KR101846024B1 - Apparatus for integrated point management and operation method thereof - Google Patents
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- KR101846024B1 KR101846024B1 KR1020160008929A KR20160008929A KR101846024B1 KR 101846024 B1 KR101846024 B1 KR 101846024B1 KR 1020160008929 A KR1020160008929 A KR 1020160008929A KR 20160008929 A KR20160008929 A KR 20160008929A KR 101846024 B1 KR101846024 B1 KR 101846024B1
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G06Q30/00—Commerce
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- G06Q30/0215—Including financial accounts
- G06Q30/0216—Investment accounts
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- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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Abstract
According to an embodiment of the present invention, a point-integrated operation device and an operation method thereof are provided. The method includes receiving information about at least one user's points accumulated by an affiliated company; Switching the point to the aggregation point of the user based on the information about the point, and depositing the aggregation point account; Operating the investment product using the investment principal corresponding to the deposited integration point; And making a settlement for the user based on the operation, wherein the step of finishing is performed when the ratio of the investment principal of the user changes, and the ratio of the investment principal is the investment of each of the users It may be the percentage of the principal.
Description
More particularly, the present invention relates to a point integrated operation device capable of converting individual points of a user accumulated by at least one point accumulation company into integration points and utilizing the investment points for operation of investment products, And an operation method thereof.
Online merchants such as online shopping malls and social commerce banks, financial institutions such as banks, credit card companies, securities companies and insurance companies, and communication companies or their affiliates or affiliated merchants are required to pay attention to customer's transaction performance in order to attract customers, And has accumulated various types of corresponding points to its customers. On the other hand, customers are habitually accepting point accruals for vague hopes that they can use these points as cash someday.
However, the points earned by these point-earning organizations during a customer's one-time transaction are typically very small, depending on the size of the transaction, and therefore considerable time is required to earn points that customers can use It is quite uncommon for customers to receive substantial benefits from individual points earned in each point accumulating agency. In addition, there are a lot of point accumulation institutions that provide point service to customers, but since point accumulation and management are carried out individually for each point accumulating agency, point accumulation and use are not shared among the point accumulating institutions. It is inconvenient to separately manage the points accumulated in the point accumulation institutions of the points.
Also, even though the point accumulation amount accumulated in the individual customer is small, the point accumulation amount accumulated in a large number of customers corresponds to a considerable amount, and since the point accumulation amount accumulated in the customer corresponds to the liability, These points, which are not accumulated yet, have a difficulty in imposing a lot of burden on the accounting of the point accumulating institution.
Therefore, in order to solve such a problem, there is a need for a technique that makes it possible to utilize the points accumulated in a plurality of point accumulation institutions more effectively.
SUMMARY OF THE INVENTION The present invention has been made to solve the above problems and it is an object of the present invention to provide a point integrated operating device capable of using points more effectively by converting individual points of a user accumulated by one or more point accumulation companies into integration points, And an operation method thereof.
The technical problems of the present invention are not limited to the above-mentioned technical problems, and other technical problems which are not mentioned can be understood by those skilled in the art from the following description.
According to an embodiment of the present invention, a method of operating a point-integrated operation apparatus is provided. The method includes receiving information about at least one user's points accumulated by an affiliated company; Switching the point to the aggregation point of the user based on the information about the point, and depositing the aggregation point account; Operating the investment product using the investment principal corresponding to the deposited integration point; And making a settlement for the user based on the operation, wherein the step of finishing is performed when the ratio of the investment principal of the user changes, and the ratio of the investment principal is the investment of each of the users It may be the percentage of the principal.
Calculating a profit of each of the users based on the investment principal ratio before the change; And depositing the revenue to a settlement account of each of the users, wherein the settlement account may be a virtual account or a real account.
The method may further include transferring the revenues deposited in the settlement accounts to the respective registered accounts of the users or switching to the points of the affiliated companies and paying the revenues to the users.
It is also preferable that the settlement step further comprises calculating reinvestment revenue among the profits of each of the users based on the reinvestment information of each of the users, And the reinvestment proceeds may be added to the investment principal of each of the users.
The method may further include returning at least a portion of the investment principal to the user in response to the user's request to return the investment principal.
Also preferably, there is provided a method comprising: receiving an investment request for a point of a second user earned by a non-affiliated company; And in response to the investment request, determining whether a predetermined investment requirement is satisfied, wherein the investment requirement includes a condition for at least one of a point type and an investment limit, wherein when the investment requirement is satisfied , Depositing in the aggregate point account can be performed for the investment requested point.
