KR20010092198A - Point-up card service system and method for on-line mode and off-line mode suitable for customer and member store management and card trade approval - Google Patents

Abstract

PURPOSE: An accumulating card service system and method of on/off-line mode having a function for managing a client and a member store and function for approving a card transaction is provided to implement an accumulated point to a user and manages the embodied accumulated point through a managing bank and to enable the user buy a commodity or a service using the accumulated point when a client performs a transaction by a card in an on-line member store and an off-line member store of a card company. CONSTITUTION: A card company server(20) embodies an accumulated point to a member as a predetermined rate with respect to a transacted amount if a card number, a date, a selling price through a plurality of member stores at a card transaction, and manages members, selling and accumulated points. An approval server(18) requests an approval of a card to the card company, receives an approval signal from the card company and transmits the approval signal to a member card terminal or a member store computer(34). The member store computer(34) inputs the card number, the date, the selling price, an accumulated point, buying contents of a commodity, and manages the member and the selling. A managing bank server(28) stores accumulated points according to member stores and members in a database(34), refunds accumulated points to the member and informs a movement of the accumulated points as an amount used by the member if a supply of accumulated points from a member company.

Description

Point-up card service system and method for on-line mode and off-line mode suitable for customer and member store with online and offline mode with customer and merchant management function and card transaction approval function management and card trade approval}

The present invention relates to a credit card system, and more particularly, to a credit card service system and method for both online and offline mode having a customer and merchant management function and a card transaction approval function.

In general, point-of-sale (POS) systems are used to computerize inventory and sales status of goods in supermarkets or convenience stores.

However, as customer management is rapidly changing systematically and technically according to sales, a system for accuracy of management system and convenience of customers is required.

On the other hand, when a customer stops at a store to trade with a card, a card terminal or a card reader equipped with its own modem or a card reader and an interface module are provided at the point where the transaction is made, or the card reader means is mounted. Check the card with the card reader connected to your computer.

Then, the card number and transaction date of the checked card are transmitted to the VAN company via the public line telephone network (PSTN) using a modem of the credit card inquiry machine 10 or the computer 20 to request the approval of the card transaction.

However, using the VAN system currently used, the card company has to pay a certain amount of more than 100 won per case to the VAN company, such a VAN fee (fee) is a cause that can not reduce the credit card fee.

In addition, the shop that deals with the card is connected to the VAN company using a telephone line, so the processing speed is slow, and the communication cost is about 50 won per case.

In the conventional card transaction approval system, both shops and card companies must pay a large amount of cost through the VAN via a telephone line, and this cost must be paid by the card user, thus preventing the activation of the card transaction.

On the other hand, there are many companies that give points or introduce a mileage system when a customer deals with their card at the merchant, and the reliability of the management is suspected because the company manages the reserve itself.

An object of the present invention, in order to solve the above problems, when a customer deals with the card at the online merchant and offline merchants of the credit card company, grant points to the member, and manage the earned points through the management bank, It is possible to approve card transactions through the Internet, and to manage customers and merchants by the merchants, and the card transaction approval function, and members can purchase goods or services from online merchants or offline merchants by using points. If you want to be refunded in cash when a certain amount of points more than a certain amount is to provide a credit card service system for both online and offline mode with a customer and merchant management function and card transaction approval function that can be refunded in cash.

Another object of the present invention is to provide a credit card service method for both online and offline mode with a customer and merchant management function and a card transaction approval function performed in the system to solve the above problems.

1 is a configuration diagram of a credit card service system for both online and offline mode with a customer and merchant management function and a card transaction approval function according to the present invention.

Figure 2 is a flow chart illustrating a credit card service method for both online and offline mode with a customer and merchant management function and card transaction approval function according to the present invention.

3 is a flowchart illustrating a process of earning earned points.

4 is a flowchart illustrating a process of using the earned points.

In order to achieve the above object, in the earning card service system that gives credit points when a member of the earning card company performs card transactions at at least one or more affiliated stores of the earning card company, the credit card company is installed in the earning card company, Receiving credit card number, date, sales value, etc. through merchants, grant points to members at a predetermined rate for the transaction amount, and earn points for managing customers, sales, inventory, closings, expenses and earned points for each merchant Card company server; An authorization server requesting an authorization from a card company to which the transacted card belongs and receiving an authorization signal from the card company and transmitting the authorization signal to the affiliated card terminal or the affiliated computer; An affiliate computer for inputting a card number, date, sales price, etc. of the transaction card and purchase details of the accumulated points and products, and managing customers, sales, inventory, closing, and expenses; And a management bank server that stores member points for each member in a database and, upon request for payment of points from the card company, refunds the points to the member, and informs the merchant that the points have been transferred as much as the member used. There is provided a credit card service system with a customer and merchant management function and a card transaction approval function.

