KR20020081766A - Mileage point encashment system and method therefore - Google Patents

Abstract

PURPOSE: A milage point encashment system and method is provided to encash a milage point generated or accumulated via a credit card, a membership card or an integrated card over an online network. CONSTITUTION: The system comprises a card processing terminal(12), a main server(14), a database server(16), a database(18), a plurality of card data management servers(A1-An), and a plurality of card information management databases(B1-Bn). The card processing terminal(12), installed at an affiliated store and connected to the main server(14) over the internet, enables a client to pay a commodity with point cards(CD1-CD3) and to encash accumulated milage points for paying the commodity. The main server(14) processes an encashment of the milage point based on a cash exchange unit determined under an agreement with the card companies. The database server(16) requests a reference of a milage point of a card to be processed at the affiliated store, and requests a point subtraction request and a payment approval to the card data management servers(A1-An) of the card company via a VAN or a leased line. The database(18) stores data on the card companies, and the point subtraction data resulted from the payment of a commodity with the milage point. The card data management servers(A1-An) offer accumulated milage point to the database server, and process the point subtraction according to a request of payment of a commodity with the milage point. The card information management databases(B1-Bn) store card member data, accumulated milage point data, affiliated store data, payment data processed with the milage point, and point subtraction data.

Description

Mileage point encashment system and method therefore

The present invention relates to a system for mileage point cashing and a method thereof, and more particularly, to converting mileage points into various types of credit cards and membership cards to actually cash the mileage points accumulated according to the card usage results. It relates to a system and a method thereof.

Generally, a credit card that functions as a credit authentication means that replaces cash can be used to pay cash or purchase goods within such a total credit limit, given a certain total credit limit for each individual or corporation. It is supposed to provide.

In addition, credit card companies that issue and manage credit cards can be given cumulative mileage points according to the credit card use or service use performance of the issued credit card. When it reaches, it can be used as cash at the time of payment of a certain item to be purchased or a specific gift can be presented to the credit card user.

On the other hand, such a credit card company has a certain contract as a membership issuance contractor for a large oil company with a large number of gas chains or a shopping company with a large number of shopping discount chains. Membership cards can be issued to award mileage points to major consumers.

Here, when a consumer purchases a certain item (ie, purchases of oil or shopping goods) through a chain network held by a membership issuing company, and presents the membership card described above, an appropriate amount of mileage depends on the performance of the purchase. When points are granted and the given mileage points reach a certain amount, discounts are given at the time of payment or gifts can be presented according to the amount of such mileage points.

In addition, large shopping companies, such as department stores, issue a separate membership card to consumers who have the ability to purchase goods, and use the membership card to process payments for items to be purchased. In the case of such a membership card, an appropriate amount of mileage points is added according to the use of the card, and when the mileage points reach a certain amount, a service for allowing a discount or a specific gift is presented.

In the case of granting the mileage port through each credit card, membership card and membership card, the mileage point granted as an additional service to the card user member, the willingness to purchase the card user's use of the card It has the advantage that it can inspire.

However, in the conventional method of granting mileage points through various credit cards, membership cards, and membership cards, a period of time until the mileage points granted by the card user's use of the card reaches a predetermined target amount determined by the card company is relatively high. This is a long-term marketing campaign that encourages the purchaser's intention to buy a card user's intention, as it is difficult to receive discounts or give away gifts using those points until such mileage points reach the target amount. In addition to anticipating the half-effect of the effect, there is a problem that it is extremely difficult to use the mileage points for a desired item at a time desired by the card user member.

In addition, in order to use the mileage points granted to various credit cards, membership cards, and membership cards, only a limited number of merchants that have entered into agreements with the credit card company can apply to discounts on goods purchase. In addition, in the case of mileage points that are given for the purpose of free gift, there is a problem that the card user member can not use the mileage points in various ways.

Accordingly, the present invention has been made in view of the above-mentioned conventional circumstances, and an object thereof is a mileage point cashing system that enables to redeem the mileage points granted to various credit cards and membership cards online through an information communication network. And to provide a way.

Another object of the present invention is to provide a mileage point cashing system and a method for cashing a mileage point granted to various credit cards and membership cards even if the target amount is not reached.

It is still another object of the present invention to issue a single integrated card incorporating card information of various various credit cards and membership cards, and to provide mileage points to each of the plurality of cards integrated by the integrated card. The present invention provides a mileage point cashing system and method for cashing and using it online through an information and communication network.

