KR20020009072A - System and method for paying cash back - Google Patents

Abstract

PURPOSE: A cash back service system and method is provided to accumulate points whenever a user pays for goods or services with a credit card or a debit card and to enable the user to reuse the accumulated points in various methods. CONSTITUTION: The method comprises steps of allowing a user to subscribe for a cash back service by registering a membership(S200), reading membership data from a magnetic stripe of the credit or the debit card in the case that the user uses the credit or the debit card(S210), checking payment related data for requesting a payment to a card company(S220), sending the payment related data to a server of the card company(S230), approving the payment request to the terminal over a credit banking network(S240), calculating the points caused by the credit card payment based on the payment amount and an accumulation ratio(S260), sending the membership data and the calculated point to a system server(S270), and accumulating the points at the member management information(S280).

Description

Cashback service system and method {System and method for paying cash back}

The present invention relates to a cashback service system and method, and more particularly, by using a magnetic card such as a credit card, debit card, student ID, etc. The present invention relates to a cash back service system and a method, wherein the user can use the accumulated points in various ways.

Point earning system is a system that provides members with various bonus points and reserves that can be exchanged according to their use results as predetermined items, prizes, money, and services. This system is widely used by members because they have the advantage of receiving a certain amount of purchase or use amount from member companies, and member companies have advantages in securing customers and preventing departure.

Currently, each company offers various types of cash back services to increase sales and to secure fixed customers in the online and offline markets. Banner ads, gas stations, airlines, record labels, and beauty salons are examples.

Looking at the form of earning points at the gas station, airlines, record labels, beauty salons, etc., the payment is made by cash or other payable cards and then present the cards provided by each company to earn points. For this reason, a user who wants to receive cashback service by earning points must receive a separate membership card for each company, and also has the inconvenience of always carrying a large number of cards.

The present invention is intended to solve or minimize the problems as described above, using the existing magnetic card, such as credit card, debit card, student card, etc. without having to make a separate card for earning points by type The present invention relates to a cashback service system and method for the purpose of earning a credit card and allowing the user to use the accumulated points in various ways.

1 is a block diagram of a cashback service system according to the present invention.

2 is a flowchart illustrating a cashback service method according to the present invention.

3 illustrates a process of generating points and a process of accumulating points.

Cashback service system according to the present invention for achieving the above object, Merchants having a terminal and a computer with a communication means; A banking server, such as a card company or a bank, which authenticates the payment requested by the terminal; A credit debit network that connects the terminal and a financial server to transmit data; System server for storing member information and points, merchant information; A PSTN connecting the terminal and the system server to transmit data; A magnetic card holder and registered as a full member via the Internet; And an internet for transmitting data by connecting a member store, a member, and the system server.

Cash back service method according to the present invention for achieving the above object, characterized in that it comprises a step associated with the generation and accumulation of points and points utilization.

Steps related to the generation and accumulation of points, registering as a member; Reading the magnetic card through the terminal to confirm member information; Reading the magnetic card through the terminal to check payment related information for a payment request; Transmitting, by the terminal, the payment related information identified in the step to a financial institution server through a credit debit network; Authenticating, by the financial server, payment to the terminal through a credit debit network; Calculating points to occur at the affiliated store; And transmitting, by the terminal, the member information, the point and the affiliated store information to a system server, and accumulating the points on the member information at the system server.

The point utilization step, the step of querying the earned point through the terminal or the homepage; If the accumulated points exceed a certain amount, receiving a certain service from the homepage or returning it in cash at an affiliate store within the limit allowed by the point; Subtracting the points spent in the step from the total points; And transmitting, by the system server, analysis data on sales status generated by age, time, and date, to the affiliated computer through the Internet. Characterizing the member's propensity through the received data from the merchant is characterized in that it has a step of utilizing to increase sales.

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

1 is a block diagram of a cash back service system according to the present invention, the cash back service system according to the present invention is a merchant 100, system server 110, PSTN 120, financial server 130, credit debit network ( 140, the member 150, and the Internet 160.

The affiliated store 100 is provided with a terminal 102 and a computer 104 equipped with a communication means.

The terminal 102 reads the information recorded on the magnetic strip from the magnetic card, makes a payment request, calculates and inquires points. In addition, when reading information from the magnetic card and confirming payment related information, the payment related information for payment request is transmitted. In addition, when sales occur, points generated for the corresponding amount are transmitted together with the member information. It is called a magnetic card reader (MCR).

The magnetic card includes all currently used magnetic cards, such as credit cards, debit cards, and student IDs, rather than separate membership cards. The magnetic card is affixed a sticker giving a unique number to disclose the membership. The unique number is the same as the unique number that appears when the magnetic card is read through the terminal.

The computer 104 is provided with an internet connection means to transmit data with the system server 110 through the Internet 160.

The system server 110 stores member information, points, and merchant information, and is accessible from the member 150 or the computer 104 through the Internet 160. In addition, by analyzing the sales by age, time, date, provides the result of the analysis to the merchant (100). Merchant 100 may use the result to increase sales.

The PSTN 120 connects the terminal 102 and the system server 110 to transmit data. In the case of transmitting the member information or points from the terminal 102 to the system server 110 or the points accumulated from the system server 110 to the affiliated store terminal 102, data such as the member information or points. Send it.

The bank server 130 is a server such as a card company or a bank that authenticates the payment requested by the terminal 102. When the terminal 102 transmits payment related information for a payment request, the terminal 102 authenticates the payment related information. In this case, the terminal 102 serves as a general credit or debit card reader.

