KR102046327B1 - Method for depositing and using points according to credit card usage - Google Patents

Method for depositing and using points according to credit card usage Download PDF

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KR102046327B1
KR102046327B1 KR1020150125343A KR20150125343A KR102046327B1 KR 102046327 B1 KR102046327 B1 KR 102046327B1 KR 1020150125343 A KR1020150125343 A KR 1020150125343A KR 20150125343 A KR20150125343 A KR 20150125343A KR 102046327 B1 KR102046327 B1 KR 102046327B1
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point management
credit card
transaction approval
points
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KR1020150125343A
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KR20170028567A (en
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조병찬
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주식회사 더페이
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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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0208—Trade or exchange of goods or services in exchange for incentives or rewards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0238—Discounts or incentives, e.g. coupons or rebates at point-of-sale [POS]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0239—Online discounts or incentives
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • General Business, Economics & Management (AREA)
  • Marketing (AREA)
  • Game Theory and Decision Science (AREA)
  • Economics (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

When using a credit card, there is provided a method of earning and using points according to the use of a credit card that can easily earn or use points without having to present a point earning card to a cashier in order to accumulate or use points. In one embodiment of the present invention, the user earns points by inputting a transaction approval number printed on a credit card payment receipt into a point management app installed on a smartphone. In another embodiment of the present invention to transfer the transaction approval information from the credit card payment server to the user's smartphone, and earn points by sending it to the point management server in the point management app. In another embodiment of the present invention, the user may request to earn points in the point management app. According to the present invention, after the user pays by credit card, the user separately uses the smartphone to accumulate or use points, thereby greatly reducing the time required at the sales desk for the accumulation and use of merchant points.

Description

How to earn and use points according to credit card usage {Method for depositing and using points according to credit card usage}

The present invention relates to a point earning and use method according to the use of a credit card, more specifically, it is possible to easily earn or use points without having to present a point earning card to the cashier in order to earn or use points when using a credit card It relates to how to earn points and use according to the use of a credit card.

When a user requests a payment with a credit card at an online or offline merchant, the payment information is transmitted to the credit card company to provide a result of approval. Credit card companies provide the remaining amount of credit card payments, except for credit card fees, which are authorized by the merchant at the settlement date. The user charges the credit card payment amount to receive the credit card payment amount and provides a predetermined point to the user.

On the other hand, the points provided by the credit card company is credited only when using the credit card, and when using a third-party credit card credit points of the credit card company is accumulated, the accumulated points are inconvenient to use. In order to solve this problem, in Patent No. 0853907, when a user pays a credit card at an affiliated store, the user pays the discounted price in advance, and then pays the original price to the affiliated store to receive the approval of the credit card company. By taking the credit card company's points instead of the integrated management to eliminate the inconvenience of using points to immediately discount credit card use.

However, credit card points are provided to users by credit card companies, but in fact, some of the fees paid by merchants are used to earn points. Despite the fact that merchants are burdened with point reserves, points earned by credit card companies are credited regardless of which merchant used the credit card, so there is no effect of attracting users to the merchant. Therefore, in order to attract users to their stores, the merchants often accumulate points of the merchants themselves (for example, points earned in a specific coffee shop franchise). Hereinafter, points earned independently by the merchant are referred to as 'merchant points'.

However, points provided by credit card companies can be earned without additional procedures just by using a credit card.However, in order to earn merchant points, a user must provide a separate membership card to the salesperson to earn merchant points at the time of credit card payment or cash payment. Present or call the phone number, and the salesman must read the membership card or enter the phone number to perform the operation to earn points, both customers and salesmen not only inconvenient but also takes a lot of time to pay. In particular, if you wait in line because there are many customers who want to calculate, the time required to accumulate merchant points is accumulated, and the waiting time in line is greatly increased. Stores also spend more time per customer, leading to more customer complaints and higher costs.

In addition, even if you want to use the merchant points, the salesman must show the intention to use the merchant points, and the salesman must use the membership card to operate for the merchant point use, as in the point of earning merchant points inconvenience and time consuming Will follow.

