KR20010111896A - Process for Reserving the Bonus by using Receipt Data and System thereof - Google Patents

Abstract

The present invention is a system for earning a payment amount by using a receipt issued by a seller to a buyer during online and / or offline commerce as a medium, and a certain bonus is paid to the buyer based on the accumulated payment amount.

Description

Process for Reserving the Bonus by using Receipt Data and System

The present invention relates to a method for earning a bonus using a receipt as a medium and a system for realizing the same. More specifically, the cash accumulation method and system in which the buyer accumulates the payment amount through the receipt using the receipt issued by the seller to the buyer during online or offline commerce, and the buyer pays the cash based on the accumulated payment amount. Or other bonuses.

The prior art of the present invention is a method of providing a bonus in which a seller or a sales agent pays a bonus in conjunction with a purchase amount of a buyer in online or offline commerce. The seller pays the buyer a bonus on the condition that the buyer makes a purchase, thereby inducing the buyer's purchase in a continuous manner, thereby increasing the seller's sales. This bonus method is operated in the form of a mileage or cash-back system.

The mileage system earns a certain percentage of the total amount of payments for goods and / or services purchased from the seller itself or other sellers who are affiliated with the seller and earns a mileage to the buyer in the form of a coupon. The form of payment. This type of mileage service is limited to the type of goods and / or services to be purchased from the point of view of the purchaser who is a service user, and the product purchase right provided is non-distributable and necessarily purchases a product of a specific buyer. Or it can be used only when using the service, the object is very limited and not practical.

Cashback system in the mileage system, the cash that is not a product purchase right is accumulated and the accumulated cash is paid to the buyer. This method is also very limited because it is necessary to purchase goods or use services from the seller or other sellers who are affiliated with the seller. In addition, the mileage system or cashback system has a disadvantage in that the mileage or cashback must be paid using a credit card. Therefore, customers who pay in cash without using a credit card cannot use it, and thus, there is a problem that the buyer continues to use the mileage or cashback system.

This problem is pointed out in the published patent application No. 24648 of 2000. The patent application accumulates the payment amount of the receipt paid to the customer using the store or store, and provides each customer with a service such as mileage point or cash. Disclosed is a bonus providing system using a receipt which is characterized in that it can be provided. The bonus provision system disclosed in the patent application is entered into the store or store, that is, the unique code given to the buyer's receipt through the terminal arranged on the seller side without any missing and based on this receipt database to the host server of the bonus provision system operator After building in advance, the buyer connects to the host server and enters the unique code of the receipt in order to receive the bonus.If the unique code matches that already stored in the receipt database of the host server, the payment amount of the receipt is It is earned based on the purchaser's usage results. Although this system has the advantage of providing bonuses to customers who make cash payments, it is difficult to implement in reality the payment terminal system that transmits the payment amount and receipt unique code to the host server in each store and store. . Moreover, the fact that all the receipts issued by the seller must be databased shows that the system is difficult to put into practical use in the light of the fact that bonuses are not provided for all receipts.

According to the present invention, in a cash accumulation method using a receipt as a medium, not only a buyer, but also a seller (merchant), there is no need to install a payment terminal system for transmitting a payment amount and a receipt unique code to a host server. We do not need to database all receipts, so we want to implement a method and system that can be economically and practically used.

1 is a flow chart of the bonus earning method using the receipt of the present invention

Figure 2 is a flow diagram of a plurality of sellers involved in the bonus earning method using the receipt of the present invention

<Description of the symbols for the main parts of the drawings>

A: Buyer

P: Seller

D: receipt data

HS: Host Server

ADB: Buyer Account Database

APD: Merchant Account Database

AAC: Buyer Account

The method of this invention for achieving the said subject is as follows.

In the method of earning a bonus using a receipt, the bonus is provided to the buyer based on the receipt data (D) including the seller recognition data, the transaction data and the payment amount,

A purchaser accessing a host server (HS) through a network;

Identifying the buyer,

The buyer entering one or more receipt data (D),

Receipt data (D) entered by the buyer is stored in the buyer's account database (ADB) built in the host server, and

Receipt data entered by the buyer is stored in the seller's account database (PDB) built in the host server

Method comprising a.

