KR20020026490A - Online and offline point reserve operation management method applying financial transaction system - Google Patents

Abstract

PURPOSE: A method for managing an on-line and off-line point reserve fund is provided to activate an electronic commerce at an on-line and an electronic commerce at an off-line by inducing a client to promote a consumption and enabling a client to repay using cash or a point reserve fund. CONSTITUTION: A point exclusive purchase card is issued and used in order for a client(100) to buy a commodity at an on-line and at an off-line using a point reserve fund. A mediator server(200) generally manages a system. An on-line seller and contents provider(300) supplies commodity information on an Internet site being operated and managed by the mediator server(200) at an on-line and performs a transaction with the client(100). An off-line seller and contents provider(400) is connected with the mediator server(200) at an off-line and performs a transaction with the client(100). A commodity database stores commodity related information of the sellers. A contents information database stores contents related information of the contents provider. A lending point information database stores information of a point reserve fund borrowed by the client(100). A service point information database stores information of a service point receiving a service from the sellers and providers(300,400). A client information database stores client information as a credit grade. An information storage, inquiry, and paying unit constructs a checking process and paying unit with respect to a point reserve fund used by the client(100). A certifying unit constructs a certifying process and a paying unit in accordance with using a point reserve fund. In addition, a delivery information unit and a point IC card issuing unit are provided.

Description

Online and offline point reserve operation management method applying financial transaction system {omitted}

The field to which the present invention belongs is loaned point reserves to more effectively use point reserves used online and offline. Provides a method that can be used as a point-only purchase card (embedded IC chip), and a network of customers, online and offline sellers, and content providers are connected to the network, and an intermediary server managed by the intermediaries connected to it is established and operated. Business model field.

In the conventional method, if a customer accumulates a certain point reserve through a transactional act in order to increase the consumption effect in purchasing or using a product of a seller or a content provider on a customer's online or offline, the product may be used by using the corresponding point reserve. They can either buy or exchange cash to increase the effectiveness of the transaction.

However, the point accumulation status is indiscriminately distributed while purchasing various products through sellers, not only specific products, but it is also inconvenient to use, and point reserves that have not been used until now are astronomical numbers.

The present invention is to solve the problems of the conventional point reserve operation method as a way to use the points accumulated for a certain period when the customer purchases goods, etc., but the customer does not earn a certain point to use the financial transaction Loan points according to credit ratings, etc., to enhance the effectiveness of transactions. Point purchases are integrated by integrating all trading relationships to provide customers with a profitability in purchasing products of online and offline sellers and content providers. In addition to satisfying the customer's needs, it is also possible to redeem point loans by reimbursement of point loans with points accumulated through a period of time accumulated after purchasing cash payments, online and offline sellers, and content providers. By customer It can enhance the point reserve Use.

Figure 1 is a representative diagram of the present invention to explain the operational flow of the customer's point reserve loan, use, earning, repayment methods, explain the operational flow of sellers and content providers online and offline, the operation of the intermediary server managed by the intermediary Illustrated diagram of management flow

2 is an explanatory diagram of a system constructed and connected to an intermediary server managed by an intermediary;

3 is an explanatory diagram of a point-only purchase card with an integrated IC chip

(Explanation of symbols for the main parts of the drawing)

100 --- Customer

(200) --- intermediary server

(300) --- Merchants and Content Providers Online

(400) --- Offline Sellers & Content Providers

(500) --- Product Information Database

(600) --- Content Information Database

(700) --- Loan Point Reward Database

(800) --- Service Points Reward Database

(900) --- Customer Information Database

(1000) --- Information storage, inquiry and payment method

(1100) --- Authentication and Payment Methods

(1200) --- shipping information means

(1300) --- Point IC Card Issuing Means

In the configuration of the present invention, a broker server managed by a broker connected by a customer, a seller online and offline, and a content provider is connected to the network, and the broker server manages an Internet site and manages online and offline seller product information. The product information database to store and manage the contents, the content information database to store and manage the content information of the content provider, loan points to the customer can be used for online and offline sellers, the purchase of goods provided by the content provider, and related information Points to be saved Points to be managed Loan information database, the customer has purchased online and offline sellers, products provided by content providers, etc., and earn points by receiving service benefits from online and offline sellers and content providers On point Service point information database to store and manage information, customer information database to store and manage personal information such as customer's credit rating, authentication and payment means for management in transactions with customers and online sellers, content providers, customers and offline sellers In addition, information storage, inquiry and payment means for management in transactions with content providers, and means for issuing point-only purchase cards (embedded IC chips) are provided and operated.