In order to achieve the above another object, in a method of providing a credit card service using a network connected to the credit card company server, the authorization server and the management bank server installed in a plurality of merchant computers and credit card company, the earning Earn points earning process that points earned when transactions in the merchant using a card; The process of using the earning points that the member deals in the affiliate store using the earning points; And a credit card method of combining online and offline modes with a customer and merchant management function and a card transaction approval function, which includes a credit point refund process for refunding the cash reward points to the member.

Hereinafter, the present invention will be described with reference to the drawings.

1 is a configuration diagram of a credit card service system for both online and offline mode with a customer and merchant management function and a card transaction approval function according to the present invention.

As shown in FIG. 1, the system includes a plurality of affiliated stores 12, 14, and 16, an authorization server 18, a credit card company server 20, a financial common network server 22, a credit card company server 24, The management bank server 28 and the shopping mall 30 are interconnected to the Internet 10.

Meanwhile, the affiliated stores 12, 14, and 16 have a card terminal 32 and an affiliate computer 34, or a card reader 36 and an affiliated computer 38, and the credit card company and the mutual agreement by agreement. It is a place where members of the credit card company can use the card because it has a contract.

Examples of such franchises include gas stations, restaurants, home appliances, clothing, hops, taverns, furniture, stationery, office supplies, confectionery, fast food restaurants, maintenance and vehicle stores.

As such, the affiliated stores that can actually use the credit card (not the cyber award) are referred to as offline affiliated stores.

On the other hand, sites such as the Internet shopping mall 30 or Internet banking that has a mutual contract with the credit card company by agreement can also be a merchant. As such, merchants through which cyber transactions are made through the Internet are referred to as online merchants for convenience.

Therefore, members of the earning card company can trade using the earning card in the online merchant or offline merchant.

In addition, accumulating points (cyber money) accumulated through these transactions can be used in both online merchants or offline merchants.

The company operating the online affiliated store 30 is provided with a server capable of operating an Internet site such as an internet shopping mall.

These servers and affiliated computers are equipped with programs such as customer information management, sales management, inventory management, closing management, expense management, earning point management, and voice information service. Each merchant directly manages customer information management, sales management, and inventory. Management, deadline management, expense management, earn points management and voice information services can be performed.

In addition, offline merchants can run web browsers such as Explorer or Netscape, and have dedicated Internet lines such as ADSL, ISDN, cable and dronet.

The card reader or card terminals connected to the offline merchant computer are connected to the merchant computer and an interface module so as to recognize a credit card, a debit card, or an IC card, or the card reader function is installed in the computer. On the other hand, there is also a bar code reader is further connected to these merchant computer or card terminal.

In addition, online merchants are to use the touch pad method for image recognition of a credit card, debit card, IC card or a card number input method to make an electronic payment at the time of card transaction.

If there is a card transaction at an online merchant or an offline merchant, the card number sent from the traded card is input and the purchase history of the product is entered to store the input value in the customer information, sales, inventory, closing, spending, and earning points management program. do.

In addition, these offline affiliated computers are equipped with credit, debit, and earned points transaction approval programs, so that when the merchant wants to check whether the card is approved when a customer makes a transaction with the card, the ADSL, cable line, and dronet It is connected to the approval server 18 through the gateway dedicated line of the Internet network by using the Internet dedicated line, such as wire.

At this time, the authorization server 18 transmits the credit card transaction to the credit card company according to the type of card, debit card transaction to the financial common network, and credit card transaction is transferred to the credit card company via TCP / IP method over the Internet. Then, the transaction approval signal is returned from them.

Credit card companies, financial cooperative network, and credit card companies each have their own DB, and upon receiving the approval request from the approval server 18, the own DB is searched for the card number and details of the requested card and whether the card is approved or not. Confirm the approval deadline and transmit it to the approval server (18).

The credit card company server 24 installed in the credit card company checks the approval of the card required for approval through the authorization server 18, and grants points to each member using the credit card for use, and each merchant Integrate and manage their customer information, sales, inventory, closing, spending, and earn points management.

The financial community network checks the approval of the card for which authorization is required through the approval server 18 when the user uses the credit card.

Figure 2 is a flow chart illustrating a credit card service method for both online and offline mode with a customer and merchant management function and card transaction approval function according to the present invention.

The member presents a credit card when using goods and services at an online merchant and real-life offline merchant such as an internet shopping mall (102). The merchant transmits the transaction history to the approval server (104). The authorization server transmits the transaction history of the card to the card company (106).