Another aspect of the present invention is as follows.

In the method,

The seller accesses the host server (HS) through the network;

Verifying the seller, and

Approving one or more receipt data (D) stored in the merchant's account database (PDB)

Method comprising a.

Another aspect according to the present invention is as follows.

The method as claimed in claim 1, wherein the payment amount data included in the approved receipt data (D) is credited to the buyer's account.

Another aspect according to the present invention is as follows.

The method according to claim 1, characterized in that the receipt data (D) approved by the seller among the receipt data (D) stored in the seller account database (PDB) is stored in the buyer account database (ADB).

Another aspect according to the present invention is as follows.

In the method, the payment amount data of the receipt data (D) approved by the seller of the receipt data (D) stored in the seller account database (PDB) is credited to the buyer account.

Another aspect according to the present invention is as follows.

In the method, the payment amount data of the receipt data (D) approved from the seller of the receipt data stored in the buyer account database (ADB) is credited to the buyer credit account.

Another aspect according to the present invention is as follows.

The method according to the above method, wherein the payment amount data of the receipt data (D) approved from the seller is accumulated in at least one of the seller's account and the third account.

Another aspect according to the present invention is as follows.

In a bonus accumulation system using a receipt, which provides a bonus to a buyer based on receipt data (D) including seller recognition data, transaction data and payment amount,

The system may be selected from one or more of a buyer account database (ADB), a seller account database (PDB), and a buyer earning account (AAC), a seller earning account (PAC), and one or more third-party earning accounts (FAC). Include a host server (HS) containing an account,

The buyer account database (ADB) stores one or more receipt data (D) entered by the buyer through the network,

Merchant account database (PDB) receives and stores one or more receipt data (D) from the buyer account database (ADB), then received receipt data (D) approved from the seller connected through the network of the stored receipt data (D) ) Into the Buyer Account Database (ADB).

The earning account system receives and stores the accumulated amount (B) of one or more receipt data (D) approved by the seller from the seller account database (PDB) or the buyer account database (ADB).

Another aspect according to the present invention is as follows.

In the system, a buyer account database (ADB) in which receipt data (D) approved from the approval account database (PDB) from the seller among the receipt data (D) stored in the buyer account database (ADB) is stored.

Hereinafter, the present invention will be described in detail.

The present invention relates to a method of earning a bonus using a receipt as a medium and a system for implementing the same. More specifically, after the buyer A receives the goods and services from the seller P and pays the corresponding price, the buyer A receives a receipt including the seller recognition data, the transaction data, and the payment amount data. After connecting through a network to the host server (HS) operating the method of the invention, the receipt account (D) including the seller identification data, transaction data and payment amount data of the receipt is input to the buyer account database of the host server (ADB) and seller account database (PDB) at the same time, the seller accesses the host server (HS) through the network, and then seller identification data, transaction data and payment stored in the seller account database (PDB) The method of earning a bonus, characterized in that to confirm and approve receipt data (D) including the amount data. This method is characterized in that the seller directly confirms the receipt presented by the buyer on the basis of the bonus accumulation.

Receipt data (D) in the present invention is the data described in the receipt, which is a certificate that the seller provides goods and services from the buyer and receives or pays the corresponding payment, and then issues it to the buyer to prove it. In other words, the identification mark is distinguished from other receipts issued based on other sales activities, and includes essentially the seller identification data, transaction data, and payment amount data. Payment amount data is the amount the buyer pays or is committed to pay to the seller in return for the sale of goods and services, and bonuses are earned based on this payment amount data. The seller recognition data is a mark on which the seller who received the receipt is distinguished and may be a business registration number or other identification number. The transaction data is a mark on which the transaction data is distinguished from the transaction and other transaction, and may be a sale date or the like.