In addition, the method may further include the step of repaying the deposited integration points to generate the investment principal.
In addition, preferably, the step of generating the investment principal includes the steps of: requesting the affiliate company to pay the fund corresponding to at least a part of the integration points; And transferring the funds from the affiliate company to a predetermined operational account in response to the request.
According to an embodiment of the present invention, there is provided a computer-readable recording medium having recorded thereon a program for performing a method of operating a point-integrated operating device.
According to an embodiment of the present invention, an automatic debit apparatus is provided. The apparatus comprises: a communication unit for receiving information about at least one user's points accumulated by an affiliated company; A point manager for switching the point to the user's integration point based on the information about the point and depositing the integrated point in the integrated point account; An operation unit for operating an investment product using investment principal corresponding to the deposited integration point; And a settlement unit for making a settlement to the user of the profit related to the operation, wherein the settlement unit performs the settlement when the ratio of the investment principal of the user changes, wherein the ratio of the principal of the investment is the investment of each of the users It may be the percentage of the principal.
Preferably, the settlement unit performs the settlement by calculating the profit of each of the users based on the investment principal ratio before the change, and depositing the profit on the settlement account of each of the users, wherein the settlement account is a virtual account Or a real account.
The payment unit may further include a payment unit for transferring the revenues deposited in the settlement accounts to the registered accounts of the respective users, or switching to the points of the affiliated companies, and paying the revenues to the users.
Preferably, the settlement unit may calculate the reinvestment profit during each of the users based on the reinvestment information of each of the users, deposit the remainder of the profit of each of the users excluding the reinvestment profit in the settlement account , The reinvestment proceeds may be added to the investment principal of each of the users.
Also, preferably, the operating unit may return at least a part of the investment principal to the user in response to the user's request to return the investment principal.
In addition, preferably, when the communication unit receives an investment request relating to a point of a second user accumulated by a non-affiliated company, the point management unit, in response to the investment request, Determining whether the requirement is met and, if the investment requirement is met, depositing the investment requested point in the aggregate point account, the investment requirement may include a condition for at least one of a point type and an investment limit .
Also, preferably, the operating unit can exchange the deposited integration points to generate the investment principal.
Preferably, the operation unit requests payment of funds corresponding to at least a part of the integration points to the affiliate company, and, in response to the request, transfers the funds from the affiliate company to a predetermined operation account, The investment principal can be generated.
According to the present invention, at least one point accumulation company converts points accumulated for one or more different users into a single integration point to generate and invest an investment principal and to make a profit using the investment, It has the advantage of improving the efficiency of point use.
Further, according to the present invention, it is possible to integrate and manage points of a plurality of point accumulation points, thereby making it easier to manage points.
Further, according to the present invention, the profit distribution between users can be made more transparent and simplified by immediately reflecting the change in the ratio of the investment principal among the users, and by dividing the investment profit to each user according to the investment principal ratio before the change .
Further, according to the present invention, the point utilization range can be further expanded by making it possible to obtain a profit from an investment under a predetermined limit even for a point accumulated by a non-affiliate company.
BRIEF DESCRIPTION OF THE DRAWINGS A brief description of each drawing is provided to more fully understand the drawings recited in the description of the invention.
1 shows a network including a point-integrated operating device according to an embodiment of the present invention.
FIG. 2 illustrates a point aggregation operating device according to an embodiment of the present invention.
FIG. 3 illustrates an operation method of a point-integrated operating device according to an embodiment of the present invention.
FIG. 4 illustrates an embodiment of step S350 of FIG.
5 illustrates an operation method of the point-integrated operating device according to an embodiment of the present invention.
Hereinafter, embodiments according to the present invention will be described with reference to the accompanying drawings. It should be noted that, in adding reference numerals to the constituent elements of the drawings, the same constituent elements are denoted by the same reference symbols as possible even if they are shown in different drawings. In the following description of the embodiments of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the difference that the embodiments of the present invention are not conclusive. In addition, embodiments of the present invention will be described below, but the technical idea of the present invention is not limited thereto and can be variously modified by those skilled in the art.
Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected" . Throughout the specification, when an element is referred to as "comprising ", it means that it can include other elements as well, without excluding other elements unless specifically stated otherwise. In describing the components of the embodiment of the present invention, terms such as first, second, A, B, (a), and (b) may be used. These terms are intended to distinguish the constituent elements from other constituent elements, and the terms do not limit the nature, order or order of the constituent elements.
