KR20020070014A - Method for laying aside var-point according to card use - Google Patents

Abstract

PURPOSE: A method for variably accumulating points in accordance with using a card is provided to return a profit to a member and enable a member store to increase a sale by issuing cards to consumers through a recommender, accumulating a pre-set point to the card user and the recommender in accordance with a card using amount, supplying cash or cyber money, and maintaining a capacity of a member in accordance with a card consumption of the recommender. CONSTITUTION: A head office server judges whether a consumer uses an accumulating card through a member store communication unit(S100). If a consumer used an accumulating card, the head office server judges whether the consumer is a general member through the member store communication unit(S200). If the consumer is a general member, the head office server judges whether an accumulating card using time is included in an event executing term(S300). If the accumulating card using time is not included in an event executing term, the head office accumulates an accumulating point with respect to a general member as a pre-set point(S400).

Description

How to accumulate points according to the use of the card {METHOD FOR LAYING ASIDE VAR-POINT ACCORDING TO CARD USE}

The present invention relates to a method of earning points according to the use of a card, and in particular, when a consumer makes a transaction such as purchasing an item through an affiliated store, the affiliated store earns a certain point according to the purchase of the item to the consumer as a fixed fixed customer. It relates to how to earn points according to the use of the card to keep you.

Recently, credit card checkers are being installed in most affiliated stores according to the domestic credit card activation policy, and credit card checkers are a requirement for merchants with high sales. It is common to utilize a value added network (VAN) network that is already installed.

In addition, the explosive spread of the credit card is being made due to the entry of the credit card business of large companies through this, and the credit card market is expanding indefinitely because consumers are also showing interest in the utility of the credit card.

However, the spreading system that is spreading as described above is generally limited to gas stations and large stores where the number of times of use or the amount of money is used by consumers, and the expectation of earning because members think that the amount of money accumulated is somewhat insignificant. There was a problem that this is reduced.

Therefore, the present invention is to solve the above-mentioned conventional problems, the object of the present invention is to use a card after the unspecified number of consumers issued a card through the recommender, the card user and the recommender to set a predetermined point By providing cash or cyber money by earning money, and maintaining the qualifications of the referral, that is, the parent member, according to the use of the referrer's card, the member's profits from the use of the card are paid back to the member, while the merchant is sold by the member's card use. The purpose of the present invention is to provide a method for earning points according to the use of a card to increase height.

Points earning method according to the use of the present invention card in order to achieve the above object, the credit card use determination step of determining whether the consumer used the earning card through the merchant communication means in the head office server,

If the consumer does not use the credit card in the credit card use determination step, the credit card is returned to the use of the credit card determination step, and if used, the head office server determines whether the credit card user is a general member through the merchant communication means Determining whether or not a regular member

If the credit card user is a general member in the normal member determination step, the head office server determines the event execution period whether to determine whether or not the period of use of the credit card, the event execution period, and

If the event execution period is not a period during which to run the event, the head office server is characterized in that the general member points earning step of earning the points earned for the general member as a predetermined point.

1 is a block diagram showing an apparatus for implementing a method for earning points according to the use of a card according to an embodiment of the present invention;

2 is a flow chart showing a method for earning points according to the use of a card according to an embodiment of the present invention;

Figure 3 is a flow chart illustrating the determination of whether to maintain the qualification conditions in the method of earning points according to the use of the card according to an embodiment of the present invention.

<Description of the code | symbol about the principal part of drawing>

100: merchant communication means 200: head office server

300: VAN network

Hereinafter, with reference to the accompanying drawings for the method of earning points according to the use of the card of the present invention according to an embodiment of the present invention will be described in detail as follows.

1 is a block diagram showing an apparatus for implementing a method for earning points according to the use of a card, FIG. 2 is a flowchart showing a method for earning points according to the use of a card, and FIG. This is a flow chart showing the maintenance stage.

The present invention, as shown in Figure 1, is composed of a merchant communication means 100, the head office server 200 and the VAN network 300, the merchant communication means 100 in the consumer using the credit card through the merchant When it does, it outputs the corresponding data.

In addition, the head office server 200 receives the data output through the affiliated store communication means 100 and accumulates corresponding points, and the VAN network 300 is outputted from the affiliated store communication means 100. It serves to connect the transmission line to receive the received data from the head office server 200.

Hereinafter, the operation process of the point earning method according to the use of the card configured as described above are as follows.

