KR100853907B1 - Credit card payment system and its method for discounting credit card charges using management of integrated credit card point - Google Patents

Abstract

A credit card payment system for discounting a payment amount of a user by managing card points of each user integrally and a method thereof are provided to discount the payment amount of the user with the card points by enabling a server to discount a card payment amount approved in a member shop, generate card payment of an original payment amount with a credit card of the server, and receive/manage the card points received from a card company. An approval request receiver(31) receives an approval by receiving card payment information of a user from a member shop terminal(2). A temporary approval determiner(32) receives a temporary approval by requesting the temporary approval to a card company server(4). A real-time discounter(33) discounts an original card payment amount of the user at a predetermined rate when the temporary approval is received. An approval transmitter(34) transmits an approval for the discounted amount to the member shop terminal. A server payment generator(35) generates card payment corresponding to the original payment amount with the member shop terminal by using a server credit card. A server approval receiver(36) receives the approval by requesting the approval to the card company server. A point accumulator(37) receives points for the card payment amount of the server credit card from the card company server and accumulates the received points.

Description

Credit card payment system and its method for discounting credit card charges using management of integrated credit card point}

The following drawings attached to this specification are illustrative of preferred embodiments of the present invention, and together with the detailed description of the invention to serve to further understand the technical spirit of the present invention, the present invention is a matter described in such drawings It should not be construed as limited to.

1 is a schematic configuration diagram of a credit card payment system according to the present invention.

2 is an internal structure diagram of an intermediate payment server according to an embodiment of the present invention.

3 is a flowchart illustrating a credit card payment method according to an embodiment of the present invention.

Explanation of symbols on the main parts of the drawings

1 System 2 Merchant Terminal

3: middle payment server 4: card company server

31: means for receiving approval request 32: means for determining approval

33: real time discount means 34: approval response means

35: server card payment means 36: server card approval means

37: points earning means 38: card billing means

39: card payment

The present invention is a credit card payment system and a credit card payment method that discounts the user's payment price by integrated management of individual card points, and more specifically, the user pre-discounts the payment price when paying the credit card at the merchant In addition, the present invention relates to a credit card payment system and a method for integrating and managing a user's credit card company points in return for a discount on a credit card company's approval by paying the merchant at the original price.

When a user pays with a card at an online or offline merchant, the payment information is sent to a corresponding card company and provided with a result of approval. The card company provides the remaining amount of the card payment authorized by the merchant at the settlement date, excluding the card fee. The card payment amount is charged to the user to receive the card payment amount and provide the user with a predetermined point proportional to the payment amount.

In credit card companies, when a user pays a card price, a part of the money is returned to a point. Points earned to users are set by a credit card company in a predetermined point criteria, and the points exceeding the criteria are provided in cash at the request of the user. For example, 2% of the card payment amount is provided to the user, and if it is 5,000 points or more, 1 point can be paid for 1 point and the cash can be returned. In addition, points earned once may only be recognized if used within a predetermined period (eg, five years) and may expire after the predetermined period.

In such an environment, when the user collects points by intensively using only the house credit card, the user can use the points usefully. However, the majority of users have a plurality of cards. Select a specific credit card to pay. If the credit card is used for intermittent payment, the accumulated points are virtually disappeared because there is almost no opportunity to reuse them. It is reported that the total number of dormant or extinguished card points is about trillion won. This is a problem that the rights of the user are violated because they are left without the opportunity to properly use the points corresponding to the assets of the user for credit card company's business policy or other reasons.

The present invention is to solve the above-described problems, the server pre-discounts the card use amount of the user authorized at the merchant. Instead, it aims to provide a credit card brokerage payment service for merchants by integrating and managing the server by generating a card payment of the original amount using its own credit card by receiving points from the card company.

According to the credit card payment system using the integrated management of individual card points of the present invention for achieving the above object, in the credit card payment system that discounts the card payment price of the user by integrated management of individual card points on the wired or wireless network Means for receiving an authorization request by receiving card payment information of a user from an affiliated store terminal; Means for transmitting a permission request to a card company server corresponding to the authorization request and receiving a permission result; Means for real-time discounting the user's original card use price at a predetermined discount rate if the approval result is successful; Means for responding to the affiliated store terminal an authorization result of the discounted card use amount of the user; Means for generating a card payment of an original card using a server-side credit card for the affiliated store; A means for requesting approval of the card payment of the original price paid to the card company server and receiving an approval result; And an intermediate payment server including means for earning points for the card use price of the server-side credit card from the card company server.

