KR102303543B1 - Apparatus, method and system for providing integrated management service of point based on location - Google Patents

Abstract

An integrated point management apparatus according to the present invention includes an interface unit communicating with a plurality of user terminals and merchant terminals through a network, a database unit storing point information held by each user terminal, and any one user from the merchant terminal. When a payment request for a terminal is received, a location information checking unit that checks the location information of the user terminal and identifies another user terminal located in the same area as the user terminal, the payment requested user terminal and the user terminal A point information generation unit that inquires the database unit for point information possessed by each other user terminal located within the same area as , and generates group point information by summing the retrieved point information, and the generated group point information. Based on the payment processing unit for processing the point payment for the payment request user terminal.

Description

Apparatus, method and system for providing location-based integrated point management service {APPARATUS, METHOD AND SYSTEM FOR PROVIDING INTEGRATED MANAGEMENT SERVICE OF POINT BASED ON LOCATION}

The present invention relates to an apparatus, method and system for providing an integrated point management service, and more particularly, a service that provides additional point benefits by grouping several user terminals located in a specific area based on location information of each user terminal. To an apparatus, method and system for providing

The point or mileage service refers to a service that allows general customers to pay a part of the product price with points previously accumulated or granted during on/offline payment at a specific company or affiliated store. Through this point service, the company has the advantage of minimizing customer churn, increasing customer purchase volume and encouraging continuous repurchase. .

In the past, paper-type point cards were provided to customers for customer point management, and point information was managed for each customer through this. there has been

On the other hand, some of the point services provided in the prior art provided an environment in which points could be traded between users. In general, users transfer some of their points to other users. It wasn't easy. In addition, in the conventional service, it was not possible to obtain information related to the point payment of other users in a store adjacent to the user's current location.

An object of the present invention is to propose a service for grouping and using points owned by several user terminals located adjacent to each other based on location information of a user terminal.

Publication No. 10-2013-0086738 (August 05, 2013), a method for sharing electronic mileage coupons

An object of the present invention is to provide an integrated point management device and a point integrated management service for providing additional benefits to a user through a group point that sums up points possessed by several user terminals located adjacent to each other based on location information of a user terminal. To provide a method for providing.

According to the present invention, there is provided an interface unit for communicating with a plurality of user terminals and merchant terminals through a network; a database unit for storing point information possessed by each user terminal; a location information checking unit that, when a payment request for any one user terminal is received from the merchant terminal, checks the location information of the user terminal, and checks another user terminal located in the same area as the user terminal; Point information generation for generating group point information by inquiring from the database unit the point information held by each of the user terminal for which payment has been requested and the other user terminals located within the same area as the user terminal, and summing the searched point information wealth; And, based on the generated group point information, it can be achieved by the point integrated management device including a payment processing unit for processing the point payment for the payment request for the user terminal.

Here, the payment processing unit may determine a discount rate for the purchase amount of the goods of the user terminal according to the amount of the group point information, and process the point payment by subtracting the point information held by the user terminal.

Here, the point information generating unit may select a preset number of user terminals from among user terminals located in the same area as the user terminals, and add up point information possessed by the selected user terminals to generate group point information.

Here, when the location information of the user terminal is confirmed, the method may further include a virtual point generating unit that grants to the user terminal a virtual point that can be used in a store of an adjacent seller.

Here, the virtual point generating unit may activate the virtual point to be used for payment when the user terminal is located within a specific area for a predetermined time or longer or is located within the specific area for a predetermined time period.

Here, it may further include an advertisement providing unit that provides information on an area in which the number of users having the points is greater than or equal to a predetermined number and advertisement information of a seller located in the corresponding area to the user terminal.

In addition, according to the present invention, there is provided a method for providing an integrated point management service, the method comprising: receiving a payment request for a user terminal from a merchant terminal; checking the location information of the user terminal; identifying another user terminal located in the same area as the identified location information of the user terminal; inquiring on a previously built database for point information held by each of the payment-requested user terminal and other user terminals located within the same area as the user terminal; generating group point information by adding up each of the inquired point information; And based on the generated group point information, it may be achieved by a method of providing an integrated point management service comprising the step of processing the point payment for the payment request for the user terminal.

Here, in the processing of the point payment, a discount rate for the purchase amount of the product of the user terminal is determined according to the amount of the group point information, and the point payment can be processed by subtracting the point information held by the user terminal. .

