KR102090627B1 - Point payment support system - Google Patents

Abstract

According to an embodiment of the present invention, a point payment support system may be configured to comprise: a platform server which provides points corresponding to a deposited cash amount as payment is confirmed from a customer, supports payment at registered merchants with the points, and determines sales status information based on details paid by the points; a merchant device which acquires points corresponding to a value of a product or service from the customer according to a request of the customer for payment of points and records item information of the product or service sold; and a customer terminal which manages point information held by the customer and transmits the details paid by the points and the item information on the product or service to the platform server as payment is performed.

Description

Point payment support system

The present invention relates to a point payment support system. More specifically, the present invention relates to a payment support system that enables a customer who owns a point to use products and services through point payment at a specific specified merchant.

In the field of payment, points are usually provided to consumers as rewards corresponding to a certain amount of payment, and these points are accumulated in a long period of time, and then accumulated by a long period of time, or the company that provided the point or another company affiliated with the company that provided the point It could be used for payment. These points have been mainly used as a means to secure regular customers, and therefore, there are limited service fields in which points can be used, and it is difficult to use services in various fields such as cash.

1) Publication Patent Publication No. 10-2019-0015696 (Advertising and Point Payment System and Method for Regional Commercial Areas)

An object of the present invention is to provide a platform that performs management of customers and affiliated stores in order to perform payment of products and services in various fields using points.

The present invention is based on the customer information and the sales-related information obtained from the merchant, to provide a customer-customized merchant advertisement for promoting the purchase of customers, and has an object to increase the sales of the merchant accordingly.

The point payment support system according to an embodiment of the present invention provides points corresponding to the deposited cash as the cash deposit is confirmed from the customer, supports the payment with the above points at a pre-registered affiliated store, and is paid with points A platform server that determines sales status information based on a history, a merchant device and a customer that acquires points corresponding to the value of a product or service from a customer according to a customer's point payment request, and records item information of a sold product or service It may be configured to include a customer terminal that manages the held point information and transmits information on the point payment history and purchased products or service items to the platform server as payment is performed.

The present invention has an effect of providing a platform for supporting point payment, so that customers can more easily provide membership-based services through various types of affiliated stores.

In addition, the present invention can obtain the sales-related information from the merchants and customers registered as member companies and provide advertisements that target the needs of the customers based on this, and the effect of improving the sales performance of the merchants may occur.

1 is a diagram illustrating a point delivery system in a point payment support system according to an embodiment of the present invention.
2 is a diagram showing the configuration of a platform server 100 according to an embodiment of the present invention.
3 is a view showing the configuration of a consumption pattern calculating unit according to an embodiment of the present invention.
4 is a view showing the configuration of a merchant advertisement unit according to an embodiment of the present invention.
5 is a view showing the configuration of a consumption potential measurement unit according to an embodiment of the present invention.
6 is a view showing the configuration of a merchant device according to an embodiment of the present invention.

The present invention can be applied to various changes and can have various embodiments, and specific embodiments will be illustrated in the drawings and described in detail.

However, this is not intended to limit the present invention to specific embodiments, and should be understood to include all modifications, equivalents, and substitutes included in the spirit and scope of the present invention. In describing each drawing, similar reference numerals are used for similar components.

When an element is said to be 'connected' or 'connected' to another component, it is understood that other components may be directly connected to or connected to the other component, but other components may exist in the middle. It should be. On the other hand, when a component is said to be 'directly connected' or 'directly connected' to another component, it should be understood that no other component exists in the middle.

The terms used in this application are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In this application, terms such as 'include' or 'have' are intended to indicate that a feature, number, step, operation, component, part, or combination thereof described in the specification exists, and that one or more other features are present. It should be understood that the existence or addition possibilities of fields or numbers, steps, operations, components, parts or combinations thereof are not excluded in advance.

Hereinafter, to schematically describe the structure of a point payment support system according to an embodiment of the present invention, reference will be made to FIG. 1.

1 is a diagram illustrating a point delivery system in a point payment support system according to an embodiment of the present invention.

As shown in FIG. 1, the point payment support system according to an embodiment of the present invention includes a platform 10 for managing the overall point payment, and a merchant 20 that receives points from customers (users) and provides corresponding products and services. , It may be configured to include 30 customers who provide points to the merchant 20 and receive products and services. In addition, the point payment support system may include a bank 40, and the bank 40 may serve as an intermediate role in the process of refunding points of customers to cash.

According to various embodiments of the present disclosure, the platform 10 may receive cash from the customer 30 and convert it to a point having a value corresponding thereto. Customers (users) who convert cash to points on the platform 10 can be managed as members, and customers can purchase goods at the affiliated store 20 with the given points. At this time, in order to purchase goods with points, the customer (user) can perform point payment through an in-person payment method such as mobile pay.

According to various embodiments, the affiliate store 20 may serve as a point bank or a point exchange. In this case, the affiliate store 20 may serve to receive cash from a user and charge it with a point that can be settled. Accordingly, the affiliate store 20 provides the cash obtained from the user to the platform 10 side, and the platform 10 is the affiliate store. The amount of points provided to the user by the 20 side may be transferred to the affiliated store 20.