The action of the present invention is that the intermediary server enters into a contract allowing point transactions with online and offline sellers and content providers, and wants to use points as points when trading products of online and offline sellers and content providers. When a customer connects to an Internet site operated and managed by the intermediary server and applies for issuance, the intermediary server stores and manages customer information and the like from the customer and authenticates the customer. Chip embedded). When a customer connects to an Internet site operated by an intermediary server online and requests a loan of points, the broker server authenticates the customer's credit rating information and the like. Store and manage the relevant information for use through the IC chip), and the customer can access the Internet site operated and managed by the intermediary server, search for the desired product information or select the desired content information, and then purchase the point-only purchase. If you provide information such as the customer's information on the use of the card (embedded IC chip) and the address to which the product will be delivered, the information such as the address where the product will be delivered after payment is made with the points accumulated when the certification is performed after authentication. Shipping on the basis of.

In addition, for the use of the content information, if the customer provides information on the use of the point-only purchase card (IC chip built-in), the content information should be used after authentication, and the amount used for payment of points will be paid. .

When using an offline seller or a content provider, select the desired product or content, and then check the information storage and inquiry of the customer's information regarding the use of the point-only purchase card (with IC chip) connected to the intermediary server. When confirmed through the payment of points with the points reserve and conclude the transaction.

In addition, when the customer's information on the use of the Points exclusive purchase card (IC chip embedded) is confirmed through the information storage and inquiry connected with the intermediary server, the payment of the product will be made with points and the transaction will be made. Tighten.

In addition, the intermediary server pays for points and points using a points-only purchase card when purchasing or using the contents to promote online and offline sellers and content providers to facilitate the transaction effect on the purchase and use of the contents. Provide service point benefits to be accumulated as reserves and allow customers to use service point reserves.

In reimbursement of point reserve loans, in addition to cash repayment, service point reserves accumulated through access to point reserves stored by customers or Internet sites operated and managed by online intermediary servers, and the purchase of product points, use of content information, etc. Purchasing goods through the seller or the content provider, using the content, etc., can be repaid with the accumulated service point

The broker server automatically updates with reference to the data at the same time when the transaction is concluded when providing the service point reserve corresponding to 5% to the customer to explain how to set a certain percentage of the point accumulation.

If the relevant information such as service point reserves are updated for a certain period, the customer will be notified online and offline of the loan repayment payment information according to the points reserves, transaction details, and service point reserves.

Hereinafter, the detailed description of each part will be given with reference to the accompanying drawings.

Customer (100): Issuing, loaning, using, saving, loan repayment, etc. for the point-to-point purchase card so that customers can purchase products using points and reserves online and offline.

Intermediate server 200: Manages all the systems made in the present invention.

Online seller, content provider 300: Provides product information, etc. to the Internet site operated and managed by the online intermediary server, and deals with customers.

Offline seller, content provider 400: is connected to the intermediary server in the offline, and transactions with the customer.

Product information database 500: Stores product-related information of the seller online and offline.

Content information database 600: Stores content related information of content providers online and offline.

Loan point information database 700: information about the loan points accumulated by the customer is stored.

Service Point Information Database 800: Stores information on service points that have received service benefits from customers' online and offline sellers and providers.

Customer information database 900: customer information such as credit rating is stored.

Information storage, inquiry, and payment means (1000): A verification process and payment method are established for the use of point reserves using points-only purchase cards (embedded IC chips) of customers who purchase products of offline sellers and content providers. have.

Authentication means (1100): When purchasing online merchants, content providers, etc., the authentication process and payment means are established for the use of point reserves by using the customer's point purchase card (embedded IC chip).

Delivery information means 1200: It is constructed to process the delivery information for the goods, etc. that the customer purchases.

Point IC card retrieval means (1300): Built to issue points-only purchase cards to customers.

As described above, the present invention can solve the shortcomings that the point reserves could not be used due to inadequate, and can not only induce consumption promotion to customers, but also repayment with point reserves as well as cash payments in repaying point reserve loans. This can enable online e-commerce and offline commerce.