1 shows a network including a point-integrated operating device according to an embodiment of the present invention.
Referring to FIG. 1, the point-of-
The
The
The point integrated
FIG. 2 illustrates a point aggregation operating device according to an embodiment of the present invention.
Referring to FIG. 2, the point-integrated
The
The
The
The
The
The
The
The operation of the
FIG. 3 illustrates an operation method of a point-integrated operating device according to an embodiment of the present invention.
In step S310, the
In step S320, the
In one embodiment, when the switching of the consolidation point and the deposit to the consolidation point account are completed, the
In operation S330, the
Then, the
In one embodiment, the
In step S350, the
In step S360, the
Although not shown in FIG. 3, in one embodiment, the
FIG. 4 illustrates an embodiment of step S350 of FIG.
Referring to FIG. 4, step S350 may include calculating a user's ROI (step S352) and depositing the calculated ROI on a settlement account of the user (step S354). In this case, step S350 may be performed for the investment principal ratio before the change if the investment principal ratio of the user changes. For example, step S350 may be performed when points are added to an integrated point account by an existing user or a new user, thereby changing the investment principal ratio. Meanwhile, if there are a plurality of unified point accounts, whether the change in the investment principal ratio can be determined for each unified point account, and in step S350, Lt; / RTI >
In step S352, the
Subsequently, in step S354, the
In this way, the point-integrated
On the other hand, in one embodiment, the step S350 may further include the step of calculating the reinvested profit from the ROI of each user based on the reinvestment information of each of the users. Here, the reinvestment information is set by each user, and may include information on the ratio of the profit to be reinvested in the investment to the investment product of the user. That is, if the ROI of each user is calculated through step S352, the
5 illustrates an operation method of the point-integrated operating device according to an embodiment of the present invention.
The
First, in step S510, the
In step S520, the
If it is determined that the investment requirement is satisfied, in step S530, the
Thereafter, the points deposited in the unified account can be repaid to the corresponding investment principal, as described above with reference to Figures 3 and 4, to be used for the operation of the investment product, and the non- As shown in Fig.
Meanwhile, the various embodiments described herein may be implemented by hardware, middleware, microcode, software, and / or a combination thereof. For example, various embodiments may include one or more application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays ), Processors, controllers, microcontrollers, microprocessors, other electronic units designed to perform the functions described herein, or a combination thereof.
Also, for example, various embodiments may be stored or encoded in a computer-readable medium including instructions. The instructions stored or encoded in the computer-readable medium may cause a programmable processor or other processor to perform the method, for example, when the instructions are executed. The computer-readable medium includes computer storage media. The storage medium may be any available media that can be accessed by a computer. By way of example, and not limitation, such computer-readable media can comprise RAM, ROM, EEPROM, CD-ROM or other optical disk storage media, magnetic disk storage media or other magnetic storage devices, Or any other medium that can be used to store in the form of structures.
Such hardware, software, firmware, etc. may be implemented within the same device or within separate devices to support the various operations and functions described herein. Additionally, components, units, modules, components, etc. described in the present invention as "parts" may be implemented separately or together as separate but interoperable logic devices. The description of different features for modules, units, etc. is intended to emphasize different functional embodiments and does not necessarily imply that they must be implemented by individual hardware or software components. Rather, the functionality associated with one or more modules or units may be performed by separate hardware or software components, or may be incorporated within common or separate hardware or software components.
Although acts in a particular order are shown in the figures, it should be understood that these acts are performed in the specific order shown, or in a sequential order, or that all illustrated acts need to be performed to achieve the desired result . In any environment, multitasking and parallel processing may be advantageous. Moreover, the division of various components in the above-described embodiments should not be understood as requiring such a distinction in all embodiments, and the components described may generally be integrated together into a single software product or packaged into multiple software products It should be understood.
As described above, an optimal embodiment has been disclosed in the drawings and specification. Although specific terms have been employed herein, they are used for purposes of illustration only and are not intended to limit the scope of the invention as defined in the claims or the claims. Therefore, those skilled in the art will appreciate that various modifications and equivalent embodiments are possible without departing from the scope of the present invention. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.
