KR20000063680A - Networked computer system for exchange of free points or reserves and brokerage transfer services. - Google Patents

Abstract

PURPOSE: A network computer system for a money exchange of a bonus score or an accumulated money and an arbitration transfer service are provided for implementing a new distribution electronic commerce transaction service based on a network-based computer system connected with an internet. CONSTITUTION: A system(100) includes an arbitrator computer system(15) connected by networks(11, 12, 13, 14) connected with an internet, a seller or an arbitrator business man computer system(16), a customer computer system(17), and a main transaction bank computer system(18). Since a user of the arbitrator computer system(15) arbitrates an accumulated monet business man or a customer computer system, the user may be a credit supplier having a reliability and transparent characteristic or a financial business man of another type.

Description

Networked computer system for exchange of free points or reserves and brokerage transfer services. {.}

The present invention provides a currency exchange or brokerage transfer service so that consumers, whether online or offline, can receive cash rewards or securities provided in exchange for goods purchases from sellers or reserve providers in cash and securities and can be used for commerce activities at the consumer's will. The present invention relates to a method for processing an electronic commerce method by a networked computer system connected to the Internet.

With the development of electronic communication, distribution services and sales methods are also digitalized, and online new distribution methods through computer systems are being developed in various ways.

In particular, the majority of membership distribution and service companies are fixed consumer purchases, and the seller unitizes the value of the reserve system or the value of a certain amount of money, which the seller accumulates in electronic money in proportion to the purchase price of the product. As a result, the gratuitous scoring system that earns points in the system is spreading.

However, since most member-type distribution and service companies independently operate a reserve company with a small number of cross-industry associations, the reward points or reserves received by consumers in return for purchasing products remain small enough to be freely used or reserve companies. In most cases, the use of the system is restricted according to the operating system of the system, and thus the consumer's interest is declining unlike the original purpose of implementing the system.

Recently, in order to revitalize the gratuitous points system, several reserves have partnered to use the gratuitous points jointly or collect and use gratuitous points through exchange transactions. There is no.

Networked computer system with currency exchange or intermediary transfer service connected to the Internet so that consumers can receive cash or securities for free points or reserves provided in return for purchase of goods from sellers or reserve operators and use them for commerce activities at the will of the consumer. In the method of processing by the e-commerce method,

Providing an intermediary computer system (15) having a database containing services for consumers and data indicating conversion standard values of respective sellers or reserve operators for the exchange of gratuitous scores or reserves, which are a form of electronic currency, and for the transfer of brokerages; And providing a merchant or reserve operator computer system (16, 16 ') having a database containing a broker's standard value for exchange or brokerage of the reward points or reserves set by the broker computer system (15); Providing a main bank computer system 18 having an intermediary standard value for exchange and intermediary transfer of gratuitous points or reserves set forth in (15) and a database for exchange transfer services, wherein the consumer is an intermediary, seller or reserve operator, Interface to receive services provided by the main bank Having a bus characterized in that it comprises the step of providing a consumer computer system (17).

1 is a configuration diagram according to an embodiment of the present invention.

(Block diagram of a networked computer system connected to the Internet that handles the exchange of gratuit points or reserves and intermediary transfers)

2 is a service control flow diagram according to an embodiment of the present invention.

Flowchart of the operation of a computer system that handles the exchange of gratuity scores or reserves and brokerage transfer services.

Hereinafter, the accompanying drawings of preferred embodiments of the present invention will be described in detail.

1 is a diagram illustrating a computer system 100 networked by connecting over the Internet to process the exchange and brokerage transfer services of gratuitous points or reserves in accordance with the principles of the present invention.

The system 100 is an intermediary computer system 15 interconnected by a network 11, 12, 13, 14 connected over the Internet, a merchant or reserve operator computer system 16, a consumer computer system 17, a main bank. Computer system 18, wherein a user of intermediary computer system 15 may be a credit provider or other form of financial service provider that must have a neutral status and can maintain fairness and transparency as it brokers reserve operators or consumer computer systems. have.

In particular, intermediaries should not engage in commerce services provided by sellers or reserve operators or equivalent commercial activities in order to maintain their neutral status.

The consumer may use the consumer computer system 17 to exchange or transfer the gratuitous points or reserves provided by the seller or reserve operator using the intermediary computer system 15.

In using the service according to the invention of the consumer computer system 17 provided by the intermediary by the database of the intermediary computer system 15, it is possible to grasp the data on one screen by charting and charting the gratuitous points and the status of the reserves. And there is a step (14 ') that provides a currency exchange transfer service directly to the consumer's main bank account by the main bank computer system 18 with one click on the exchangeable gratuitous points or reserves.

2 is a service control flowchart 200 according to an embodiment of the present invention.

