KR102277204B1 - Reformint service platform and Reformint service method - Google Patents

Abstract

The present invention relates to a Reform Mint service platform and a Reform Mint service method. The re-mint service method includes the steps of: a first point server transmitting an extinction notification and a conversion inquiry module of a first payment point to a user point management module; information on whether the user point management module manages the first payment point to a platform server transmitting, by the platform server, the point management abandonment information or the point management acceptance information to the first point server, the platform server receiving the first payment point from the first point server; Transmitting, by the platform server, point value information excluding the fee from the first payment point to the user point management module, the user point management module applying for point conversion to the platform server, and the platform server performing the first step and transferring the conversion point corresponding to the payment point to the user's name.

Description

Reformint service platform and Reformint service method

The present invention relates to a Reform Mint service platform and Reform Mint service method for extending the validity period of points that are scheduled to expire through customer confirmation.

Recently, consumers do not need to carry cash and are using various payment methods, including credit cards, due to the advantages of being able to receive income deductions for the amount used.

As the use of non-cash payment methods such as credit cards increases and competition for customers from each payment method provider intensifies, each payment method provider provides a point service that accumulates points in proportion to the amount of payment method used by customers. When points are accumulated over a certain number of points, the customer can use the points to purchase goods like cash at an online shopping mall operated by each payment method provider.

However, in order for customers to purchase necessary products using these points, a considerable amount of payment method experience is required. In addition, since the validity period of the points exists, there is a problem in that the customer's opportunity to use the points is limited.

SUMMARY OF THE INVENTION An object of the present invention is to provide a Reform Mint service platform and a Reform Mint service method that inform customers that there are points that are scheduled to expire and allow the informed customers to use the points by extending the validity period.

Another object of the present invention is that a financial company, a mobile communication company, an airline, a point conversion system, and a platform operator hold customer information, so that a customer can perform personal authentication and point conversion processing of a financial company, a mobile communication company and an airline at once with one-time authentication It is to provide a Reform Mint service platform and Reform Mint service method.

Another object of the present invention is to provide a Reform Mint service platform and Reform Mint service method that allow customers to use points in various affiliated merchant infrastructures by diversifying affiliate partners so that points converted by customers can be used online and offline. will do

The objects of the present invention are not limited to the above-mentioned objects, and other objects and advantages of the present invention not mentioned may be understood by the following description, and will be more clearly understood by the examples of the present invention. Moreover, it will be readily apparent that the objects and advantages of the present invention may be realized by the means and combinations thereof indicated in the claims.

The Reform Mint service method according to some embodiments of the present invention for solving the above problems includes the steps of, by a first point server, transmitting an extinction notification and conversion inquiry module of the first payment point to a user point management module, the user point management module Transmitting information on whether the first payment point is managed to the platform server, the platform server transmitting point management abandonment information or point management acceptance information to the first point server, from the first point server to the platform The server receiving the first payment point, the platform server transmitting point value information excluding the fee from the first payment point to the user point management module, the user point management module points to the platform server applying for conversion and transferring, by the platform server, a conversion point corresponding to the first payment point to the user's name.

The Reform Mint service platform according to some embodiments of the present invention for solving the above problems receives the point management status information from the user point management module, transmits the point management information to the first point server, and the first point server Receives the first payment point from the user point management module and transmits a notification of extinction of the first payment point to the platform server receiving the point conversion application from the user point management module and the user point management module, and managing the points from the platform server and a first point server for receiving information and transmitting the first payment point to the platform server.

The Reform Mint service platform and Reform Mint service method according to the present invention increase the opportunity for customers to use points by notifying customers of points that are about to expire and allowing them to use the points by extending the validity period of the points, thereby increasing customer satisfaction with point use. can be raised

In addition, according to the present invention, the time and effort required for the point conversion by the customer can be reduced by unifying the point conversion application and identity authentication that the customer had to individually perform to each point manager into the Reform Mint service platform.

In addition, the present invention can increase the customer's convenience in using the points by allowing the customer to use the points possessed through various affiliated store infrastructures.

The specific effects of the present invention in addition to the above will be described together while describing specific details for carrying out the invention below.