Claims (17)
Receiving information about at least one user's points accumulated by an affiliated company;
Switching the point to the aggregation point of the user based on the information about the point, and depositing the aggregation point account;
Operating the investment product using the investment principal corresponding to the deposited integration point; And
And making a profit to the user for the operation,
Wherein, in the case where the ratio of the investment principal of the user is changed, the step of finishing assigns the total investment profit to each user according to the investment principal ratio before the change from the previous settlement to the point of time when the ratio of the investment principal of the user changes, Calculating respective revenues;
Calculating reinvestment revenue of each of the users based on reinvestment information of each of the users; And
Depositing a revenues from the revenues of the users in the settlement accounts of the respective users,
The investment principal ratio is a ratio of investment principal of each of the users among the total investment principal. The reinvestment information is set by each of the users, and the ratio of the profit of reinvesting investment Wherein the reinvestment revenue is added to the investment principal of each of the users,
The operating method comprises:
Receiving an investment request for a point of a second user earned by a non-affiliated company;
In response to the investment request, determining whether a predetermined investment requirement is satisfied; And
If the investment requirement is satisfied, converting the investment requested point to the integration point and depositing the integration point account in the integrated point account,
The investment requirement includes conditions for a point type and an investment limit, and the conditions for the investment ceiling include a total investment limit for points accumulated by non-affiliates, an investment limit for each point type, and an investment limit for each non-affiliated company type / RTI >
Transferring the revenues deposited in the settlement accounts to the respective registered accounts of the users, or switching to the points of the affiliates, and paying the rewards to the user.
And returning at least a portion of the investment principal to the user in response to the user's principal return request.
Further comprising: depositing the deposited consolidation point to generate the investment principal.
Wherein the step of generating the investment principal comprises:
Requesting the affiliate to pay the fund corresponding to at least a part of the integration points; And
And in response to the request, transferring the funds from the affiliate to a predetermined operational account.
A communication unit for receiving information about at least one user's points accumulated by an affiliated company;
A point manager for switching the point to the user's integration point based on the information about the point and depositing the integrated point in the integrated point account;
An operation unit for operating an investment product using investment principal corresponding to the deposited integration point; And
And a settlement unit for making a profit for the user to the user,
Wherein the settlement unit allocates the total investment income from the previous settlement to the time when the ratio of the investment principal of the user changes to each user according to the investment principal ratio before the change, Calculating reinsurance income of each of the users based on the reinvestment information of each of the users, depositing the remaining reinsurance revenues from the revenues of the users in the settlement accounts of the respective users,
The investment principal ratio is a ratio of investment principal of each user among the total investment principal. The reinvestment information is set by each of the users, and information about the ratio of the profit Wherein the reinvested earnings are added to the investment principal of each of the users,
When the communication unit receives an investment request for a point of a second user, which is accumulated by a non-affiliated company,
The point management unit, in response to the investment request, determines whether or not a predetermined investment requirement is satisfied, and when the investment requirement is satisfied, the point management unit switches to the integration point and deposits the investment requested point in the integrated point account ,
The investment requirement includes conditions for a point type and an investment limit, and the conditions for the investment ceiling include a total investment limit for points accumulated by non-affiliates, an investment limit for each point type, and an investment limit for each non-affiliated company type ≪ / RTI >
Further comprising a payment unit for transferring the revenues deposited in the account settlement accounts to the registered accounts of the respective users, or switching to the points of the affiliated companies, and paying the revenues to the user.
And the operating unit returns at least a part of the investment principal to the user in response to the user's principal return request.
And the operating unit funds the deposited integration point to generate the investment principal.
The operation unit requests the affiliate to pay the fund corresponding to at least a part of the integration points and generates the investment principal by receiving the funds from the affiliate company in a predetermined operational account in response to the request , Device.
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| KR20210118576A (en) * | 2020-03-23 | 2021-10-01 | 김민성 | Apparatus and Method for Providing service of issuing and managing of digital money |
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| KR102450089B1 (en) * | 2021-12-21 | 2022-10-04 | 박흥국 | A Virtual(Crypto)-Assets Trading System that allows Profit Distribution for Mileage and a Method of Creating Profit using the same |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| KR20210118576A (en) * | 2020-03-23 | 2021-10-01 | 김민성 | Apparatus and Method for Providing service of issuing and managing of digital money |
| KR102430287B1 (en) * | 2020-03-23 | 2022-08-08 | 김민성 | Apparatus and Method for Providing service of issuing and managing of digital money |
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