The host server HS of the present invention comprises a buyer account database ADB and a seller account database PDB. Receipt data (D) input from the buyer (A) via the network is stored simultaneously in the buyer account database (ADB) and seller account database (PDB). The buyer account database (ADB) is a database in which receipt data (D) entered from a buyer is stored, and the stored receipt data is a basis for paying a certain percentage of cash and other bonuses to the buyer who entered the receipt data. Becomes The seller account database (PDB) is a database in which receipt data input by one or more buyers is stored separately for each seller. The seller account database (PDB) of a specific seller (P) stores the receipts issued by the seller. Receipt data (D) is stored. Based on this seller account database, the seller retrieves the receipt data entered by the buyer and authorizes the receipt data based on the receipt issued by the buyer.

If the receipt data (D) entered by the purchaser (A) has been approved by the seller (P), the payment amount data (B) of the receipt data (D) is transferred to the buyer's account (AAC) and accumulated. Each amount of payment amount data B may be the basis for calculating the bonus paid to the buyer. The bonus may preferably be cash, but may also vary from product vouchers, coupons, electronic money, and the like. For example, the buyer may be paid in cash as a percentage of the sum of the payment amount data stored in the buyer's account, or as a percentage of each payment amount data (ie, the percentage may vary for each payment amount data). . Alternatively, the bonus credit amount may be calculated based on the number of payment amount data.

The bonus can be paid to the seller (P) or a third party in addition to the buyer (A), the payment amount data (B) of the receipt data (D) approved by the seller (P) is the buyer's account (AAC) In addition, it can be transferred and accumulated in the seller's earning account (PAC) and third-party earning account (FAC), and the payment amount data (B) accumulated in each earning account is a bonus paid to the buyer, the seller and the third party. It is the basis of the calculation.

In addition to the payment amount data (B) accumulated in each earning account, the bonus may be calculated based on the number of approved receipts.

The present invention is described in more detail as follows by the preferred embodiments based on the accompanying drawings, but is not limited to the examples and includes a technical range applicable by those skilled in the art. .

Figure 1 is a block diagram of a bonus earning method using a receipt of the present invention, the purchaser (A) and the seller (P) discloses a process of earning a bonus using the receipt data (D) as a medium. The host server HS comprises a buyer account database ADB and a merchant account database PBD. It may optionally include a Buyer Accounting Account (AAC) and / or a Seller Accounting Account (PAC), and may include other third party Accounting Accounts (FAC).

In step S11, the purchaser A connects to his own buyer account database ADB of the host server HS through login. Logging in is a step in which a purchaser grants access to his or her own buyer account database, which may preferably be a procedure such as ID and password verification.

S12 is a step in which the buyer A enters the receipt data D included in the receipt received from the seller P into the buyer account database ADB after logging in. The receipt data D input includes seller identification data, transaction data and payment amount data. Payment amount data is the amount the buyer pays or is committed to pay to the seller in return for the sale of goods and services, and bonuses are earned based on this payment amount data. The seller identification data is a mark on which the seller who received the receipt is distinguished and may be a business registration number or other identification number. The transaction data is a mark on which the transaction data is distinguished from the transaction and other transaction, and may be a sale date, a sale serial number, and the like. Receipt data (D) may further include a receipt type data that can determine whether the type of receipt, for example, credit card receipts, tax invoices, cash register receipts.

S13 is a step in which the receipt data D input into the buyer account database ADB is stored in the seller account database PDB. Receipt data (D) received from the buyer (A) is stored in the access to the seller's account database (PDB) based on the included seller identification data. The step of searching the merchant account database (PDB) may be performed when the buyer enters the receipt data (D), and the receipt data (D) is stored in the buyer account database (ADB) and then sorted. It may be. Accordingly, the receipt data D may be transmitted and stored in the buyer account database ADB and the seller account database PDB at the same time as the buyer's input, and may also be regularly sorted by the buyer account database ADB. Only the receipt data D including the seller identification data of the seller may be transmitted to the seller account database PDB.

S21 is a connection step of the seller P, and the seller P connects to his own seller account database PDB of the host server HS through login. The login is a step in which the seller approves access to his seller account database, and may preferably be a procedure such as ID and password verification.