According to various other embodiments, the platform 10 may broker and manage operations such as charging, payment, and remittance of various points made through the affiliated store 20 and the customer 30.

The platform 10, the affiliate store 20, the customer 30, and the bank 40 may perform a signal transmission / reception operation related to point payment through the platform server 100, the merchant device 200, the customer terminal 300, and the bank server 400, respectively.

2 is a diagram showing the configuration of a platform server 100 according to an embodiment of the present invention.

2, the platform server 100 may include a communication unit 110, a storage unit 120, and a control unit 130. In addition, the control unit 130 may include a member information management unit 131, a consumption pattern calculation unit 132, a merchant advertisement unit 133, a consumption potential measurement unit 134, and a point management unit 135.

The communication unit 110 may use a network to transmit and receive data between a user device and a server, and the type of the network is not particularly limited. The network may be, for example, an Internet Protocol (IP) network that provides a large data transmission / reception service through an Internet Protocol (IP) or an All IP network that integrates different IP networks. In addition, the network is a wired network, a Wibro (Wireless Broadband) network, a mobile communication network including WCDMA, a High Speed Downlink Packet Access (HSDPA) network and a mobile communication network including a Long Term Evolution (LTE) network, LTE advanced (LTE-A) ), 5G (Five Generation), a mobile communication network, a satellite communication network and a Wi-Fi (Wi-Fi) network, or may be made by combining at least one of them.

The communication unit 110 according to an embodiment of the present invention may perform data transmission and reception with the merchant device 200 and the user terminal 300. In addition to this, the communication unit 110 may perform Internet communication with an external web server, from which information necessary for product advertisement and purchase promotion can be obtained.

The storage unit 120 may include, for example, an internal memory or an external memory. The internal memory includes, for example, volatile memory (eg, dynamic RAM (DRAM), static RAM (SRAM), or synchronous dynamic RAM (SDRAM)), non-volatile memory (eg, OTPROM (one time programmable ROM (PROM), programmable ROM (PROM), erasable and programmable ROM (EPROM), electrically erasable and programmable ROM (EEPROM), mask ROM, flash ROM, flash memory (e.g. NAND flash or NOR flash, etc.), hard drives, Or it may include at least one of a solid state drive (SSD).

The external memory may be a flash drive, for example, compact flash (CF), secure digital (SD), micro secure digital (micro-SD), mini secure digital (mini-SD), extreme digital (XD), It may further include a multi-media card (MMC) or a memory stick. The external memory may be functionally and / or physically connected to the electronic device through various interfaces.

The storage unit 120 according to an embodiment of the present invention may store customer information registered as a member and registered merchant information. In addition, the storage unit 120 may store product information and sales-related information obtained from each affiliate store, and may store commands and programs required to generate advertisement content based on the acquired product information and sales-related information. Furthermore, the storage unit 120 may store the advertisement content produced for the affiliated store or the product of the affiliated store.

The controller 130 may also be referred to as a processor, a controller, a microcontroller, a microprocessor, or a microcomputer. Meanwhile, the control unit may be implemented by hardware or firmware, software, or a combination thereof.

In the case of implementation by firmware or software, an embodiment of the present invention may be implemented in the form of a module, procedure, function, etc. that performs the functions or operations described above. The software code can be stored in the memory and driven by the control unit. The memory may be located inside or outside the user terminal and the server, and may exchange data with the control unit by various means already known.

The control unit 130 according to an embodiment of the present invention may include a member information management unit 131, a consumption pattern calculation unit 132, a merchant advertisement unit 133, a consumption potential measurement unit 134, and a point management unit 135.

The member information management unit 131 may classify as a member and manage information about the customers who have requested a subscription to the platform server 100 side if they meet predetermined conditions. Specifically, the member information management unit 131 may manage personal information and subscription fees of customers who are registered as members, and whether points are provided in response to subscription. Furthermore, the member information management unit 131 may collect and manage information related to a customer's purchasing power (eg, monthly salary, credit rating, property, age, etc.) or consumption power (with or without dependents).

According to various embodiments, the member information management unit 131 may manage periodic deposit information (eg, periodic deposit date, periodic deposit amount, etc.) of the customer. The member information management unit 131 may separately classify a list of members who perform an operation (point charging operation) for depositing a predetermined amount of money and converting it into points.

The consumption pattern calculating unit 132 may acquire purchase-related information, including the type of merchant using the point, the type of purchase goods, and the amount of points used. In addition, the consumption pattern calculating unit 132 may calculate the consumption pattern of the customer based on the acquired purchase information of the customer. The details related to calculating the consumption pattern of the customer in the consumption pattern calculation unit 132 will be described with reference to FIG. 3.

3 is a view showing the configuration of a consumption pattern calculating unit according to an embodiment of the present invention.

As illustrated in FIG. 3, the consumption pattern calculator 132 according to an embodiment of the present invention may include a history-based calculator 132a and a trend-based calculator 132b.

The history-based calculation unit 132a may calculate information about a user's purchase pattern based on the type of goods already purchased by the user (customer), the type of affiliate store using the point, and the date of purchase.