1 is a view showing the overall configuration for the system for cashing mileage points according to an embodiment of the present invention,

Figure 2 is a perspective view showing the appearance of the card inquiry terminal applied to the system of the present invention,

3 is a block diagram showing in detail the configuration of the card inquiry terminal shown in FIG.

4 is a data flow diagram for explaining a method of cashing mileage points according to an embodiment of the present invention;

5 is a view showing the configuration of a mileage point cash system according to another embodiment of the present invention,

6 is a data flow diagram for explaining a method of cashing mileage points according to another embodiment of the present invention.

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

10: card merchant, 12: card inquiry terminal,

14: main server, 16: database linked server,

18: information database, 20, 22: key input,

24, 26: display panel, 28: card reader,

30: key input interface, 32: card interface,

34: information storage, 36: temporary storage,

38: microprocessor, 40: graphics processing unit,

42: network interface, 44: print processing unit,

46: receipt printer unit, A1 to An: card information management server,

B1 to Bn: card information database.

In order to achieve the above object, according to the present invention, using the points applied cards issued from a plurality of card companies, the merchant to provide a predetermined goods and paid services to carry out the goods purchase payment processing, according to the performance of the card In the purchase settlement system of the point application card to which the mileage points are granted, the card is arranged in the affiliated store to apply the cash conversion amount of the mileage points granted to the point application card online through the information communication network to perform the product purchase settlement process. Mileage points used in the purchase terminal and the plurality of card companies, respectively, to approve the use of the points according to the goods purchase settlement process using the mileage points granted to the point application card of the card inquiry terminal device, Multiple card information management server for deducting points, the A plurality of card information databases and information storing the amount of deduction of mileage points deducted according to the goods purchase settlement process using the mileage points assigned to the points applied card of the card information management server, and the affiliate information of the merchants where the goods purchase settlement was made. In accordance with the purchase request for the purchase of goods using the mileage points of the point application card of the card inquiry terminal device through the communication network, the points are cashed based on the retrieval information of the remaining mileage points provided from the card information management server that issued the point application card. A point cash management server for performing the conversion and managing the goods purchase settlement process based on the converted cash amount, and as a result of converting the cash points for the mileage points of the point cash management server, the goods purchase settlement process of the card inquiry terminal device. Miles deducted by A mileage point monetization system is provided that consists of an information database that stores deductible amount information for ridge points.

In addition, according to another example of the present invention to achieve the above object, using the points applied cards issued from a plurality of card companies to perform the goods purchase payment processing in the merchants that provide the prescribed goods and paid services, In the purchase settlement system of a point-applied card in which mileage points are granted according to the use of the card, card information and mileage points granted to a plurality of point-applied cards issued from a plurality of card companies by a single card user member are integrated. A single integrated card, which is applied to the card, and a card disposed at the affiliated store, which receives a cash conversion amount for a mileage point of a point-applied card integrated in the integrated card online through an information communication network, and performs a product purchase settlement process. Inquiry terminal apparatus, respectively disposed in the plurality of card companies, A plurality of card information management servers for approving the use of points according to the goods purchase payment process using the mileage points of the card inquiry terminal device, and deducting the mileage points used for purchase and settlement, and the integrated card of each card information management server. Through a number of card information databases and information communication networks that store information on the amount of deduction of mileage points deducted in accordance with the product purchase settlement process using the mileage points of each point applied card integrated in According to the purchase request for purchase of goods using the mileage points of the points applied card integrated in the integrated card of the card inquiry terminal device, points based on the retrieval information of the remaining mileage points provided from the card information management server that issued the corresponding points applied card. Each of the cash equivalents of Mileage point deducted by the point-cash management server for managing the goods purchase settlement processing by the calculated amount of cash and the conversion of the cash to the mileage point of the point cash management server, the mileage point deducted by the goods purchase settlement processing of the card inquiry terminal device A mileage point cashing system is provided, comprising an information database for storing the deductible information of.

Hereinafter, an embodiment of the present invention configured as described above will be described in detail with reference to the accompanying drawings.

That is, Figure 1 is a diagram showing the overall configuration of the mileage point cash system according to an embodiment of the present invention.

As shown in FIG. 1, the mileage point cashing system according to the present invention includes a card inquiry terminal 12, a main server 14, and a database interworking server 16 installed at each of a plurality of affiliated stores 10. And an information database 18, a plurality of card information management servers A1 to An respectively operated by a plurality of card companies, and a plurality of card information databases B1 to Bn.