According to a preferred feature of the invention, the intermediate payment server, means for charging the user for the discounted card usage and payment of the billing; And means for receiving the original card usage price from the card company server and paying the billing price.

Furthermore, the system receives a request for on / offline payment using a credit card from a user, transmits a payment approval request to the intermediate payment server, and if the approval is successful, responds to an approval result of a card using a predetermined discount rate. Merchant terminal receiving the payment from the intermediate payment server in the original amount corresponding to the user's credit card payment; And receiving an authorization request for the user's card payment from the intermediate payment server, responding to the approval result, and corresponding to the original amount of the user's card payment (payment), the intermediate payment server is the payer of the original amount. It further comprises a card company server receiving payment request of the side credit card, and responds to the authorization result, deposits the card fee from the original amount to the merchant, and bills the card using the intermediate payment server. do.

On the other hand, according to the credit card payment method using the integrated management of individual card point of the present invention, in the credit card payment method of the intermediate payment server that discounts the card payment price of the user by integrated management of individual card points on the wired or wireless network, (S10 Receiving an authorization request by receiving the card payment information of the user from the merchant terminal; (S20) transmitting a approval request to a card company server corresponding to the approval request and receiving a approval result; (S30) if the result of the approval is successful, real time discounting the original card use price of the user at a predetermined discount rate; (S40) response to the authorization result of the discounted card use amount of the user to the merchant terminal; (S50) generating a card payment of the original card using the server-side credit card for the merchant; (S60) requesting an authorization of the card payment of the original payment to the card company server and receiving an approval result; And (S70) characterized in that it comprises the step of earning points for the card use price of the server-side credit card from the card company server.

In addition, the intermediate payment server, the step (S80) of claiming the discounted card use price and receiving the billing price for the user; And (S90) characterized in that it further comprises the step of claiming the original card usage payment from the card company server and paying the billing.

Hereinafter, with reference to the accompanying drawings looks at in detail a preferred configuration of the present invention.

<1. System Configuration>

1.1 System Overview

1 shows a schematic configuration of a credit card payment system 1 according to the present invention.

The credit card payment system 1 of the present invention transmits an authorization request for a user's credit card payment to receive an authorization result of a discounted use of a credit card. Intermediate payment server (3) that receives the authorization request and mediates the authorization process and, upon successful approval, discounts the user's original card payment and authorizes it, and issues the same merchant and the same amount (original amount) of the card payment with the server-side credit card And a card company server 4 which approves the authorization request for the user's card payment received from the intermediate payment server 3 and instead approves the card payment using the credit card of the intermediate payment server 3. . The affiliated store terminal 2, the intermediate payment server 3, and the card company server 4 communicate with each other via a wired or wireless network.

The credit card payment service provided by the credit card payment system 1 of the present invention, when the user's use of the card occurs, approves the discounted card use price, and instead the user's original card use payment is the intermediate payment server (3). Use your credit card to generate card payments. And the intermediate payment server (3) is to earn the reserves for the user's use of the card to provide a pre-discount service of the card use price to the user by using points accumulated integrally from the entire user.

The affiliated store terminal 2 is a terminal installed in the affiliated store and receives a card payment request from the user on / offline. The card payment request through online refers to a case where a user makes a card payment at an e-commerce site accessed through a wired / wireless network. In this case, the affiliated store terminal 2 may correspond to an e-commerce server. The merchant receives the card payment request and transmits the authorization request to the intermediary payment server 3, and upon successful approval, receives the approval of the discounted amount from the original card use price.

The intermediate payment server 3 accepts the user's card payment generated from the affiliated store terminal 2 and responds with the result. The authorization is made through the card company server 4, and if the authorization is successful, the authorization result of the discounted card use price is applied to the merchant terminal 2 by applying a predetermined discount rate to the original card use price. In the present invention, the user's credit card payment is processed as a provisional payment and instead, the credit card payment is generated using the credit card of the intermediate payment server 3 at the original amount before the discount.