As shown in FIG. 1, an unspecified number of consumers purchase, for example, various items, such as clothes, shoes, watches, or precious metals, through an unspecified number of merchants using credit cards, gift certificates, or cash. After using the predetermined credit card to earn a separate point, as shown in Figure 2, the head office server 200, the data transmitted from the merchant communication means (100) VAN (Value Added Network) network 300 Determine whether or not the consumer has used the earning card by receiving the data through (S100).

At this time, if the consumer does not use the credit card in the credit card use determination step (S100), return to the credit card use determination step (S100), if used, the head office server 200 in the affiliated store communication means (100) It is determined whether the credit card user is a general member through (S200).

In addition, if the credit card user is a general member in the general member determination step (S200), the head office server 200, the period of using the credit card using the event (for example, merchant opening anniversary, sales growth for Customer's gratitude event or commemorative new product launches for a particular season, etc.) (S300), the event execution period is not determined whether the period of executing the event (S300), the head office server 200 in general Earn points for members to a predetermined point (S400).

On the other hand, if the credit card user is not a general member in the general member determination step (S200), the head office server 200 determines whether the credit card user is a parent member (S310), the parent member determination step If the credit card user is a parent member in step S210, the head office server 200 determines whether the card user maintains the qualification condition of the parent member in step S220.

Subsequently, if the qualification condition of the parent member is not satisfied in the determination of whether to maintain the qualification condition (S220), the process returns to the general member determination step (S200), and if the qualification condition is satisfied, the head office server 200 points to the parent member. Earn (S230).

In addition, if the event execution period determines whether the event execution period (S300), the head office server 200 further accumulates points corresponding to the event period (S310).

On the other hand, if the credit card user is not a parent member in the parent member determination step (S210), the head office server 200 determines whether the credit card user is a child member (S211), the child member determination step If the credit card user is not a child member in step (S211) and the child member, the head office server 200 accumulates points for the child member (S212).

In this case, the head office server 200 determines whether a parent member exists for the child member (S213), and if the parent member does not exist in the parent member existence determination step (S213), determines whether the event execution period is present. Proceeding to step S300, if the parent member exists, the head office server 200 accumulates points according to the use of the card of the child member to the parent member separately (S214).

Subsequently, whether the parent member exists or not includes personal information such as the name, card number and address of the recommender who recommended the point credit card issuance in the parent member field provided on one side of the application when the initial member applied for issuance of the credit card. And the corresponding personal information, for example, social security number, name, contact information (mobile phone, pager or home phone number, etc.), company name, etc. If you write, the parent member also receives a certain point depending on the card member's use.

Meanwhile, as shown in FIG. 3, in the determination of whether to maintain the qualification condition (S220), the qualification condition of the parent member is greater than or equal to a predetermined amount, in which the parent member uses the credit card in the head office server 200. It is determined whether or not the same (S221).

Subsequently, if the amount using the credit card is greater than or equal to a predetermined amount, the amount using the credit card is greater than or equal to a predetermined amount, and then proceeds to the first parent member point accumulation step (S230). If the head office server 200 determines whether the number of times the parent member has used the earning card is greater than or equal to a predetermined number of presets, and if the number of times of using the earning card is greater than or equal to the predetermined number of presets, Proceeds to 1 parent member point earning step (S230), if small and proceeds to the general member determination step (S200) (S222).

That is, in the head office server 200, if the consumer does not have the qualifications of the parent member, the consumer applies points earned to the general member, and if the parent member is qualified, the corresponding parent member points are accumulated. .

In addition, when the member store accesses the head office server 200 through the Internet using the affiliate communication unit 100 and searches for member information, the head office server 200 stores the member information previously stored in the affiliated store. It transmits and displays to the communication means (100).

Subsequently, the member points displayed through the affiliated store communication means 1000 are checked, so that the current member's cash use amount or cyber money amount can be known so as to purchase various items in the future, corresponding to the accumulated points. You can buy items at the cost of deducting cash or cyber money.

On the other hand, where you earn points using the earning card as described above, if you use credit cards, gift certificates or cash at general apparel stores, gas stations, department stores, restaurants, various franchises, etc., the corresponding points in advance You can be paid at designated points.

In other words, each company, affiliated store, department store, etc., set points in advance corresponding to the amount of money used by consumers to purchase the goods, and both the customer and the company paying the points can generate mutual profits and continue to be members. By encouraging subscriptions, companies can also increase sales.