Claims (2)

A brokerage server managed by a broker connected by a network of customers, online and offline sellers, and content providers is established, and the brokerage server operates an Internet site and operates a product information database, a content information database, and a point reserve loan information database. , Service point information database, customer information database, authentication / payment means, information storage, inquiry, payment means, means for issuing point-only purchase card (embedded IC chip), etc. When the broker server authenticates the customer information and then issues the certificate, it issues a point-only purchase card (embedded IC chip), and if the customer requests the loan of points, it is authenticated after verifying the credit rating information. When the point reserves can be used through the point-only purchase card (IC chip embedded) and storing and managing the relevant information; The broker server provides the customer's information about the use of the Points Purchase Card (IC chip embedded) when the customer purchases the product from an online Internet site. Storing and managing the related information; The broker server provides the customer's information about the use of the point-only purchase card (IC chip embedded) when the customer uses the content information on the online Internet site. Payment and storing and managing the related information; The broker server pays the product price with the point reserve when the customer's information about the use of the point-only purchase card (IC chip built-in) is confirmed through information storage and inquiry confirmation when the customer purchases the product offline. Storing and managing information; The intermediary server pays the amount of money to be used as a point reserve when it is confirmed through the confirmation of information storage and inquiry of the customer's information regarding the use of the point-only purchase card (embedded IC chip) when the customer uses the contents offline. Storing and managing information; The intermediary server enables the customer to accumulate reserves for service points and to use the service point reserves; The broker server allows the customer to redeem the point reserve with the accumulated service point reserves, such as point reserves, product purchase activities, and content information use activities stored by the customer in repaying the point reserve loans; The broker server notifying the customer of the loan repayment payment information according to the point reserves, the service point reserves, etc. stored by the customer online and offline and offsetting; An intermediary server is managed by a broker connected by a network of customers, online and offline sellers, and content providers. The intermediary server operates an Internet site, and operates a product information database, a content information database, and a point reserve information database. Service point information database, customer information database, authentication / payment means, information storage, inquiry and payment means, and means for retrieving point-only purchase cards (with IC chip). When the broker server authenticates the customer information and then issues the certificate, it issues a point-only purchase card (embedded with IC chip), and if the customer requests a point reserve loan, the credit rating information is authenticated. When the point reserves are made available through a point-only purchase card (IC chip built) and storing and managing the relevant information; If the broker server provides the customer's information on the use of the point-only purchase card (IC chip embedded) when the customer purchases the product on the online Internet site, the broker will pay the product price with the points reserve when the authentication is made. Payment, delivery and storage management; The broker's server provides the customer's information on the use of the point-only purchase card (embedded IC chip) when the customer uses the content information on the online Internet site. Paying and storing and managing the related information; The intermediary server pays the product price with the points reserve when it is confirmed through the information storage and inquiry confirmation of the customer's information about the use of the point-only purchase card (IC chip embedded) when the customer purchases the product offline. Storing and managing information; The intermediary server pays the amount of money to the point reserve when the customer's information about the use of the point-only purchase card (embedded IC chip) is confirmed through the storage and inquiry of the information when the customer uses the contents offline. Storing and managing information; The intermediary server allowing the customer to accumulate reserves for the service points and to use the service point reserves; The broker server allows the customer to redeem the point reserve with the accumulated service point reserves, such as point reserves, product purchases, content information use, etc. stored by the customer in repaying the point reserve loans; The broker server notifying the customer of the loan repayment payment information according to the point reserves, the service point reserves, etc. stored by the customer online and offline and offsetting; The intermediary server storing and managing personal information such as a customer's credit rating in a customer information database; The mediator server storing and managing online and offline seller product information in a product information database; The mediator server storing and managing the content information of the content provider online and offline in a content information database; Intermediary server loans point reserves to customers and stores and manages related information in point reserve loan information database; The intermediary server storing and managing the related information about the service point reserves received from online and offline sellers and content providers in a service point information database; The broker server constructing and managing authentication and payment means for management in transactions with customers, online sellers and content providers; The broker server constructing and managing information storage, inquiry, and payment means for management in transactions with customers, offline sellers, and content providers; Building and managing means for issuing a point-only purchase card (with IC chip) in which the intermediary server can use the point reserve; To The content of claim 1 is described in claim 2 above, and the data processing procedure on the system is described in detail.