When the credit card payment of the user occurs in the affiliated store terminal 2, the card company server 4 receives the approval request through the intermediary of the intermediate payment server 3 that receives the approval request from the affiliated store terminal 2. Here, "approved" means that the card company only approves the user's credit card payment. Therefore, the card company does not charge the user for the use of the card for the authorization. In the same way as the actual approval procedure, the approval request is examined and the corresponding approval result is returned to the intermediate payment server 3. When the approval is successful, the approval card receives an authorization request for the same merchant and the same use price from the intermediate payment server 3 using the credit card of the intermediate payment server 3. If the authorization result for this authorization request is successful, the intermediate payment server 3 becomes the actual payer for the user's card payment, and the card company charges the card payment to the intermediate payment server 3. And points earned for the card use price is also earned to the intermediate payment server (3) side, not the user.

For example, when the user pays 10,000 won with a credit card in the Internet shopping mall A, the shopping mall A transmits a 10,000 won card payment authorization request to the intermediate payment server 3. The intermediate payment server 3 transmits a request for approval of the card payment of 10,000 won to the card company server 4. The card company server 4 uses the user's credit card information to respond to the approval result after the examination. The intermediate payment server 3 transmits the approval result of 9900 won to the shopping mall A by applying a predetermined discount rate of 1% from the original card use price of 10,000 won when the approval result is successful, and the user confirms the approval result of 9,900 won. After that, the intermediary payment server 4 generates a credit card payment of 10,000 won for the shopping mall A using its credit card and transmits an authorization request to the card company server 4. The card company server 4 responds to the approval result after the approval, and when it is time to accumulate points, by applying a point earning rate of 2% to accumulate 200 points for the card use amount 10,000 won. Here, it is assumed that one point corresponds to one circle.

In the above-described example, the card company server 4 completes the settlement by depositing the remaining amount excluding the card fee from the credit card sales amount of 10,000 won of the shopping mall A corresponding to the affiliated store, when the settlement time of the merchant arrives. When the billing time of the member user arrives, the billing fee is charged to the intermediate payment server 3 and used for 10,000 won. Separately, the intermediate payment server 3 charges the user for a discounted use of the card 9,900 won since the billing time has arrived. In the above example, the intermediate payment server 3 discounts 100 won to the user at the price of 10,000 won and receives 200 points from the card company, so that 100 won remains. This is the profit model of the intermediate payment server 3 according to the present invention. to be.

Table 1 below illustrates the points that accumulate in the intermediate payment server 3 based on the revenue model as described above.

10,000 purchases for a book The amount a user pays with the interim payment server The amount that the interim payment server pays to the card company's server Points provided by card company servers to intermediate payment servers Cumulative Points of Interim Payment Server 1 time  9,900 won  10,000 won  200 points 100 points Episode 2 200 points 3rd time 300 points 4 times 400 points  ..... 100 times 9,900 won 10,000 won 200 points 10,000 points

In Table 1, when the user makes a credit card payment through the intermediate payment server 3, the user pays 9,900 won to receive a 1% discount (100 won). The middle payment server 3 generates a card payment of the actual card payment amount of 10,000 won to the card company server 4 and is provided with 200 points of reserves, where 100 won corresponding to 100 points for each purchase is provided to the user. And the remaining 100 points remain as profit. If it is assumed that the 101st purchase, the intermediary payment server (3) can pay 10,000 points when the credit card payment can leave the user's payment amount 9,900 won. Here, the line discount rate of 1% can be arbitrarily defined by the operator within the earned points, and if there is a difference in the point accumulation rate for each individual user, the discount rate may also be different. Accumulated points can be used for cash exchange based on the exchange rate promised to the card company server 4 or for the point settlement of the card bill.

1.2 Server Structure

2 shows an internal structure of an intermediate payment server 3 according to an embodiment of the present invention.

Intermediate payment server 3 according to an embodiment of the present invention determines the approval request receiving means 31 for receiving the approval request of the user credit card payment from the merchant terminal 2, the authorization request for the approval request of the merchant Approval means for determining 32, real-time discount means 33 for real-time discount of the original card use price upon successful approval, approval response means 34 for responding the approval result with the discounted card use price, user's card payment In response to the server card payment means 35 for generating a card payment with the credit card on the server 3 side, the server card approval means 36 for processing the authorization of the credit card payment on the server 3 side, and the server side credit card payment. It is configured to include a point earning means 37 for receiving points for the amount. The card bill payment means for billing and paying the card use price from the card billing means 38 and the card company server 4 for performing the billing management for the card payment for the user as an optional additional component to the above-described configuration. It further comprises 39.

