KR20010082398A - Sales Network System Marketing use the advance card, credit and electronic cash - Google Patents

Abstract

PURPOSE: A method for distributing a network selling marketing profit using a debit card, a credit card, and electronic money is provided to distribute a new profit structure to users. CONSTITUTION: A general person joins to a membership by buying a card and electronic money(200). A member's account is created in a card issuing company and an electronic money issuing company, and using cost of the member is added or subtracted, and mileage margin is supplied(300). The member buys a commodity using the card and electronic money at a member store and pays the cost(400). If the member pays the cost, a supplying request is requested to the card issuing company and the electronic money issuing company(500). The paying amount is supplied to the member store(600). The card issuing company and the electronic money issuing company pay the cost to the member store(700). A partial portion of the margin is supplied to the member based on a member compensation criterion(800). An allowance is supplied to a member store collector and the remaining margin is stored as a profit of the card issuing company and the electronic money issuing company(900).

Description

How to distribute revenue from network sales marketing using prepaid cards, credit cards and electronic money {Sales Network System Marketing use the advance card, credit and electronic cash}

The present invention has been invented for the purpose of profit sharing to members using a prepaid card, credit card, electronic money. The present invention holds the amount of the membership of card issuers, electronic money issuers Members intermediate miles (points), higher write write given the margin card issuer, electronic money issuers compared to the credit card used for the mass production of existing credit defaulters Its purpose is to increase the number of credit card issuers and electronic money issuers.

Merchants provide the card issuer and the electronic money issuer with separate supply and selling prices for all commodity prices, allowing users to spend at the merchant (including paid sites and shopping malls) and spend the money on the card issuer and electronic money issuer . It pays and distributes the mileage (points) and margin accordingly to users according to appropriate standards. Therefore, the present invention is a network sales marketing system using the world's first prepaid card, credit card, electronic money, which is satisfied by the card user electronic money user, card issuer, electronic money issuer , and merchant. And most importantly , the main cause of mileage (points) and margin generation is the contract with the merchant recruiter (convenience expression: the person who operates the merchant ) and the merchant product delivery, and eventually the merchant of the card issuer and the electronic money issuer It is a huge shopping line that sells directly to members. In addition, even if the card issuer and the electronic money issuer do the sales by directly recruiting merchants without a merchant recruiter, even if the method returns the mileage (points) and margins to members, it does not depart from the basic framework of the present invention.

The present invention is classified into four stages and explained.

1. Sales system for the distribution of margin mileage (point) members using prepaid cards, credit cards, and electronic money

2. Establish ON-LINE, OFF-LINE e-commerce using merchant recruitment and enter into merchants

3. Internal banking system for card issuer and electronic money issuer members

4. Entered stores in the form of delivery of products and services (including paid sites)

An object of the present invention is to provide a user with a new profit structure and enjoy abundant life by spending without burdening the household economy.

Therefore, it consumes the merchants (including internet paid sites) and transmits the records according to the INTERNET and VAN (value added communication network), records them in the server of the card issuer and the electronic money issuer , calculates the accounts, and provides payment to the merchants. Users can distribute the appropriate mileage (points) and margin accordingly, check their accumulated amount through the Internet, spread the consumption without mass producing bad credit, and card issuers and electronic money issuers The purpose is to create.

1 is a conceptual diagram in the present invention.

2 is a system diagram of one embodiment of the present invention;

Figure 3 is a flowchart of one embodiment in the present invention.

4 is an overall conceptual diagram of the activity situation of the merchant recruiter in the present invention.

Figure 5 is a detailed conceptual view of the merchant joining business of merchant recruiters in the present invention.

6 is a system configuration diagram of merchant recruiters in the present invention.

7 is a sales activity flow chart of merchant recruiters in the present invention.

8 is a conceptual diagram of a member internal banking system according to the present invention;

9 is a conceptual diagram of a member internal banking system according to the present invention;

10 is a block diagram of a member internal banking system according to the present invention;

Figure 11 is a member internal banking system flowchart in the present invention.

Figure 12 is a schematic view of the entire merchant holding goods delivery in the present invention.

13 is a conceptual diagram of a merchant holding goods delivery in the present invention.

14 is a schematic view of the merchant holding goods delivery configuration in the present invention.

Fig. 15 is a flowchart of a merchant holding product delivery in the present invention.