Specifically, the history-based calculation unit 132a may determine a cycle (1 week, 1 month, 3 months, etc.) in which purchases of items in the same field are repeatedly generated based on a user's purchase history. In addition, the history-based calculation unit 132a may determine the item area that occupies the highest proportion based on the monthly purchase history. In addition, the history-based calculation unit 132a may extract information such as whether to repeatedly visit the same affiliate store or a main visit cycle in the case of repeated visits.

For example, the history-based calculation unit 132a may calculate information such as a user periodically visiting a dentist who is a member of the month at the end of each month, or a user ordering delivery food at least once a week.

The trend-based calculation unit 132b may calculate consumption patterns of users based on consumption trends found in all customers, not personal purchase history of one customer. The trend-based calculation unit 132b may determine a sector in which consumption is increased and a consumption in which the consumption is greater than a preset ratio within a predetermined period. At this time, the trend-based calculation unit 132b may determine not only the field of consumer goods, but also individual affiliated stores and individual product items when determining the increase or decrease in consumption. Through this, the trend-based calculation unit 132b may determine the consumption trend of customers according to seasonal or environmental factors, changes in trends, and the like. In addition, the trend-based calculation unit 132b may calculate a consumer goods field expected to increase consumption and individual items included therein, based on consumption trends of customers. Likewise, the trend-based calculation unit 132b may calculate a consumer goods sector expected to reduce consumption and individual items included therein, based on consumption trends of customers.

According to various embodiments of the present disclosure, the consumption pattern calculation unit 132 may calculate a customer consumption pattern in consideration of both the user's consumption history and trends. The consumption pattern calculating unit 132 may extract consumption trend information predicted to be a customer's consumption sensitivity is higher than a reference value based on the customer's personal information such as a customer's age group, a customer's gender, and a customer's occupation group. The consumption sensitivity may mean a ratio in which the consumption increase / decrease value of the individual customer (or a specific group) coincides with the average consumption increase / decrease value. If the match rate is greater than or equal to a reference value, it may be determined that the consumption sensitivity is high.

For example, the consumption pattern calculating unit 132 may extract main consumption trends of women in their 20s and major consumption trends of men in their 30s (eg, increased consumption, reduced consumption, and sustained consumption). In response, consumption propensity can be predicted according to the age group, gender, and occupation group to which the customer belongs.

According to various embodiments of the present disclosure, the consumption pattern calculating unit 132 relates to a field in which the coincidence rate between a customer's main consumption area and a general consumption trend is greater than or equal to a preset value, a field in which the coincidence rate with the general consumption trend is less than or equal to a preset value Each of these non-existent or opposite trends can be calculated. In addition, the consumption pattern calculating unit 132 may predict a future consumption trend of the user based on the coincidence rate between the user's consumption field and the consumption trend. For example, when a user who is a female in education in her twenties has a rate of agreement between a major consumption field and a general consumption trend in the aesthetic field, the consumption trend of a female office worker in the twenties has increased more than a predetermined standard. Even if it is a skin home care related product (which belongs to the aesthetic field), it may not be reflected in the consumption pattern information of the user.

The merchant advertisement unit 133 may provide advertisements for merchants 20 registered in the platform server 100 on the customer's terminal 300. According to various embodiments, the advertisement content provided to the customer terminal 300 in the affiliated advertisement unit 133 may be produced from the affiliated device 200 and provided to the platform server 100 side. In addition, according to various embodiments, the affiliate advertisement unit 133 may generate advertisement content related to the affiliate store based on product information obtained from the affiliate device 200 and transmit the generated advertisement content to the affiliate device 200 side.

A detailed description of the merchant advertisement unit 133 will be described with reference to FIG. 4.

4 is a view showing the configuration of a merchant advertisement unit according to an embodiment of the present invention.

As illustrated in FIG. 4, the merchant advertisement unit 133 according to an embodiment of the present invention may include a location-based advertisement unit 133a, a pattern-based advertisement unit 133b, and a personalized advertisement unit 133c.

The location-based advertisement unit 133a may provide an appropriate merchant advertisement based on the current location information of the user (customer). Specifically, the location-based advertisement unit 133a may select advertisements for merchants located close to the user's current location and provide them to the customer terminal 300 side.

In addition, the location-based advertisement unit 133a may select advertisements to be provided to the customer terminal 300 based on local information that the user regularly visits and location information of new affiliates, in addition to the user's current location. For example, the location-based advertisement unit 133a may collect information on a customer's (user's) commute route from the customer terminal 300, and based on this, select an affiliate store existing within a predetermined distance from the user's commute route, and select the affiliated store Related advertisements may be provided to the customer terminal 300. The location-based advertisement unit 133a may additionally perform an operation of providing a route guidance from a user's current location detected by the customer terminal 300 to a location of an affiliate store when the advertisement content is delivered.

In addition, the location-based advertisement unit 133a may determine the type of the region where the customer mainly consumes the points and present advertisements by time zone in response. For example, the location-based advertisement unit 133a may determine whether a customer's main point consumption area is a residence-based, a travel-based, or a work-based. If it is determined that the customer's main consumption area is based on a residence, the user's location may be controlled to transmit advertisement content in a main day of the week and a main time zone (eg, Wednesday and Saturday evening time zone) identified in the residence.