1 is a view for explaining some embodiments of the present invention.
2 is a view for explaining a process of generating a payment point according to an embodiment of the present invention.
3 is a diagram for explaining a process in which points are converted according to an embodiment of the present invention.
4 is a diagram for explaining a process in which points are exhausted according to an embodiment of the present invention.
5 is a block diagram showing the configuration of a PMP (Point Market Platform) service system according to an embodiment of the present invention.
6 is a flowchart illustrating a process in which the user 20 acquires platform points through the PMP service according to an embodiment of the present invention.
7 is a flowchart for explaining a process in which a platform point of the user 20 is converted into a point of a third party through the PMP service according to an embodiment of the present invention.
8 is a flowchart illustrating a process in which the platform point of the user 20 is used through the PMP service according to an embodiment of the present invention.
9 is a flowchart illustrating an example of a Reform Mint service platform according to an embodiment of the present invention.
10 is a diagram for explaining another example of a Reform Mint service platform according to an embodiment of the present invention.

The terms or words used in this specification and claims should not be construed as being limited to a general or dictionary meaning. In accordance with the principle that the inventor can define a term or concept of a word in order to best describe his invention, it should be interpreted as meaning and concept consistent with the technical idea of the present invention. In addition, the embodiments described in the present specification and the configurations shown in the drawings are only one embodiment in which the present invention is realized, and do not represent all the technical spirit of the present invention, so they can be substituted at the time of the present application. It should be understood that there may be various equivalents and modifications and applicable examples.

Hereinafter, the Reform Mint service platform according to an embodiment of the present invention will be described in detail with reference to the drawings.

1 is a diagram for explaining a Reform Mint service platform according to some embodiments of the present invention.

The Reform Mint service platform may include a point server 10 and a platform server 30 .

The point server 10 may manage payment points of the point managers 40 , 50 , 60 , and 70 , respectively. Although one point server 10 is illustrated, it may exist for each point manager 40 , 50 , 60 , 70 . The point server 10 may record and store the accumulation and use of payment points for the point managers 40 , 50 , 60 , and 70 of the user 20 .

The user 20 may make a payment to the point management companies 40 , 50 , 60 , and 70 , and accumulate a certain amount of payment points as a reward. The payment point may be recorded in the point server 10 . At this time, making a payment to the point manager 40 , 50 , 60 , 70 includes making a payment to a store or service infrastructure linked to the point manager 40 , 50 , 60 , 70 .

The user 20 may use the accumulated payment points to pay later at the point management companies 40 , 50 , 60 , and 70 . In principle, the settlement points are separated for each point manager (40, 50, 60, 70), and each settlement point cannot be used by different point managers (40, 50, 60, 70).

The point management companies 40 , 50 , 60 , and 70 may include, for example, a financial company, a mobile communication company, or an airline. The point management companies 40 , 50 , 60 , and 70 may be companies that operate infrastructures individually from each other. The point management companies 40 , 50 , 60 , and 70 may each operate a payment point system that can be used in the linked infrastructure. At this time, each payment point may be managed through the point server 10, respectively.

In principle, the user 20 may acquire and use payment points through the first route (Route 1). That is, the user 20 may obtain payment points for each point manager 40, 50, 60, 70 in the point server 10 and use it for each point manager 40, 50, 60, 70 .

The platform server 30 may receive a point conversion request from the user 20 . The platform server 30 may convert one payment point among the point managers 40 , 50 , 60 , and 70 of the user 20 to another payment point in response to a point conversion request. Through this, the user 20 may convert the payment points of a specific point manager into payment points that can be used by other point managers.

The platform server 30 may convert the payment point into the prepaid electronic money 31 in response to the point conversion request of the user 20 . The point managers 40 , 50 , 60 , and 70 may issue the prepaid electronic money 31 using their own payment points, respectively. Accordingly, the prepaid electronic money 31 may be used in the infrastructure of each point manager 40 , 50 , 60 , 70 .

