KR20010079247A - Method and System for Offering Vehicle-Card Through Internet - Google Patents

Abstract

PURPOSE: A method and a system for providing a vehicle card using the Internet are provided to pre-offer marketable securities to members by evaluating the member's credit grade and providing services according to the credit grade. CONSTITUTION: A client(10) as an Internet user having a credit card is connected with Internet(20) by using a client program such as a PC or an Internet TV installed in a home or an office. Data are transmitted or received through the Internet(20). A credit card company(30) cooperates with an agency for providing a vehicle card service. The credit card company(30) provides a cash free-pay service. A plurality of member store(40) is divided into a general member store and a reserving member store for providing the cash free-pay service. A plurality of sponsor(50) puts an advertisement through the vehicle card company. A vehicle card company(60) cooperates with the sponsors(50), the credit card company(30), and the member stores(40) in order to provide the cash free-pay service and a vehicle management book service.

Description

Method and system for providing vehicle card using internet {Method and System for Offering Vehicle-Card Through Internet}

The present invention relates to a method and system for providing a car card using the Internet, and more specifically, to pre-pay the securities according to the credit rating to users who sign up as a member of the car card company, and allow the user to use the car card at the store. By providing a cash prepay service that deducts the paid securities price, the method of providing a car card using the Internet, which can be carried out more efficiently in attracting merchants and excellent members of the car card by avoiding the point accumulation method of existing card companies. And to the system.

At present, there is a great change in information and transactions due to the development of the Internet-based network, and the era of sharing all information and trading without borders is approaching rapidly.

In addition, the creation of virtual spaces through the network brings about the provision of various services and online real-time transactions in these virtual spaces, and the activation of offline real and various agency services as well as specialized information and electronic commerce online. It's happening.

In general, users who want to purchase a product or use various services use the product and service at a retail store or service affiliate that sells the product, and pay the payment for the service purchased or used mainly by presenting a credit card. .

The distributors or service franchisees provide membership cards to customers for differentiation and efficient customer management from other stores, and give a portion of the payment amount of the products purchased by the customer as points to earn points and pay the gifts and goods to customers who are above a certain point. It provides a earning service that can be used for money.

The above-mentioned accumulation service is widely used not only in distribution stores selling goods but also in service industries such as fast food restaurants, restaurants, amusement facilities, credit cards, transportation cards and communication services.

The earned service has been suggested as an essential means in terms of customer management in the distribution and service industries, and increasingly, large retail stores and service companies are establishing an integrated customer management system through cooperation.

However, in order for the integrated customer management system by the alliance between the large retailers and service companies to be successful, more effective advertising and a unified earning system are required, and more efficient earning that customers can fully understand and use the unified earning system. Development of the system is required.

The present invention was created on the basis of the above-mentioned situation, and the first of all, the securities are paid by evaluating the creditworthiness of the user who registers as a member of the car card company, and the oil price paid when the user uses the car card or watches the advertisements of the advertisers. It is an object of the present invention to provide a method and system for providing a car card using the Internet, which provides a cash prepayment service that deducts the securities price, so that it is possible to more efficiently attract merchants and excellent members.

1 is a block diagram schematically showing the configuration of a car card providing system using the Internet according to the present invention;

2 to 4 are flowcharts for explaining a car card providing method using the Internet according to the present invention.

♣ Explanation of symbols for main part of drawing ♣

10: Client 20: Internet

30: Card company 40: Merchant

50: advertising company 60: car card company

61: web server 62: sub-book management server

63: subsidiary book management database (DB) 64: member information database (DB)

65: Reserve Management Database (DB) 66: History Database (DB)

67: Service Information Database (DB)

The present invention for the above purpose, the step of the user accessing the website of the car card company using the Internet; A member registration step of confirming whether the connected user is an existing member through a login procedure and, in the case of a new member, providing a subscription procedure for granting an ID and password and a car card issuing service affiliated with a plurality of credit card companies; If the connected user is an existing member, displaying a car card service guide window and a menu window on a screen; Checking whether a user has selected a sub-book management service and a reserve inquiry service of the menu window; If the user selects a bookkeeping management service, outputting a bookkeeping book management service guidance message through a bookkeeping book management server and outputting a vehicle information input window of the user on the screen; When the user inputs his vehicle information, model, displacement, mileage, usage type, repair history, consumable replacement time, maintenance company, etc. in the vehicle information input window, the user stores the account book on the screen. Outputting; In the step of determining whether the car card service menu is selected, if the user selects the reserve inquiry service, outputting a reserve inquiry window of the reserve information service message stored in the reserve inquiry service guide message and the reserve management database; And when the user is registered as a member of the car card company provides a method of providing a car card using the Internet, comprising the step of receiving and using the prepaid car card according to the user credit rating.