The present invention has been made in view of this point, and an object of the present invention is to provide a method for earning and using points according to the use of a credit card that can reduce the time required at a sales point for the accumulation and use of merchant points.

Point earning method according to the first embodiment of the present invention, the first step of receiving a transaction approval number from the user in the point management app installed on the user's smartphone, and the transaction approval number from the point management app to the point management server A second step of transmitting a third step, and a point management server transmitting the transaction approval number to a credit card payment server; and a point management server receiving transaction approval information according to the transaction approval number from a credit card payment server. And a fifth step in which the point management server accumulates points according to the transaction approval information.

Point earning method according to a second embodiment of the present invention, the first step of transmitting the transaction approval information to the smart phone registered with respect to the credit card user that the credit card payment server has been approved for the transaction transaction; A second step of transmitting the transaction approval information from the smartphone to the point management server, a third step of the point management server confirming the validity of the transaction approval information received from the smartphone to the credit card settlement server, and the transaction approval If the information is valid, the point management server has a fourth step of earning points for the credit card user according to the transaction approval information.

Point earning method according to a third embodiment of the present invention, the first step of transmitting a point earning request while transferring the credit card number to the credit card payment server in the point management app installed on the user's smart phone after the credit card payment And a second step in which the point management server receives transaction approval information according to the credit card number from the credit card settlement server, and a third step in which the point management server accumulates points according to the transaction approval information.

The method of using the point of the present invention, the first step of receiving a transaction approval number of the sales slip to be discounted from the user in the point management app installed on the user's smartphone and the amount of points to be used, and points in the point management app A second step of transmitting information regarding the transaction approval number and the point amount to a management server; a third step of the point management server requesting a cancellation of sales corresponding to the transaction approval number to a credit card settlement server; and point management A fourth step of the server transmitting a new sales slip for the amount of the sales slip deducted from the payment amount of the sales slip to a credit card settlement server; and a fifth point at which the point management server subtracts the points according to the transaction approval information. With steps.

According to the present invention, the user does not accumulate or use the points at the time of the credit card payment, but after the user makes a separate payment using the smart phone, the time spent at the sales desk for the accumulation and use of merchant points. It can save a lot.

1 is a block diagram showing an overall view of a system for performing the method of the present invention.
2 is a flow chart showing a point earning procedure according to a first embodiment of the present invention.
3 is a flow chart showing a point earning procedure according to a second embodiment of the present invention.
4 is a flow chart showing a point earning procedure according to a third embodiment of the present invention.
5 is a flowchart showing a point use procedure of the present invention.
6 is an example of a smartphone screen at the time of earning points according to the first embodiment.
7 shows an example of a smartphone screen when using a point.

1 is a block diagram showing an overall view of a system for performing the method of the present invention. When the user makes a payment using a credit card, the credit card payment terminal 300 transmits credit card information, merchant information, payment amount information, etc. to the credit card payment server 200 through a communication network such as a value added network (VAN). . Then, the credit card payment server 200 checks the validity of the credit card, the remaining usage, etc. and sends a transaction approval or rejects the transaction. In the present invention, the user can use the point management app, which is a dedicated app (App) installed on the smartphone 400, to earn and / or use points. Accumulation and / or use of points using the smartphone 400 is made through the point management server 100. Hereinafter, various points earning and using methods will be described with reference to the drawings.

1. How to earn points

<First Embodiment>

In this embodiment, points are earned using the transaction approval number printed on the credit card payment receipt. When the payment is made using a credit card, a transaction approval request is sent from the credit card payment terminal 300 of the merchant to the credit card payment server 200, and the credit card payment server transmits the transaction approval number while performing the transaction approval. This transaction approval number is printed on the credit card payment receipt. In this embodiment, points are earned using the transaction approval number printed on the receipt. This procedure will be described with reference to FIGS. 2 and 6. In the following drawings, the transaction approval request and transaction approval procedure between the credit card payment terminal and the credit card payment server of the merchant are omitted.