For example, the point accumulation according to the purchase of the article, a consumer visits a department store, for example, a department store among a plurality of affiliated stores (clothing stores, gas stations, department stores, restaurants and various franchises, etc.) as described above. If you purchase clothing worth 150,000 won, the company that earns you points earns a certain amount of points, that is, 1% per 100 won (equivalent to 10 won in cash). Pay points (equivalent to 1,500 won cash).

In addition, when a restaurant specifies a point rate of 0.5% per 100 won as described above, when a food order corresponding to 1,000 won is ordered, the head office server 200 corresponds to a corresponding 5% point (equivalent to 5 won cash). ) To the credit card user, and if the parent member exists as described above, even if the parent member does not use the credit card, for example, 1% of points (equivalent to 1 won) will be earned. If you set up in advance, you will receive a set point separately.

In addition, when 10 liters of unleaded gasoline at 1,300 won per liter are put into the vehicle possessed by the consumer at the gas station, if the point set at the gas station is 50 points per liter, the corresponding point is 500% (equivalent to 500 won in cash). ) Can be earned.

As described above, the points earning method according to the use of the present invention card, when an unspecified number of consumers apply for an earning card to use the earning card, at the same time earn points to the recommender and the member who recommended the earning card application In addition, the unspecified number of members facilitate the purchase of goods using cash and cyber money using points, and the member purchase rate of the affiliates is easily increased, thereby increasing the purchase rate of goods, thereby creating complementary economic profits between consumers and merchants. It has a great effect.

Claims (5)

Determining whether or not to use the credit card to determine whether the consumer used the credit card through the merchant communication means at the head office server; If the consumer does not use the credit card in the credit card use determination step, the credit card is returned to the use of the credit card determination step, and if used, the head office server determines whether the credit card user is a general member through the merchant communication means Determining whether or not a regular member If the credit card user is a general member in the normal member determination step, the head office server determines the event execution period whether to determine whether or not the period of use of the credit card, the event execution period, and If the event execution period is not a period during which to run the event, the head office server points earned by using the card, characterized in that consisting of the general member points earning step of earning points for the general member as a predetermined point Way. The method according to claim 1, further comprising: determining whether a credit card user is a parent member in the head office server, if the credit card user is not a general member in the general member judgment step; If the credit card user is a parent member in the parent member determination step, the head office server determines whether to maintain the qualification conditions whether the card user maintains the qualification conditions of the parent member; And If the parental condition does not meet the qualification requirements of the parent member in the determination of whether to maintain the eligibility conditions, the process returns to the determination of the general member status, and if the price condition is met, the head office server accumulates the first parent member point accumulation step of earning points to the parent member. Point earning method according to the use of the card, characterized in that made. The method of claim 1, wherein the head office server includes an additional point accumulation step for additionally accumulating points corresponding to the event period when the event execution period is determined. How to earn points accordingly. The method according to claim 2, further comprising: determining whether a credit card user is a child member in the head office server, if the credit card user is not a parent member in the parent member determination step; In the step of determining whether or not the own member, if the user is not a member of the card member, the head office server points earning step for earning points for the member in the head office server; Determining whether a parent member exists in the main office server to determine whether a parent member exists for a child member; And In the parent member presence determination step, if there is no parent member, the event execution period determination step proceeds, and if there is a parent member, the head office server accumulates points according to the use of the card of the child member to the parent member. Point earning method according to the use of the card, characterized in that the parent member points earned step included. The method of claim 2, wherein in the step of determining whether to maintain the qualification condition, the qualification condition of the parent member is determined by the head office server to determine whether or not the amount of use of the credit card by the parent member is greater than or equal to a predetermined predetermined amount. Determining whether the amount used ≥ the designated amount; And The amount using the credit card ≥ If the amount using the credit card is greater than or equal to a predetermined amount set in the step of determining whether or not the designated amount, and proceeds to the first parent member point earning step, if the parent member in the head office server It is determined whether the number of times of using the earning card is greater than or equal to the preset designated number, and if the number of times of using the earning card is greater than or equal to the preset predetermined number of times, proceed to the first parent member point earning step. If the number of points to use according to the card use, characterized in that comprises the step of determining whether the number of use ≥ the designated number of times to proceed to the general member determination step.