KR101217716B1 - Method and system for using and settling the purchased money by uniting cards and milages - Google Patents

Abstract

The present invention relates to a method and a system for integrating / using various cards and mileages, and various types of credit cards, check cards, debit cards, etc., and various benefits such as the generation of mileage points. As the number of cards owned and used per person increases, the use of various cards is more beneficial than the use of only one card continuously, so the necessity of controlling the usage of various cards has emerged. It is difficult for an individual to control the actual card use. The present invention issues an integrated card and stores the use ratio / use amount of the card as well as the mileage accumulation rate, use ratio, etc. in the integrated card so that an individual can access and change it at any time so that the use of various proprietary cards can be controlled. do.

Description

METHOD AND SYSTEM FOR USING AND SETTLING THE PURCHASED MONEY BY UNITING CARDS AND MILAGES}

The present invention relates to a method for integrating and using points / miles of various cards such as a mileage card, a gas card, a mobile carrier card, and the like.

Points according to purchase amount / distance records to secure customers and provide services to department stores, credit card companies, large discount stores, family restaurants, mobile operators, securities companies, gas stations, airlines, theaters, large and small shopping malls, etc. It provides mileage (hereinafter referred to as mileage) and provides it for use.

These mileages are especially issued in the online environment and are often used as cash, which is a form of cyber money. These mileages are not operated in an integrated manner, but are managed individually by each company such as department stores and credit card companies. No matter how much mileage was accumulated by one company, which could only be used by that company, the use of the mileage was limited.

In addition, it is often difficult to use the mileage as a general payment method in place of cash because the mileage is often used only by the corresponding company.

Therefore, consumers often choose cards issued by the companies that use them, and use only those cards to accumulate the mileage associated with the card, and use the service, but there are many companies that issue mileage and various services accordingly. As a result, it often confuses consumers who accumulate and use mileage.

Therefore, the present invention has been made to solve the above problems, it is possible to adjust the amount of use of each card when using the card, to accumulate the mileage according to the use of each card, when a separate mileage occurs It provides a method and system that allows you to adjust the amount of mileage earned and earn and control the use of each mileage credit card.

In order to achieve the object as described above, as a method of using / paying a combination of various cards and mileage,

Providing an integrated card, wherein the integrated card includes at least one of a credit card, a check card, and a debit card, the details of which are stored in a relay server; Transmitting the card number of the integrated card to a relay server by using the integrated card in a payment terminal; Referring to the actual payment card list including at least one of a credit card, a check card, and a debit card stored in the relay server using the integrated card number as an index; Requesting approval of payment to each credit card / debit card / debit card company according to the actual payment card details; transmitting the approval result to the relay server; The relay server collecting the approval result and transmitting the collected result to the terminal; It may include.

The actual payment card list of the relay server may further include any one of a list of used cards and a payment amount / payment ratio according to the use card, and the payment amount may be divided according to the payment amount / payment ratio to request payment approval.

The transmitting of the approval result to the relay server may further include transmitting a mileage generation amount of each company according to the approval result to the relay server.

In addition, as a method of using / paying by integrating various cards and miles,

Providing an integrated card, the integrated card includes any one or more card number of credit card / check card / debit card / mileage earning card and the details are stored in the relay server, providing the integrated card and ; Transmitting the card number of the integrated card to a relay server by using the integrated card at a payment terminal, and inputting the mileage generated with the use of the integrated card to the relay server; Referring to an actual mileage earning list including any one or more of a credit card, a check card, a debit card, and a mileage earning card stored in the relay server using the integrated card number as an index; respectively according to the actual mileage earning history; Requesting approval of mileage accumulation to a credit card / debit card / debit card company of the; transmitting the approval result to the relay server; The relay server collecting the approval result and transmitting the collected result to the terminal; It may include.

The actual mileage accumulation list of the relay server further includes any one of a list of used cards and a payment amount / payment ratio according to each mileage accumulation card, and the total accumulated mileage is subdivided according to the payment amount / payment rate and approved for mileage accumulation. It may be to request.

In addition, as a method of using / paying various cards and mileage integrated, providing a combined card, the integrated card includes any one or more of the card number of credit card / check card / debit card / mileage credit card Providing the integrated card, the details being stored in the relay server; Transmitting the card number of the integrated card to a relay server by using the integrated card in a payment terminal, inputting the mileage to be used together with the use of the integrated card, and transmitting it to the relay server; Referring to an actual mileage usage list including at least one of a credit card, a check card, a debit card, and a mileage credit card stored in the relay server using the integrated card number as an index; Requesting approval of mileage accumulation from each credit card / debit card / debit card company according to the actual mileage usage history; Transmitting the approval result to the relay server; The relay server collecting the approval result and transmitting the collected result to the terminal; It may include.