Here, the generating of the group point information may include: selecting a preset number of user terminals from among user terminals located in the same area as the user terminals; and generating group point information by adding up point information possessed by the selected user terminal.

Here, when the location information of the user terminal is confirmed, the method may further include the step of giving a virtual point that can be used in a store of an adjacent seller to the user terminal.

Here, the step of giving the virtual point may include activating the virtual point to be used for payment when the user terminal is located within a specific area for more than a predetermined time or is located within the specific area for a predetermined time. have.

Here, information on an area in which the number of users holding the points is greater than or equal to a predetermined number and advertisement information of a seller located in the corresponding area may be provided to the user terminal.

In addition, the above object according to the present invention, in the point integrated management service system, a plurality of user terminals; a merchant terminal requesting a point payment process with the point integrated management device; and storing point information held by each user terminal, and when a payment request for any one user terminal is received from the seller terminal, the location information of the user terminal is checked and another user terminal located in the same area as the user terminal to generate group point information by adding up point information possessed by each of the user terminal for which the payment is requested and the other user terminals located within the same area as the user terminal, and then request the payment based on the generated group point information This may be achieved by a system including an integrated point management device that processes point settlement for a user terminal.

According to the present invention described above, based on the location information of the user terminal, the point integrated management device and the point integrated management service for providing additional benefits to the user through a group point that sums up the points possessed by several user terminals located adjacent to each other can provide a method for providing

1 schematically illustrates a point integrated management system according to an embodiment of the present invention.
2 is a block diagram of an apparatus for integrated point management according to an embodiment of the present invention.
3 is a flowchart of a method of providing an integrated point management service according to an embodiment of the present invention.

It should be noted that technical terms used herein are used only to describe specific embodiments, and are not intended to limit the present invention. In addition, the technical terms used in this specification should be interpreted in the meaning generally understood by those of ordinary skill in the art to which the present invention belongs, unless otherwise defined in this specification, and excessively inclusive. It should not be construed in the meaning of a human being or in an excessively reduced meaning. In addition, when the technical terms used in the present specification are incorrect technical terms that do not accurately express the spirit of the present invention, they should be understood by being replaced with technical terms that those skilled in the art can correctly understand. In addition, general terms used in the present invention should be interpreted as defined in advance or according to the context before and after, and should not be interpreted in an excessively reduced meaning.

Hereinafter, a preferred embodiment according to the present invention will be described in detail with reference to the accompanying drawings, but the same or similar components are assigned the same reference numerals regardless of reference numerals, and redundant description thereof will be omitted. In addition, in the description of the present invention, if it is determined that a detailed description of a related known technology may obscure the gist of the present invention, the detailed description thereof will be omitted. In addition, it should be noted that the accompanying drawings are only for easy understanding of the spirit of the present invention, and should not be construed as limiting the spirit of the present invention by the accompanying drawings. The spirit of the present invention should be construed as extending to all changes, equivalents, or substitutes other than the accompanying drawings.

1 schematically illustrates a point integrated management system according to an embodiment of the present invention.

As shown, the integrated point management system according to the present invention may include an integrated point management apparatus 100 , a plurality of user terminals 200 , and a seller terminal 300 , and the integrated point management apparatus 100 includes a plurality of points. The point integration service according to the present invention can be provided by being connected to the user terminal 200 and the merchant terminal 300 through a wired/wireless network.

The user terminal 200 may be implemented as a well-known smart phone, tablet PC, PDA, laptop PC, etc. capable of performing data communication through a wired or wireless network, and is loaded with a variety of well-known applications, each You can exchange information by accessing the platform that provides the application of The user terminal 200 may be provided with an integrated point management service according to an embodiment of the present invention. For example, the user may input the point card held by the user and point information for each card through the user terminal 200 , and may receive an advertisement regarding the benefits of the held card.

The seller terminal 300 is provided in each store operated by the seller and provides payment-related information to the point management device 100 through a network during offline payment of goods. The seller terminal 300 may be implemented as a well-known point of sale (POS) terminal.

The integrated point management apparatus 100 performs a series of processes for providing the integrated point management service according to the present invention. More specifically, the integrated point management apparatus 100 checks the location information of the user terminal 200 and other user terminals 200 located in the same area, and then adds up the points each possessed to generate group point information. and, based on the group point information, it is possible to process the point payment of the user terminal 200 . A more detailed configuration of the integrated point management apparatus 100 will be described in detail below with reference to FIG. 2 .