If the payment is made using a credit card at the store (step S21), the user receives a credit card payment receipt printed with a transaction approval number. After the payment in the store, the user executes a point management app installed on his smartphone 400. The point management app includes a menu (in 'a earn points' in Figure 6 (a)) to enter a transaction approval number for earning points. The user selects this and inputs a transaction approval number (step S22).

As a method of entering a transaction approval number, the user may directly enter the number in the receipt into the smartphone 400, but when the credit card sales slip is taken using the point management app, the credit card sales are stored in the point management app. It is also possible to configure to extract the transaction approval number from the image of the slip.

The point management app that received the transaction approval number transmits the transaction approval number to the point management server 100 (step S23). When the point management app transmits a transaction approval number, a unique ID of the point management app and / or user information registered in advance by the user may also be transmitted. The point management server receiving the transaction approval number transmits the transaction approval number to the credit card settlement server 200 (step S24).

The credit card payment server 200 reads the transaction approval information associated with the received transaction approval number from the database and transmits the transaction approval information to the point management server 100 (step S25). The point management server 100 receiving the transaction approval information according to the transaction approval number from the credit card payment server accumulates points according to the received transaction approval information (step S26). The point management server 100 stores the card user's information in association with the point management app that transmitted the transaction approval number. The point management server 100 accumulates points for the card user associated with the point management app that sent the transaction approval number. The transaction approval information includes merchant information and the total payment amount, and the point management server 100 accumulates points in proportion to the payment amount according to the point accumulation rules determined for each merchant.

Meanwhile, according to the embodiment, the transaction approval information includes credit card information, merchant information, and total payment amount. In step S25, the point management server 100 corresponds to the credit card information received from the credit card payment server 200. Card users can be configured to accumulate points determined by merchants and payments.

Meanwhile, according to the exemplary embodiment, after step S25, the point management server 100 transmits the transaction approval information to the point management app, and after the point management app displays the transaction approval information on the screen and receives confirmation from the user, step S26. It is also possible to configure to perform. In addition, when the user clicks the 'Check Payment Details' button on the screen of FIG. 6 (b), the transaction approval information may be displayed as shown in FIG. 6 (c).

Further, according to the embodiment, after step S26, the point management server 100 may store the transaction approval number in which the points are accumulated. In this case, the point management server 100 checks whether the same transaction approval number received from the point management app is stored before performing step S24, and only if the same transaction approval number is not stored. The credit card payment server 200 may be configured to transmit a transaction approval number. By configuring in this way, it is possible to prevent receiving duplicate points by one transaction approval number.

Second Embodiment

Next, with reference to Figure 3 describes a method for earning points according to a second embodiment of the present invention. In this embodiment, instead of the user directly entering a transaction approval number, the credit card payment server transmits transaction approval information to the user's smartphone, and the user accumulates points by transferring it to the point management server.

First, when a payment using a credit card is made (step S31), the credit card payment server 200 that has approved the credit card transaction is sent the transaction approval information to the smartphone 400 registered for the authorized credit card user. Transmit (step S32). Transaction approval information may include merchant information and the total payment amount. In addition, when the transaction approval information is transmitted, information for calling the point management app installed in the smartphone may be included and transmitted. The transaction approval information may be transmitted in the form of a text message or an email including information for calling the point management app.

The user calls the point management app using the information that can call the point management app included in the received message (step S33). When the point management app is called, transaction approval information is also delivered to the point management app. Then, the point management app transmits transaction approval information to the point management server 100 (step S34). When the point management app transmits transaction approval information, a unique ID of the point management app and / or user information registered in advance by the user may also be transmitted.

The point management server 100 receiving the transaction approval information requests the credit card payment server 200 to confirm the validity of the transaction approval information received from the smartphone 100 (step S35). Then, the credit card payment server 200 checks whether the received transaction approval information is valid and notifies the point management server 100 whether it is valid (step S36).

If the transaction approval information is valid, the point management server 100 accumulates points for the credit card user according to the transaction approval information (step S37). The point management server 100 stores the card user's information in association with the point management app that transmitted the transaction approval information. The point management server 100 accumulates points for the card user associated with the point management app that sent the transaction approval information. The transaction approval information includes merchant information and the total payment amount, and the point management server 100 accumulates points in proportion to the payment amount according to the point accumulation rules determined for each merchant.