The actual mileage accumulation list of the relay server further includes any one of a list of used cards and a payment amount / payment ratio according to each mileage accumulation card, and the entire accumulated mileage is divided according to the payment amount / payment rate to approve mileage accumulation. You can request

The transmitting to the relay server may include: the integrated card being used in a shopping mall, wherein the user of the shopping mall purchases a pre-purchase right of a predetermined amount;

Examining whether the user of the shopping mall has a pre-purchase right previously purchased and asking the user to use the pre-purchase right;

Making a payment by including the amount of money written in the pre-purchase right and the amount of payment of the pre-purchase right previously purchased in the payment amount of the user;

The method may further include comparing whether the sum of the purchase amount of the pre-purchase right and the payment amount paid by the user in addition to the purchase and use of the pre-purchase right in this purchase satisfies the conditions of the private bank company.

In the payment including the payment amount of the user, the pre-purchase right is paid in advance, the purchase is applied to the product to be purchased, the total purchase amount is calculated by the amount of the pre-purchase right has a service according to the total purchase amount Providing the service if any; If the total purchase amount exceeds the upper limit specified for providing the service, the pre-purchase amount settled above the total purchase amount is further re-accumulated in the form of reserves / mileage / cyber money. can do.

 In the payment of the user including the payment price, the pre-purchase right is prepaid, purchased, and applied to the product to be purchased. Providing the service if any; If the total purchase amount exceeds the upper limit specified for providing the service, the pre-purchase amount settled in excess of the total purchase amount may be further re-accumulated in the form of reserves / mileage / cyber money. have.

In the payment including the payment amount of the user, the pre-purchase right is paid in advance, the purchase is applied to the product to be purchased, the total purchase amount is calculated by the amount of the pre-purchase right has a service according to the total purchase amount In the case of providing the service;

If the total purchase amount exceeds the upper limit specified for providing the service, the amount paid to match the total purchase amount of the pre-purchase right payment amount is paid to the person who supplied the goods to the user and exceeds the total purchase amount. The payment amount may further include a step of paying a predetermined ratio to a shopping mall / a personal shop that supplies goods to the user in the shopping mall.

 The purchasing of the pre-purchase right may be to purchase using the "mileage / point" accumulated by the user.

The purchasing of the pre-purchase right may include a step in which a user of the shopping mall expresses a purchase intention and a third party pays for the pre-purchase right.

For the third party paying the pre-purchase right, the user may contract online to replace the cost by providing a counterpayment to the third party.

The reimbursement is for the user to view advertisement content provided by the third party by the user provided online by the third party, to receive advertisement mail provided by the third party, and to provide a service to the third party. Signing up, posting the content provided by the third party on the user's site for the term of the contract, posting the content produced by the user on the user's site for the term of the contract, and the like. have.

 The pre-purchase right can be used simultaneously in association with several shopping malls, and may further include the step of showing another product that can be simultaneously delivered among the associated shopping mall stores in the delivery after payment of the pre-purchase right.

In addition, as a system for integrating and using various cards and miles,

A relay server, comprising: a relay server, including a card usage history / mileage accrual history / mileage usage history list according to the use of a card / mileage, and a card use terminal, mileage accumulation, and use terminal; A company server connected to the relay server through a network, the company server including a member DB and a mileage DB for approving the payment request from the relay server and approving the mileage accumulation / use; A user terminal connected to the relay server through a network to modify a card usage history / mileage accrual history / mileage history list; It may include.

By controlling the usage of the card by the method and system as described above, it is possible to control the accumulation of mileage, and it is possible to accumulate by the card for the occurrence of a separate mileage, and the usage is also adjusted.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. 1 shows a payment system according to the present invention. The integrated card user according to the present invention can access the relay server when the card is issued or after the card is issued. The card for payment such as a credit card, a check card, or a cash card connected to the integrated card issued by the user is connected to the relay server. May be linked to the integrated card. In this case, the user can set the usage amount for each card by entering the usage amount for each card, and the usage amount can also be divided so that the individual's credit and limit can be set by the user so that individual credit management can be performed. have. For example, if you have a total of 2 million won and you use 5 cards, and you register 4 cards out of 5 to be linked to the integrated card, and you use the combined card as 1 million won, the 4 cards registered are 4 The combined usage of each card is 1 million won, and the usage of each card can be determined to be within this limit. The following table shows an example of its use.