*** Explanation of symbols for the main parts of the drawing ***

{Drawing 2}

10. Membership registration module 20. Merchant management module

30. Member Account Creation Module 40. Member, Merchant Management Module

50. Shopping Manager Management Module 60. Transaction Accounting Module

70. Member Reserve Calculation Module 80. Member DB

90. Internet 100. Terminal

110. Card User 120. Value Added Network Terminal (VAN)

{Drawing 3}

200. Membership registration process by card purchase 300. Member internal account creation

400. Member Merchant Use 500. Merchant, Application for Payment of Payment for Member Use

600. Check Member Transaction History 700. Payment of Member Merchant Payment

800. Member compensation standard applied, margin reserve paid

900. Merchants' allowance payment and remaining margin card issuer Electronic money issuer secured revenue

{Drawing 5}

1. Shopping Manager Application 2. Shopping Manager Approval

3. Merchant subscription business and contract 4. Merchant application 5. Merchant approval

{Drawing 6}

10. Shopping Manager Application Module 20. Merchant Application Module

30. Shopping Manager Management Module 40 Merchant Management Module

50. Member DB 60. Internet 80. PC

{Drawing 7}

100. Start 200. Become a member (purchase card)

300. Application for Merchants 400. Registration Fee, Deposit Deposit

500. Registration fee, deposit payment confirmation 600. Merchant registration business

700. Report Merchant Contract 800. Enter Merchant Product Information

900. Transaction between members and merchants 1000. Payment of merchant member use transactions

1100. Merchant recruitment allowance payment 1200. Termination

{Drawing 9}

1. Sign up 2. Create a member account 3. Transfer funds

{Drawing 10}

10. Member Account Module 20. Card Balance Accounting Module

30. Remittance Request Confirmation Module 40. Remittance Operations Module

50. Members DB 60. Internet 80. Members A, B PC

{Drawing 11}

100. Start 200. Sign up (purchase card)

300. Create A member internal account 400. Create B member internal account

500. Generate mileage (points), margin reserves from membership card use

600. Request for mileage (point) and margin deposit transfer to member A member B

700. Remit B member's remittance 800. Remit remittance to A member card account

900. A member used to receive the remittances.

{Drawing 13}

1. Contract for provision of product information and delivery form 2. Use and purchase of merchant service

3. Merchant information provision Mileage (points) according to the use of merchant transactions, margin deposit paid to the membership card account

{Drawing 14}

10. Merchant Application Module 20. Merchant Agreement and Approval Module

30. Merchant information input module 40. Product information input module

50. Merchant Location, Product Search Module 60. Transaction Accounting Module

70. Member DB 80. Internet 90. PC

{Drawing 15}

100. Start 200. Merchant recruitment of merchants

300. Merchant contract and product delivery contract 400. Merchant approval

500. Enter Merchant Information for Merchant Recruitment

600. Enter Merchant Product Information for Merchants

700. Merchant Search (WEB) and OFF-LINE Sales

800. Membership service purchase 900. Merchants, member transaction history sent

1000. Merchants, Membership Payment Payment Application

1100. Confirmation of member transaction details 1200. Approval of payment

1300. Payment of payment 1400. Profit payment for members and merchants

1500. Termination

1 is a conceptual diagram of the present invention in the present invention.

In the conventional transaction method, the user uses and purchases the service by cash and credit card, and the card issuer and the electronic money issuer pay. At present, this method has a disadvantage in that the user can no longer purchase and use the service unless the user's funds are sufficient.

However, the system insisted in the present invention occurs when a merchant makes a contract with a merchant in the form of supplying their products to a card issuer or an electronic money issuer when the user uses a purchase and a service at an affiliated merchant. The middle margin is managed by the card issuer and the electronic money issuer and refunded back to the user according to appropriate standards. Therefore, the present invention has a significant advantage that the user can spend again with the amount of money issued by the card issuer, electronic money issuer to their card, electronic money account, card issuer, electronic money issuer is to create a new revenue model have.

2 is a system configuration diagram of one embodiment in the present invention.

10. In the membership registration module, when a general person purchases a card or makes an online application, the system registers and sends a card or issues a card from an offline sales office.

20. The Merchant Management Module is based on the system of recruitment of merchants that perform affiliate store sales.

When the application is made in the affiliated store application module of FIG. 6, registration is approved in the affiliated store management module. This module manages the transaction details of 40. Member, Merchant Management Module and Linked Card User and Merchant, and manages payment information for payment. And with the information of the card user who used the merchant 70. Linked with the member reserve calculation module 50. Linked with the merchant recruitment management module 60. Payment payment by calculating with the information in all processes in the transaction accounting module, 70 It sends information about the member to the member reserve calculation module and provides information on payment of payment to the merchant.