Each payment point may have an expiration date. The payment points may be expired when a predetermined validity period has elapsed. Accordingly, the point server 10 may notify the user 20 of the validity period for each corresponding payment point. Through this, the user 20 can be guaranteed an opportunity to use the unused payment points before they expire.

The point server 10 may inquire about the intention to convert points while notifying the user 20 of the validity period. The payment point of the point server 10 for which the user 20 wants to convert points may be destroyed, and a platform point corresponding to the expired payment point may be generated in the platform server 30 .

Here, the platform point is a point separate from the payment point of the point manager 40, 50, 60, 70, and is provided by the platform operator corresponding to the platform server 30, or a point provided by an affiliate of the platform operator. it means. The platform points may be used at a store or service provider associated with the platform operator.

In this case, the platform points may be converted into prepaid electronic money 31 and used. In this case, the platform points may be issued as a Bank Identification Number (BIN) code in the name of the point manager (40, 50, 60, 70).

Hereinafter, a detailed process in which payment points and platform points are accumulated, converted, and used will be described.

2 is a view for explaining a process of generating a payment point according to an embodiment of the present invention.

Referring to FIG. 2 , the user 20 may pay the point manager 40 for goods or services. Accordingly, payment points corresponding to the paid amount may be accumulated to the user 20 . The accumulated payment points may be stored in the point server 10 .

Although only one point manager 40 is illustrated in FIG. 2 , payment points may be generated for other point managers in the same manner.

3 is a view for explaining a process in which payment points are converted according to an embodiment of the present invention.

Referring to FIG. 3 , first, the point server 10 may provide the user 20 with information on the expiration date and expiration date of the payment point. In addition, the point server 10 may inquire of the user 20 about the intention to switch points.

The user 20 may transmit to the point server 10 a point conversion request for converting the payment points scheduled to expire into platform points. Since the user 20 cannot determine whether to use the expired payment point, it may be necessary to convert the point to another point or prepaid electronic money 31 .

The platform server 30 may receive the payment point of the user 20 from the point server 10 according to the point conversion request of the user 20 . The platform server 30 may provide the user 20 with another payment point or prepaid electronic money 31 corresponding to the received payment point.

Specifically, the user 20 may immediately check the holding of the calculated and remaining platform points, but the actual movement of the points may be performed through more steps. For example, the platform server 30 may receive an amount corresponding to the payment point converted from the point server 10 through account transfer between mutual bank accounts. As a result, the value of the payment points excluding the fee may be transferred to the user 20 and returned to the platform server 30 , which may coincide with the platform points confirmed by the user 20 .

4 is a diagram for explaining a process in which points are exhausted according to an embodiment of the present invention.

Referring to FIG. 4 , the user 20 may provide the held platform points to the platform server 30 , and the platform server 30 may provide payment points corresponding to the provided platform points. In this case, the provided payment point may be a payment point of the point manager 50 selected by the user 20 .

In this case, the payment point provided by the platform server 30 may be a payment point purchased from the point server 10 of the point manager 50 . Here, the act of purchasing and providing the payment point may be an action of changing the attribution of the payment point in the point server 10 . That is, when the payment point purchased by the platform server 30 is provided to the user 20 , the payment point may be changed to be owned by the user 20 and recorded in the point server 10 . Subsequently, the user 20 may use the provided payment points for the infrastructure of the point manager 50 that can use the corresponding payment points.

Hereinafter, with reference to FIGS. 1 to 5 , a detailed structure of the PMP (Point Market Platform) service system of the present invention in which the accumulation, conversion and use of points is carried out will be described in detail.

5 is a block diagram showing the configuration of a PMP (Point Market Platform) service system according to an embodiment of the present invention. Here, PMP means a platform where points are traded. Each unit and module shown in FIG. 5 may be implemented in hardware and/or software.

Referring to FIG. 5 , the PMP service system includes a user point management module 25 , a platform server 30 , and a point server 10 .

Specifically, the user point management module 25 refers to an online or mobile module directly accessible to the user 20 of FIGS. 1 to 4 . That is, the user point management module 25 may exist in the form of an Internet website or a mobile application. The user 20 may access the user point management module 25 through a smart device such as a mobile phone or a computing device.