Meanwhile, in some embodiments, the transaction approval information may include credit card information, merchant information, and total payment amount. In step S37, the point management server 100 may be configured to accumulate points determined by the merchant and the payment amount for the card user corresponding to the credit card information included in the transaction approval information. Alternatively, in step S36, when the credit card payment server 200 transmits the validity to the point management server 100, credit card information may be also sent.

Meanwhile, according to the exemplary embodiment, after step S36, the point management server 100 transmits the transaction approval information to the point management app, and after the point management app displays the transaction approval information on the screen and receives confirmation from the user, step S37. It is also possible to configure to perform.

Third Embodiment

Next, with reference to Figure 4 will be described a point earning method according to a third embodiment of the present invention. In the present embodiment, when the user selects the point earning function in the point management app installed on the user's smartphone, the point management app transfers the prestored credit card number to the credit card payment server and requests for point accumulation. If the card payment server is a valid number, the transaction approval information is transmitted to the point management server, and the point management server accumulates points according to the received transaction approval information.

First, when a credit card payment is made (step S41), the user selects a point earning function by driving a point management app installed in the user's smartphone 400. The point management app has registered information about one or more credit cards used by a user. If the user uses multiple credit cards, the credit card used when selecting the point accumulation function is also selected. Then, the point management app requests the point accumulation while transmitting information on the selected credit card, for example, a credit card number, to the credit card payment server 200 (step S42). The point management app may transmit a unique ID of the point management app so as to distinguish the point management app that transmits the information while transmitting information about the credit card.

Then, the credit card payment server 200 checks whether there is a payment within a predetermined period with respect to the credit card number, and if there is a payment, transmits the corresponding transaction approval information to the point management server 100 (step S43). ). According to an embodiment, the credit card number is registered in advance in the credit card payment server 200 for each point management app, and the step S43 is performed only when the credit card number and the unique ID of the point management app match the registered information. Can be configured.

When the point management server 100 receives the transaction approval information according to the credit card number from the credit card payment server 200, and accumulates points according to the transaction approval information received to the user associated with the credit card number (step S44). The transaction approval information includes merchant information and the total payment amount, and the point management server accumulates points determined according to the merchant and the payment amount. Point management server 100 earned points stores the points earning history, including the date and time earned, earned points, merchants, credit cards used.

According to an embodiment, after step S43, the point management server 100 transmits the transaction approval information to the point management app, and the point management app displays the transaction approval information on the screen and receives step S44 after receiving confirmation from the user. Can be configured to do so.

According to an embodiment, the transaction approval information may include information regarding a point management app for requesting point accumulation. In step S44, the point management server 100 accumulates points for credit card users associated with the point management app.

In some embodiments, the transaction approval information may include credit card information, merchant information, and total payment amount. In step S44, the point management server accumulates points determined according to the merchant and the payment amount for the card user corresponding to the credit card information included in the transaction approval information.

2. How to use points

In the present invention, the use of points can also be performed directly by the user using the point management app installed on his smartphone, rather than requesting the salesperson in the store. This will be described with reference to FIGS. 5 and 7.

If the user wants to use the accumulated points, after making a payment using a credit card (step S51), run the point management app installed on the user's smartphone 400, and select the 'Use points' menu. ((A) of FIG. 7). Then, using screens such as (b) and (c) of FIG. 7, the use of points is requested while inputting a transaction approval number of a sales slip to be discounted and a point amount to be used (step S52). Then, the point management app transmits the information about the transaction approval number and the point amount inputted to the point management server 100 to make a point use request (step S53).

The point management server 100 receiving the request for using the point requests the cancellation of sales corresponding to the transaction approval number to the credit card payment server 200 when the accumulated points of the user are larger than the requested point amount (step S54). ). Then, the credit card payment server 200 cancels the credit card transaction (step S55). On the other hand, the credit card payment server 200 may refuse to cancel the credit card transaction if the cancellation request is made after a predetermined time (due to cancel the sales slip) from the transaction date. In this case, the point management server 100 skips the following procedure, notifies that the point accumulation failed to the point management app, the point management app displays the fact on the screen.

