD THEREFOR}

1 is a block diagram showing a credit card service system using earned points according to an embodiment of the present invention.

2 is a block diagram illustrating a save point service manager according to an exemplary embodiment of the present invention.

Figure 3 is a block diagram showing a credit card member management unit according to an embodiment of the present invention.

Figure 4 is a block diagram showing a merchant registration and management unit according to an embodiment of the present invention.

5 is a block diagram illustrating an affiliated point service manager according to an exemplary embodiment of the present invention.

6 is a flowchart illustrating a credit card service providing method using earned points according to an embodiment of the present invention.

7 is a flowchart illustrating a repayment method of a save point according to an embodiment of the present invention.

<Description of the symbols for the main parts of the drawings>

100: central processing unit 200: save point service management unit

300: credit card service management unit 400: merchant registration and management unit

500: affiliate point service management unit 210, 310: input unit

220, 330: member register 230: save point selector

240: save point storage unit 250, 360: member termination unit

320: examination unit 340: member sales confirmation unit

350: Earn points calculation and storage

410: merchant registration unit 420: save point use approval unit

430: save point payment unit 440: merchant termination unit

510: affiliate point register 520: affiliate point register

530: termination of partnership points

The present invention relates to a credit card service system and a method using the credit points earned according to the use of the credit card, more specifically, a certain that can be used as part of the purchase price to the credit card member when purchasing goods offline (offline) Points (hereinafter, referred to as save points) that are used, and the save points used, relates to a credit card service providing system and method for repaying credit card members for a certain period of time using credit points generated when using a credit card.

In general, the use of credit cards has become commonplace because credit cards are easier to store, use and manage than cash. Credit card companies are implementing points or mileage schemes to attract customers more actively and to activate their purchases.

For example, credit card companies earn a percentage of points for their sales. When the accumulated points reach a predetermined standard, the purchase of the customer is activated by making the points available for purchase of services or products provided by a credit card service company.

As such, the earned points earned according to the customer's usage results may be notified by the credit card company through e-mail, etc., but it is inconvenient to check whether the customer periodically reaches a certain standard.

In addition, the earned points are managed separately for each earning point management operators, such as credit card companies, even if the credit card serviced by the same credit card company is managed differently depending on the type of credit card. Therefore, when the customer uses the earned points, not only the choice is narrow, but also when the earned point does not reach for a predetermined time determined by the earned point management operator, there may be a problem that the earned points disappear and cannot be used by the customer. .

Accordingly, the present invention is to solve the above-described problems, and provides a point that can be used (hereinafter, save points), the credit points that are redeemed using the points earned in accordance with credit card use in the future Provides a service system and method.

According to a feature of the present invention for achieving the above object, the credit card service system using the earning point, (a) save points,-points that can be pre-available, to register the customer requesting use as a save point member and Means for storing and managing save points used by a member of the save point when purchasing a product; (b) means for registering the customer as a credit card member, checking credit card sales used by the credit card member to calculate credit card credit points, and storing the calculated credit points; (c) means for registering a company that can purchase a product using the save point as an affiliated store, and paying the save point used by the save point member when purchasing a product at an affiliated store to an affiliated store; And (d) means for identifying credit card credit points stored in said means (c) and redeeming save points stored in said means (a) using stored credit card credit points.

According to a feature of the present invention, a method for providing a credit card service system using the earned points comprises the steps of: (a) a customer applies for the use of save points,-points that can be used in advance-when purchasing a product; (b) determining whether the customer satisfies a predetermined condition for using the save point, wherein the predetermined condition is a member of a credit card that provides a save point service; (c) registering as a save point member if the predetermined condition is satisfied; (d) selecting save points provided according to types of goods and requesting use of save points; (e) confirming whether the save point member used the credit card when purchasing a product and approving the use of the save point; And (f) making a product purchase using the save point and releasing the corresponding product.

The present invention provides a credit card member with a predetermined point (hereinafter referred to as a save point) that can be used as part of a purchase price when purchasing a product offline, and save points used when purchasing a product are accumulated according to future use of a credit card. Provides a credit card service system and method for repaying for a period of time using the earned points.

Hereinafter, a credit card service system using a earning point and a method thereof according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram showing a credit card service system using a save point according to an embodiment of the present invention.

Referring to FIG. 1, the credit card service system 10 according to the present invention includes a central processing unit 100, a save point service management unit 200, a credit card service management unit 300, a merchant registration and management unit 400, and affiliation. Point service management unit 500 is included.