The user point management module 25 includes a user point management unit 200 . The user point management module 25 may communicate with the platform server 30 and the point server 10 . In this case, the user point management module 25 may transmit the point conversion request of FIG. 1 to the platform server 30 .

The user point management unit 200 may include a point value management status display unit 220 and a point extinction management selection module unit 210 .

The user point management unit 200 may receive the user's payment point and status data of the platform point from the platform server 30 and the point server 10 . The point value management status display unit 220 may display the user's payment point and status data of the platform point received from the platform server 30 . Accordingly, the user 20 may check the type and scale of the payment points currently owned by the user 20 through the point value management status display unit 220 . In addition, the user 20 can check the scale of the platform points he owns through the point value management status display unit 220 . In addition, the point value management status display unit 220 may also display the point disposition details.

The point expiry management selection module unit 210 may include a point processing right change information reception unit 211 and a point processing right transfer selection/notation transmission unit 212 .

The point processing right change information receiving unit 211 receives information that the user 20 responds to the message transmitted by the point extinction management selection module unit 210 . Specifically, the point processing right change information receiving unit 211 is a guide message in which the point manager 40, 50, 60, 70 is notified with a separate point expiration date before the user 20's point expires. It plays a role in receiving guidance on the details of changes that have been left to be managed by a person, have been selected to be transferred, or whose management has been relinquished.

In the process of asking the user 20 whether to manage the points suggested by the platform operator, the transmission unit 212 transmits the result information of whether the user 20 selects management or not to the platform server 30 and the point server (10) is forwarded.

The point value management status display unit 220 displays to the user 20 the status of the point value that the platform operator holds in the name of the user 20 . For example, the point value management status display unit 220 may display the point size of the user 20 , the rights disposition history, and information of the point managers 40 , 50 , 60 , and 70 in which the point value is stored.

The platform server 30 may include a platform point management unit 30 . The platform point management unit 30 includes a point extinction management selection module providing unit 310 , a point extinction management selection information storage unit 320 , a point authority change processing module providing unit 330 , and a point purchase processing result storage unit 340 . include The platform server 30 may communicate with the user point management module 25 and the point server 10 .

Specifically, the point extinction management selection module providing unit 310, including the contents of the payment points of the point managers (40, 50, 60, 70) selectable by the user 20, the user point management module 25 Send the selection module to For example, the point server 10 separately sets the expiration date for the points before the payment points of the user 20 expire, and at the same time, the platform server 30 selects other point managers 40 that the user 20 can select. , 50, 60, 70) may serve to present to select payment points or platform points.

The point extinction management selection module providing unit 310 may include a point processing right change history guide 311 . The point processing right change history guide unit 311 transmits, among the guide messages that the point server 10 informs about the expiration date of the payment point, the change details left to be managed by the platform operator, chosen to be transferred, or the management given up It may serve to provide data of the platform server 30 to guide the (20).

The point extinction management selection information storage unit 320 stores the result of the user 20 responding to the message transmitted by the point extinction management selection module unit 210 in the platform server 30 .

The point authority change processing module providing unit 330 provides a common module provided by the platform operator as a standard to the plurality of point managers 40 , 50 , 60 , and 70 . The corresponding module may be included in a message transmitted to the user 20 by the point extinction management selection module unit. For example, the point authority change processing module providing unit 330 determines whether to entrust the management of the payment point before the expiration of the payment point through the platform operator for the payment point in the point extinction guide message transmitted to the user 20 It plays a role of making a selection and storing the selected result information in the platform server 30 . At this time, the platform operator has the technical authority for supply, change, and server interworking of the module.

The point rights change processing module providing unit 330 may include a point processing rights change history storage unit 331 .

The point processing right change history storage unit 331 stores details in which the user 20 responds to the transfer or abandonment of payment points to the message transmitted by the point extinction management selection module unit 210 . In this case, the point processing right change history storage unit 331 may additionally store data on the point conversion application and conversion result of other point management companies 40 , 50 , 60 , and 70 to the payment point.

The point purchase processing result storage unit 340 stores the point value of the payment points purchased by the platform operator on behalf of the user 20 .