When the user's credit card usage occurs on / offline, the authorization request receiving unit 31 receives an authorization request for the amount of the card usage from the affiliated store terminal 2 and transmits the user's card payment information to the user payment DB 310. ). The card payment information includes information such as payment date, merchant name, and card payment amount.

The approval approval means 32 transmits the user's payment information to the card company server 4 corresponding to the user's credit card, requests the approval, receives a result of the approval, and stores it in the user payment DB 310. Examination of the approval request has already been described that the card company server performs the same as the actual approval screening and does not process the user's actual card use.

The real-time discount means 32 calculates the discounted card use price from the user's original card use price based on a predetermined discount rate if the approval is successful. If the authorization is unsuccessful, information about the approval failure is transmitted to the affiliated store terminal 2.

The authorization response means 33 transmits the authorization result to the affiliated store terminal 2 with the real-time discounted card use price according to the success of the authorization. Thus, the user's card slip describes the discounted card use price. Meanwhile, according to the service policy, it is also possible to provide an approval result of the original card use price and to claim the discounted card use price at the time of subsequent charges. At this time, the card slip describes the original card price.

The server card payment means 35 generates a card payment in the same manner as the user's card usage information by using a credit card held by the company of the intermediate payment server 3 with respect to the use of the credit card of the authorized user. Therefore, it is required that the user's credit card and the server 3 side credit card are credit cards of the same card company. Furthermore, in the payer information, the user credit card number may be a credit card number on the server 3 side, and the card payment time may be the same as the time when the user pays, or may be the actual credit card payment time on the server 3 side. . It is also possible to notify the affiliated store of the occurrence of payment of the credit card on the server 3 side. The credit card payment information of the server 3 side is stored in the server payment DB 350 and a unique number is stored so that the corresponding user's credit card payment information can be referred to in the user payment DB 310.

The server card approval means 36 transmits the request for approval of the original card use price to the card company server 4 according to the occurrence of the payment of the credit card of the server 3, receives the response result, and stores it in the server payment DB 350. do. The result of this approval may also be notified to the merchant.

The point earning means 37 receives points from the card company by applying a predetermined point earning rate to the amount of use of the credit card payment by the server 3 when the point earning time arrives according to the card company policy. In fact, the points earned are collectively earned points for the entire monthly use of the server (3) credit card. Therefore, the integrated points for the entire use of the card of the individual user are added up and accumulated. In this case, the point accumulation rate of the user and the point accumulation rate of the server side may be different according to the card company policy. For example, the actual user receives a 2% point accumulation rate due to low credit rating, but the credit card held by the intermediate payment server 3 receives a 3% preferential point accumulation rate due to the high credit rating. When the preferential point accumulation rate is applied, it is obvious that the rate of return of the intermediate payment server 3 is increased.

The user's use of the credit card actually generates a credit card payment on the server 3 side, and the card company server 4 pays a predetermined card fee from the original card use price paid by the server 3 according to the promised settlement time with the merchant. The remaining amount, except for, shall be deposited into the designated merchant account.

The basic configuration of the credit card payment service provided by the present invention is made as above. The optional additional components are described below (indicated by the dashed lines in FIG. 2).

 When the promised billing time arrives, the card billing means 38 charges a discounted credit card usage fee according to the user's use of the credit card (for example, sending an online / offline monthly bill) and receives payment from the user.

When the promised billing time arrives, the card bill payment means 39 is charged from the card company server 4 for the total monthly bill of the original card bill (for example, receiving an on / offline monthly bill) and pays the bill. do.

On the other hand, there are a total of three ways of utilizing the points accumulated in the intermediate payment server (3). The first method is to exchange points for cash based on the exchange rate determined according to the policy of the card company server 4. The second method is to pay by points when the server card payment means 37 makes a credit card payment. The third method is to pay the points on the condition of deduction of points when the card payment means 39 pays the settlement price.

In addition, when the user wants to check his or her card payment information, the user can access the homepage built on the intermediate payment server 3 to search his / her discounted card usage price in real time. Similarly, when the merchant wants to check the card sales information, the card payment information can be inquired in real time by accessing the homepage of the interim payment server 3 or the homepage of the credit card company.

<2. How to Configure>

The credit card payment method using the integrated point management according to the present invention can be preferably realized through the construction of the above-described credit card payment system (1).