The save point service management unit 200, when a customer who wants to purchase a product offline at a member store applies for a save point member to use the save point, inputs relevant information of the customer and satisfies a predetermined condition, and makes the customer a save point member. Register. The predetermined condition according to the present invention means a credit card member (hereinafter referred to as a credit card member) providing a save point service according to the present invention. In addition, the affiliated store according to the present invention refers to a company that provides a product that can be purchased offline using the save point, in one embodiment of the present invention can use the save point when purchasing a car. The save point service manager 200 requests the central processing unit 100 whether the customer is a credit card member. In this regard, the central processing unit 100 searches the credit card member list (not shown) stored in the credit card service management unit 300 and transmits to the save point service management unit 200 whether the customer is a credit card member. If the customer is not a credit card member, the customer is denied savepoint membership registration.

The credit card service management unit 300 performs credit card member registration and credit card issuing by examining the creditworthiness of the customer. In addition, the credit card service management unit 300 checks the sales of the credit card member, and when the payment is normally made according to the sales, calculates and stores the earned points according to the sales. The earned points are calculated as a percentage of the card use price.

When a customer is registered as a savepoint member, the savepoint member selects a predetermined savepoint provided by the credit card company. Save points may be provided in various points depending on the type of goods that can be purchased offline. For example, when a product that can be purchased offline using the save point is a car, the save point may be provided at various points according to the price, type, displacement, and the like of the car. When the save point member selects the save point, the information of the save point selected by the save point member is stored in the save point storage unit allocated to the save point service manager 200.

The affiliated store registration and management unit 400 stores a list of products available for use of the save point at the affiliate store, and performs tasks such as approval of use of the save point at the affiliate store. Approval and payment of the use of the save point according to the present invention is carried out directly without the approval and payment agency between the credit card company and the merchant. In addition, the affiliated store registration and management unit 400 checks with the credit card service management unit 300 whether the product purchase was made with a credit card providing a save point service. When the product purchase is confirmed by the credit card, the affiliated store registration and management unit 400 directly pays the amount of the product corresponding to the save point used by the member to the affiliate store and stores the use point of the save point.

The affiliate point service manager 500 stores and manages a list of affiliate points of affiliates who share points with a credit card company. The affiliate point service manager 500 checks whether an affiliate point is generated from an affiliate company through a communication network or the like, and when the affiliate point occurs, receives and stores relevant affiliate point related information. In addition, the affiliate point service manager 500 may convert the affiliate point into a save point using a preset point conversion table.

The central processing unit 100 periodically checks, for example, the accumulated points stored in the credit card service manager 200 and the affiliated points stored in the affiliate point service manager 500 at the end of each month. If there is a stored earned point or affiliate point, the central processing unit 100 transmits the related information of the stored earned point or affiliate point to the save point service manager 200. The save point service manager 200 redeems the save point by using the transferred accumulated point or affiliate point related information, and stores the remaining save point again.

2 is a block diagram illustrating a save point service manager 200.

Referring to FIG. 2, the save point service manager 200 includes an input unit 210, a member registerer 220, a save point selector 230, a point storage unit 240, and a member termination unit 250.

The input unit 210 receives the relevant information of the customer who applied for the save point member and transmits it to the central processing unit 100. The central processing unit 100 searches the credit card member list in the credit card service manager 300 to determine whether the customer is a member of the credit card that provides the save point service. When the customer is determined to be the credit card member in the determination result, the member register 220 registers the customer in the save point member list. Thereafter, the save point member selects the save point corresponding to the product that the customer wants to purchase from among the save points provided by the credit card company according to the type of the product through the point selector 230. The selected save point is stored in the save point storage unit 240. When the membership cancellation unit 250 loses the membership of the save point or requests for membership cancellation, the member cancellation unit 250 terminates the customer from the save point member by deleting member related information from the save point member list of the member register 220.

3 is a block diagram illustrating a credit card member manager 300.

Referring to FIG. 3, the credit card member management unit 300 includes an input unit 310, a review unit 320, a member register unit 330, a member sales check unit 340, a credit point calculation and storage unit 350, and a member termination. A portion 360 is included.

The input unit 310 receives the related information of the customer who applied for the credit card member and transmits it to the judging unit 320. Receiving the customer-related information, the judging unit 320 determines whether the customer is eligible for the credit card member by applying the criteria such as the customer's credit rating. As a result of the examination, when the customer satisfies the card member registration condition, the member registrar 330 approves issuing the card to the customer and registers the related information of the customer in the credit card member list.