Another aspect of the present invention is a user client for physically connecting to the Internet through a credit card user client program; The Internet, which is a network for transmitting and receiving data via communication at a remote location; Card companies that provide cash prepayment services through strategic alliances with car card companies; A plurality of affiliated stores divided into general affiliated stores that have signed an affiliate contract with the card company and earned affiliates providing a cash prepay service of a car card; A plurality of advertisers for advertising through a website of an automobile card company; And a car card company that provides a cash prepay service and a bookkeeping management service by issuing an affiliated car card when a general user who holds a credit card through a strategic alliance with the card company and an advertising company applies for a car card service. It provides a car card providing system using the Internet, characterized in that configured.

Hereinafter, a method and system for providing a car card using the Internet according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram schematically illustrating the configuration of a car card providing system using the Internet according to the present invention, and FIGS. 2 to 4 are flowcharts for explaining a car card providing method using the Internet according to the present invention. to be.

Referring to FIG. 1, a system for providing a car card using the Internet, as shown in FIG. 1, may be used by an Internet user having a credit card through a client program such as a personal computer (PC) or an Internet TV installed in a home or office space. A credit card company 30 that provides a cash prepayment service through a strategic alliance with a client 10 connecting to a network, a network for transmitting and receiving data through a communication from a remote network, and a provider of a car card service. , A plurality of merchants 40 divided into general merchants that have signed an affiliate contract of the credit card company 30 and an accumulated merchant providing cash prepay service of a car card, and a plurality of advertisers who want to advertise through a car card company (50) and the use of having a credit card through a strategic alliance with the card company 30 and the advertising company 40 If they apply for a car card service is composed of a car card company 60 that provides a cash prepay service and car care book management services by re-issuing the affiliated car card.

The client 10 is physically connected to the Internet 20 through a web browser built in a personal computer (PC), an Internet TV, a PDA terminal (personal dedicated terminal), and IMT2000 installed in a home or office space. By receiving the functions such as cash prepay, reserve management, mica management, main transaction card services provided from the car card company 60.

The car card company 60 guides various service guides, service menus, car cooperation card issuing services, car information, bulletin boards, advertisements, affiliated card companies and affiliated stores through a web page to users registered through the Internet 20. Web server 61 that provides the service, and receives and stores the vehicle information of the user registered as a member, and through the car card merchant 40 to use car maintenance, replacement of consumables, refueling, payment of car insurance, etc. Then, the book book management server 62 for updating the user's mica book data based on the transaction history, the book book management database for storing the user's mica book updated through the book book management server 62 based on the membership number 63. ), The personal information of the user registered as a member to the car card company 60, vehicle information, main transaction card information, credit information, etc. Member information database (64), the credit card of the user registered as a member in the car card company 60, and stores the reserves of securities prepaid according to the grade and the credits deducted as the user uses the car card Reserve management database (65) for managing the user, the user holding the car card usage history database (66) for storing the use history using the general and reserve merchants (40) and the use guide and bulletin board, oil price It consists of a service guide database (67) that stores the types of securities, general merchants and earning merchants, subsidiary management, advertising company information.

The operation of the car card providing system and the car card providing method using the Internet according to the present invention having the above-described configuration will be described in detail with reference to FIGS. 2 to 4.

First, the car card company 60 re-issues a credit card by entering into a strategic alliance with existing card companies 30 such as national, three-wire, LG and BC card companies, and the automobile-related affiliate stores 40 held by the card company 30. ) Through the cooperation with the computer system to provide a car care book management service based on the user's usage history. In addition, the car card company 60 provides a point earning service to users who watched the advertisement for a predetermined time through cooperation with a plurality of advertising companies 50.

As shown in FIG. 2, when the user accesses the website of the car card company 60 using the Internet 20 (S11), the web server 61 determines whether the connected user is an existing member. Check through (S12), in the case of a new member, proceeds with the subscription procedure for granting an ID and password and a car card issuing service associated with a plurality of credit cards possessed by the user (S13), and the connected user In the case of an existing member, the car card service guide window and the menu window are output to the screen (S14).

The web server 61 checks whether the user selects the menu window, for example, the car care book management service and the reserve inquiry service (S15), and when the user selects the car care book management service, the car care book management service through the car care book management server 62. In addition to outputting a guide message on the screen, and outputs the vehicle information input window of the user to the screen (S16).

When the user inputs his vehicle information, for example, model, displacement, driving distance, usage type, repair history, consumable replacement time, maintenance company, etc. in the vehicle information input window, it is stored in the vehicle account book management database 63 (S17). The subsidiary book management server 62 outputs the subsidiary book of the user stored in the subsidiary book management database 63 based on the vehicle information input from the user (S18).