The pattern-based advertisement unit 133b may provide advertisement content based on a user's consumption pattern. The pattern-based advertisement unit 133b may select and transmit appropriate advertisement content to be provided to the customer terminal 300 based on the user's consumption pattern calculated by the consumption pattern calculation unit 132. Specifically, the pattern-based advertising unit 133b is the trend-based calculation unit 132b based on the user's personal information (age group, gender, occupation group) trend information corresponding to the user's classification item (eg, female social worker in their 30s) Can be obtained from In addition to this, the pattern-based advertisement unit 133b may acquire various types of consumption pattern information (eg, history-based consumption pattern information calculated by the history-based calculation unit 132a) calculated by the consumption pattern calculation unit 132.

The pattern-based advertisement unit 133b acquires consumption pattern information calculated by the consumption pattern calculation unit 132 as described above, and then calculates a list of services, products, and merchants corresponding to the consumption pattern of the individual customer or the consumption pattern of the group to which the customer belongs. can do. Thereafter, the pattern-based advertisement unit 133b may provide an advertisement corresponding to an affiliate store providing a service, a product calculated as a list, and an advertisement corresponding to an affiliate store calculated as the list to the customer terminal 300.

Accordingly, the pattern-based advertisement unit 133b may transmit an advertisement for an affiliated store selling the corresponding item to the terminal 300 of the corresponding customer when it is determined that the repurchase time has arrived for the product periodically purchased by the customer. In addition, in the pattern-based advertisement unit 133b, there is a consumption field having a high match rate (or a high sensitivity) for trend information (consumption trend) to a specific customer, and sales of a specific good (product or service) in the corresponding consumption field are preset. In the case of showing an improvement over the reference value, advertisements corresponding to the goods and the merchants selling the goods may be provided to the terminal 300 of the specific customer. As a result, the pattern-based advertisement unit 133b may stimulate a customer's purchasing desire to promote a purchasing activity in a merchant.

The personalized advertisement unit 133c may provide the point purchase amount required for the corresponding customer to upgrade the membership level to the terminal 300 of the corresponding customer, based on the point information consumed by the specific customer. For example, if the total amount of points required to upgrade from a general member to a VIP member is 120,000 points, and the amount of points previously paid by the customer is 100,000 points, the personalized advertisement unit 133c is left to the customer. An advertisement message may be provided to purchase 20,000 additional points within a period (eg, one week). According to an embodiment, when the personalized advertisement unit 133c provides information regarding the remaining points and advertisements for additional purchase notification, a pre-purchase amount, etc. may be set, and an advertisement may be sent when the corresponding conditions are satisfied. Through the advertisement for residual point information and additional purchase notification provided by the personalized advertisement unit 133c, each customer may be stimulated with a desire to additionally consume consumption of the remaining purchase amount to upgrade his / her membership level.

Furthermore, the personalized advertisement unit 133c may provide an advertisement corresponding to the goods of the remaining purchase amount required for the membership level to be upgraded to the terminal 300 of the customer. To this end, the personalized advertisement unit 133c may classify the pre-made advertisement contents according to the amount of advertisement targets (eg, classified in units of 10,000 points). Accordingly, the personalized advertisement unit 133c can extract advertisements corresponding to the additional purchase amount required for each customer.

 The consumption potential measurement unit 134 among the components of the control unit 130 may measure the consumption potential held by the customer. According to an embodiment of the present disclosure, the consumption potential measurement unit 134 may select customers whose usage amount of points for each period is less than or equal to a preset value, and measure the possibility of future point consumption on the selected customer lists. A more detailed description of the consumption potential measurement unit 134 will be described with reference to FIG. 5.

5 is a view showing the configuration of a consumption potential measurement unit according to an embodiment of the present invention.

As illustrated in FIG. 5, the consumption potential measurement unit 134 may include a log-based determination unit 134a, an event determination unit 134b, and a loyalty determination unit 134c.

The log-based determination unit 134a may perform an operation of measuring a consumption potential score corresponding to each customer based on the customer's log record.

Specifically, the log-based determination unit 134a may collect Internet usage logs including the customer's SNS collected from the customer terminal 300. Thereafter, the log-based determination unit 134a may determine interest information of each customer based on the collected log records of the customer. More specifically, the log-based determination unit 134a may obtain a log record of a user's SNS or web site search record, a visit to the SNS or web site, and a captured picture image. Thereafter, the log record determination unit 134a may determine a region of interest for a predetermined period of time based on the acquired log record.

In addition, the log record determination unit 134a may determine the amount of point consumption related to a customer's periodic interests (eg, interests in the last week). When it is determined that the consumption related to the customer interest is less than a certain amount, the log record determination unit 134a determines that the customer's desire for consumption in the field is potential, and a predetermined score for the consumption potential in the field Can be given. In this case, it can be interpreted that the higher the consumption potential score allocated to a customer has a higher value, the higher the probability that the customer will consume the point within a certain time.

The event determining unit 134b may determine a customer's consumption potential according to whether or not an event day related to the sales rate of the theme product has arrived.