Samsung 2.LG 3.bc-bank card 4.bank card 4 in total 200,000 won 300,000 won 100,000 won 400,000 won 1 million won in total

The order of use of the registered card may be determined by the user first, and may be selected based on the company that benefits the user according to the user's use of the card and the propensity to consume the card. Therefore, if you use an integrated card, the payment will be made using Samsung Card up to the limit of 200,000 won in the above order, and LG Card will be used for the amount exceeding that amount. The payment of each card is made through the payment server of the card company by receiving the number and information for each card of the user from the relay server of the integrated card.

In addition, the use of the integrated card allows the consumer to check and select the desired card at each payment.In the field, the seller asks and decides which card to use by checking the information of each credit card stored in the integrated card. Sending / receiving card information through a relay server through a VAN network may be problematic in terms of security, and it may take a long time to send and receive data to use a separate network. You can enter the amount used directly while making a payment.

The order of use of such a card may allow the user to access the integrated card server at any time to change the order of use. The connection to the integrated card server can be accessed using a normal internet network.

The amount of use of such a card may be determined by the use rate, not the use amount, so that the card is settled at a predetermined rate by the customer when the user makes a payment.

Samsung 2.LG 3.bc-bank card 4.bank card 4 in total 20% 30% 10% 40%  100%

In the case of setting a spending amount by a rate, the priority is determined by the rate set for each card. As shown in the table above, 40% of the total amount of payment is debited by bank card, 30% by LG Card, 20% by Samsung Card and 10% by BC Card.

If you bought something worth 100,000 won,

Samsung 2.LG 3.bc-bank card 4.bank card 4 in total 20,000 won 30,000 won 10,000 won 40,000 won  100,000 won

When the amount of payment is divided, the amount of payment of each card is checked through the relay server and the rate of use of the card is accessed from the relay server to each card company's server for approval, and the final approved result is sent to the relay server. The payment is sent to the seller and a receipt is printed.

The example above uses credit card. However, if you use debit card or check card, it is the same except for authorization by accessing bank's server. Priority 1 is debit card and priority 2,3 is used. It is also possible to decide by credit card.

When setting priorities as described above, the mileage that is generated based on the mileage that occurs in each payment for the purchase or additional services is based on the higher mileage for the card with higher priority.

The system of Figure 1 can be used as a system for the integration of mileage, the relay server allows the user to directly select the mileage company to be accumulated for the integrated card issued by accessing directly.

Therefore, airlines, fueling, catering, card, discount stores, etc. can be selected to earn in advance for each card you want to earn.

Classification 1.Airline 2.oiling 3. Food service card 4.Discount 5. Mobile carrier card 6.Movie card Kinds Korean Air
Asiana
Other foreign SK
LG Refined Oil
Hyundai Refinery
Ssangyong Oil
Coffee Shop
Confectionery Shop
Service specialty store
Carrefour
Home plus
Hanaro Mart
E - mart SK
ktf
kt
lg cgv
LOTTE CINEMA
Megabox
etc

Therefore, the mileage according to the use of the card may be accumulated in one card selected in each category, and the order may be placed in each category, or several cards may be selected to be accumulated in the several cards. The table below shows such an example.

Sort order 1.Airline 2.oiling 3. Food service card 4.Discount 5. Mobile carrier card 6.Movie card etc Kinds One
2
3
4 Korean Air
Asiana
Etc
Foreign SK
LG Refined Oil
Hyundai Refinery
Ssangyong Oil Coffee Shop
Confectionery Shop
Service specialty store
Etc Carrefour
Home plus
Hanaro Mart
E - mart SK
ktf
kt
lg cgv
LOTTE CINEMA
Megabox
etc etc

If you accumulate mileage based on the use of the card, you can predetermine a certain mileage score from the mileage earned so that it can be credited to the card with the highest priority, and a predetermined rate for each card (or selected) of each category. Can be earned.

1.Airline 2.oiling 3.Food & Drink 4.Discount/Shopping Mall 5. Mobile carrier card Sum 20 points 20 points 10 points 20 points 30 points 100 points

The above table assumes you have earned 100 miles and you will earn points for each category. Of the 100 points, 20 points are preferentially credited to the airline, 20 points for gasoline cards, 10 points for food and beverage cards, 20 points for discount card cards, and 30 points for telecommunication carrier cards.

If you assume you have earned 30 miles,

1.Airline 2.oiling 3.Food & Drink 4.Discount/Shopping Mall 5. Mobile carrier card Sum 20 points 10 points 0 point 0 point 0 point 30 points

The airline earns 20 points first and the remaining 10 points to the fuel card with the next priority.