In step S15, the web server 61 determines whether the car card service menu is selected. When the user selects the reserve inquiry service, the web server 61 outputs a reserve inquiry service guide message on the screen (S19), and the reserve management database (65). ) Will be displayed on the screen of the user's reserve search window (S20). Here, in the reserve inquiry window, the balance of the securities receipt according to the user's credit rating and the list repaid according to the use of the car card are displayed on the screen.

As a user registration procedure as a new member is shown in Figure 3, the web server 61, if the user chooses to register as a new member through the login page and guides the member terms and service overview (S31) In step S32, the personal information input window for evaluating the user's credit rating is output to the screen, and the personal information input by the user is stored in the member information database 64 (S32).

The web server 61 calculates a credit rating based on the personal information input by the user. Here, as a credit rating calculation method, the existing credit card companies 30 are executed, and are calculated based on the number of arrears, the amount used, the job, the position, the size of the company, the income, the possession of cars and houses, etc. S33).

The web server 61 outputs the calculated user's credit rating level on the screen to check whether the user is satisfied (S34), and when the user selects his or her dissatisfaction with the credit rating rating, the credit rating evaluation guide message is displayed on the screen. If the information is missing and the information is missing, the credit rating evaluation criteria are guided and the personal information input step (S32) is repeated. If the user selects to satisfy his or her credit rating, the screen is displayed on the screen to select a security. do.

The web server 61, when the user selects a certain securities in the securities of the securities selection window, such as cash, gas ticket, gift certificate, automotive goods exchange ticket, free card use limit (S35), the use of securities in real time The inquiry guide message is output to the screen (S36), and the use reservation registration and main card registration guide windows are output to the screen (S37). Here, the use reservation registration service is a service for granting various special benefits when pre-registering to use a car card for a specific transaction, such as advertisement viewing registration, car insurance reservation registration, and main transaction card registration.

When the user requests the reservation registration and the main card registration (S37), the web server 61 executes the user's credit rating again and raises the rating and stores it in the member information database 64 (S38).

Meanwhile, as shown in FIG. 4, after the user registers as a car card member through a website or an event hall of the car card company 60 and receives the car card after a certain period of time (S41), the user selects the securities selected by the user. Will be paid (S42).

When the user holding the car card uses the car card through the earning merchant 40 for reasons such as car maintenance, fueling, and consumable replacement (S43), the earning merchant 40 calculates the payment amount of the corresponding product, The payment is approved through the user approval process (S44). At this time, the card company 30 receives the usage history from the credit card merchant 40 through the car card approval procedure, and transmits the usage history to the car card company 60 side, the car card company 60 to the user history On the basis of the update of the user's account book stored in the account book management database 63, the user's reserve status is transmitted to the card company 30 (S45).

The card company 30 will be printed to the card payment receipt of the user's reserve status transmitted from the car card company 60 to guide the user (S46). In addition, the user may check the reserve status in real time through his mobile phone or email.

The user may access the website of the car card company 60 and watch the advertisement provided from the advertising company 50 for a predetermined time, and may repay the reserve of the prepaid securities, and periodically at the car card company 60. Participation in the event will be reimbursed according to the conditions of the event. In addition, when the user repays more than the total amount of securities calculated by the increase in the monthly usage of the car card, if the amount is more than a certain amount, the payment is made to the securities according to the user's application, and the user's credit rating is raised to increase the membership information database ( 64) to provide a service for storing.

As described above, the present invention, the car card in advance through the alliance with the existing credit card company, according to the credit rating of the user, and the cash to deduct the price of the securities prepaid a certain amount of reserve according to the use of the car card. By managing the prepay service and the user's subsidiary online, and providing reserve inquiry through the user's mobile phone and e-mail, it is possible to form more differentiated car card membership and attract merchants and excellent members more efficiently. do.

In addition, the method and system for providing a car card using the Internet according to the present invention are not limited to the above embodiments, and various modifications and changes can be made without departing from the technical gist of the invention.

As described above, according to the present invention, securities that are prepaid for the securities by evaluating the credit rating to users who apply for a car card affiliated with a credit card company, and prepayments for the reserves generated by the user using the car card By providing cash prepay service to repay cash and providing online car book service to users, it is possible to provide more differentiated membership management services to more efficiently attract merchants and excellent members of car cards. have.