Specifically, the event determination unit 134b may determine the consumption potential of the customer for a predetermined period (eg, one week unit). For example, the event determination unit 134b may collect relationship information including family information of the customer. In addition, the event determination unit 134b may use a list of general consumption increase forecast dates such as Mother's Day, Children's Day, Christmas, Valentine's Day, New Year's Day, and Chuseok as reference event data. In addition to the above-mentioned cases, on the basis of the point usage information of a large number of customers, a specific date or period for which the total sum of points consumed by all customers is determined to be greater than or equal to a preset value may be included in the item for predicting consumption increase.

Thereafter, the event determination unit 134b may acquire event information related to the user's personal schedule and determine the consumption potential value based thereon. The event information related to the personal schedule may include anniversary information such as a wedding anniversary information of a customer and a birthday of the person and a family. In addition, the event information related to the personal schedule may include payday information directly registered by the customer or a deposit date detected by the customer terminal 300 (eg, a date when it is determined that a deposit notification is generated through a bank application on a regular basis).

Furthermore, the event determination unit 134b may predict whether an event has arrived based on a main search term detected on the portal web. For example, the event determination unit 134b may perform an operation of obtaining information related to social interests or broadcast content, and determining and processing whether the information is an event related to an increase in consumption. For example, the event determination unit 134b may extract the sudden search term information detected in the search window of the application provided by the platform server 100, or in a linked monitoring portal site or SNS. Thereafter, the event determination unit 134b classifies the factors of the rapid increase of the search term based on the extracted news article content, news article headlines, and related comment contents, but is classified by classifying according to the consumption increase related to the rapid increase factor can do. According to an embodiment of the present disclosure, when the 'OO Clo Auditing System' is detected as the main search term of the portal site to be monitored, the event determination unit 134b may determine that the sudden increase factor of the search term is due to the discount event. The relevance of search terms and consumption can be judged as class A.

The event determination unit 134b may determine that an event date related to the search word has arrived when there is an item in which the consumption increase relevance rating is higher than a reference value among the details extracted with the information on the search query.

The event determination unit 134b may determine the type of the event schedule and whether the event has arrived, in which point consumption can be promoted by various methods described above.

In addition, the event determination unit 134b may determine consumption potential for each customer according to the relationship between the search term related event attribute and customer personal information.

The loyalty determination unit 134c may determine the loyalty of the customer based on the diversity of the consumer's consumed items and whether the necessities are included. The loyalty of the customer judged by the loyalty determination unit 134c may be measured as the value of the purchase of goods and services required for life in the affiliated store registered in the platform server 100 is high. For example, in order to measure the loyalty of a customer, the loyalty determination unit 134c provides information such as the order amount for each customer's period (eg, monthly), the diversity index of purchase items, and the purchase proportion of items designated as necessities among total purchase items. Can be collected. Also, the loyalty determination unit 134c measures a user's loyalty value based on the collected information. The loyalty determination unit 134c may give a value of consumption potential in proportion to a value having a high loyalty value.

The consumption potential measurement unit 134 may measure consumption potential based on log records, event information, and loyalty values. According to an embodiment, since it is determined that the customer has a higher consumption potential, the higher the consumption potential, the consumption potential measurement unit 134 is a merchant advertisement to create and provide a customized advertisement for a customer having a large value of consumption potential. Part 133 may be requested.

Finally, the control unit 130 may include a point management unit 135 in charge of overall management of points traded in customers and affiliated stores. According to an embodiment, the point management unit 135 may check the customer's cash deposit and assign a point corresponding to the deposited amount to the customer's account (point charging). In addition, the point management unit 135 may perform a point accumulation or event point accumulation operation according to a purchase occurrence that is part of a service provided by an affiliate store and manage related information. To this end, the point management unit 135 may receive a point accumulation request signal from the affiliated device 200 and provide a predetermined point to the corresponding customer account as the point accumulation request signal is received.

In addition, according to an embodiment, the point management unit 135 may evaluate and manage a member's membership level based on a customer's point use performance. In addition, similarly, the point management unit 135 may acquire point sales performance information of not only the customer but also the affiliated store and evaluate the affiliated store rating based thereon.

Specifically, the point management unit 135 may check the amount of use of the customer's points (eg, monthly use amount, cumulative use amount), and calculate additional point purchase amount required to increase the membership level. Information related to the amount of use of points for each individual customer calculated by the point management unit 135 and the amount of purchase of additional points required for membership level upgrade may be provided to the personalized advertisement unit 133c of the merchant advertisement unit 133.

The point management unit 135 may determine sales and point collection amounts for each affiliated store as well as the customer, and based on this, statistical information of sales for all affiliated stores may be calculated.

Meanwhile, the platform server 100 can accumulate points of a customer or an affiliated store through various methods. For example, the platform server 100 may accumulate points to customers or affiliates according to methods such as direct accumulation, cumulative accumulation, and shared accumulation.

In one embodiment, the platform server 100 may allow a member to earn points by a direct accumulation method. Direct accrual is a method for accumulating additional points when a customer or a merchant signs up for membership on an app or web provided by the platform server 100 and joins another member. The platform server 100 may provide a predetermined amount of points (for example, 20,000 points) when other members are registered, or accumulate points at a predetermined rate (for example, 5%) at the time of payment of an affiliate store.