The member sales checking unit 340 periodically checks and stores the sales of the credit card member. In addition, the member sales checker 340 checks whether the payment of the credit card member is properly paid according to the sales. When the credit card member's use price is normally paid, the earning point calculation and storage unit 350 calculates and stores the earning point for the use price. If the card member's use price is not normally paid, the member sales confirmation unit 340 stores the overdue details of the unpaid use price.

When the membership cancellation unit 360 loses the membership of the credit card or the member requests the termination of the credit card member, the member cancellation unit 360 deletes the member related information registered in the card member list of the member registration unit 330 and the customer's credit card member Terminate registration.

4 is a block diagram illustrating an affiliated store registration and management unit 400 according to the present invention.

Referring to FIG. 4, the affiliated store registration and management unit 400 includes an affiliated store registration unit 410, a save point use approval unit 420, a save point payment unit 430, and an affiliate store termination unit 440. The merchant registration unit 410 selects a company that can provide a credit card service according to the present invention and registers as a merchant. In addition, the merchant registration unit 410 registers the target products of the credit card service according to the present invention from among the products provided by the merchant. The save point use approval unit 420 checks whether the customer is a save point member in the save point service manager 200 through the central processing unit 110 when the customer requests the use of the save point when purchasing a product offline at the affiliate store. If the customer is a save point member, the save point use approval unit 420 approves the use of the save point to the affiliated store.

The save point payment unit 430 confirms the save point used by the save point member when purchasing the product offline at the affiliate store to the save point service manager 150 through the central processing unit 110. In addition, the save point payment unit 430 checks with the credit card service management unit 300 whether the save point member used a credit card that provides a save point service when purchasing a product. When the use of the save point and the use of the corresponding credit card is confirmed, the affiliated store registration and management unit 400 pays the save point used by the member to the affiliate store and stores the save point use history.

If the merchant termination unit 440 loses the merchant contract, such as the expiration of the contract between the credit card company and the merchant, the merchant registration unit 410 terminates the registration of the merchant and the product provided by the merchant.

5 is a block diagram illustrating an alliance point service manager 500 according to the present invention.

Referring to FIG. 5, the affiliated point service manager 500 includes an affiliated point register 510, an affiliated point storage 520, and an affiliated point canceling unit 530. The affiliate point registration unit 510 registers and manages a contracted partner so that points can be shared and used with a credit card company. The affiliate point storage unit 520 stores points generated from affiliates who share the use of points. The affiliated points stored in the affiliated point storage unit 520 may be used when redeeming the save points. In addition, the affiliated points may be converted into corresponding credit card credit points using a preset point conversion table and stored in the affiliated point storage unit 520. The affiliate point canceling unit 730 terminates the affiliate registration when the contract with the affiliate is lost, such as the expiration of a point sharing contract between the credit card company and the affiliate.

6 is a flowchart illustrating a credit card service providing method using earned points according to an embodiment of the present invention.

Hereinafter, a credit card service method according to the present invention will be described with reference to FIGS. 1 to 6.

When a customer requests a product purchase from a member of a credit card company (step 600), the member stores the customer as to whether or not to use a save point provided by the credit card company. If the customer wants to use the save point, a save point use application provided by the credit card company or the affiliated store is filled out to apply for the use of the save point to the credit card company (step 610).

The save point service manager 200 receiving the customer's request for using the save point requests the central processing unit 100 to determine whether the customer is a credit card member providing the save point service (step 620). The central processing unit 100 searches the card member list in the credit card service management unit 300 and notifies the save point service management unit 200 whether the corresponding credit card member exists. If the member is not a credit card member, the customer must apply for the credit card to the credit card company to register as a save point member and become the credit card member (step 622). The credit card service management unit 300 having received the credit card application is applied to examine whether the customer is subject to credit card issuance by applying a criterion such as the credit level of the customer (step 624). After verifying that the credit card member is registered as a credit card member in the credit card issuing examination (step 626), if the customer is registered as a credit card member, the customer's related information is stored in the save point service manager 200 as a save point member. Register (step 630). On the other hand, if the screening card is not issued, the customer may not be registered as a save point member (step 628).

When a customer is registered as a savepoint member, the customer selects a savepoint corresponding to the product that the customer wants to purchase from among the plurality of savepoints provided by the credit card company, and the merchant credits the approval for using the savepoint to purchase the product. Ask the card company (step 640). Upon receiving the request for the use of the save point, the central processing unit 100 searches the affiliate point service management unit 500 and searches whether there is an affiliate point associated with the customer in the affiliate point of the affiliate who uses the shared point (step 650). If there is an affiliate point, it is determined whether to redeem the save point using the affiliate point (step 660). When the credit card member and save point member registration is completed, the merchant requests the credit card company to use the save point according to the customer's purchase of the product (step 670). The credit card company, which is requested to use the save point, confirms the save point selected by the save point member to the save point service management unit 200 and approves the use of the save point through the affiliate store registration and management unit 400 (step 670).