Claims (7)

A user accessing a website of a car card company using the Internet; A member registration step of confirming whether the connected user is an existing member through a login procedure and, in the case of a new member, providing a subscription procedure for granting an ID and password and a car card issuing service affiliated with a plurality of credit card companies; If the connected user is an existing member, displaying a car card service guide window and a menu window on a screen; Checking whether a user has selected a sub-book management service and a reserve inquiry service of the menu window; If the user selects a bookkeeping management service, outputting a bookkeeping book management service guidance message through a bookkeeping book management server and outputting a vehicle information input window of the user on the screen; When the user inputs his vehicle information, model, displacement, mileage, usage type, repair history, consumable replacement time, maintenance company, etc. in the vehicle information input window, the user stores the account book on the screen. Outputting; In the step of determining whether the car card service menu is selected, if the user selects the reserve inquiry service, outputting a reserve inquiry window of the reserve information service message stored in the reserve inquiry service guide message and the reserve management database; And If the user is registered as a member of the car card company, the method of providing a car card using the Internet comprising the step of receiving and using the prepaid car card according to the user credit rating. The method of claim 1, In the member registration step, if the user selects to register as a new member through the login page, guides the member terms and service overview, and outputting a personal information input window for the user's credit rating on the screen; Storing the personal information input by the user in a member information database and calculating a credit rating based on the user's personal information; Outputting a credit rating rating of the user to a screen to check whether the user is satisfied; If the user selects his or her dissatisfaction with the credit rating rating, outputting the credit rating guide message on the screen to guide the missing information and credit status evaluation criteria, and inputting personal information; If the user selects to satisfy his or her credit rating, outputting a selection window for selecting securities on a screen; When the user selects a certain securities during the securities cash, gas ticket, gift certificate, automobile goods exchange ticket, and credit card usage limit in the securities selection window, the message for real-time inquiry on the use of the securities and reserves, the use reservation registration, and the main card registration guide Outputting a window to the screen; And When the user applies for the use reservation registration and the main card registration, the method of providing a car card using the Internet comprising the step of re-executing the user's credit rating evaluation and storing the information in the member information database. The method of claim 1, The user accesses the website of the car card company and watches the advertisement provided by the advertising company for a certain time to repay the reserves of the prepaid securities, and participates in the event regularly held by the car card company to collect the reserve according to the event conditions. If the user repays more than the total amount of securities calculated by the increase in the monthly usage of the car card, the payment is made to the securities according to the user's choice, and the user's credit rating is raised and stored in the member information database. Car card providing method using the Internet, characterized in that to provide. The method of claim 1, In a step in which the user uses a car card, the user registers as a member with a car card company and receives a car card prepaid in accordance with the user's credit rating after a predetermined period of time; If the user holding the car card uses the car card as a means of payment for car maintenance, fueling, replacement of consumables, etc. through the earning merchant, the corresponding merchant calculates the payment amount of the corresponding product, and the user through the card company Receiving an approval procedure and payment approval; The card company receives the usage history from the corresponding credit card merchant through the car card approval procedure, and transmits the usage history to the car card company, the car card company updates the user account book stored in the account book management database based on the user usage history, Transmitting the reserve status of the user to the card company; And The card company provides a car card using the Internet comprising the step of guiding the user to print the status of the user's reserves sent from the car card company to the card payment receipt. The method of claim 1, In the reserve inquiry window, the balance of securities receipt according to the user's credit rating and the list repaid according to the use of the car card are shown on the screen, and the user displays the reserve status in real time through his mobile phone or email. Car card providing method using the Internet, characterized in that it can be confirmed. A user client 10 for physically connecting to the Internet 20 through a user client program having a credit card; The Internet 20, which is a network for transmitting and receiving data through remote communication; A card company 30 that provides a cash prepayment service through a strategic alliance with an automobile card company 60; A plurality of affiliated shops 40 divided into general affiliated stores that have signed an affiliate agreement with the card company 30 and earned affiliates that provide cash prepay service of a car card; A plurality of advertisers 50 for advertising through a website of a car card company 60; And When the general users who have a credit card through a strategic alliance with the card company 30 and the advertisement company 40 apply for a car card service, the pre-issued car card is reissued to provide a cash prepay service and a car care book management service. Car card providing system using the Internet, characterized in that configured to provide including a car card company (60). The method of claim 6; The car card company 60 guides various service guides, service menus, car cooperation card issuing services, car information, bulletin boards, advertisements, affiliated card companies and affiliated stores through a web page to users registered through the Internet 20. A web server 61 providing a service; After receiving and storing the vehicle information of the user registered as a member, and using the car maintenance, replacement of consumables, refueling, etc. through the car card merchant 40 to update the user's car account book data based on the transaction history A subsidiary book management server 62; A subsidiary book management database 63 for storing the user's mica book updated through the subsidiary book management server 62 based on the membership number; A member information database 64 for storing personal information, vehicle information, main transaction card information, credit information, etc. of a user registered as a member in the car card company 60; A credit management database for evaluating the creditworthiness of the user registered as a member in the car card company 60, storing the reserves of securities prepaid according to the grade, and managing the reserves deducted as the user uses the car card (65) ); A usage history database 66 for storing the usage history of the user having the vehicle card using the general and credit affiliate store 40; And car card using the Internet, characterized in that it comprises a service guide database for storing the use guide and bulletin board, the type of securities, general merchants and accumulated merchants, subsidiary management, advertising company information according to the use of the car card Providing system.