The operator of the present invention establishes a credit card payment system 1 including an intermediate payment server 3 to provide a credit card payment service of the present invention on a wired or wireless network. Users or merchants who are provided with the credit card payment service of the present invention may be required to join the intermediate payment server 3. Through the membership registration, the user makes an actual payment using the credit card of the server 3 at the time of paying his credit card and receives a pre-sale service from the intermediate payment server 3. In response, the intermediate payment server 3 receives the user's points instead. In addition, through membership registration, the affiliated store requests the approval of credit card payment through the mediation of the central payment server 3 and receives the approval result.

3 shows the entire procedure of the credit card payment method performed by the intermediate payment server 3 according to an embodiment of the present invention.

When the user makes a credit card payment on / off line, the affiliated store terminal 2 transmits the payment information to the intermediate payment server 3 to request authorization. The intermediate payment server 3 receives and stores an authorization request based on a user's use of a credit card.

When receiving the approval request, the intermediate payment server 3 transmits the approval request to the card company server 4 corresponding to the user's credit card and receives the approval result (S20). Here, the term "approved" has already been described. If the approval result is a failure, the approval result composed of a failure code and a message is transmitted to the affiliated store terminal 2.

If the approval result is successful, the user calculates the discounted card use price by applying a predetermined discount rate to the actual card use price paid by the affiliated store (S30).

The discounted card use price is provided to the affiliated store terminal 2 as a result of the approval (S40), and the user can confirm that the card use price is discounted from the amount actually paid through the card slip or the screen.

When the normal discount is completed, the intermediate payment server 3 generates a credit card payment to the same affiliated store as the original payment price before the discount and stores the payment information (S50). Here, the credit card that generates the payment is a credit card of the same company as the user's credit card company and is owned by the intermediate payment server 3. In other words, if the user's card payment is approved after approval, the server 3 generates a payment for the same affiliated store and the card using the credit card using the credit card.

When the payment of the credit card of the server 3 side occurs, the authorization request is transmitted to the card company server 4 and the response is received (S60). Here, the steps 30 and 40 may be executed on the condition of the successful approval of the credit card payment on the server 3 side according to the service policy of the operator. For example, if a user makes a credit card payment to a merchant, approval is performed, and if the approval is successful, the actual payment using the credit card of the server 3 occurs, and if the approval result is successful, the user's card is used. The price will be discounted and approved. Of course, if the approval result is successful and the authorization result of the server 3 credit card payment is unsuccessful, the user is provided with the authorization result of the authorization failure. Preferably, the approval result of the credit card payment on the server 3 side may be provided to the affiliated store terminal 2.

If the result of authorization of the credit card payment on the server 3 side is successful, the points are credited to the credit card on the server 3 because the actual payment was made by the user's card payment but the actual payment was made by the credit card on the server 3 side ( S70). This is a condition that the user gives up the use of his card and earn points on the condition that the user is provided with the pre-paid service from the intermediate payment server 3 and provides it to the server 3 side. Points earned from the credit card company server (4) can be used as cash in the same manner as the three methods described above and the point earning time has already been described that this is a profit model of the present invention.

Through the above process, the credit card settlement service of the present invention is performed, and as an additional performance procedure, the following payment / billing / payment of the card settlement price is performed (indicated by a dotted line in FIG. 3).

First, when the settlement period of the credit card settlement price of the server 3 side arrives according to the contract with the affiliated store, the card company server 4 has the remaining amount excluding the predetermined card fee from the card use price (original price before discount) for each payment case. To deposit to a predetermined merchant account (S80). When the user's payment time arrives, the intermediate payment server 3 sends a monthly bill of on / offline to the user to charge and receive the discounted total card use price (S81).

Similarly, when the payment time of the interim payment server 3 arrives, the card company server 4 sends an on / offline monthly bill to the server 3 to charge the total sum of the original card charges before the discount and receive the payment. (S90).

As described above, an embodiment of a credit card payment system and a credit card payment method for consolidating and managing individual card points according to the present invention to discount the user's payment price are configured. Although the present invention has been described by way of limited embodiments and drawings, the present invention is not limited thereto, and the technical spirit of the present invention and the claims to be described below by those skilled in the art to which the present invention pertains. Of course, various modifications and variations are possible within the scope of equivalents.

The credit card payment system and the credit card payment method according to the present invention provides a real-time discount on the credit card payment for the user's credit card payment. The user's card payment is processed by the card company's server, and in response to the payment, the server generates a real payment with a credit card to earn points by earning points on behalf of the user. The accumulated points are then cashed and used again to discount the user's card bill.