This mileage credit can be earned by pre-determining the ratio according to each category.

1.Airline 2.oiling 3.Food & Drink 4.Discount/Shopping Mall 5. Mobile carrier card Sum 20% 20% 10% 20% 30% 100% 20 points 20 points 10 points 20 points 30 points 100 points

If 100 points are earned, the mileage will be distributed according to the predetermined ratio as above.

If 30 points are earned, the mileage distributed as shown below will be credited to each card.

1.Airline 2.oiling 3.Food & Drink 4.Discount/Shopping Mall 5. Mobile carrier card Sum 6 points 6 points 3 points 6 points 9 points 30 points

The above example is applicable to the case where the card is not only integrated but also the mileage is integrated, and the mileage accumulated directly on each credit card may be incompatible with each other. The mileage can be converted and accumulated according to a predetermined ratio.

In addition, not only the ranking for each category as shown below, but also can be accumulated in order within the classification. In other words, if 6 points are earned as airline mileage, two points can be earned for Korean Air, Asiana Airlines, and other airlines at a predetermined rate (33%).

Sort order 1.Airline 20% 2.20% oil 3.Food industry 10% 4.Discount point 20% 5. Mobile carrier 20% 6.Movie card 10% etc Kinds One
2
3
4 Korean Air18%
Asiana 2%
2 points
Foreign SK 10%
LG Refined Oil 10%
Hyundai Refinery
Ssangyong Oil Coffee Shop 8%
Confectionery Shop 2%
Service specialty store
Etc Carrefour 10%
Home Plus 5%
Hanaro Mart 5%
E - mart SK 20%
ktf
kt
lg cgv8%
Lotte Cinema 2%
Megabox
etc etc

In the same way, the use of mileage credits belonging to each category can be selected to be used to integrate the mileage accumulated in each credit card.

That is, as shown in the table below, the miles accumulated in each card may be used in order. According to the priority, the necessary mileage is used in order of 20 points on the airline card and 20 points on the fuel card. The used mileage is paid directly through the relay server and directly to the card company's server.

1.Airline 2.oiling 3.Food & Drink 4.Discount/Shopping Mall 5. Mobile carrier card Sum 20 points 20 points 10 points 20 points 30 points 100 points

In the above case, if each company is incompatible with each other, it can be converted into integrated mileage, but in the case of use, it can be used directly without converting to integrated mileage. In some cases, only certain credit cards can be used.

1.Airline 2.oiling 3.Food & Drink 4.Discount/Shopping Mall 5. Mobile carrier card Sum 20% 20% 10% 20% 30% 100%

Also in the use of mileage, the mileage accumulated in each card may be used according to a preset ratio. For example, as shown in the table below, the percentage of mileage usage is determined.

1.Airline 2.oiling 3.Food & Drink 4.Discount/Shopping Mall 5. Mobile carrier card Sum 20% 20% 10% 20% 30% 100% 20 points 20 points 10 points 20 points 30 points 100 points

If you use 100 miles

The mileage of the credit card is used according to the preset rate, and the mileage of the company is deducted according to the exchange rate with the integrated mileage.

Just as you can use multiple credit cards in one category to earn mileage, you can use multiple credit cards in use.

Sort order 1.Airline 20% 2.20% oil 3.10% food service 4.Discount point 20% 5. Mobile carrier 20% 6.Movie card 10% etc Kinds One
2
3
4 Korean Air18%
Asiana 2%
2 points
Foreign SK 10%
LG Refined Oil 10%
Hyundai Refinery
Ssangyong Oil Coffee Shop 8%
Confectionery Shop 2%
Service specialty store
Etc Carrefour 10%
Home Plus 5%
Hanaro Mart 5%
E - mart SK 20%
ktf
kt
lg cgv8%
Lotte Cinema 2%
Megabox
etc etc

In other words, airlines are set to use 20% of the total mileage used, and there are many mileages accumulated on Korean Air, so they use 18% of the mileage in total and have relatively low mileage. The mileage of the airline should be used 2% of the total, so if the total 100 mileage is used, Korean Air will spend 2 points on 18 points Asiana Airlines.

As such, the ratio of mileage accrual and redemption can be set separately for each card, so that the customer can concentrate mileage from the mileage provider or the dominant mileage company, and can plan their own mileage. Therefore, unnecessary mileage can be consumed quickly.

However, since the amount of mileage accumulated is often determined according to the amount of credit card used, the rate of use of the credit card and the amount of accumulated mileage may be the same.