In the figure, the affiliated store 10 is a store for selling various goods or paid services to a card user member, and a credit card or membership card issued by each card company in a state in which a plurality of card companies have signed an affiliate agreement with each other. (CD1 to CD3) (hereinafter referred to as a point application card) enables the settlement of goods sales.

The card inquiry terminal 12 is disposed in the affiliated store 10 and is connected to the main server 14 through an internet communication network to enable purchase of goods purchase using a plurality of point application cards CD1 to CD3. In addition, the mileage points assigned to each of the points applied card (CD1 to CD3) is converted into cash to make the purchase of goods purchase.

Here, as shown in FIG. 2, the card inquiry terminal 12 includes a first key input unit 20 for a card user member to input a password and personal information of a card, and the first key input unit ( A second key input unit 22 is arranged at a position opposite to 20) to perform a key input for requesting an item purchase settlement process using mileage points by a worker of the affiliate store 10.

In FIG. 2, the first key input unit 20 includes a liquid crystal display panel, for example, in which a card user member can query the status of mileage points of each point-applied card CD1 to CD3 and the item purchase status using the points. One display panel 24 is arranged, and a liquid crystal for visually inquiring about the state of purchase of goods purchased using the mileage points by a worker of the affiliated store 10 at an arrangement position facing the first display panel 24. The second display panel 26 made of the display panel is disposed.

That is, through the first key input unit 20 and the first display panel 24, the card user member can inquire about the process of inputting the member information and cashing the mileage points, and at the same time, the second key input unit 20 and By using the two display panel 24, the worker of the affiliated store 10 can perform the purchase process of goods purchase through the mileage points granted to the points application cards CD1 to CD3.

Meanwhile, as shown in FIG. 3, the internal circuit configuration of the card inquiry terminal 12 includes a key input interface 30, a card interface 32, an information storage unit 340, a temporary storage unit 360, and a microprocessor. (38), graphics processing unit 40, network interface 42, print processing unit 44, and receipt printer unit 46.

In FIG. 3, the key input interface 30 interfaces key input signals according to user key inputs of the first and second key input units 20 and 22 and inputs them to the microprocessor 38. The interface 32 interfaces card information signals of the point application cards CD1 to CD3 read through the card reader unit 28 and inputs them to the microprocessor 38.

The information storage unit 34 is an operating program such as Windows or Linux for operating the system of the card inquiry terminal 12, and a web browser program for searching the Internet web information based on such an operating program such as Windows or Linux. , An application program for managing the purchase process of goods purchase through the points application cards CD1 to CD3, and a key input command received from the outside and card information obtained from the points application cards CD1 to CD3 for transmission through the Internet communication network. Internet protocol conversion solution program is stored.

In addition, the temporary storage unit 36 performs a function of temporarily storing information data processed at the time of payment for purchase of goods using the mileage points assigned to the point application cards CD1 to CD3.

In FIG. 3, the microprocessor 38 stores the first key input unit 20 and the first key input unit 30 through the key input interface 30 while the system is managed by an operating program stored in the information storage unit 34. In accordance with the purchase command for the purchase of goods by cashing the mileage points input through the second key input unit 22, the point application cards CD1 to CD3 read from the card reader unit 28 through the card interface 32. The card information is received and transmitted to the main server 14 through the network interface 42 through the conversion process of the Internet protocol. In addition, each point application card CD1 to CD3 from the main server 14 is transmitted. Receiving the cashable information of the mileage points, which is held by the web browser program, and visually displays the first and second display panels 24 and 26 by executing the web browser program.

In addition, the microprocessor 38 establishes an internet communication network according to a deduction input of a mileage point according to a user operation of the first and second key input units 20 and 22 (that is, an item purchase settlement input using mileage points). Through the main server 14 to request the goods purchase payment processing corresponding to the amount of cash converted for the mileage point.

In the figure, the graphic processing unit 40 is input to the request and payment processing of the goods purchase payment processing using the mileage points assigned to the point application card (CD1 ~ CD3) in accordance with the information processing of the microprocessor 38. And graphical display information for visual display on the first and second display panels 24 and 26.

In addition, the network interface 42 is connected to an internet communication network in accordance with data processing from the microprocessor 38 to access the Internet information for the purchase of goods using the mileage points assigned to the point application cards CD1 to CD3. The exchange is performed by a network interface card (NIC) such as a LAN card.

Further, the print processing section 44, under the data processing of the microprocessor 38, information for issuing a bill receipt calculated as a result of the purchase of goods purchased using the mileage points granted to the point application cards CD1 to CD3. After performing the processing, the receipt printer unit 46 prints the bill receipt on the paper according to the information processing of the print processing unit 44.