The point server 10 includes a settlement point management unit 100 . The point server 10 communicates with the user point management module 25 and the platform server 30 .

The payment point management unit 100 manages the payment points accumulated whenever the user 20 purchases goods and services using a payment method possessed by the user 20 . The payment point management unit may include a user identification unit 110 , a point extinction notification unit 120 , a point generation unit 130 , a point processing result storage unit 140 , and a point authority change processing module unit 150 .

Specifically, the user identification unit 110 checks whether the user 20 matches the owner of the payment point. At this time, if the user 20 does not join the point manager 40, 50, 60, 70 as a member, the user identification unit 110 performs the user 20's membership registration procedure and completes the membership application. can be processed

The point expiry notification unit 120 transmits, to the user 20 , a guide on the points scheduled to expire when the expiration date of the payment points held by the user 20 is imminent.

The point generating unit 130 generates points as a percentage of the amount paid by the user 20 through the infrastructure of the point management companies 40 , 50 , 60 , and 70 , and accumulates them in the name of the user 20 .

The point processing result storage unit 140 stores whether the user 20 entrusts point management to the platform operator.

The point authority change processing module 150 allows the user 20 to select whether or not to entrust the management of the point to be expired through the platform operator, and processes the selection of the user 20 . The point rights change processing module unit 150 may include a point processing rights change history storage unit 331 .

The point processing right change history storage unit 331 stores the user 20's response to whether the user 20 entrusts the point management to the platform operator.

Hereinafter, an operation process of the PMP service according to an embodiment of the present invention will be described in detail with reference to FIGS. 1 and 6 to 8 .

6 is a flowchart illustrating a process in which the user 20 acquires platform points through the PMP service according to an embodiment of the present invention.

Referring to FIGS. 1 and 6 , first, the point server 10 transmits a notification about the point to be destroyed to the user point management module 25 ( S101 ). In this case, SMS, SNS, e-mail, etc. may be used as the notification transmission method, but this is only an example, and all message delivery means may be used.

Next, the user 20 checks the notification transmitted through the user point management module 25 (S102). In this case, the user 20 may check the notification through an application or website accessible through the user point management module 25 .

Next, the user 20 selects whether to manage the points for whether to convert the holding payment points into platform points (S103).

If the user 20 needs to authenticate himself, the user 20 completes the identity authentication procedure determined by the point manager 40, 50, 60, and 70 (S103-1).

Through this, the user 20 can perform the point conversion of each point manager 40, 50, 60, 70 in the name of the user 20 with one-time authentication, and the user 20 participating in the point conversion Time and effort can be reduced.

Next, the user 20 transmits information on whether to manage the points to the platform server through an application or website (S104). The platform server receives the information transmitted by the user 20 and determines the response of the user 20 .

In this case, the response of the user 20 may be collected through a link button or a link-internet address (link-url). However, this is only an example, and the method of collecting the user's 20 response may be variously modified and implemented. For example, the response of the user 20 may be collected through self-authentication, and the self-authentication method used for the response includes other biometric methods such as iris recognition, fingerprint recognition, and vein recognition, one-time code authentication methods such as OTP, etc. may be included.

If the user 20 responds with abandon as to whether to manage the point or not, the platform server 30 registers the corresponding information and transmits the corresponding information to the point server 10 (S105-1).

The point server 10 receiving the corresponding information registers the corresponding information and registers and processes the point abandonment information (S105-1-1).

On the other hand, when the user 20 responds with acceptance to whether or not to manage the point, the platform server 30 registers the corresponding information and transmits the corresponding information to the point server (S105-2).

The point server that has received the corresponding information registers and processes information that the authority of point management is transferred to the platform operator (S105-2-1).

Subsequently, the point transmits to the platform server 30 that information related to abandonment or acceptance of the point management of the user 20 is registered (S106).

Then, the platform server 30 receives 100% of the payment points accumulated in the name of the user 20 from the point server 10 through the acceptance of the point management of the user 20 (S107). The platform server 30 may store the received payment points in the form of payment points of a platform operator. In this case, the platform server 30 may store the cash as the basis for receiving the cash through actual transfer or the like.

