KR20010113307A - Electronic money charging system using the dummy terminal connected with personal computer and a commercial transaction method using it - Google Patents

Abstract

The present invention relates to a mileage point integration system having a new concept for providing a system capable of charging electronic money through a personal computer and using the same to provide mileage points provided by each member company or merchant.

According to the present invention, a portable card (2) of an IC type, an RF type, a magnetic type, a bar code type used by each customer and capable of identifying the customer's identity, and a serial port and a parallel port of each member company, a merchant or a personal computer Or a server 8 in which a dummy terminal 4 connected to the PS2 port, a database 6 connected to the terminal 4, in which a usage amount and mileage points of each customer are recorded, and the server 8 Including a built-in mileage point calculation program, the mileage point calculation program calculates mileage points according to the sales record of the customer received through each terminal 4, and calculates the mileage points of each member company or affiliate store Corrected according to the point calculation criteria and transmitted to the dummy terminal (4), the customer characterized in that to enable the mileage points accumulated to them Mileage point integration system is provided.

Description

Electronic money charging system using the dummy terminal connected with personal computer and a commercial transaction method using it}

The present invention relates to a system for charging electronic money using a personal computer and a commerce method using the same. More specifically, after each individual has built a system for charging and inquiring electronic money using a personal computer, a member can be used by using the same. The present invention relates to a commerce method that uses a new concept of mileage points so that mileage points provided by a company or a merchant can be used by other member companies or merchants.

In general, a credit card company that recruits and operates member companies, or a customer management company that recruits franchisees to perform customer management and sales management of each affiliated store, so as to increase sales of each dealership, each member company or affiliated store The customer is using a mileage point payment system that pays a predetermined mileage point according to the amount used. The mileage point payment system is configured so that when a customer purchases goods or uses a service from each member company, mileage points can be accumulated at a predetermined rate determined by each member company.

However, these mileage points are to accumulate a portion of the amount used by the customer according to the predetermined criteria set by the member company, and the value and units of mileage points provided by each member company are different. There was a problem that Mileage Points earned from member companies cannot be used by other member companies. Therefore, the credit card company or customer management company collects the mileage points provided by each member company, pays a predetermined item to the customer, and bills each member company for the goods. However, in this method, when a mileage point accumulated to a customer reaches a certain level, one customer can select one of several kinds of items designated by a customer management company, so the selection is very narrow and the inconvenience of use is inconvenient. there was.

Therefore, there is a need for a new concept of mileage point payment system that can be used freely and conveniently by integrating mileage points accumulated to customers.

Electronic money is mainly used to integrate and manage the mileage accumulated in this manner, but there was a lot of inconvenience that each individual has to go through a charging station to recharge or inquire.

The present invention has been made to solve the above problems, an object of the present invention is to provide a new concept that can be used when purchasing or using the service in other member companies or merchants earned mileage points accumulated in the member company or merchants It is to provide a mileage point integrated system.

Still another object of the present invention is to provide an electronic money charging system that enables an individual to charge and inquire using a personal computer.

1 is a block diagram showing a mileage point integration system according to the present invention

2 is a flowchart of a mileage point integration system according to the present invention

3 is a flow chart showing the flow of user registration for the first electronic money

4 is a flow chart of charging electronic money

5 is a flowchart showing payment flow

6 is a flowchart showing the mileage flow in the online purchase

7 is a mileage inquiry and offline Gumi mileage processing flowchart

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

2: card 4: terminal

6: database 8: server

9: Card reader / writer device connected with personal computer

10: Personal Computer 11: Electronic Money

According to the present invention, a card (2) used by each customer to be able to confirm the identity of the customer, a terminal (4) installed in each personal computer, and allowing input of the customer's use amount, and the terminal And a mileage point calculation program embedded in the server 8, in which a database 6 in which the amount of mileage points and the amount of mileage points of each customer are recorded is built. The point calculation program calculates mileage points according to the sales record of the customer received through each terminal 4, and corrects the calculated mileage points according to the mileage point calculation criteria of each member company or affiliated store and sends them to the terminal 4. In addition, the customer is an electronic money charging system using a personal computer, characterized in that the product price can be discounted by the mileage points accumulated to them It is a ball.

Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings.

1 illustrates a mileage point integration system according to the present invention, and illustrates a mileage point integration system used by a credit card company.

The mileage point integrated system is installed in the personal computer 10 and the dummy terminal 9 connected to the personal computer 10 to charge and inquire the electronic money 11, a credit card 2 owned by each customer, and a store or store of each member company. Terminal 4, which is capable of inputting a user's usage amount and making a payment, a server 8 connected to the terminal 4 via a LAN, telephone line or other communication means, and embedded in the server 8 It consists of a mileage point calculation program that calculates the customer's mileage points.

If the type of card used in the present invention can be IC type, RF type, magnetic, barcode type, the dummy terminal can be connected to the personal computer using a ps2 terminal, a serial port or a parallel port.

The server 8 has a database 6 of each customer, which is calculated according to the usage amount paid by each customer when he / she purchases goods or uses a service from each member company. Mileage points for each customer are recorded. The mileage point calculation program calculates mileage points according to the customer's sales record received through each terminal 4 at the time of payment of the customer, and stores the mileage points in the database 6 of the corresponding customer. The used member company is determined according to the predetermined calculation standard. The mileage point calculation program corrects the mileage points of each customer recorded in the database 6 into mileage points or cash amounts in units used by each member company according to the mileage calculation criteria of each member company. ) Function to send.

