KR20020056843A - Barohcash system - Google Patents
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- KR20020056843A KR20020056843A KR1020020025981A KR20020025981A KR20020056843A KR 20020056843 A KR20020056843 A KR 20020056843A KR 1020020025981 A KR1020020025981 A KR 1020020025981A KR 20020025981 A KR20020025981 A KR 20020025981A KR 20020056843 A KR20020056843 A KR 20020056843A
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Abstract
Description
1. 실시간적립포인트시스템의 개요1. Overview of Real-time Earning Point System
실시간적립포인트시스템이라 함은 서비스사(이하 "본사" 라 한다)와 가맹계약이 체결된 업소, 기업, 단체(이하 "가맹점" 이라 한다) 등을 고객이 이용하면 가맹점으로부터 적립 받은 포인트가 실시간으로 지정된 고객의 계좌로 현금 적립이 되는 새로운 개념의 시스템으로서 고객이 기존에 본사와 가맹계약이 체결된 가맹점을 이용 한 후 회원이 소지한 회원카드를 이용하여 가맹점 단말기에 거래승인을 위한 카드리딩을 하면 거래데이타가 VAN사를 경유하여 신용카드사에 도착한 후 카드사로부터 거래에 대한 승인을 받고, 본 승인데이타가 VAN사를 경유하여 가맹점단말기에 전송이 되어 거래 승인이 일어나 가맹점은 회원에게 서비스를 제공하고 그에 따른 지정된 포인트를 적립한다, 이때 VAN사를 경유한 승인데이타가 동시에 본사의 서버로 전달이 되어 해당거래의 정보가 공유되고 본사는 승인데이타를 근거로 제휴 금융사에 거래포인트 내에서 회원계좌로의 현금이체를 지시하고, 금융사는 바로 회원의 계좌로 현금이체를 실행한다. 가맹점은 거래매출전표를 카드사에 접수하여 대금청구를 하고 카드사는 거래상의 이상이 없을 경우 가맹점 계좌로 입금 처리하고 은행은 카드대금을 본사와 가맹점에 계약된 범위 내에서 카드대금을 배분지급 하면 모든 거래는 종료된다.Real-time Earning Point System refers to a service company (hereinafter referred to as "the headquarters") and affiliated businesses, companies, and organizations (hereinafter referred to as "merchants") that customers earn points from merchants in real time. It is a new concept system that accumulates cash to a designated customer's account. When a customer uses a member store that has already signed a franchise agreement with the head office, he / she reads the card for transaction approval to the merchant terminal using the member card possessed by the member. After the transaction data arrives at the credit card company via VAN company, the transaction is approved by the card company, and the approval data is sent to the merchant terminal via VAN company, and the transaction is approved and the merchant provides the service to the member. Accumulate the designated points according to this process. At this time, the approval data via the VAN company will be delivered to the server of the head office. The information of the transaction is shared and the head office instructs the affiliated financial institution to transfer the cash to the member account within the transaction point based on the approval data, and the financial institution immediately executes the cash transfer to the member's account. Merchants receive transaction sales slips from card companies and make bills. If there is no abnormality in transactions, card companies process deposits into merchant accounts, and banks distribute card payments to the headquarters and merchants within all contracts. Ends.
2. 시스템 거래 순서2. System Transaction Order
(1) 고객의 가맹점 이용-서비스사(본사)와 가맹계약을 체결한 온●오프라인 가맹점(업소,기업,단체 등)에서 고객이 서비스를 이용(1) Customer use of merchants-Customers use services at online and offline merchants (businesses, companies, organizations, etc.) that have entered into a contract with a service company (head office).
(2) 회원의 카드제시-고객의 가맹점 이용 후 이용에 대한 결제를 카드로 제시(2) Present your card-Present your card as a payment for your use after using your merchant.
(3) 카드리딩-가맹점의 단말기를 이용하여 카드를 리딩한다(3) Card reading-Read a card using the terminal of the merchant
(4) 승인의뢰전문발송-VAN사를 경유하여 카드사로 거래전문발송(4) Sending specialized request for approval-Sending specialized transaction to card company through VAN company
(5) 승인허가전문발송-카드사로부터 거래에 대한 승인이 허가되어 해당 거래전문을 VAN사를 경유하여 가맹점으로 발송(5) Approval Authorization Specialization-The transaction is approved by the card company, and the transaction is sent to the merchant via VAN.
(6) 가맹점의 서비스 지급 및 포인트적립-카드사로부터 승인이 나면 해당 서비스를 제공하고 그에 따른 포인트를 적립한다.(6) Merchant's Service Payment and Point Accumulation-Once approved by the card company, the service is provided and points are accumulated accordingly.
(7) 본사의 현금지급지시-거래를 공유하고 있는 본사는 카드승인과 동시에 금융사에게 지정된 고객의 계좌로 현금이체를 지시한다(7) The head office, which shares the headquarters cash payment instruction-transaction, instructs the bank to transfer cash to the designated customer's account at the same time as the card is approved.
(8) 금융사의 현금이체-금융사는 고객의 계좌로 현금을 이체(8) Cash transfers by financial institutions-Financial companies transfer cash to customers' accounts
(9) 가맹점의 매출표 접수-가맹점을 승인매출표를 카드사에 접수(9) Receive Merchant's Sales Receipt-Approved Merchant's Sales Receipt
(10) 카드사의 대금입금(10) Payment of credit card company
(11) 은행의 배분지급-은행은 카드대금을 본사와 가맹점에 배분한다(11) Distribution distribution of banks-The bank distributes credit card payments to the head office and merchants.