30. The member account creation module automatically creates a card account when a member joins. Later payments will also be made through this account.

40. The member and merchant management module is a transaction history is transmitted when the member and the merchant makes a transaction and recorded in the card and the record is transmitted to the head office server through the terminal.

50. Merchant Recruiter Management Module is a module for managing the membership recruitment of affiliated merchants, the list of affiliated merchants, the records of general card users who have joined, and where they have made transactions. 40. It works in conjunction with membership, merchant management module, and 60 transaction accounting module. 90. You can check the transaction details using the 100. terminal through the Internet.

60. The Transaction Accounting Module orders the correct distribution according to the calculation and compensation system in connection with the Membership Management Module and Merchant Management Module.

70. The member reserve calculation module is responsible for calculating the reserves to be paid to card users in connection with the 60. Transaction Accounting module.

80. Member DB manages the information according to 10. Membership Registration Module and is responsible for termination of membership. Therefore, it has information about card, electronic money users, and merchant recruiters.

90. The Internet network allows the server to be connected to the Internet to view transaction details and other details on the Web, and to transmit the usage records of Internet merchants.

100. A terminal is used when a card, an electronic money user, or a member wants to view transaction details by connecting to the Internet.

110. The user of the card and the electronic money is the person who uses the card issuer, the electronic money issuer's card and the electronic money.

120. A VAN (Value Added Network Terminal) is used to transmit payment bills used by card and electronic money users at each merchant to the server.

3 is a flowchart of one embodiment in the present invention.

200. The membership registration procedure for purchasing a card becomes a member of a card issuer and an electronic money issuer by purchasing a card and electronic money.

300. Member's internal account creation is used to add and deduct member's usage fee and pay mileage (points) and margins as a member's account is created in the card issuer and electronic money issuer.

400. The use of member merchants is a stage where a member purchases services and purchases products and pays with the card and electronic money issued by the member.

500. The request for payment of payment for the use of merchants and members is a step in which payment is made to the card issuer and the electronic money issuer when the member makes a payment.

600. Member's payment confirmation confirms the transaction history for the service and purchase used by the member, and pays the member's payment.

700. The payment of merchant member payment shall be made by the card issuer and the electronic money issuer to the merchant.

800. Application of Member Compensation Criteria, Payment of Margin Rewards A part of the margin shall be paid to the member in connection with 600. Transaction History Confirmation by applying the member compensation criteria prepared by the card issuer and the electronic money issuer.

900. Receipt of Merchants' Allowances and Remaining Margin Card Issuer E-Money Issuer Revenue shall be paid to the merchant recruiters according to the member's use, and the remaining margin shall be secured by the card issuer's e-money issuer.

4 is an overall conceptual diagram of the activity situation of the merchant recruiter in the present invention.

5 is a detailed conceptual view of the affiliated store affiliated sales of merchants recruiters in the present invention.

{Drawing 5}

1. Merchant recruitment application is applied by the card issuer and the member of the electronic money issuer for the purpose of joining a merchant as an individual business operator.

2. Merchant Recruiter approval is approved by the card issuer and the electronic money issuer as the shopping manager.

3. Merchants' sign-ups and contracts, the recruiters of the sign-ups to the merchants of the card issuer, e-money issuers to the off-line mall and the Internet site to induce the sign-up contracts of the card issuers.

4. Merchant application is a stage in which an OFF-LINE store or an Internet site that is recommended by a merchant recruiter to apply for a merchant contract with a card issuer or an electronic money issuer.

5. Merchant approval allows the card issuer and the electronic money issuer to approve merchants for legal qualification.

6 is a system configuration diagram of merchant recruiters in the present invention.

{Drawing 6}

10. Merchant Recruiter Application Module receives the application of its personal details and sales capabilities from the card issuer and e-money issuer subscription application screen.

20. Merchant application module is a module where OFF-LINE stores or internet sites apply to join a merchant on the Internet.

30. Merchant recruitment management module is a module for managing members who have applied for merchant recruitment and is in charge of management in connection with 40. Merchant management module.

40 Merchant Management Module is a module that manages off-line shopping malls or internet sites that have signed a merchant contract with a card issuer or an electronic money issuer. 30. Manages merchant information in connection with a management module for recruiting merchants.

50. The Member DB works in conjunction with, and has information about, modules 10. 20. 30. 40.

60. The internet network connects applications and subscriptions over the Internet. 80. PC

7 is a sales activity flow chart of a shopping manager in the present invention.