Subsequently, the merchant registration and management unit 400 checks with the credit card service management unit 300 whether the customer made a payment using a corresponding credit card when purchasing a product, and when a product purchase is made with the corresponding credit card, the merchant registration and management unit ( In operation 400, the merchant pays the amount of the product corresponding to the save point used to purchase the product, to the affiliate store. Thereafter, when payment according to the product purchase is completed, the product is delivered to the customer (step 690).

According to the present invention, credit card members may use the credit card to save the points for which the credit points are generated. It can be earned for use after completion. In addition, according to a product using a save point, a credit limit of a customer may be temporarily raised for a corresponding credit card. If the credit card is a family card, save points may be redeemed using the accumulated points generated from the family card through a predetermined consent process of the card member.

7 is a flowchart illustrating a repayment method of a save point according to the present invention.

Referring to FIG. 7, when the sales of the card members are determined in the member sales confirmation unit 340 of the credit card service management unit 300 (step 700), the earning point calculation and storage unit 360 calculates the earned points according to the sales. Calculate and store the calculated earned points (step 710). The central processing unit 100 searches the affiliate point storage unit 520 of the affiliate point service manager 500 to confirm the affiliate point (step 720), and redeems the save point using the accumulated points and the affiliate point (step 730). ). Thereafter, the central processing unit 100 searches the point storage unit 230 of the save point service management unit 200 to determine whether the save point repayment is completed (step 740). If there is no save point stored in the point storage unit 230, the central processing unit 100 determines that repayment of the save point is completed, and the save point registration unit 200 terminates the customer from the save point member (step 780).

On the other hand, if the remaining save points remain as a result of the search of the point storage unit 230, the central processing unit 100 is to determine the loss of membership by searching the contract details of the members of the save point service management unit 200. (Step 750). If a member loses his / her eligibility, for example, if he / she has exceeded a predetermined period for redeeming the save points, no late payment of credit card for 2 months or more, or no credit points for card use for 6 months or more, If a request is made for reimbursement of the save points, or if the customer requests to cancel the save points, the remaining save points are charged to the member next month (step 760). Thereafter, it is checked whether the remaining save points have been repaid (step 770). If the repayment of the save points is not completed, a late fee is added and charged again as in the case of using the card (step 772). When the redemption of the remaining save points is completed, the member canceling unit 240 of the save point service management unit 200 terminates the customer from the save point member (step 780).

It is to be understood that the above described embodiments are merely illustrative of some of the various embodiments employing the principles of the present invention. It will be apparent to those skilled in the art that various modifications may be made without departing from the spirit of the invention.

Credit card service according to the present invention when a customer purchases a product offline using the corresponding credit card to pay a portion of the product amount using pre-available save points, the save points used will be credited according to future credit card use Because you earn points, you can use the points earned effectively as well as reduce the burden of purchasing your products.

In addition, according to the present invention, it is possible to redeem the save point using the customer-related alliance point, so that the customer can easily and effectively use the points generated by using the service of the affiliated company.

Claims (15)

delete In the credit card service system using the points earned, (a) means for registering a customer who wants to use the save point when purchasing a product offline as a save point member, and storing and managing information of the save point used by the save point member for purchasing the product; (b) means for registering the customer as a credit card member, calculating credit points according to credit card sales used by the credit card member, and storing the calculated credit points; (c) means for registering a company that can purchase a product using the save point as an affiliated store, and paying the save point used by the save point member when purchasing a product at an affiliated store to an affiliated store; (d) means for identifying the credit card credit points stored in the means (b) and repaying the save points used by the save point member with reference to the information of the save points stored in the means (a) as stored credit card credit points; And (e) credits using the earning points, comprising means for registering affiliates that can share and use the earned points and means for storing the affiliated points provided by the affiliates, and storing and managing the affiliated points generated from the affiliated companies; Card service system. delete delete delete delete delete The method of claim 2, The means (e), An affiliate point register for registering and managing affiliates sharing point usage; An affiliate point storage unit for storing affiliate points generated from the affiliates; And Termination of a point-sharing agreement between a credit card company and an affiliate Credit card service system using earned points, characterized in that it comprises. The method of claim 8, The means (d) periodically checks the affiliated points stored in the means (e), and redeems the saved points stored in the means (a) to the stored affiliated save points, credit card service using the earned points system. delete delete delete delete delete delete

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