The card company transmits the transaction approval and the accumulation result to the approval server (108).

The approval server transmits the transaction approval and the accumulation result to the nationwide merchants (110). The affiliated store provides the card member with a confirmation slip printed on the printer through the printer (112).

The card company notifies the affiliated store of the points providing details and the transfer date (114).

The credit card company commissions the transfer of credit points to the Financial Services Commission (CMS) (116), and transfers the corresponding credit points from the merchant's credit point automatic transfer application account to the designated account of the management bank (118).

Members can purchase goods or services at online merchants or offline merchants using the earned points, and can be refunded in cash if they want to be refunded in cash when the accumulated points are over a certain amount.

The card company, when the member uses the points earned at the merchant or request a cash refund to the card company (120) request the payment point to the management bank (122).

The bank pays the accumulated points used at the merchant to the merchant automatic transfer application account (124), and the cash refund is transferred to the account of the cardholder's own name (126).

The card company sends the promotional material and the affiliated store location and instructions to the member (122).

The following will describe in more detail the process of earning, using and refunding earned points.

3 is a flowchart illustrating a process of earning earned points.

When the merchant purchases using a card (202), the merchant makes an application for accumulation to the approval server (204). The authorization server applies for credit to the card company (206), and the card company builds a DB for earning points for members and merchants (208).

In addition, the card company to approve the approval server by the credit approval (210), the approval server transmits the approval facts to the affiliated store (212), the merchant stores a confirmation slip indicating that the earned points printed through the printer has been accumulated to the member By providing a notification of the earning fact (214).

At this time, when a member makes an electronic payment using a card at an online merchant such as an internet shopping mall through a computer used by the member, the fact that the accumulated points are accumulated is displayed on the computer screen used.

In addition, the card company transmits the next day accumulation approval specification to the management bank collectively (216). Management Bank accumulates DB points by member and member (218).

4 is a flowchart illustrating a process of using the earned points.

Members can purchase items at online merchants or offline merchants using the earned points.

When the member tries to purchase the goods and services of the merchant (302), the merchant applies for permission to use the authorization server (304), and the authorization server applies for use to the card company (306).

The card company approves the use of the accumulated points to the approval server (308), the approval server transmits the use authorization to the affiliated store (310), and the affiliated store notifies the member of the use (312).

The card company sends the next day approval specification to the management bank in a batch manner (314).

The following describes the process of refunding accumulated points.

The card company manages the sales DB for each member and the earning points DB for each member. After confirming the detailed account for the refund, the card company sends it to the management bank. Management Bank transfers funds for each member by requesting a batch payment of DB points for each member (refundable). Management Bank transfers funds by merchant by requesting payment of sales DB (use amount) by merchant.

The drawings and specification are merely exemplary of the invention, which are used for the purpose of illustrating the invention only and are not intended to limit the scope of the invention as defined in the appended claims or claims. Therefore, those skilled in the art will understand that various modifications and equivalent other embodiments are possible from this. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

According to the present invention, there is provided a credit card service system and method for both online and offline mode with a customer and merchant management function and a card transaction approval function.

First, members can purchase goods or services at online merchants or offline merchants using the earned points, and can be refunded in cash if they want to be refunded in cash when the accumulated points are above a certain amount.

Second, because the management bank manages the earned points, the earned point management is stable and transparently managed to ensure reliability.

Third, since credit points are accumulated to the card user and it is returned to cash, merchants can secure fixed customers and increase sales, and members can receive refund benefits according to the accumulation and the company can get the profit of the membership management fee.

Fourth, affiliated computers are composed of a network including the Internet network, which can be unified into a single system. Card companies can efficiently manage each member and member, and transmit and provide mutual information.

Fifth, it can be easily applied to the head office or a single business that operates and manages large chain stores, and is much more effective than the existing individual operation methods in store management and customer management.

Sixth, affiliated stores or chain stores can systematically perform orders, payment processing, including customer information management and sales, inventory, closing, expenditures, points management.

Seventh, auto calling service (birthday, wedding anniversary, product information, etc.) and automatic answering service are available using voice board.

Eighth, it is possible to provide practical and active S / W according to the program supply (eg, clothing companies supply the program for barcode use) that meets industry needs.

Ninth, the credit card company can reduce the VAN fee (inquiry fee) because the card transaction approval using the Internet can confirm whether the card transaction is authorized at a much lower cost than the system using the general telephone network.

Tenth, merchants used a modem when requesting approval through the existing card terminal, so it cost a lot of communication costs.However, this system does not go through the public line telephone network (PSTN), but by using the Internet dedicated line. Not only is it faster, but it also saves communication costs by paying only a certain amount per month.