First, an internet connection is requested to select a service provided by an intermediary. (20)

Enter a code to verify that the consumer is an originator. (21)

The consumer selects and enters two or more sellers or reserve operators to request brokerage. (22)

The consumer asks the broker for a transaction and determines the standard value of the free points and reserves required for the broker. (23)

Here, the broker receives the brokerage transaction approval from the seller or the reserve operator and responds to the transaction requirement to the consumer.

The intermediary computer system 15 performs information retrieval and certification for the transfer of the broker to the seller or reserve operator computer system 16, which is deposited from the withdrawal seller or reserve operator computer system 16 'requested by the consumer. 25, 26)

Here, for the purpose of exchange, it is transferred to the intermediary computer system 15. (25, 26)

Intermediary transfers are requested from the consumer computer system 15 for mediation transfer or gratuitous point exchange of the reserves requested by the consumer, and the mediation transfer is completed (27, 28). The consumer transfers the broker (15) and the main bank computer system (18). Receive points or reserves and receive the money transfer to the consumer account book (30, 31).

The processed data is entered and stored in the consumer 17, the intermediary 15, the seller or reserve provider 16, 16 ', and the main bank computer system 18. (29)

The consumer may distribute small amounts of distributed credit points or reserves received from multiple sellers or reserve operators by a plurality of various commercial activities to the intermediary (15), the seller or reserve operator (16, 16 '), or the computer bank (18) of the principal bank. By exchange and intermediary transfer, it is possible to conduct commerce activities according to the consumer's will, thus saving living costs and protecting consumer interests. To reduce costs and contribute to increased sales, and reserve operators that partner with small sellers or affiliated with smaller sellers to manage their gratuity points or reserves, expand the service area for their consumers, Profit increases with the increase of consumer membership, and the main bank provides Profit is increased by the increase of bank account and deposit amount by exchange transfer service system, and intermediary maintains neutral fairness for service and information provided by such device, and exchange rate and certain transparency of exchange You will receive a reasonable price fee from the consumer and the seller,

It is a new distribution method of electronic commerce service through a networked computer system connected to the Internet that allows consumers, sellers, reserve operators, intermediaries, and main banks to benefit.

Claims (3)

Exchange money exchange or brokerage transfer services on the Internet so that consumers can receive points or miles or points earned in return for the purchase of goods from sellers or reserve operators in cash and securities for use in commerce activities at the consumer's will. In a method for processing in an electronic commerce method by a networked computer system, Providing an intermediary computer system (15) having a database containing services for consumers and data indicating conversion standard values of respective sellers or reserve operators for the exchange of gratuitous scores or reserves, which are a form of electronic currency, and for the transfer of brokerages; Wow, Providing a merchant or reserve operator computer system (16, 16 ') having a database including broker standard values for exchange of reward points or reserves set by the broker computer system (15) and transfer of brokerages; Providing a main bank computer system 18 having an intermediary standard value for exchange and intermediary transfer of reward points or reserves set by the intermediary computer system 15 and a database for exchange transfer services; Providing a consumer system 17 having an interface for a consumer to receive services provided by an intermediary, a seller or a reserve operator, and a main bank; Computerized transaction processing method comprising the step of returning by exchange and brokerage transfer of the gratuitous scores or reserves provided by each seller or reserve business to the consumer. The method of claim 1, wherein in executing a service: In step 20, a user selects a service provided from an intermediary by a user connecting to the Internet in a consumer computer system; Inputting code (21) to verify that the consumer is an originator; (22) selecting and inputting at least two sellers or reserve providers for the broker to request; (23) the consumer requesting the broker for the transaction and determining the standard value of the reward points and the reserves required for the broker; Here, the broker receives the brokerage transaction approval from the seller or the reserve operator (24) and responds to the transaction requirements to the consumer, and Performing information retrieval and certification for the transfer of the broker from the withdrawal seller or reserve operator computer system 16 'requested by the consumer by the intermediary computer system 15 to the seller or reserve operator computer system 16; 25, 26), Here, steps 25 and 26 are transferred to the intermediary computer system 15 for the purpose of currency exchange, Steps 27 and 28 in which a request for mediation transfer or gratuitous exchange of reserves requested by a consumer are exchanged in an intermediary computer system to complete an intermediary transfer; Here, the consumer receives the money transfer points or reserves by the intermediary and the main bank computer system, and receives the money transfer service and deposits them in the consumer bank account (30, 31), Computerized service comprising inputting and storing the processed data in a consumer (17), an intermediary (15), a seller or reserve provider (16, 16 '), a main bank computer system (18). Treatment method. 3. The use of the service according to the present invention according to claim 1 or 2, wherein the consumer computer system 17 provided by the intermediary by the database of the intermediary computer system 15 is provided. Charting and charting the gratuity scores and reserve status so that the data can be viewed on one screen; A method of processing a computerized service, comprising the step of providing a currency exchange service to a consumer bankbook by a main bank computer system (18) with a one-click exchangeable gratuitous score or reserve.