{Drawing 7}

200. Membership (card purchase) is the stage of membership registration of card issuer and electronic money issuer.

300. Merchant recruitment application is a stage in which a member applies in order to qualify for a card issuer or an electronic money issuer to join a merchant.

400. Payment of registration fees and deposits is a provision that determines the ability and credibility of merchant recruiters as a measure to enter and deliver reliable and safe products and reliable merchants.

500. Confirmation of registration fee and deposit payment is to verify that the member applying for merchant recruitment has actually applied.

600. Merchant registration is a stage where merchant recruiters perform substantive subscription operations.

700. Merchant contract report is a step of reporting the affiliate sales performance of merchant recruiters.

800. Merchant product information input is a step of inputting the information of goods and services handled by the affiliated merchants, the card issuer, the electronic money issuer and the member sees this and performs the use and transaction accounting.

900. Membership and Merchant Transaction is the stage where a member sees 800. Merchant product information input and actually goes to a merchant.

1000. Payment of membership and merchant use is made by card issuer and electronic money issuer.

1100. Merchant Recruiter Allowance is an allowance paid by a card issuer or an electronic money issuer to a merchant recruiter after the preceding steps.

8 is a conceptual diagram of a member internal banking system according to the present invention.

9 is a conceptual diagram of a member internal banking system according to the present invention.

{Drawing 9}

1. Signing up is a step to become a member when purchasing a card.

2. Member account is created when a card or electronic money is purchased.

This is where you earn margin reserve miles.

3. When remittances are made and other members borrow and remit money to other members, the funds are remitted as much as they want by applying and approving remittance through the server of the card issuer or the electronic money issuer. This allows internal banking.

10 is a block diagram of a member internal banking system according to the present invention.

{Drawing 10}

10. The member account module is an account that is automatically created upon card membership.

20. The card balance accounting module checks the members' balance and is responsible for remittance, card service use, and recharging.

30. The remittance request confirmation module checks the facts to the lender and enters the actual remittance work.

40. The remittance task module sends the requested amount of money from the member's account to be remitted to the account of the member to be remitted. Of course it is a numerical transfer.

50. The Member DB has all the information on membership certification to perform these transfers and deposits.

60. The internet network operates by applying to the server of the card issuer and the electronic money issuer through the Internet.

80. Members A and B PCs are members' computers connected to the Internet.

11 is a flowchart of a member internal banking system according to the present invention.

{Drawing 11}

200. Membership (card purchase) is an automatic subscription by purchasing a card.

300. A member's internal account creation is created automatically when a card purchase is made.

400. B member internal account creation is created automatically when a card purchase is made.

500. The creation of mileage (points) and margin deposits due to the use of membership cards is provided by the card issuer and the electronic money issuer in the form of a direct sale to the member, so that the card issuer, The issuer of the electronic money pays the mileage (points) and margin reserves between the selling price and the supply price to the member account.

600. A member A member B's question about requesting remittance of mileage (points) and margin reserves is a step for using member internal banking.

700. B member's remittance approval must be approved by the member who received the remittance request, and the amount approved in member B's account will be remitted to member A.

800. Remittance of credits to A-member card account 700. B-membership transfer approved 600. A-member B-members transfer the mileage (points), margin reserve transfer request.

900. The use of the A-member's remitted reserves is the step of actually using the remitted funds at the merchant.

Figure 12 is a conceptual diagram of the whole merchant holding goods delivery in the present invention.

Figure 13 is a conceptual diagram of the product delivery of the merchant holding in the present invention.

{Drawing 13}

1. Provision of product information and delivery form The contract is a card issuer and an electronic money issuer acting as a sales agent when a general store becomes a merchant of a card issuer and an electronic money issuer. Should be.

2. Merchant service use and purchase is a stage where a member uses the merchant service and purchase

3. Providing Merchant Information The payment of mileage (points), margin reserve membership card, and electronic money account according to the use of merchant transactions shall be paid to the member's card and electronic money account of the margin reserves and mileage points.

14 is a schematic diagram of a product delivery structure of a merchant in accordance with the present invention.

{Drawing 14}

10. Merchants application module is a module where merchants and merchants wish to apply directly to the server of the card issuer and the electronic money issuer according to the recommendation of the merchant recruitment.

20. Merchant contract and approval module is linked with 10. Merchant application module to approve a merchant after its approval and a merchant contract is made.

30. In the merchant information input module, the merchant and the merchant recruiter must directly store the merchant information on the server of the card issuer or the electronic money issuer.