If the sale is canceled normally, the point management server 200 transmits to the credit card payment server 200 a new sales slip for the amount obtained by subtracting the point amount from the settlement amount of the sales slip (step S56). Then, the credit card payment server 200 generates the same credit card transaction as the canceled credit card transaction except that the payment amount is subtracted by the point amount (step S57).

The point management server 100 subtracts the points as much as the points used from the accumulated points of the user (step S58).

On the other hand, according to the embodiment, the point management server 100 receiving the information about the transaction approval number and the point amount to be used in step S53 checks whether the cancellation period of the sales slip corresponding to the transaction approval number has been exceeded and exceeded. If it is, instead of executing steps S54 and S56, it may be configured to transmit the negative sales slip of the point amount to the credit card settlement server 200.

Instead of entering the point amount to be used in step S52, an option to use the point total amount may be selected. If this option is selected, the point management app notifies the point management server 100 that the point total use option is selected instead of the information on the point amount, and the point management server 200 stores the accumulated points of the user in step S56. If less than the payment amount is sent a new sales slip for the amount less the accumulated point amount from the payment amount of the sales slip.

While the present invention has been described with reference to some examples, it will be understood by those skilled in the art that various modifications and variations can be made without departing from the scope of the present invention. For example, a smartphone is used for convenience, but a portable information terminal that can install a point management app instead of a smartphone can be applied regardless of the type or name.

In addition, points earned using the point earning method of the present invention can be configured to use using a conventional method without using the point use method of the present invention, on the contrary, points earned using a conventional point earning method It can also be configured to use using the point method of the present invention.

100 point management server,
200 credit card payment servers,
300 credit card payment terminal,
400 smartphones.

Claims (21)

The first step of receiving a transaction authorization number for credit card payment in the point management app installed on the user's smartphone,
A second step of transmitting the transaction approval number from a point management app to a point management server;
A third step in which the point management server transmits the transaction approval number to the credit card settlement server when the same transaction approval number received from the point management app is not stored;
A fourth step of the point management server receiving, from the credit card settlement server, transaction approval information including merchant information on payment corresponding to the transaction approval number and information on total payment amount;
A fifth step in which a point management server accumulates points determined according to the affiliated store and the payment amount for a card user linked to the point management app;
Step 6 in which the point management server stores the transaction approval number that accumulated the points
How to earn points provided with. The method of claim 1, wherein the first step includes extracting a transaction approval number from an image of the credit card sales slip in the point management app. delete The method of claim 1,
After the fourth step, the point management server transmits the transaction approval information to the point management app, and the point management app displays the transaction approval information on the screen and performs a fifth step after receiving confirmation from the user. How to earn points.

delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete
KR1020150125343A 2015-09-04 2015-09-04 Method for depositing and using points according to credit card usage KR102046327B1 (en)

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KR101882420B1 (en) * 2017-04-03 2018-07-26 주식회사 이팝콘 System and method for payment using approval request messages
KR102170203B1 (en) 2018-12-05 2020-10-26 조영규 System for saving points for paying pension
KR102191336B1 (en) * 2020-04-01 2020-12-15 주피타카 주식회사 Automatic creation of customer ledger and credit point management system using credit card number

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KR101011767B1 (en) * 2008-07-28 2011-02-07 용순안 Mobile Payment Service System
KR101399123B1 (en) * 2012-05-16 2014-06-27 김형근 Point accumulatiing system using wireless device and the method thereof
KR20140010619A (en) * 2012-07-16 2014-01-27 주식회사 나인플라바 Apparatus and method for accumulating point
KR101474556B1 (en) * 2012-11-12 2014-12-22 주식회사 티모넷 System for paying online using smart phone
KR101508613B1 (en) * 2013-06-13 2015-04-14 사단법인 한국신용카드 네트워크 Online collecting system for collecting of credit card sales slip which is signed by the client

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