Next, the user 20 completes membership registration with the platform operator (S108). At this time, the user 20 may proceed with the membership registration procedure by downloading the application.

Subsequently, in the process of transferring points by the user 20 accepting the point management of the platform operator, the platform server 30 sets the value corresponding to the fees of the point managers 40, 50, 60, and 70 and the platform operator's fees. The point value information of the user 20 subtracted from is transmitted to the user 20 (S108-1).

For example, if the fee of the point manager (40, 50, 60, 70) is 2% and the fee of the platform operator is 3%, the platform server deducts 5% from the points of the user 20. Information may be transmitted to the user 20 . However, the present invention is not limited thereto, and the fees of the point managers 40, 50, 60, and 70 and the fees of the platform operators may be set in various ways.

Next, the user 20 checks the point value according to the point management selection through the user point management module 25 ( S109 ). For example, according to the point management selection, the payment points of the point managers 40, 50, 60, and 70 of the user 20 are transferred to the platform operator, thereby confirming that 95% of the original point value remains. In addition, the user 20 may check the point value when the point management is abandoned and the point value when the point management is accepted.

Next, the platform server 30 suggests to the user 20 to switch to a third-party payment point provided by the platform operator through the user point management module 25 ( S110 ).

Next, the user 20 applies for conversion to a third-party payment point within the suggested selection range (S111).

Then, the platform server 30 substitutes a third-party payment point selected within the platform point value range of the user 20 ( S112 ).

The platform server 30 provides the third-party payment point purchased by proxy to the user 20 (S113). The platform server 30 may provide a third-party payment point to the user 20 by deducting a platform usage fee. In this case, the third-party payment point may include prepaid electronic money of a prepaid electronic money company affiliated with the platform server 30 .

7 is a flowchart illustrating a process in which a platform point of the user 20 is converted into a point of a third party through the PMP service according to an embodiment of the present invention.

Referring to FIGS. 1 and 7 , first, the user 20 requests the platform server 30 to inquire about the point holding value of the point managers 40 , 50 , 60 , and 70 ( S210 ).

Next, the user 20 selects the point managers 40 , 50 , 60 , 70 storing the extinction target points to be transferred and the point managers 40 , 50 , 60 , 70 of the transfer target ( S220 ).

If the user 20 is not a member of the point manager 40, 50, 60, 70 of the transfer target, the user 20 performs a membership registration procedure (S221). On the other hand, if the user 20 is a member of the point manager 40, 50, 60, 70 of the transfer target, the point manager 40, 50, 60, 70 performs a user authentication procedure (eg, a card number or a mobile phone number). number authentication).

Next, the point server 10 of the transfer target transmits to the platform server 30 that the user 20's identity authentication and membership registration have been completed (S230).

Next, the platform server 30 requests the user 20 to select the point managers 40 , 50 , 60 , 70 to which the payment points are to be transferred and the payment points scheduled to expire ( S240 ).

Then, the user 20 selects the point manager 40, 50, 60, 70 to which the point is to be transferred and the point scheduled to expire and transmits it to the platform server (S250). The point managers 40, 50, 60, and 70 to transfer the points may include a prepaid electronic money issuer.

Then, the platform server 30 transfers the payment points between the point managers 40, 50, 60, and 70 (S251).

Subsequently, the platform server 30 notifies the user 20 that the points have been transferred between the point managers 40, 50, 60, and 70 (S252). In this case, the platform server 30 may issue prepaid electronic money with the BIN code of the corresponding point manager (40, 50, 60, 70).

8 is a flowchart illustrating a process in which the platform point of the user 20 is used through the PMP service according to an embodiment of the present invention.

Referring to FIG. 8 , first, the user 20 requests the platform server to confirm that the user 20 has a third-party payment point (S310).

Next, the user 20 selects a purchase item from items provided by the point manager 40, 50, 60, 70 (or affiliated store, affiliate), and selects another point manager 40, 50, 60, 70 do. Next, the user 20 checks the third-party point value, selects a point stored in the platform operator, and requests payment (S320). In this case, the point managers 40 , 50 , 60 , and 70 may include other point managers 40 , 50 , 60 , 70 and affiliates of infrastructure and platform operators of prepaid electronic money affiliates.