In addition, in the case of using the system according to the present invention, the mileage may be additionally added to a specific company when a company of different mileage providers becomes a certain amount of money through strategic alliances or purchases products from one or more affiliate companies regardless of the amount. It is possible to earn more. Therefore, it is possible to promote the use of the card by marketing allied companies with different fields such as credit card companies, mobile carrier cards and oil cards.

Fig. 2 is a diagram showing the procedure when using the card according to the present invention. When the card is used to apply for use by passing the card through the terminal, the integrated card number of the card is transmitted to the relay server, and the relay server refers to the member server of the member registered in the integrated card with reference to the member server of the relay server. The payment history for each card is calculated by referring to the usage ratio and usage amount of the card.

Subsequently, the relay server requests a payment by accessing a payment server of each card company / bank according to the details calculated for each of the payment details. When all payments are made, the relay server transmits the result to the relay server and the relay server returns to the terminal where the payment is made. Send the result.

However, if no payment is made to any of the card companies / banks, payment is made with a predetermined card for the part where payment is made and the result is reported or the card is notified to the user and the payment is completed. When the terminal outputs a receipt.

In the case of mileage accumulation, when the integrated card is input to the terminal or the generated integrated mileage is input, the mileage is transmitted to the relay server, and the relay server distributes the mileage at a preset ratio to the mileage server of each company. Will be sent. In addition, the use of credit cards and the occurrence of mileages can be independent and independent, so payment is approved by the card company and at the same time, the mileage of the amount is stored in the mileage DB of the card company and the mileage accumulated with the payment approval signal is relayed. Can be sent to the server.

In the case of mileage use, if the mileage to be used is input through the terminal, the mileage value to be used is transmitted to the relay server, and the relay server distributes the mileage according to the preset ratio / value, and requests the mileage use to the server of each company. . With respect to the mileage request, the server of each company will approve the use of mileage by referring to its member mileage DB, and the result is transmitted to the relay server, and the relay server collects the result and sends the result to the terminal. In addition, each card company / mileage provider grants mileage when spending by a certain amount or more than a certain amount of money, and also selects and grants the points and mileage of the mileage provider or a point provider mainly used by the customer. To help.

The consolidated mileage can be used in several ways. Mileage can be used in the usual way and can also be used as a cash substitute.Only when a certain amount is purchased, services such as free shipping, cash (gift certificate) exchange, discount, gift giveaway, and interest-free installment are provided. If the criteria is not enough, it is possible to forcibly charge and pay the mileage using the accumulated mileage. In other words, if the total payment amount is more than 30,000 won, if free banking, interest-free installment, etc. are made by private banks, in order to participate in this company, the payment amount should be more than 30,000 won, but less than that (for example, 28,000 won) If the amount is not enough ramen can be paid in cash or by mileage can be paid to the private banking company. However, the amount paid in cash here is to be used later in the shopping mall and can be deducted and paid as much as the amount paid in cash in the subsequent purchase. The same applies to mileage exchanged for cash. This may be called a pre-purchase right because it is intended to purchase.

In addition, the amount paid here may be paid in cash or mileage, but the paying entity may be an advertiser that needs to advertise to consumers. Advertisers can pay for the difference on the condition that they receive an ad mail or view the advertisement, and the polling agency pays the difference on the condition that the product or national policy evaluation agency receives and responds to the poll. The advertiser's target is unlimited. Alternatively, the person who wants to sign up for a specific homepage may be required to pay the difference.In addition, the user can provide personal information even when not connected by wire to receive sales information or mail in the home shopping catalog, You can be provided with the information after receiving the confirmation and pay the difference.You can issue a credit card that provides personal information of the individual or provide information through wire / wireless confirmation / certification of loan products / insurance products. / Loan application / Insurance / Financial products, or receiving information, such as how to pay the difference, courier service or quick service or proxy operation, recommended restaurants, travel information or music paid service, mobile phone paid services, Free tasting ticket, software ticket, wired / wireless internet cost, free Download ticket (mobile / internet content), sisikgwon, the company that provides the rights and streaming services for cable television, sound or copyright, newspapers and magazines can be used as a condition of using any of the copyrighted work, such as video. In addition, among all the advertising methods or marketing methods that are conducted online, such as the web, the consumer can replace the purchase cost of the pre-purchase right instead of posting the advertisement / promotional content on the homepage or the free homepage of the individual provided by the company such as the ucc blog. Can be.