2 is a block diagram of the integrated point management apparatus 100 according to an embodiment of the present invention.

As shown, the integrated point management apparatus 100 includes an interface unit 110 , a user information input unit 120 , a database unit 130 , a location information confirmation unit 140 , a point information generation unit 150 , and a virtual point. It may include a generating unit 160 and a payment processing unit 170, and even if at least one of the illustrated components is omitted, there will be no hindrance to implementing the spirit of the present invention.

The interface unit 110 transmits and receives data through a wired/wireless network of the user terminal 200 and the seller terminal 300 .

The database unit 130 stores point information held by each user terminal 200 . More specifically, user identification information such as the MIN (Mobile Identification Number) of the user terminal 200 or a user ID selected by the user at the time of service subscription is stored, and the card identification number of the point card owned by each user and the point information held by each user are matched. can be saved.

The user information input unit 120 receives card identification information and point information from the user terminal 200 and stores it in the database unit 130 . More specifically, the user terminal 200 executes an application related to the integrated point management service to access the integrated point management apparatus 100 , and the user of the user terminal 200 includes card identification information and You can enter information about the points currently remaining for each card.

On the other hand, the card identification information and point information stored in the database unit 130 include only information directly input by the user through the user terminal 200, or each through personal information authenticated when the user subscribes to the point integrated management service. It is also possible to receive related information from the affiliate server that provides the points of the card.

The location information check unit 140 checks the location information of each user terminal 200 subscribed to the service. As a specific means for confirming location information, well-known technologies such as a Global Positioning System (GPS) satellite, a Location Based Service (LBS) system, and an Intelligent Transport System (ITS) may be applied.

When a payment request for any one user terminal 200 is received from the seller terminal 300 , the location information check unit 140 checks the location information of the user terminal 200 , and then the same as the user terminal 200 . Check the other user terminals 200 located in the zone. The point integrated management apparatus 100 selects an area with many floating populations and shops and stores the location coordinates of the area in advance. Thereafter, when the location information of the user terminal 200 corresponds to a predetermined specific area, the identification information of the other user terminal 200 located in the corresponding area may be checked.

The point information generating unit 150 includes the user terminal 200, and as a result of checking the location information checking unit 140, the point information held by each user terminal 200 located in the same area is stored in the database unit 130. search in As described above, the database unit 130 stores retention point information for each user.

Next, the point information generating unit 150 generates group point information by adding up each searched point information. That is, the group point information may be generated by adding up points held by the user terminals 200 located in the corresponding area among the user terminals 200 subscribed to the corresponding service.

On the other hand, if the number of user terminals 200 having the same type of points in a specific area is very large, the amount of group points may be too large, so the point information generating unit 150 is located in the same area as the user terminal 200. A preset number (eg, 10) of user terminals 200 may be selected from among the user terminals 200 and determined as one group.

When the group point information is generated, the point information generating unit 150 transmits group point information to the user terminal 200 that is requested for payment and the user terminal 200 belonging to the group by SMS (Short Message Service) or push. method can be provided. In this case, only the summed group point information may be provided without the need to provide user identification information of members in the group.

The payment processing unit 170 processes the payment by deducting points held by the user terminal 200 that purchased the product according to the request of the seller terminal 300 . In this case, based on the group point information generated by the point information generating unit 150 , a point payment for the user terminal 200 for which payment is requested may be processed.

A payment method through group points may include the following.

First, according to the amount of group point information, a discount rate for the purchase amount of an item of the user terminal 200 may be determined and point payment may be performed. In general, the use of points is allowed only for a certain percentage of the purchase amount of the accumulated points. As the group points increase, a high discount rate may be applied to perform point settlement. However, in this case, only the personal points of the user terminals 200 for purchasing goods among the user terminals 200 in the group may be deducted, and the personal points of the other user terminals 200 may be maintained as they are.

As another embodiment, the payment may be performed by deducting group points for a certain percentage during point payment. For example, when the points held by the user terminal 200 for purchasing goods are smaller than the maximum use limit points, a part of the points may be deducted from the group points to be used. In this case, the subtracted points may be subtracted by dividing the points held by each user terminal 200 in the group.