S22 is a step in which the seller approves the receipt data D stored in the seller account database PDB. In the seller account database (PDB) of a particular seller, only the receipt data (D) containing the seller identification data of the seller is stored, and these receipt data (D) stored in the seller account database (PDB) are accumulated bonuses from the buyer. Since the seller (P) is entered as a basis for the reference to the transaction data and payment amount data contained in the receipt data (D) to determine the authenticity of the receipt data (D) bar, If it matches the receipt data, approve it.

S23 is a step of feeding back the purchaser's receipt data (D) by the seller (P) whether or not the feedback to the buyer account database (ADB) (solid line in S23). Through this step, among the receipt data (D) input by the buyer, the receipt data (D) which is the basis of the bonus accumulation is selected. Accumulated amount data of the receipt data (D) approved by the seller (P) may be sent directly to the seller account account (AAC) and stored without going through the buyer account database (ADB) (dotted line of S23 shows this) will be).

S31 is a step in which payment amount data (B) included in the approved receipt data (D) is transmitted to the purchaser account (AAC). As described above, the payment amount data B transmitted to the buyer accrual account AAC may be included in the receipt data D approved by the seller among the receipt data D stored in the buyer account database D. In addition, the receipt data (D) stored in the seller account database (PDB) may be included in the receipt data (D) approved by the seller (P).

S32 is a step in which the payment amount data (B) of the approved receipt data (D) is transferred to the merchant earning account (PAC), S33 is the payment amount data (B) of the approved receipt data (D) is a third credit This step is sent to the account (FAC). The payment amount data stored in the seller credit account (PAC) and the third account (FAC) is payment amount data (B) included in the receipt data (D) approved by the seller (P). There may be more than one third accumulated account (FAC), and whether or not the transfer can be determined by the buyer or seller.

As a result, a bonus to be paid to the buyer, the seller and the third party is determined based on the payment amount data B stored in the buyer accrual account (AAC), the seller accrual account (PAC) and the third accrual account (FAC). For example, a certain percentage of the sum of the payment amount data stored in the buyer's account, or different percentages of each receipt payment amount data, may be paid out to the buyer as cash. In addition, the bonus may be paid based on the total number of payment amount data stored in the buyer's account. That is, the bonus method based on the number of authorized receipts is a bonus based on a receipt issued by a seller other than the affiliated store, and may be a means for facilitating the membership of the seller other than the affiliated store.

2 is a configuration diagram in which a plurality of sellers are involved in the bonus accumulation method using the receipt of the present invention, and the receipt data (D1, D2, D3) issued by the purchaser (A1) and the plurality of sellers (P1, P2) are shown in FIG. The process of earning bonuses as a medium is disclosed. The main reference numerals are as described above, PDB1 is the seller account database of seller P1, and PDB2 is the seller account database of seller P2. In addition, PAC1 is a merchant earning account of seller P1, and PAC2 is a merchant earning account of seller P2.

The basic configuration is the same as the process shown in FIG. 1 and will be described below based on the core process.

After the buyer A1 accesses his buyer account database through the login step S11, the buyer account receives receipt data D1 and D2 of the receipt issued by the seller P1 and receipt data D3 of the receipt issued by the seller P2 to the buyer A1. The data is input to the database ADB1 (S12). D1, D2, and D3 stored in the buyer account database (ADB1) are transferred to the seller account database PDB1 or PDB2 based on the respective seller recognition data contained in D1, D2, and D3, respectively, where D1 and D2 are the seller P1. Is sent to the merchant account database (PDB1) and D3 is sent to the merchant account database (PDB2) of seller P2 (S13).

Seller P1 accesses PDB1, which is his / her database of the seller account of the host server (HS), through login (S21), and determines the authenticity of receipt data D1 and D2 by referring to transaction data and payment amount data. If it matches the receipt data of the issued receipt, the receipt data D1 and D2 are approved (S22). It is fed back to the buyer account database ADB1 whether the receipt data D1 and D2 inputted by the buyer are approved by the seller P1 (solid line in S23). The accumulated amount data B1 and B2 of the receipt data D1 and D2 approved by the seller P1 may be directly transmitted to and stored in the buyer accumulation account AAC1 (dashed line at S23).