3. 시스템 주요 구성원간 정의3. Definition among the system's main members
(1) 서비스사- 시스템을 개발하여 운영 서비스 하는 당사자(1) Service company- the party who develops and operates the system
(2) 금융사-본사가 운영하는 실시간캐쉬백시스템의 실행을 위해 본사와의 제휴에 의해 본사가 지정한 고객에게 바로 현금 지급하는 당사자(2) Financial companies-Parties that pay cash directly to customers designated by the head office in partnership with the head office to implement the real-time cashback system operated by the head office.
(3) 가맹점-본사의 시스템을 운영하여 고객마케팅을 실행하는 당사자(3) Merchants-Parties who conduct customer marketing by operating the headquarters system
(4) 고객-가맹점을 이용하는 모든 고객(4) All customers using customer-merchants
(5) 은행-카드사로부터 받은 카드대금을 본사와 가맹점에 배분하는 당사자(5) Parties that distribute card payments received from bank-card companies to the head office and merchants.
온●오프라인 가맹점 상품의 판매촉진을 위하여 매매 시 고객에게 일정금액의 서비스 포인트를 부여하고 동시에 현금으로 전환시키는 사업기법을 통하여 대고객서비스의 질을 향상시켜 가맹점 이용 거래의 활성화를 도모In order to promote the sale of on-offline merchant products, the quality of customer service is enhanced through the business technique of granting a certain amount of service points to customers and converting them into cash at the time of sale.
포인트를 활용한 대고객 우대서비스로 OK캐쉬백, 동아적립카드, 더블적립카드 등의 시스템과 유사함It is similar to the system of OK Cashbag, Dong-A Earn Card, Double Earn Card, etc.
오프라인 카드의 사용으로 적립된 포인트가 거래와 동시에 실시간으로 이용자의 거래계좌로 현금 이체되는 신개념의 시스템으로 제공자의 서버와 제휴가 되어있는 금융사의 서버가 카드승인의 일련된 절차사의 모든 정보를 공유함으로서 정상적인 카드승인발생시 해당 거래의 전반적인 정보를 공유하는 기관들의 연계에 의해 서비스사는 가맹점이 고객에게 적립해준 포인트를 즉시 인지하여 금융사로 현금이체 지시를 하고 금융사는 해당금액을 고객의 계좌로 자동이체시켜 포인트에 대한바로 지급을 일으킴으로 종료됨This is a new concept system in which points earned by using offline cards are transferred to the user's trading account in real time at the same time as the transaction. The server of the financial institution, which is affiliated with the provider's server, shares all the information of the serial procedure of card approval. In the event of a normal card approval, the service provider immediately recognizes the points that the merchant has accumulated to the customer by integrating the institutions that share the overall information of the transaction, and instructs the bank to transfer money to the financial company. Ended by raising payment immediately for
실시간캐쉬백시스템의 흐름도로 시스템과정을 순서도로 표현Represents the system process in flow chart with real-time cashback system flow chart
서비스사, 제휴사(금융사), 가맹점, 고객 등의 구성원간에 이루어지는 시스템A system made up of members of service companies, affiliates (financial companies), franchisees, customers, etc.
포인트 사용에 대한 대고객 서비스의 일환으로 실시간 현금적립 시스템이 선보임으로 포인트관련사업의 응용서비스 기술의 끊임없는 발전과 더불어 오프라인 상 업소, 기업, 단체 등의 매출증대 및 경제활성화에 당연한 결과를 가져옴Real-time cash accumulation system was introduced as part of customer service for the use of points, resulting in the continuous development of application service technology for point-related businesses, and the natural result of the increase in sales and economic revitalization of offline businesses, companies and groups.
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KR1020020025981A KR20020056843A (en) | 2002-05-03 | 2002-05-03 | Barohcash system |
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KR1020020025981A KR20020056843A (en) | 2002-05-03 | 2002-05-03 | Barohcash system |
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Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
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KR20160140163A (en) * | 2015-05-29 | 2016-12-07 | 주식회사 와이즈케어 | Method for providing cashback service |
Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
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KR20000049707A (en) * | 2000-04-25 | 2000-08-05 | 정문술 | System and Method for Unifying Mileage Management in Internet Business Transactions |
KR20010074091A (en) * | 2001-02-14 | 2001-08-04 | 정성희 | Integration money linkage service that integrate mile ridge that scatter on on/off-line |
KR20010078928A (en) * | 2001-05-19 | 2001-08-22 | 강시훈 | Total system to exchange mileage for money. |
KR20010091689A (en) * | 2000-03-17 | 2001-10-23 | 최무용,김종석 | Fundback system |
KR20010103128A (en) * | 2001-10-24 | 2001-11-23 | 강원홍 | Cash payment system for mileage point number grant of traditional way type |
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2002
- 2002-05-03 KR KR1020020025981A patent/KR20020056843A/en not_active Application Discontinuation
Patent Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20010091689A (en) * | 2000-03-17 | 2001-10-23 | 최무용,김종석 | Fundback system |
KR20000049707A (en) * | 2000-04-25 | 2000-08-05 | 정문술 | System and Method for Unifying Mileage Management in Internet Business Transactions |
KR20010074091A (en) * | 2001-02-14 | 2001-08-04 | 정성희 | Integration money linkage service that integrate mile ridge that scatter on on/off-line |
KR20010078928A (en) * | 2001-05-19 | 2001-08-22 | 강시훈 | Total system to exchange mileage for money. |
KR20010103128A (en) * | 2001-10-24 | 2001-11-23 | 강원홍 | Cash payment system for mileage point number grant of traditional way type |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20160140163A (en) * | 2015-05-29 | 2016-12-07 | 주식회사 와이즈케어 | Method for providing cashback service |
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