When the location information of the user terminal 200 is confirmed, the point integrated management apparatus 100 according to the present invention generates a virtual point generator 160 that grants virtual points that can be used in a store of an adjacent seller to the user terminal 200 . may include more. The virtual point is provided temporarily when the user terminal 200 is located in a specific area separately from the points previously held by the user terminal 200 , and the virtual point generator 160 determines that the user terminal 200 is When certain conditions are satisfied, virtual points can be activated and used for payment.

For example, when the user terminal 200 enters a specific area, the virtual point generator 160 generates a virtual point and transmits a push message to notify the user terminal 200 that the virtual point has been created, and then When the user terminal 200 is located in the corresponding area for a predetermined time (eg, 1 hour) or more, the virtual point is activated so that it can be used for payment, and a push message for notifying that the virtual point is activated is sent to the user terminal 200 can be transmitted

In addition, when the user terminal 200 is located within the specific area at a specific time, the virtual point may be activated and used for payment. That is, when the user terminal 200 enters a specific area, a virtual point is created, but when it corresponds to a time predetermined by the seller, the virtual point is immediately activated so that the user terminal 200 can use it for payment, If it does not correspond to a predetermined time, information about a time period in which the virtual point can be activated may be transmitted to the user terminal 200 . In this case, the time period during which the virtual point is activated may be selected by the seller through the seller terminal 300 according to the type of business.

In addition, the virtual point generator 160 may activate the virtual point when the user revisits the location a predetermined number of times or more after the virtual point is given to the user terminal 200 .

As described above, the virtual point generator 160 may provide the user terminal 200 with a condition required to use the virtual points granted to the user terminal 200 for actual payment when the virtual point creation notification is made. In addition, when the user terminal 200 does not satisfy the conditions for virtual point activation for a predetermined time (eg, one week), for example, it is located in a specific area and leaves the corresponding area within a predetermined time, or a predetermined time period for a predetermined period of time. In the case of not being located in the corresponding area or not visiting a predetermined number of times for a certain period of time, the virtual point generating unit 160 may destroy the previously created virtual point.

When the virtual point generated by the virtual point generator 160 is activated and satisfies the usage condition, it may be utilized when the point information generator 150 generates a group point.

The integrated point management apparatus 100 according to the present invention may further include an advertisement providing unit that provides the user terminal 200 with information about an area in which the number of users with points is greater than or equal to a predetermined number. In order to use the group point, a plurality of user terminals 200 having the corresponding point must be located in the corresponding area, so the advertisement providing unit may provide the above information so that the user can move to the corresponding area and belong to the group.

In addition, the advertisement providing unit may provide advertisement information about a seller located in a corresponding area and capable of using the group point after generating the group point to each user terminal 200 belonging to the group.

The above-described integrated point management apparatus according to the present invention may provide additional benefits to the user through group points obtained by summing points possessed by several adjacent user terminals based on the location information of the user terminal. In other words, users can enjoy additional discount benefits through group points, and can induce many users to move to the relevant area or stay for a certain period of time, which can be used for marketing purposes from the seller's point of view as well.

3 is a flowchart of a method of providing an integrated point management service according to an embodiment of the present invention. Each process of the integrated point management method is performed by the integrated point management apparatus 100 described above with reference to FIGS. 1 and 2 , and descriptions thereof will be omitted.

The integrated point management apparatus 100 may establish in advance a database storing point information possessed by each user terminal subscribed to the service, and may transmit/receive data to/from each user terminal and the seller terminal through a wired/wireless network.

The point integrated management apparatus 100 receives a payment request for the user terminal from the seller terminal (S11).

Thereafter, the location information of the user terminal 200 for which payment is requested is checked (S12). In order to confirm location information, well-known technologies such as a Global Positioning System (GPS) satellite, a Location Based Service (LBS) system, and an Intelligent Transport System (ITS) may be applied.

The integrated point management apparatus 100 identifies another user terminal located in the same area as the identified location information of the user terminal (S13). The point integrated management device 100 selects an area with a large number of floating population and stores, stores the location coordinates of the area in advance, and then, when the location information of the user terminal corresponds to a pre-selected specific area, located in the area Identification information of other user terminals can be checked.

Next, the point information held by each of the user terminal for which payment is requested and the other user terminals located within the same area as the user terminal is inquired on the pre-built database (S14).