For example, if the amount or points of the card or mileage provider's usage amount is higher than or equal to a certain amount, or if the spending amount of the card company is more than 200,000 won, or if the carrier's mileage is more than 2,000 points per month, The mobile carrier pays the purchase price for the pre-purchase right and the user can fill the usage amount above a certain amount.

In addition, the monthly use of the ringtone service is 1,000 won, using this service to receive free shipping or discount coupons, purchase goods and use 1,000 won to use the service of the carrier. In this case, the service usage period may be subject to the same conditions as at least three months.

100 text messages or 20 minutes of video calls are 2,000 points per month, and the mileage held is 1,000 points, and 1,000 points are used for the background of the contents designated by the advertising company. You can use the service for free by sending or receiving text or video. However, this service is a condition for signing up and downloading contents.

In addition, the monthly amount used to receive the virus service is 2,500 won, and you use this service, receive free shipping or discount coupons, purchase goods, and pay 2,500 won. (Conditions: The service period is 2 months.) Other conditions may apply: Other software (words, viruses, tax accounting, etc.), web programs (education, information, games), credit inquiry services provided via the Internet Similar services may also be provided for Internet services, server hosting, cable broadcasting, copyright rights and streaming services.

In addition, several newspaper articles / magazines / internet articles can be posted on their blogs for days to months and years. When writing articles, copyrighted articles, pictures, etc. on personal blogs, mini homepages, or personal sites such as UCC, you can place advertisements inside each article and replace the purchase cost of pre-purchase rights with the profit. If the content is produced by the provider or individual, and produced by the individual, the revenue is to be divided by a certain ratio so that the contents can be posted and the copyrighted work is in the form of a personal homepage or UCC blog. Add music and video works to buyers associated with individuals or to contracted individuals or company homepages The right to distribute ever can give more.

This allows the third party to use the status of the consumer to pay the third party to the extent that it does not burden the user, and the user does not receive cash directly, but pays the purchase cost of the pre-purchase right to receive the same effect as cash use. can do. In this case, however, the pre-purchase right only gives an opportunity to participate in the private banking company, thereby reducing the burden of the third party paying the purchase cost on behalf of the user and reducing the size of the user's payment to the third party. . This is because the user prefers to participate in the private banking company now rather than paying the next less with a pre-purchase right, and the higher the cost paid by the third party, the greater the burden on the user.

However, if the author of the content is a user, substantial profits may be incurred.In this case, if the purchase cost of the pre-purchase right is exceeded, the amount can be paid to the user separately, and the additional pre-purchase right is purchased and paid to the user. Can pay

For example, in the case of mileage, for example, a method of forcibly achieving a certain point when it does not become a certain point is a method of forcibly using it when the amount of the card is less than a certain amount. Can be converted into a profitable amount, for example:

  1.If you have a certain number of points or the number of times of use, you may be able to receive the prize. Otherwise, you may be forced to pay the difference. For example, if you have 50,000 points / miles, you will receive 42,000 mileage. If that is the case, you can artificially charge the remaining 8,000 points to receive a free gift. The difference can be paid by cash or mileage, or by the advertiser (third party), and the user can provide the benefit to the advertiser by satisfying the condition set by the advertiser.

 2. If you have 150,000 points / miles, you will receive a US ticket. If your mileage is 142,000 points, you can artificially recharge the remaining 8,000 points to receive a US ticket.

 3. If you purchase more than 300,000 won, the gift is additionally delivered. If the price is 250,000, and the gift cannot be delivered, you can purchase 50,000 won as a pre-purchase ticket to virtually / forcefully receive the free gift. Also, the pre-purchase right can be purchased by the person or a third party, and the virtually / artificially paid amount can be exchanged / stored as a reserve or gift certificate of the shopping mall / department store so that it can be used again next time.

In addition, interest-free installment is possible for more than a certain amount of 3 months or a few months, but if the interest is in installment rather than interest-free installment because of the monetary amount, the interest-free installment can be used by making an additional payment if the difference is less than the interest-free installment.

 4. Over 50,000 points will be exchanged for cash (free 50,000 won, 50,000 weekly gift certificates, other 50,000 gift certificates, etc.). If the mileage points are 46,000 points, and cash exchange is not possible, 4,000 points will be charged for cash exchange. Can be. In other words, the amount of 4,000 points is charged and the conversion amount + @ is applied, and the additional cost can be calculated within the amount that the consumer profits, and this amount can be the system fee and the profit of the operating company. Can be credited with the mileage provider or the integrated mileage of the integrated site.

 5. 18,000 points is an investment unit with one account investment or donation account. If the mileage point is 15,000 points and it is not possible to invest and donate account, it is possible to artificially recharge 3,000 points to obtain one account.