Eleventh, members can use the accumulated points provided online (internet) and offline (real life) can be used to promote practicality and convenience.

Claims (9)

In the earning card service system that gives a earning point when a member of the earning card company performs a card transaction at least one or more affiliated stores of the earning card company, When installed in the credit card company, and receives a card number, date, sales price, etc. through the plurality of merchants during the card transaction, grant points to members at a predetermined rate for the transaction amount, customers, sales by merchants Credit card company server to manage inventory, deadlines, expenses and earn points; An authorization server requesting an authorization from a card company to which the transacted card belongs and receiving an authorization signal from the card company and transmitting the authorization signal to the affiliated card terminal or the affiliated computer; An affiliate computer for inputting a card number, date, sales price, etc. of the transaction card and purchase details of the accumulated points and products, and managing customers, sales, inventory, closing, and expenses; And It includes a management bank server that stores member points for each member in the database, requests credit points to be paid by card companies, refunds points to members, and informs the merchants that points have been transferred as much as the members used. Earn card service system with customer and merchant management and card transaction approval function characterized in that. The method of claim 1, The merchant has a mutual contract with the credit card company as a member of the credit card company can use the card, At least online merchants, including online shopping malls, Internet banks, Card transactions with customers and merchant management functions, including at least offline merchants including gas stations, restaurants, home appliances, clothing, hops, taverns, furniture, stationery, office supplies, confectionery, fast food restaurants, maintenance and vehicle stores Credit card service system for both online and offline mode with approval function. In a method of providing a credit card service using a network connected system of the credit card company server, the authorization server and the management bank server installed in a plurality of merchant computers and credit card company, Earn points earning process that earned points occur when the transaction in the merchant using the earning card; The process of using the earning points that the member deals in the affiliate store using the earning points; And Credit card method of the combination of online and offline mode with a customer and merchant management function and card transaction approval function, characterized in that it comprises a credit point refund process for refunding the cash reward points to the member. The method of claim 3, wherein The earning point earning process An approval process for confirming whether the member approves the use of the credit card when the member intends to trade using the credit card at the affiliated store; Storing, by the card company, the accumulated points generated after the approval process in a member and affiliated store earned point database, notifying the member of the accumulated points, and transmitting the generated earned points to the management bank; And The management bank is a combination of online and offline mode with a customer and merchant management function and card transaction approval function comprising the step of storing the earned points received from the card company in the earning points database for each member and member How to Earn Cards. The method of claim 3, wherein The earning points use process An approval process of confirming whether the member approves the use of the earning point when the member wants to trade using the earning point; After the approval step, when the member trades using the earned points, the card company updates the earned points database according to the earned points usage specification, and transmits the earned points usage specification to the management bank; And The management bank is a credit card for both online and offline mode with a customer and merchant management function and card transaction approval function characterized in that it comprises the step of receiving the credit point usage specification from the card company and storing in the credit point database Way. The method of claim 3, wherein The reward point refund process An approval process of checking whether the member approves the refund of the reward point when the member wants to refund the cash reward point; The card company stores the member's earning points in the database each time the earning points occur, and depositing the amount corresponding to the earning points to the management bank; When the management bank deposits the amount from the card company, the credit points are automatically transferred to the member's account; If there is a request for a refund of the earned points from the member, managing the earned points database for each member by transferring funds for each member; And The card company receives a refund result from the management bank and calculates a refund credit point for each member and stores in a database, characterized in that the online and offline mode with a customer and merchant management function and card transaction approval function Combination credit card method. The method according to any one of claims 4 to 6, The approval process When there is a card transaction in the affiliate computer, receiving card related information including at least a card number, a transaction date, and earned points read from a card traded through the card terminal or the card reader; Transmitting an approval request signal together with the card related information to a card company according to the type of the card; Receiving card management information including a card user's membership and an approval deadline from the card company which requested the approval; And And providing the received card management information to the affiliated computer or card terminal, and outputting the printer to the printer and storing the combined online and offline mode with a card transaction approval function and a customer management function. Card way. The method of claim 7, wherein The card company has a customer and merchant management function and a card transaction approval function, characterized in that the credit card company if the card type of credit card, the financial cooperative network if the debit card, credit card company if the credit card. How to earn credit card for both online and offline mode. The method of claim 7, wherein The card management information received from the card company is at least one of the card user's membership, membership deadline, card delinquency, exceeding the transaction amount limit, whether the card is lost or not, the card management authorization and card transaction authorization Credit card method for both online and offline mode with features.