When each point information is inquired, group point information is generated by adding up each of the inquired point information (S15). In this case, a preset number (eg, 10 users) of user terminals located in the same area as the user terminals may be selected and determined as one group.

Meanwhile, when the location information of the user terminal is checked, the integrated point management apparatus 100 may grant virtual points that can be used in a store of an adjacent seller to the user terminal. Here, when the corresponding user terminal satisfies a certain condition, for example, when the user terminal is located in a specific area for a predetermined time or more or is located in the specific area during a predetermined time period, the virtual point may be activated and used for payment.

The integrated point management apparatus 100 processes point payment for the user terminal for which payment is requested, based on the generated group point information (S16).

A payment method through group points may include the following.

First, according to the amount of group point information, a discount rate for the purchase amount of an item of the user terminal may be determined and point payment may be performed. In general, the use of points is allowed only for a certain percentage of the purchase amount of the accumulated points. As the group points increase, a high discount rate may be applied to perform point settlement. However, in this case, only the personal points of the user terminals for purchasing goods among the user terminals in the group may be deducted, and the personal points of other user terminals may be maintained as they are.

As another embodiment, the payment may be performed by deducting group points for a certain percentage during point payment. For example, when the points held by the user terminal purchasing the product are smaller than the maximum use limit points, a part of the group points may be deducted and used. In this case, the subtracted points may be subtracted by dividing the points held by each user terminal in the group.

The above-described method for providing an integrated point management service according to the present invention can provide additional benefits to a user through a group point that sums up points owned by several user terminals located adjacent to each other based on location information of the user terminal. In other words, users can enjoy additional discount benefits through group points, and can induce many users to move to the relevant area or stay for a certain period of time, which can be used for marketing purposes from the seller's point of view as well.

As such, those skilled in the art to which the present invention pertains will understand that the present invention may be embodied in other specific forms without changing the technical spirit or essential characteristics thereof. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive.

For example, the user terminal and the integrated point management apparatus 100 according to the present invention may store information by means of a memory. In one embodiment, the memory is a computer-readable medium. In one implementation, the memory may be a volatile memory unit, and in another implementation, the memory may be a non-volatile memory unit. Also, the memory may include, for example, a hard disk device, an optical disk device, or any other mass storage device.

The user terminal or the integrated point management device may be realized by an instruction to cause one or more processing devices to perform the above-described functions and processes when executed. For example, such instructions may include interpreted instructions, such as script instructions, such as JavaScript or ECMAScript instructions, or executable code or other instructions stored on a computer-readable medium.

Implementations of the functional operations and subject matter described in this specification may be implemented in digital electronic circuitry, in computer software, firmware, or hardware including the structures disclosed herein and structural equivalents thereof, or in a combination of one or more thereof. can be implemented Implementations of the subject matter described herein are one or more computer program products, ie, one or more modules of computer program instructions encoded on a tangible program storage medium for controlling the operation of, or for execution by, a processing system. can be implemented.

The computer readable medium may be a machine readable storage device, a machine readable storage substrate, a memory device, a composition of matter that affects a machine readable radio wave signal, or a combination of one or more thereof.

As used herein, the term “system” or “device” includes all apparatus, devices and machines for processing data, including, for example, programmable processors, computers, or multiple processors or computers. The processing system includes, in addition to hardware, For example, code constituting processor firmware, a protocol stack, a database management system, an operating system, or a combination of one or more thereof may include code forming an execution environment for a computer program upon request.

A computer program (also known as a program, software, software application, script or code) may be written in any form of programming language, including compiled or interpreted language or a priori or procedural language, and may be written as a stand-alone program or module; It can be deployed in any form, including components, subroutines, or other units suitable for use in a computer environment. A computer program does not necessarily correspond to a file in a file system. A program may be in a single file provided to the requested program, or in multiple interacting files (eg, files that store one or more modules, subprograms, or portions of code), or portions of files that hold other programs or data. (eg, one or more scripts stored within a markup language document). The computer program may be deployed to be executed on a single computer or multiple computers located at one site or distributed over a plurality of sites and interconnected by a communication network.

On the other hand, computer-readable media suitable for storing computer program instructions and data include, for example, semiconductor memory devices such as EPROMs, EEPROMs and flash memory devices, such as magnetic disks such as internal hard disks or external disks, magneto-optical disks and CDs. -Can include all types of non-volatile memory, media and memory devices, including ROM and DVD-ROM disks. The processor and memory may be supplemented by, or integrated into, special purpose logic circuitry.