5 to 10 illustrate this situation in a brief table, and FIGS. 11 to 16 show the flow accordingly. Figure 17 and Figure 18 shows the receipt when the purchase using the mileage, Figure 17 is used to charge about 2,000 won (dot), the receipt of Figure 17 has a private bank company for more than 300,000 points Shows a case in which 55,000 won (point) is forcibly charged.

At this time, if you make an account request, a cash request, or a product delivery request, the product will be delivered to you by entering your address through a device that verifies that you are a customer (certified by a certified or mobile phone authentication method or through a bank). To help. After requesting payment, the receipt of goods can be printed out directly to the printer connected to the computer so that the user can pick it up and receive it directly (check the identity of the person), and enter the bank account number so that it can be refunded upon cancellation. Or, enter the passbook number to which the mileage and reserves will be refunded.) You can refund the mileage and reserves, and when the payment request is made, the mileages are purchased and the money to be refunded is transferred to your account. , Credits or miles can be exchanged with each other and charges may be incurred for recharges, exchanges and transfers.)

If this payment is made by mileage, the mileage that is consumed after a certain period of time can be notified to the consumer from time to time, thereby preventing damage to the customer. In particular, when the mileage of the card is integrated and accumulated / used as in the present invention, The mileage can be earned and used, and the mileage can be used as cash, but the amount can be further accelerated by making use of the mileage for the total purchase amount.

In addition, if the amount is matched by a mileage provider (card company) or a company with different fields (such as forming a village with another company, etc.) or purchasing from one or more affiliated companies regardless of the amount If the shopping mall, mileage, credit card companies, etc. in partnership to add one of the above methods, the mileage score can be further added to apply.

In other words, credit card companies, mobile carrier cards, oil cards, etc., form a village and union mileage between companies with different sectors. By applying this, it is possible to accumulate more mileage of the combined company and to be an effective consumer incentive to accumulate and use more mileage of the integrated company. In particular, according to the present invention, since it is possible to accumulate and divide several miles, it is easier to integrate and use several miles.

By issuing such integrated card, it is possible to reduce the additional cost for issuing each card and to earn additional mileage for integrating and using multiple cards. It can be processed in one batch and issue can be done at once. In addition, the mileage is actively used to achieve diversity in consumption, and payment and credit management are efficiently deployed. In other words, since a single bill is sent to consolidate the bills, it is less expensive to maintain and maintain the system in the case of mail. You can also make payments with one or two or three designated bankbooks, but bills are sent out as one, allowing you to quickly manage your credit management and billing information, making it easier to maintain your credit and billing information. You can choose from the benefits of eggplant at any time to make your Mileage Point providers better. In particular, the mileage consumed after a certain period of time can be notified to the consumer from time to time, which can ultimately prevent the customer from damage. In addition, it is possible to compare the service provided by each company obtained in the mileage card and credit card consumption box and to select and use the service (engine mounting) to compare and sign up.

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

2-4 are flowcharts illustrating the mileage integration portion according to the present invention.

5 to 18 illustrate parts related to the integration and pre-purchase of mileage according to the present invention.

Claims (16)