Subsequently, the point managers 40 , 50 , 60 , and 70 receiving the payment request from the user 20 complete the payment and subtract the payment points used for the payment ( S321 ).

Next, the point manager 40, 50, 60, 70 transmits to the platform server that the deduction of the payment points used for payment is complete (S330).

Then, the platform server 30 transmits to the user 20 that the deduction of the payment points used for payment is completed (S340).

The Reform Mint service platform according to some embodiments of the present invention may be reformed to re-use a payment point scheduled to expire.

In addition, through this, the user 20 can utilize the points through the converted payment points or platform points even in infrastructure that cannot use the existing payment points.

In addition, the Reform Mint service platform according to some embodiments of the present invention may be provided to the user 20 in connection with all operators who need to donate points scheduled to expire under the current laws. Through this, the number of cases in which the points scheduled for extinction are donated regardless of the intention of the user 20 is reduced, and the period during which the user 20 can use the points is increased, so that the user 20's satisfaction with point use can be increased.

Hereinafter, some examples of the Reform Mint service platform according to an embodiment of the present invention will be described in detail with reference to FIGS. 9 and 10 .

9 is a flowchart illustrating an example of a Reform Mint service platform according to an embodiment of the present invention.

Referring to FIG. 9 , first of all, the point server 10 of the point manager is equipped with a selection module provided by the platform operator. The selection module provided by the platform operator may be formed with options including O and X.

Next, when there is a payment point scheduled to expire, the point server 10 of the point manager transmits a guide message about the payment point scheduled to expire to the user 20 including a pre-loaded module. In this case, the corresponding guide message may include a description of the Reform Mint service.

Subsequently, when the user 20 selects 'accept (0)' from among the options, the mobile phone of the user 20 transmits the response result of the user 20 and the mobile phone number to the platform server 30 . In this case, the response result and the mobile phone number may be transmitted through encryption.

Next, the platform server 30 transmits a request for a payment point claim scheduled to expire by the user 20 who has selected 'accept (0)' to the point server 10 .

Then, the point server 10 transmits the payment point of the corresponding user 20 to the platform server 30 , and the platform server 30 stores the corresponding payment point from the point server 10 . However, in this case, points corresponding to the fee may be deducted. For example, if the point server 10 deposits 10,000 won in cash corresponding to 10,000 points to the platform server 30, 500 won (5%) corresponding to the fee is deducted, and the platform points are converted to 9,500 points. It may be written to the server 30 . In addition, the user 20 may check the deducted 9,500 points.

Subsequently, the platform server 30 transmits a platform application installation guide (or encouragement) and a marketing message to the new platform customer.

Next, the new Reform Mint customer performs the membership registration process. A customer who has completed the membership registration procedure can inquire and use the payment points transferred to the platform server 30 . In this case, the platform server 30 may deduct some of the transferred points as a reform fee and provide it to the customer.

10 is a diagram for explaining another example of a Reform Mint service platform according to an embodiment of the present invention.

Referring to FIG. 10 , the platform operator receives payment points scheduled to expire from each point manager 30 from a user who has accepted the point management of the platform operator. At this time, the payment points scheduled to expire are converted into platform points.

Here, the platform points may be converted into other payment points or may be included in a universal prepaid card and provided to the user.

If the customer converts the platform points to other payment points, the point manager 40 can expect an increase in sales through the point complex payment as the payment points are newly introduced.

Meanwhile, when a customer requests issuance of a universal prepaid card as a method of using platform points, the platform operator may issue a prepaid card to the user 20 with the credit card identification number (BIN) of the point manager 40 . In this case, the general-purpose prepaid card may include a prepaid electronic payment means.

Through this, the point manager 40 may acquire a fee through the credit card identification number of the point manager 40 by newly entering the profit-type prepaid card market.

In addition, the point manager 40 may expand the field of joint business business through a prepaid card. For example, the point manager 40 may create a profit model through linking with foreign gift certificates and local currency, or expand the prepaid card business area of the point manager 40 overseas.