Therefore, as shown in FIG. 2, when a customer purchases an item from each member company or uses a service and pays using a credit card 2, a predetermined mileage point is accumulated according to the payment amount. The mileage point is corrected by the mileage point or cash amount of the unit suitable for the mileage calculation criteria of the member by the mileage point calculation program when the customer pays using another member company, and is displayed on the terminal 4 so that the mileage point is displayed. You can get discounted amount by mileage point or cash amount. At this time, the amount of the discounted amount to the customer is charged to the member company that provided the mileage points through the credit card (2) company.

The mileage point integrated system configured as described above has a wide range of choices because the mileage points accumulated to the members can be discounted when using each member company without having to select items designated by the credit card company. It is very convenient to use. In addition, as the use of the mileage point is convenient, since the customer frequently uses the member company, there is an advantage that can increase the sales of the member company as a whole.

In the present embodiment, the mileage point integration system used by the credit card company (2) is illustrated, but such a mileage point integration system, in addition to the above-mentioned credit card (2) company, all kinds of customer management companies or other agents that operate Applicable to the company. In this case, the card (2) uses the ID card (2) paid to each customer in addition to the credit card (2), when the customer uses a merchant and pays using a pension or credit card, the terminal By inputting the ID and use amount of the customer through (4), it is configured to calculate the mileage points used by the customer.

3 is a flowchart showing an initial electronic money user registration flow. When the first user makes a purchase decision, the merchant requests a cash deposit and issues electronic money. The user registers the issued electronic money, and the server system stores the electronic money ID after confirming the member.

4 is a flowchart illustrating the operation of charging electronic money, and FIG. 5 illustrates a payment flowchart. If the user wants to recharge after checking the balance of electronic money, the merchant will process the required amount of money transfer, and if the balance remaining in the member's electronic money is sufficient, withdraw and transfer the money to the user. To charge. When the merchant requests payment in the payment, the server system receives the payment request information including the merchant ID, the electronic money ID, and the sale amount, and records the transaction mileage. After that, when the bank requests payment to the bank using the value-added communication network, the financial sector pays the required amount to the merchant.

Figure 6 is a flow chart showing the mileage flow when purchasing online, there is a pre-paid electronic money, debit-type electronic money, credit card, passbook deposit and mileage purchase method. When the user uses the prepaid electronic money in the online transaction, the server completes the order and deposit processing, completes the sales processing and accumulates the mileage. The merchant checks the contents of the order and delivers the product to the user, and requests payment to the financial sector. In the case of a debit-type electronic money, when the server system requests an order processing, the merchant checks the order contents and completes the product delivery. The user checks the arrived goods and then pays the bill, and the merchant processes the payment through the banknote. The server system then processes the mileage. The use of credit cards is the same as the use of prepaid electronic money, but in this case, the difference from the use of prepaid electronic money is that payment is made through the banking system when processing orders / deposits through the server system. In the case of the bank account deposit method, the server system processes the user's order and checks the bank account deposit history. When the deposit is completed, the mileage is processed and the merchant checks the order contents and delivers the goods. In the case of purchasing using the accumulated mileage, after completing the order processing, the mileage is used to complete settlement with the financial sector according to the settlement ratio.

7 is a mileage processing flow chart when mileage inquiry and offline purchase, when a user requests mileage inquiry, the server system outputs a product that can be purchased with the current mileage and outputs a mileage earning / usage list. When converting mileage, settle the amount after tax deduction, replenish the amount with electronic money and complete processing with the financial sector. In the case of offline purchase, when the commerce completes the purchase and payment processing between the user and the offline merchant, the server system receives notification of the corresponding merchant / user and the transaction price and then completes the mileage processing of the transaction details.

As described above, according to the present invention, by connecting the server to each individual personal computer terminal and using the mileage point calculation program built into the server, the mileage point of the customer is corrected according to each member company or the like. A new concept of mileage point integration system can be provided so that the accumulated mileage points provided by merchants can be used when purchasing goods or using services from other member companies or merchants.

Claims (2)

A card (2) used by each customer to verify the identity of the customer, and installed in each personal personal computer to input the amount of the customer's use, using a personal computer, a serial port, a PS2 port or a parallel port. A server (8) having a dummy terminal (4) connected to the terminal, a database (6) connected to the terminal (4), and recording a use amount and mileage points of each customer, and a built-in server (8). Comprising a mileage point calculation program, the mileage point calculation program calculates mileage points according to the sales record of the customer received through each terminal 4, and calculates the mileage points of each member company or affiliated store Corrected according to the criteria and transmitted to the terminal 4, characterized in that the customer can be discounted by the value of the mileage points credited to them An electronic money charging system using a personal computer. Purchasing item A and requesting payment by using an electronic money charging / retrieving terminal connected to the personal computer; Notifying the server system of the payment information; The server system accumulates a predetermined mileage point to the member according to the payment amount; Requesting the purchase of article B by the member at another merchandise store handling the article A; The server system correcting the accumulated mileage pointer according to a mileage exchange rate determined between the article A and the article B; And Subtracting the amount corresponding to the corrected mileage pointer from the price of the item B and requesting a billing.