In another embodiment, the platform server 100 may allow a member to accumulate points by a cumulative accumulation method. For example, if a customer or an affiliate store registers for an app or web provided by the platform server 100, the platform server 100 may provide a predetermined number of units to the customer or the affiliate store. At this time, the unit may be configured to accumulate and store points. The platform server 100 may accumulate certain points to the unit when the unit is filled. Specifically, when various conditions are satisfied, the platform server 100 may fill the unit with points set for each condition. In this case, various conditions may be conditions such as member recommendation, product or service introduction, management contribution, plan participation, autoship activation, and the like. Another accumulation condition may be a condition for registering a member with a predetermined number or more, paying a preset point at a merchant, or donating a preset point.

In another embodiment, the platform server 100 may allow a member to accumulate points by a shared earning method. Specifically, the platform server 100 may set the reward of M won when N membership is achieved, and when N membership is completed, M / N points may be accumulated to each member. Alternatively, the platform server 100, of course, when a new member registration is completed by the promotion of a specific member, it is of course possible to accumulate a predetermined percentage of points to a specific member. As an example of the accumulation condition, the affiliate store may be registered as a shared member by donating a preset ratio or amount to the payment amount. When registered as a shared member, the merchant can earn points as much as a percentage of the total sales of the merchant instead of donating the preset points every month. For example, if the franchise stores have accumulated 2.4 million points and accumulated, 120,000 points, or 5% of the 2.4 million points, can be accumulated, and the accumulated 120,000 points can be donated to the shared linking program to register as a shared member. After registering as a shared member and donating 12,000 points, which is 5% of the monthly payment of 240,000 points, the target member or the merchant who has become a shared member can distribute points for 1% of the total merchant sales to other shared members. .

Platform 10 of the present invention can provide a reward for a given loyal customer by paying a point corresponding to a certain percentage of the total sales of affiliated stores to a customer satisfying a predetermined condition according to various embodiments. In addition, in order to perform such customer compensation, the point management unit 135 may perform an operation of determining in advance customers who satisfy the conditions for awarding reward points (eg, accumulated points 120,000P, monthly 12,000P donations). have.

 In addition, the point management unit 135 may perform a cash refund operation of converting cash received from a customer into points and providing points to the customer, as well as converting points held by the customer or affiliated store into cash. The point management unit 135 may determine whether a refund request for refunding points in cash from a customer or an affiliate store is received. In addition, when a request for refund is received, the point management unit 135 may perform an operation of depositing cash of a value corresponding to the amount of points requested for refund to the account previously registered by the customer.

In addition, the point management unit 135 may perform various other points providing functions. For example, the point management unit 135 is recognized for publicity activities when the point is charged, when the point is used at the affiliate store, when it is recognized as a recommender (eg, when another customer registers as an ID at the time of membership registration, etc.) Points may be paid to the target customer account in at least one of the cases (for example, when a product advertisement or a merchant advertisement sold by a merchant is uploaded to a personal SNS).

Platform 10 according to an embodiment of the present invention may issue a real point card capable of using points to customers registered as members. Accordingly, customers can use a point card to make payments from merchants to points. At this time, the point card may include a barcode, etc., and the merchant device 200 may scan the barcode of the customer's point card to check the amount of the point of possession, and perform payment in a manner that is deducted by the amount of use. In addition, the customer can perform point payment using a mobile pay function (eg, check pay 1s, check wallet 1s, etc.). Accordingly, the point management unit 135 may manage costs (mobile payment system usage fees, etc.) required in a payment situation between a customer and an affiliated store. According to an embodiment, the point management unit 135 may provide a mobile payment system fee for point payment or a corresponding point amount to a merchant that satisfies a preset condition (eg, sales, point transaction amount, etc.) among the affiliated stores. have.

6 is a view showing the configuration of a merchant device according to an embodiment of the present invention.

Merchant device 200 according to an embodiment of the present invention, as shown in Figure 6, may be configured to include a communication unit 210, storage unit 220, the control unit 230. In addition, the control unit 230 may include a sales management unit 231 and a service information providing unit 232.

The communication unit 210 may include, for example, a cellular module, a WiFi module, a Bluetooth module, a GPS module (eg, a GPS module, a Glonass module, a Beidou module, or a Galileo module), an NFC module, and a radio frequency (RF) module.

The cellular module may provide, for example, a voice call, a video call, a text service, or an internet service through a communication network. According to an embodiment, the cellular module may perform identification and authentication of electronic devices in a communication network using a subscriber identification module (eg, a SIM card). According to an embodiment, the cellular module may perform at least some of the functions that the processor can provide. According to an embodiment, the cellular module may include a communication processor (CP).

Each of the WiFi module, the Bluetooth module, the GPS module, or the NFC module, for example, may include a processor for processing data transmitted and received through a corresponding module. According to some embodiments, at least some (eg, two or more) of a cellular module, a WiFi module, a Bluetooth module, a GPS module, or an NFC module may be included in one integrated chip (IC) or IC package.