40. The product information input module is connected to the 30. merchant information input module to store and store the product information of the merchant in the server of the card issuer or the electronic money issuer.

50. Merchant location and product search module provides member information by searching the card issuer and electronic money issuer's server to search the merchant's location and product category.

60. The transaction accounting module is a module that calculates transactions according to transactions when a member uses a merchant. This module uses VAN and INTERNET, etc., the card issuer and the electronic money issuer server take over the transaction record, perform the operation, and the result is received by the card issuer, the electronic money issuer, the merchant, and the member.

70. Member's DB is a database of card issuers and electronic money issuers. It contains all members' information, and authentication is also performed.

80. The internet network can access the server of the card issuer and the electronic money issuer through the Internet.

90. A PC is a member-owned PC connected to the Internet.

15 is a flow chart of a merchant holding goods in the present invention.

{Drawing 15}

200. Merchant recruitment of affiliated merchants is a stage where local merchant recruiters applied for card issuers and electronic money issuers search for shops in the neighborhood and do the subscription business.

300. Merchant contracts and product delivery contracts are signed by merchants who are invited to join merchants by card issuers and e-money issuers.

400. Merchant approval shall be approved after reviewing whether the merchant recruiter sends information on the merchant to the card issuer and the electronic money issuer.

500. Merchant Recruiter and Merchant Information Input inputs detailed information such as merchant recruiter and merchant's location handling items to the card issuer and electronic money issuer's server.

600. Entering the merchant product information of the merchant recruits the handling of the contracted merchant 500. Enter in conjunction with merchant recruitment and merchant information input.

700. Merchant Product Search (WEB) and OFF-LINE Sales are the actual stages of use by members. At this stage, the member searches for the merchant's information on the Internet or goes through the promotion to purchase and use the service.

800. Purchasing a member service product is a stage where a member makes an actual purchase.

900. Merchants, member transaction history transmission transmits the records for the service and purchase price used by the member to the card issuer, electronic money issuer for the application for payment.

1000. Merchant, membership transaction payment application is made in connection with 900. Merchant, member transaction details transmission.

1100. Checking the member transaction history is a step of verifying that the actual use has been made to the member and the merchant.

1200. Payment authorization approval is a step in which payment is made to the merchant when the card issuer and the electronic money issuer server are verified.

1300. Payment will be made in connection with 1200. Payment approval.

1400. Profit payments for members and merchants pay margin points, allowances, etc.

The present invention is a network sales marketing profit distribution method using prepaid card, credit card, electronic money, which is a new business method in the reality that many people do not consume due to lack of funds and economic requirements, but rather become poor credit. Now the membersIt is a business invention designed to allow you to spend as much as you want at an increased holding amount without becoming a bad creditor anymore. In addition, this invention is a breakthrough in that the card issuer and electronic money issuer whose fees were the main source of revenue can make a new profit model of the remaining margin paid to members through margin management.And Belonging to the present inventionMerchant recruiters offer the opportunity to emerge as a new SOHO business in the high unemployment rate.AndOpportunity to generate new profits as much as members receive payments from card issuers and electronic money issuersto be.

It can be characterized by the fact that a new occupational group arises from the development of the present invention .

Claims (1)

When a prepaid card, credit card, or electronic money issuer contracts with an affiliated store, it deals with receiving goods and services delivered at a delivery price. Contracts and servers in writing with the Internet through each issuer's homepage and merchant recruiter. Transmitting to; Each of the above-mentioned issuers provides products and services of affiliated stores (Internet paid sites, shopping malls, off-line stores) to members at the normal and discounted prices. The website (e-mail, homepage, news, etc.) , News, etc.) to induce and sell; The mileage (points) and margins generated after the sale in the above step are managed by the respective issuer servers, and the mileage (points) and margins are calculated and applied to the members by the 70. reserve calculation module of FIG. 70. The mileage (point) profit distribution, multi-stage profit distribution, etc. are arbitrarily distributed to the above member account in the server to increase the value of the member account holding amount. Enabling payment; The above member connects with member DB by using his / her own member account created internally in the server, member account module, card balance accounting module, remittance request confirmation module, remittance operation module, and numerical transfer between each member in server Can be done; Merchants in the server in connection with the affiliates' management module, transaction accounting module, affiliated store management module, member DB, etc. Paying to a recruiter account; When the above steps are executed, the mileage (points) and margin management are paid to the member, the merchant, and the merchant recruiter, leaving the remaining margin on the server of each issuer as the source revenue of each issuer. e-commerce and off-line commercial transaction method that includes; step, characterized