Similarly, the seller P2 accesses PDB2, which is his database of the seller account of the host server HS, through login (S21), and then determines whether the receipt data D3 is authentic by referring to transaction data and payment amount data. If it matches the receipt data of the received receipt, the receipt data D3 is approved (S22). Whether or not the receipt data D3 entered by the buyer is approved by the seller P2 is fed back to the buyer account database ADB1 (solid line in S23). The accumulated amount data B3 of the receipt data D3 approved by the seller P2 may be directly transmitted to and stored in the seller accumulation account AAC1 (dashed line at S23).

The payment amount data B1, B2, and B3 included in the approved receipt data D1, D2, and D3 are transmitted to the purchaser account AAC1 (S31). As described above, the payment amount data B1, B2, and B3 transmitted to the buyer's account AAC1 includes the payment amount data B1 included in the receipt data D1, D2, and D3 approved by the seller among the receipt data stored in the buyer account database ADD1. May be B2 and B3, optionally receipt data D1 stored in seller account database PDB1 of seller P1 and D2 stored in seller account database PDB2 of seller P2 and receipt data D3 stored in seller account database PDB2 of seller P2; , Payment amounts data B1, B2, and B3 included in D2 and D3.

At the same time, the payment amount data B1 and B2 included in the receipt data D1 and D2 approved by the seller P1 are transferred to the seller accumulation account PAC1 of the seller P1 (S32), and the payment amount data included in the receipt data D3 approved by the seller P2. B3 may be transmitted to the seller earning account PAC2 of the seller P2 (S32).

2 shows that all receipt data B1, B2 and B3 of the receipt input from the buyer are approved, but if the receipt data B2 does not receive approval from the seller P1, the payment amount data B2 included in the receipt data D2 is accumulated by the buyer. The payment amount data B2 contained in the receipt data D2 in the future settlement of the bonus amount will not be sent to the account AAC1.

Although FIG. 2 omits the third earning account FAC, it may operate in the same manner as the concept of FIG. 1.

As described above, the bonus accrual method using the receipt according to the present invention as a medium is authorized by the seller for receipt data input by the buyer for the bonus accumulation and is designated by the buyer and seller, or the buyer or seller based only on the approved receipt data. This is a new and advanced way of earning bonuses to third parties, which are not limited to the types of receipts, as well as cash receipts and tax invoices. The advantage is that you don't have to build a receipt database for every receipt. Moreover, the method of the present invention is a convenient method for calculating a bonus based on the number of receipts as well as the payment amount of the receipt.

Claims (3)

In the method of earning a bonus using a receipt, the bonus is provided to the buyer based on the receipt data (D) including the seller recognition data, the transaction data and the payment amount, A purchaser accessing a host server (HS) through a network; Identifying the buyer, The buyer entering one or more receipt data (D), Receipt data (D) entered by the buyer is stored in the buyer's account database (ADB) built in the host server, and Receipt data entered by the buyer is stored in the seller's account database (PDB) built in the host server Receipt data input step consisting of; And, The seller accesses the host server (HS) through the network; Verifying the seller, and Approving one or more receipt data (D) stored in the merchant's account database (PDB) Receipt data approval step Method comprising a. The method of claim 1, wherein the payment amount data included in the approved receipt data (D) is selected from one or more of a buyer earning account (AAC), a seller earning account (PAC), and one or more third earning accounts (FAC). The method comprising the steps of being credited to the earning account. In a bonus accumulation system using a receipt, which provides a bonus to a buyer based on receipt data (D) including seller recognition data, transaction data and payment amount, The system is selected from one or more of a buyer account database (ADB), a merchant account database (PDB), and a buyer earned account (AAC), a seller earned account (PAC), and one or more third-party earned accounts (FAC). Include a host server (HS) that contains the earning account, The buyer account database (ADB) stores one or more receipt data (D) entered by the buyer through the network, Merchant account database (PDB) receives and stores one or more receipt data (D) from the buyer account database (ADB), then received receipt data (D) approved from the seller connected through the network of the stored receipt data (D) ) Into the Buyer Account Database (ADB). The earning account system receives and stores the accumulated amount (B) of one or more receipt data (D) approved by the seller from the seller account database (PDB) or the buyer account database (ADB).