The credit debit network 140 is a network for transmitting data by connecting the terminal 102 and the financial server 130. The payment related information is sent to the financial institution server 130 by sending the member information read by the terminal 102 or when the financial institution server 130 authenticates the payment request to the affiliated store terminal 102. It is a network that transmits the same data as the result of authentication.

The member 150 is a magnetic card holder and registered as a full member through the Internet. The magnetic card has a sticker attached to it. Points earned from the merchant 100 receives a certain service from the website through the Internet 160 or receives cash back from the merchant 100. The member 150 is divided into an associate member and a regular member. First, register as a member through the merchant or the street promotion team. Members who have completed this step can receive cashback service only if they are registered as full members on the website through the Internet.

The Internet 160 is a network for transmitting data by connecting the affiliated store 100, the member 150, and the system server 110. The member 150 accesses the homepage provided by the system server 110 or transmits data such as data analyzed by age, time, and date to the computer 104 by the system server 110.

2 is a flowchart of a cashback service method according to the present invention.

First, a person who wants to receive the cashback service according to the present invention registers as a member (S200). Members are divided into associate and full members. First, register as a member through the merchant or the street promotion team. The registration details are name, social security number, card or student ID number and telephone number. Members who have completed this step can receive cashback service only if they are registered as full members on the website through the Internet. Additional entries required for registration as a full member should include address, date of birth, hobby, etc. In the following, members refer to active members.

When the member uses the card in the company, the magnetic card is read through the terminal to check the member information (S210). If the verification fails because no member information is entered in the magnetic card, no further procedure is performed.

Read the magnetic card through the terminal to check the payment related information for the payment request (S220). If payment information is not entered in the magnetic card and fails to confirm, payment is impossible with the magnetic card and payment is made by other alternative means such as cash (S250).

The terminal transmits the payment related information confirmed in the step S220 to the banking server through the credit debit network (S230).

The financial institution server authenticates the payment to the terminal through a credit debit (S240). If the authentication fails for other reasons, such as exceeding the amount used in payment-related services, payment is made by other alternative means such as cash (S250).

Calculate the point to occur in the affiliated store (S260). This is calculated by multiplying the purchase rate or the service use amount by the accumulation rate provided by the merchant. The reserve rate is determined by each merchant and is different for each merchant. Preferably, the accumulation rate is preferably selected in the range 5-10%.

The terminal transmits the member information and the point to a system server (S270).

The system server accumulates the points in the member information (S280).

3 is an example of a process of generating points and a process of accumulating points.

In FIG. 3, the point reserve rate 310 is set at 0.05 for beauty salon 340 and 0.07 for billiards room 350. The points 320 to be generated are calculated as {sales amount 300 * accumulation rate 310} / 10. The total point 330 continuously calculates the generated point 320. Looking at the armor chamber 340, 15,000 * (. 05) / 10 = 75 points 320 occur. Since it is the first transaction, the total point 330 is also 75. Thereafter, when 49 points 320 are generated by the calculation method in Eul billiard room 350, the total points 330 becomes 75 + 49 = 124. By generating the point 320 in the above manner, when the total point 330 becomes 500 or more, it can be used together with cash. Points can be consumed by receiving services such as sports bets, games, shopping malls, and lotteries on the homepage, or cashed out at merchants. 10 won per point.

According to the present invention, it is possible to use any merchant by attaching a sticker assigned a unique number to a magnetic card, such as a credit card, a debit card, a student card, and the like, without having to make a separate membership card.

In addition, it is easy to earn points because you do not earn points separately by industry.

In addition, if you earn a certain point or more, not only from the homepage, but also can be cashed anywhere in the merchant.

Claims (8)

In the cashback service system, A merchant having a terminal equipped with a communication means and a computer; A system server for storing member information, points, and merchant information; A PSTN connecting the terminal and the system server to transmit data; A magnetic card holder and registered as a full member via the Internet; And The internet connecting the affiliated store, the member and the system server to transmit data Cash back service system comprising: a. The method of claim 1, The magnetic card is a cashback system, characterized in that the magnetic card including a credit card, debit card and student ID having a unique number. The method of claim 1, When reading the magnetic card through the terminal to confirm the payment related information, A banking server for authenticating the payment requested by the terminal; And Credit debit network that connects the financial server and the terminal to transmit data Cashback service system characterized in that it further comprises Registering as a member; Reading the magnetic card through the terminal to confirm member information; Reading the magnetic card through the terminal to check payment related information for a payment request; Calculating points to occur at the affiliate store side; Transmitting, by the terminal, the member information, the point and the affiliated store information to a system server; And Accumulating the points on the member information in the system server Cash back service method comprising the. The method of claim 4, wherein In the step of confirming the payment related information, if successful in confirming the payment related information, Transmitting, by the terminal, the payment related information identified in the step to a financial institution server through a credit debit network; And Authenticating, by the financial server, payment to the terminal through a credit debit network; Cash back service method characterized in that it further comprises. The method according to any one of claims 4 to 5, A member searching for earning points through a terminal or a homepage; Receiving the service on a website or returning it in cash at an affiliated store to the limit allowed by the point when the accumulated point exceeds a predetermined amount; And Subtracting the points consumed in the above step from the accumulated points Cash back service method characterized in that it further comprises. The method according to any one of claims 4 to 5, Transmitting, by the system server, analysis data on sales status generated by age, time, and date, to the affiliated computer through the Internet; Cash back service method characterized in that it further comprises. The method of claim 6, Transmitting, by the system server, analysis data on sales status generated by age, time, and date, to the affiliated computer through the Internet; Cash back service method characterized in that it further comprises.