In summary, the PMP service platform provided by the present invention can prevent the customer from leaving the point manager's customer by being converted to another point manager or other affiliated company. In addition, it is possible to prevent customers from giving up the accumulated points, prevent unwanted donation processing points from occurring, and build a point living lab that can perform a number of point life cycles. At this time, it is of course also possible to directly donate the donation processing points to a donation institution connected to the platform operator 40 directly.

In addition, by dealing with multiple point managers, rather than where points are used in the limited alliance infrastructure provided by one point manager, points can be used in more infrastructure.

In addition, by issuing prepaid electronic money (prepaid card, etc.) provided by the platform operator, users' profits and convenience can be improved by expanding the service used.

If the customer's existing expiry points are reformatted with the customer's voluntary consent, the point platform operator will receive the reform mint fee in advance (for example, if the customer voluntarily agrees to reform the expiry points) 5% of the case fee, etc.), and the integrated platform points can be secured.

The above platform points are used for complex payment in major online shopping malls, transportation prepaid card charging, distribution prepaid card charging, direct donation to various affiliated donation foundations, purchase and charging of various digital contents, etc., developed directly by the point platform operator, It may be possible to use (pay) the provided mobile (online) shopping mall.

In addition, when a payment or charging channel for expanding the experience of various users of platform points on/offline is attached, a secondary fee for using the platform points may be additionally charged to the customer. It is to be understood in all respects that the invention is illustrative and not restrictive, the scope of the invention being indicated by the claims set forth below rather than the foregoing detailed description. And it should be construed to be included in the scope of the present invention, as well as the meaning and scope of the claims to be described later, and all changes and modifications derived from the equivalent concept.

10: Point Server
20: user
30: platform server

Claims (10)

transmitting, by the first point server 10 to the user point management module 25, an extinction notification and conversion inquiry module of the first payment point;
In the user point management module 25, receiving a response from the user as to whether to manage the first payment point scheduled to be destroyed through the conversion inquiry module, wherein the conversion inquiry module includes an option including 0 and X, , collecting the user's responses through a link button or a link-Internet address corresponding to the selection;
transmitting, by the user point management module 25, the user response as to whether the first payment point is managed to the platform server 30;
transmitting, by the platform server 30, point management abandonment information or point management acceptance information to the first point server 10, based on the user response;
when the first point server 10 receives the point management acceptance information, the platform server 30 receiving the first payment point from the first point server 10;
transmitting, by the platform server 30, point value information excluding a fee from the first payment point to the user point management module 25;
applying, by the user point management module 25, a point conversion to the platform server 30; and
Reform mint service method comprising the step of transferring, by the platform server 30, a conversion point corresponding to the first payment point to a user name.
According to claim 1,
The conversion point is a second payment point different from the first payment point.
3. The method of claim 2,
The second payment point is managed by a second point server different from the first point server.
According to claim 1,
The conversion point is a platform point managed by the platform server.
According to claim 1,
The conversion point is a prepaid electronic money Reform Mint service method.
According to claim 1,
The notification of extinction of the first payment point and the conversion inquiry module include at least one of SMS, SNS, and e-mail.
According to claim 1,
The user response is collected through identity authentication,
Reform Mint service method comprising the use of a biometric method and a one-time code authentication method including iris recognition, fingerprint recognition, and vein recognition for self authentication used for the user response.
According to claim 1,
When the first point server 10 receives the point management abandonment information, registering the information in the platform server 30 and transmitting the information to the first point server 10;
and registering the point management abandonment information in the first point server (10) and abandoning the first payment point.
According to claim 1,
When the first point server 10 receives the point management acceptance information, registering the information in the platform server 30 and transmitting the information to the first point server 10;
Reform mint service method further comprising the step of registering the point management acceptance information in the first point server (10), and registering information for transferring the management right for the first payment point to the platform server (30) .
10. The method according to claim 8 or 9,
The method further comprising the step of transmitting, to the platform server (30), information about the registration of information related to the abandonment or acceptance of transfer of point management by the user (20) in the first point server (10)

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