The RF module, for example, may transmit and receive communication signals (eg, RF signals). The RF module may include, for example, a transceiver, a power amp module (PAM), a frequency filter, a low noise amplifier (LNA), or an antenna. According to another embodiment, at least one of a cellular module, a WiFi module, a Bluetooth module, a GPS module, or an NFC module may transmit and receive an RF signal through a separate RF module.

The communication unit 210 according to an embodiment of the present invention may perform communication for data transmission and reception with the server 100 of the present invention. The communication unit 210 may receive advertisement content from the server 100 according to an embodiment, and provide sales information for each sales item, point payment information, and the like to the server 100. In addition, the communication unit 210 may transmit information (eg, point amount information, etc.) corresponding to the platform fee or promotion fee to the platform server 100.

The storage unit 220 according to an embodiment of the present invention may store product-related information and sales-related information. Furthermore, the storage unit 220 may store advertisement content information received from the server 100. According to an embodiment, the advertisement content received from the server 100 may be played through a display device or the like provided at the affiliated store.

The control unit 230 according to an embodiment of the present invention may include a sales management unit 231 and a service information providing unit 232.

The sales management unit 231 may manage order and payment related operations of each of the affiliated stores. The sales manager 231 may separately manage cash sales at the corresponding store and point sales.

According to an embodiment, each affiliate store may perform a point exchange function such as point payment, remittance of points to others, as well as payment of points by customers. Point transactions, such as recharging points offline through a franchise store, can be mainly performed for those who are unable to open a passbook, such as credit delinquents, multicultural residents, and foreigners.

In this case, each affiliate store can perform transactions such as recharging of points, remittance, and refund of customers, and obtain an agency fee accordingly. At this time, the sales management unit 231 may calculate a transaction amount such as point charging, remittance, or refund of customers and a commission amount corresponding to the transaction amount, and perform an operation of subtracting the point fee of the corresponding amount as the transaction is performed.

The service information providing unit 232 may select and provide information related to a service provided to a consumer by a merchant in the platform server 100 side. According to an embodiment of the present disclosure, the service information providing unit 232 may list products or service items according to ranking of sales or sales in order to select service information to be provided to the platform server 100 side. According to an embodiment, the item information according to the sales volume or sales ranking arranged as a list may be automatically provided to the server 100 every set period (eg, for each day).

According to various embodiments of the present disclosure, the service information providing unit 232 extracts information such as a service (product) item that records a sales amount exceeding a predetermined reference value, an item whose sales increase or decrease rate is higher than a reference value, and periodically selects only the extracted item information to perform server It can be provided on the 100 side. In addition, the service information providing unit 232 may acquire the customer ID information of the point card account corresponding to the purchased product (or service) when the customer performs payment using the point card, and accordingly You can also check information such as age group of purchase and major occupation group. Accordingly, the service government providing unit 232 may provide information related to such major purchase customers to the server 100 side.

7 is a view showing a process of cashing a fee according to an embodiment of the present invention.

 As illustrated in FIG. 7, the controller 130 according to an embodiment of the present invention performs operation 705 of providing screens and information related to a service provided by a platform to a user (customer) device in response to a user's app execution operation can do.

Thereafter, the user may request a point refund, and accordingly, the controller 130 may perform operation 710 to confirm a request for a point refund received from the user. In addition, the controller 130 may perform operation 715 of providing screen information requesting to input additional information required for the refund in response to the user's point refund request.

Thereafter, when the input of additional information is confirmed 720, the control unit 130 may perform operation 725 of donating a certain percentage of the amount of points requested for refund. The donation processing operation may be performed, for example, with providing a screen informing the user that a certain percentage of points are deducted. Alternatively, the control unit 130 may subtract a certain percentage of the amount of points requested for refund from the corresponding user account information, and then add it to the accumulated amount of the donation account. In addition, the controller 130 may display a result screen on the user device side in which the accumulated amount of donations is increased by the amount of the point deduction in the user account.

In addition, the controller 130 may perform operation 730 of controlling to deposit cash corresponding to the requested amount of refund into the user account after the donation processing operation. The user account information may be obtained through additional information identified in operation 720 or may be obtained from information previously stored in the account information.

In addition, the platform server 100 of the present invention can implement more various services. The platform server 100 can confirm that the points have been paid at a pre-registered affiliate store, in which case it can be controlled to accumulate points at a preset rate (eg, 5%). In addition, a predetermined ratio (e.g., 1%) of the total sales of all affiliates is paid to a member who satisfies the preset condition (e.g., shared membership class; may be qualified based on the amount of point expenditure, donation, etc.) , It can be controlled to pay by 1 / N per month.

In addition, the platform server 100 may support free use of the payment system as it is confirmed that it is a pre-registered member. At this time, the payment system may support a payment method performed using a credit card, a check card, and various mobile payments without going through VAN. (Even if there is no separate card terminal at the time of payment at the affiliated store, it is a system that receives points through a communication network such as the Internet and refunds the points that are paid later in cash, so it will be paid without going through VAN). In order to perform services such as settlement of payments through banks, account transfer, transfer, recharge, and ATM withdrawal, the platform server 100 checks accounts between users and merchants and moves points (payment) function, checks accounts between users and other users And a point movement (remittance) function.