While this specification contains numerous specific implementation details, they should not be construed as limitations on the scope of any invention or claim, but rather as descriptions of features that may be specific to particular embodiments of particular inventions. should be understood Likewise, certain features that are described herein in the context of separate embodiments may be implemented in combination in a single embodiment. Conversely, various features that are described in the context of a single embodiment may also be implemented in multiple embodiments, either individually or in any suitable subcombination. Furthermore, although features operate in a particular combination and may be initially depicted as claimed as such, one or more features from a claimed combination may in some cases be excluded from the combination, the claimed combination being a sub-combination. or a variant of a sub-combination.

Also, although operations are depicted in the drawings in a specific order, it is not to be understood that such operations must be performed in the specific order or sequential order shown or that all illustrated operations must be performed in order to obtain a desirable result. Can not be done. In certain cases, multitasking and parallel processing may be advantageous. Further, the separation of the various system components of the above-described embodiments should not be construed as requiring such separation in all embodiments, and the program components and systems described may generally be integrated together into a single software product or packaged into multiple software products. It must be understood that

As such, this specification is not intended to limit the invention to the specific terminology presented. Accordingly, although the present invention has been described in detail with reference to the above-described examples, those skilled in the art can make modifications, changes, and modifications to the examples without departing from the scope of the present invention. The scope of the present invention is indicated by the following claims rather than the above detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalent concepts should be interpreted as being included in the scope of the present invention. do.

According to the present invention described above, based on the location information of the user terminal, it is possible to provide additional benefits to the user through the group point by adding up the points possessed by several user terminals located adjacent to each other, so the technology of the present specification is applied. It is an invention that has industrial applicability because it has sufficient potential for commercialization or business of the device to be used, as well as to the extent that it can be clearly implemented in reality.

100: integrated point management device 110: interface unit
120: user information input unit 130: database unit
140: location information check unit 150: point information generation unit
160: virtual point generation unit 170: payment processing unit
200: user terminal 300: merchant terminal

Claims (13)

In the point integrated management device,
When a payment request for any one user terminal is received from the merchant terminal, the location information check unit to check the location information of the user terminal, and to check another user terminal located in the same area as the user terminal;
The point information held by each of the user terminal for which the payment is requested and the other user terminals located within the same area as the user terminal is inquired from the database unit in which the point information held by each user terminal is stored, and each of the inquired point information is summed. a point information generation unit generating group point information;
A discount rate for the purchase amount of the item of the user terminal for which the payment is requested is determined according to the amount of group point information, and a point payment for the user terminal requested for payment is processed at the determined discount rate, and when the point payment is processed, the payment is requested A point integrated management device comprising a payment processing unit that deducts only the points of the user terminal and maintains and processes the points of the other user terminals.
delete The method of claim 1,
The point information generation unit,
The device for integrated point management, characterized in that the group point information is generated by selecting a preset number of user terminals from among the user terminals located in the same area as the user terminals, and summing the point information possessed by the selected user terminals.
The method of claim 1,
When the location information of the user terminal is confirmed, the point integrated management apparatus further comprising a virtual point generator for granting to the user terminal virtual points that can be used in a store of an adjacent seller.
5. The method of claim 4,
The virtual point generating unit,
and when the user terminal is located within a specific area for more than a predetermined time or is located within the specific area for a predetermined time period, the virtual point is activated so that it can be used for payment.
delete A method of providing an integrated point management service performed by an integrated point management device, the method comprising:
receiving, by the integrated point management device, a payment request for a user terminal from a merchant terminal;
checking, by the integrated point management device, location information of the user terminal;
identifying, by the integrated point management device, another user terminal located in the same area as the identified location information of the user terminal;
Inquiring, by the point integrated management device, point information held by each of the payment-requested user terminal and other user terminals located in the same area as the user terminal on a pre-built database;
generating, by the integrated point management device, group point information by adding up the inquired information on each point; and
The point integrated management device determines a discount rate for the purchase amount of the product of the payment-requested user terminal according to the amount of group point information, and processes the point payment for the payment-requested user terminal at the determined discount rate, the point and deducting only the points of the user terminal for which payment is requested during payment processing and maintaining and processing the points of the other user terminals.
delete delete delete delete delete delete

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