 This is a method of using / paying cards and miles together. Providing an integrated card, wherein the integrated card includes at least one of a credit card, a check card, and a debit card, the details of which are stored in a relay server; Transmitting the card number of the integrated card to a relay server by using the integrated card in a payment terminal; Referring to an actual payment card list including at least one of a credit card, a check card, and a debit card stored in the relay server using an integrated card number as an index; Requesting approval of payment to each credit card / debit card / debit card company according to the actual payment card details; Transmitting an approval result according to the approval request to the relay server; The relay server collecting the approval result and transmitting the collected result to the terminal; Including The actual payment card list of the relay server further includes any one of a list of use cards and a payment amount / payment ratio according to the use card, and the payment amount is divided according to the payment amount / payment ratio to request payment approval. The step of transmitting the approval result to the relay server further comprises the step of transmitting together the amount of mileage generation of each company according to the approval result to the relay server; The mileage sent to the relay server is converted into integrated mileage and earned,  How to combine / use your card and miles delete delete   This is a method of using / paying cards and miles together. Providing an integrated card, the integrated card includes any one or more card number of credit card / check card / debit card / mileage earning card and the details are stored in the relay server, providing the integrated card and ; Transmitting the card number of the integrated card to a relay server by using the integrated card at a payment terminal, and inputting the mileage generated with the use of the integrated card to the relay server; Referring to an actual mileage earning list including any one or more of a credit card, a check card, a debit card, and a mileage credit card stored in the relay server using the integrated card number as an index; Requesting approval of mileage credit to each credit card / debit card / debit card company according to the actual mileage credit history; Transmitting an approval result to the relay server; The relay server collecting the approval result and transmitting the collected result to the terminal; Including The actual mileage earning list of the relay server further includes any one of a list of use cards and a payment amount / payment ratio according to each mileage earning card, and the total accumulated mileage is divided according to the payment amount / payment rate, and the mileage settlement credit approval Requesting The mileage sent to the relay server is converted into integrated mileage and earned,   How to combine / use your card and miles delete   This is a method of using / paying cards and miles together. Providing an integrated card, the integrated card includes any one or more card number of credit card / check card / debit card / mileage earning card and the details are stored in the relay server, providing the integrated card and ; Transmitting the card number of the integrated card to a relay server by using the integrated card in a payment terminal, inputting the mileage to be used together with the use of the integrated card, and transmitting it to the relay server; Referring to an actual mileage usage list including at least one of a credit card, a check card, a debit card, and a mileage credit card stored in the relay server using the integrated card number as an index; Requesting approval of mileage accumulation from each credit card / debit card / debit card company according to the actual payment mileage usage history; Transmitting an approval result to the relay server; The relay server collecting the approval result and transmitting the collected result to the terminal; Including The actual mileage earning list of the relay server further includes any one of a list of use cards and a payment amount / payment ratio according to each mileage earning card, and the total accumulated mileage is divided according to the payment amount / payment rate, and the mileage settlement credit approval Requesting, the mileage transmitted to the relay server is converted into integrated mileage, the method of using and paying the card and the mileage accumulated delete The method of claim 1, wherein the transmitting to the relay server comprises the integrated card being used in a shopping mall. Purchasing a pre-purchase right of a predetermined amount by a user of the shopping mall; Examining whether the user of the shopping mall has a pre-purchase right previously purchased and asking the user to use the pre-purchase right; Making a payment by including the amount of money written in the pre-purchase right and the amount of payment of the pre-purchase right previously purchased in the payment amount of the user; Comparing the purchase amount of the pre-purchase right and the sum of payments paid by the user in addition to the purchase and use of the pre-purchase right in this purchase to satisfy the conditions of the private bank company; How to combine / use your miles. The method of claim 8, wherein the payment is included in the payment amount of the user. Providing the service when there is a service according to the total purchase amount by calculating the total purchase amount as the amount of the pre-purchase right by applying the pre-purchase right to the product to be paid and purchased in advance and purchasing the product; If the total purchase amount exceeds the upper limit specified for providing the service, the pre-purchase amount settled above the total purchase amount will be re-accumulated in the form of reserves / mileage / cyber money. How to integrate / pay The method of claim 8, wherein the payment is included in the payment amount of the user. Providing the service when there is a service according to the total purchase amount by calculating the total purchase amount as the amount to which the advance purchase right is paid by applying the advance purchase right to the product to be purchased and purchased in advance; and If the total purchase amount exceeds the upper limit specified for providing the service, the amount paid to match the total purchase amount of the pre-purchase right payment amount is paid to the person who supplied the goods to the user and exceeds the total purchase amount. The amount of the payment further comprises the step of paying a certain rate to the shopping mall / a personal shop that supplies the user in the shopping mall, the card and the mileage integration / payment method The method of claim 8, wherein the purchasing of the pre-purchase right is performed by using the “miles / points” accumulated by the user. 10. The method of claim 8, wherein the purchasing of the pre-purchase right comprises using / integrating the card and the mileage, wherein the user of the shopping mall expresses a purchase intention and a third party pays for the pre-purchase right. How to pay 13. The method of claim 12 including contracting online for the third party to pay for the pre-purchase right, the user replacing the cost by providing a counterpayment to the third party. To use / pay your card and miles The third party of claim 13, wherein the counterpart is configured to view advertisement content provided by a third party by the user provided by the third party online, to receive advertisement mail provided by the third party, and to receive the third party. Subscribing to a service provided by the user as a member, posting content provided by the third party to the user's site for the term of the contract, posting content produced by the user to the user's site for the term of the contract, A method of using / paying the card and the mileage, characterized in that it comprises any one The method of claim 8, wherein the pre-purchase right is used simultaneously in association with several shopping malls, and further includes the step of showing another product that can be simultaneously delivered among the associated shopping mall stores in the delivery after payment of the pre-purchase right. To use / pay your card and miles delete

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