Furthermore, the platform server 100 may evaluate the degree of publicity and advertisement activities of the user (member) or the affiliated store, and provide compensation corresponding thereto. According to an embodiment, when it is determined that the user or the affiliate store has performed the publicity and advertisement activity (eg, the SNS advertisement link performed by registering on the platform server 100, etc.) that meets the predetermined criteria, the user who meets the criteria Alternatively, reward points may be provided to the affiliated stores. The reward points, such as 20,000 points for individuals, 200,000 points for merchants, may be different in the case of merchants and individual users.

In addition, the platform server 100 may control to accumulate reward points to users who newly register any users who satisfy certain criteria. At this time, the conditions for the reward points are paid, the membership level of the newly registered user is higher than or equal to the reference level (eg, the regular member level), and the relationship information of the newly registered user (eg, the recommendation information of the newly registered user) is registered. Conditions may apply. Alternatively, when it is determined that the newly registered user has performed the payment of points above the threshold at a specific affiliated store designated by the application provided by the platform server 100, the reward points for the reward may be accumulated to the user who is the recommender. In addition, if the basis of the continuous and stable point accumulation activity of the new registered user (point accumulation according to point charging, payment, etc.) is confirmed by the charging period, the amount, etc., the user can be redeposited.

Although the present invention has been described in detail with reference to the above-mentioned examples, those skilled in the art can make modifications, alterations, and modifications to the examples without departing from the scope of the present invention. In short, in order to achieve the intended effect of the present invention, it is not necessary to separately include all the functional blocks shown in the drawings or to follow all the order shown in the drawings in the order shown, and even if not, any number of technical aspects of the present invention described in the claims Note that it can fall within the scope.

10: Platform
20: Merchant
30: customer
100: platform server
200: merchant device
300: customer terminal
110: (server) communication department
120: (server) storage
130: (server) control unit
131: Member Information Management Department
132: consumption pattern calculation unit
133: Merchant advertising department
134: consumption potential measurement unit
135: point management unit

Claims (7)

A platform server that provides points corresponding to the deposited cash as payment from the customer is confirmed, supports payment from the registered merchants to the above points, and determines sales status information based on the details paid by the points ;
A merchant device that acquires points corresponding to the value of a product or service from a customer according to a customer's request for payment of points, and records item information of the product or service sold; and
It includes; a customer terminal that manages the point information held by the customer and transmits information about the point payment history and the purchased product or service item to the platform server as payment is performed.
The platform server
An advertisement advertising unit that generates advertisement content based on consumption-related information obtained from the customer terminal and the affiliated device, and transmits the generated advertisement content to the customer terminal, but provides customized advertisements when the consumption potential value is above a reference value. ;
It includes; consumption potential measurement unit to select customers whose period point usage amount is less than or equal to a preset value, and to measure future point consumption probability on the selected customer list;
The merchant advertising department
The location where the customer's main point consumption area is determined as one of the residence-based area, travel-based area, and work-based area, and the location where the customer's location is provided with advertising content in the main day and time zone corresponding to the type of the main point consumption area Includes; advertising base;
The consumption potential measurement unit
If the Internet usage log is collected from the customer's SNS, and based on the collected log, the customer's interest area for each period is determined. A log-based judgment unit that judges that it is in order to give a consumption potential score;
An event determination unit determining a consumption potential based on event information predicted to increase the consumption of the customer, and determining a consumption potential value related to the event date related to the customer's family member and the personal date of the customer; and
Includes a loyalty determination unit for measuring a customer's loyalty value based on the diversity index of the purchased item, and giving a consumption potential score in proportion to the loyalty value.
The loyalty determination unit
The customer's loyalty is judged based on the diversity of the consumer's consumed items and whether or not the daily necessities are included. Point payment support system, characterized in that to measure the high value. According to claim 1,
The platform server
Classify customers who made a request for membership, and manage member information for those customers.
Point payment support system characterized in that it comprises; a member information management unit for obtaining and managing member information including customer purchasing power, consumption power and periodic deposit information. According to claim 1,
The platform server
It includes; a consumption pattern calculation unit for acquiring purchase-related information including at least one of the type of the merchant using the point, the type of purchase goods, and the amount of points used, and calculating the consumption pattern of the customer based on the purchase-related information; ,
The consumption pattern calculation unit
A history-based calculation unit for extracting cycle information including a cycle in which repetition of items in the same field occurs based on a customer's consumption history and a main visit cycle of the same merchant; And
Point payment support system characterized in that it comprises; a trend-based calculation unit for determining the information on the sector, merchants and individual product items of the consumer goods where the increase and decrease in consumption over a predetermined rate within a predetermined period. delete delete According to claim 1,
The platform server
Performing a point charging operation to a customer's account according to a customer request, performing a point accumulation operation to grant a point for an event to a selected customer account according to a request from an affiliate store, and performing a member rating evaluation based on the customer's point usage performance Point management unit; Point payment support system comprising a. According to claim 1,
The merchant device
When a point transaction including point charging, point remittance, and point refund occurs, the sales management unit calculates a point transaction item and a commission amount corresponding to the transaction amount, and acquires a point corresponding to the commission amount from the trading party; And
And a service information providing unit that periodically transmits information on a product or service item recording sales volumes above a reference value to the platform server.

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