Claims (13)

In the credit card payment system that integrates and manages individual card points on wired and wireless networks to reduce the user's card payment price, Means for receiving an authorization request by receiving card payment information of a user from an affiliated store terminal; Means for transmitting a permission request to a card company server corresponding to the authorization request and receiving a permission result; Means for real-time discounting the user's original card use price at a predetermined discount rate if the approval result is successful; Means for responding to the affiliated store terminal an authorization result of the discounted card use amount of the user; Means for generating a card payment of an original card using a server-side credit card for the affiliated store; A means for requesting approval of the card payment of the original price paid to the card company server and receiving an approval result; And Means for earning points for the card use price of the server credit card from the card company server Credit card payment system using the integrated management of individual card points, characterized in that it comprises an intermediate payment server comprising a. The method of claim 1, The intermediate payment server, Means for charging the user for a discounted card usage fee and receiving a billing charge; And Means for receiving the original card payment from the card company server and paying the bill Credit card payment system characterized in that it further comprises. The method of claim 1, The system, The user receives a request for online / offline payment using a credit card, sends a payment authorization request to the intermediate payment server, and if the approval is successful, responds to the result of authorization of the card using a predetermined discount rate, and receives the user's credit card payment. Merchant terminal receiving the payment from the intermediate payment server in the original amount corresponding to; And Receive the approval request for the user's card payment from the intermediate payment server, and responds to the approval result, the server side of the original amount of the intermediate payment server is the payer in response to the original amount of the card payment (payment) of the user Card company server that receives payment request of credit card and responds to the result of authorization, deposits limited card fee from original amount to merchant, and charges card payment to intermediate payment server Credit card payment system characterized in that it further comprises. The method of claim 1, The predetermined discount rate applied to the user's card use amount is less than a predetermined point accumulation rate provided by the credit card company for the user's card use price. The method of claim 4, wherein The discount rate is, Credit card payment system, characterized in that can be applied differently for each individual according to the difference in the point accumulation rate for each individual. The method according to claim 1 or 2, The intermediate payment server, If the approval result of the user's credit card payment is successful, the server makes a real payment with the credit card. If the result of the authorization is successful, the user's credit card payment is discounted. Credit card payment system, characterized in that provided to the user to send to the merchant terminal. The method according to claim 1 or 2, The intermediate payment server, Using the accumulated points to send a cash exchange request to the card company server according to a predetermined exchange rate; A function of making a point payment of a card use price using accumulated points; And Pay your card bill using accumulated points Credit card payment system, characterized in that performing at least one or more of the functions. In the credit card payment method of the intermediate payment server that integrates and manages individual card points on the wired and wireless network to reduce the user's card payment price, (S10) receiving an authorization request by receiving the card payment information of the user from the merchant terminal; (S20) transmitting a approval request to a card company server corresponding to the approval request and receiving a approval result; (S30) if the result of the approval is successful, real time discounting the original card use price of the user at a predetermined discount rate; (S40) response to the authorization result of the discounted card use amount of the user to the merchant terminal; (S50) generating a card payment of the original card use price with a server-side credit card for the affiliated store; (S60) requesting an authorization of the card payment of the original payment to the card company server and receiving an approval result; And (S70) step of earning points for the card use price of the server credit card from the card company server Credit card payment method using the integrated management of individual card points, characterized in that it comprises a. The method of claim 8, The intermediate payment server, (S80) billing the user using a discounted card usage fee and receiving the billing price; And (S90) receiving the original card payment from the card company server and paying the billing price Credit card payment method characterized in that it further comprises. The method of claim 8, The predetermined discount rate applied to the user's card use amount is less than a predetermined point accumulation rate provided by the credit card company for the user's card use price. The method of claim 8 or 10, The discount rate is, Credit card payment method, characterized in that can be applied differently for each individual according to the difference in the point accumulation rate for each individual. The method of claim 8, The intermediate payment server, If the approval result of the user's credit card payment is successful, the server makes a real payment with the credit card. If the result of the authorization is successful, the user's credit card payment is discounted. Credit card payment method characterized in that the transmission to the merchant terminal provided to the user. The method of claim 8, The intermediate payment server, Using the accumulated points to send a cash exchange request to the card company server according to a predetermined exchange rate; A function of making a point payment of a card use price using accumulated points; And Pay your card bill using accumulated points Credit card payment method characterized in that performing at least one or more of the functions.

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