Meanwhile, in FIG. 1, the main server 14 is connected to the card inquiry terminal 12 of the affiliated store 10 online through an internet communication network, and the mileage points granted to the point application cards CD1 to CD3. The exchange of internet information for goods purchase payment processing at the merchant 10 is performed by using a.

Here, the main server 14 applies each point application card (CD1 to CD3) based on the cash conversion unit of mileage points determined under a contract concluded with a card company holding the plurality of card information management servers A1 to An. ) Will convert the amount of cash for mileage points.

The database interworking server 16 is connected to the plurality of card information management servers A1 to An online through a value added network (VAN) or a dedicated line network, and the mileage points are stored at the affiliated store (10). The request for inquiry of mileage points for points applied cards (CD1 to CD3) to be used for payment processing, information for point deduction request for approval of the point deduction for goods purchase payment processing using the mileage points is performed.

The information database 18 stores the relevant information of the card companies each having the plurality of card information management servers A1 to An, and purchases payment processing using the mileage points of the points applied cards CD1 to CD3. The point deduction information calculated as a result is stored.

The plurality of card information management servers A1 to An are connected to the database interworking server 16 through a value-added communication network or a dedicated line network, and provide remaining mileage point information of a point application card issued by each card company. In accordance with the purchase request for goods purchase using the mileage points in the card inquiry terminal 12 provided in the affiliated store 10, the mileage points used for the payment processing are deducted.

In addition, the plurality of card information database (B1 ~ Bn) is the user member information of the point application card issued by each card company, the card information, the remaining mileage point information, the affiliated information of the affiliated store 10 and the affiliated store 10 The purchase settlement information that has been settled using the mileage points is stored, and the deduction information of mileage points which are deducted as a result of the goods purchase settlement process using the mileage points is stored.

Next, an operation according to an embodiment of the present invention made as described above will be described in detail with reference to the data flowchart of FIG. 4.

First, in a state in which a franchise contract has been concluded with a plurality of card companies in an affiliate store 10 that provides a predetermined sale of goods or a paid service, a plurality of points applied cards (CD1 to CD1 ~) In the case of purchasing payment using the mileage points of CD3), the card inquiry terminal 12 of the affiliated store 10 receives the card information of a predetermined point application card through the card reader unit 28, and the card user member. While receiving the security information such as a password by the key input using the first key input unit 20 of the card query request information by the key input using the second key input unit 22 of the employee of the merchant 10 You will receive an input.

In this state, the microprocessor 38 of the card inquiry terminal 12 uses the card information of the point application card received through the card interface 32, the affiliate information of the affiliate store 10, and the Internet protocol of the card inquiry request information. (D1), the card information, the affiliated information, and the card inquiry request information on which the Internet protocol is converted are transmitted to the main server 14 through the network interface 42 through the network interface 42 (D2).

The main server 14 receives a card inquiry request information from the card inquiry terminal 10 through an internet communication network, and refers to a plurality of card information management servers with reference to relevant information of a card company stored in the information database 18. Search and extract the card information management server of the card company that issued the point application card where the card inquiry request was made from A1 to An), and transmit the card information and affiliate information to the card information management server through the database interlocking server 16. While transmitting, the card inquiry request is performed (D3).

Accordingly, the card information management server inquires the remaining points with reference to the card information stored in the corresponding information database among the plurality of information databases B1 to Bn and the remaining mileage point information (D4), and the remaining mileage points The remaining point information generated as a result of the inquiry is transmitted to the main server 14 through the database interlocking server 16 (D5).

In this state, the main server 14 converts the remaining point information received from the card information management server into a cash amount for the mileage point of the card to which the point is applied according to the cash conversion unit of the corresponding card company stored in the information database 54. Is converted (D6), and the amount of cash generated as a result of the conversion processing is transferred to the card inquiry terminal 12 as cashable information (D7).

Accordingly, the card inquiry terminal 12 transfers the cashable information received from the main server 14 through the network interface 42 under the graphic processing of the graphic processing unit 40. 26), and the deduction amount of the mileage point to be used for payment of goods purchase is input by the key input of the first key input unit 20 or the second key input unit 22 (D8).

The card inquiry terminal 12 transmits the input information of the point deduction amount received through the first key input unit 20 or the second key input unit 22 to the main server 14 through an internet communication network; D9), the main server 14 generates the point deduction request information based on the point deduction amount input information received from the card inquiry terminal 12 and through the database interworking server 16, the card information of the corresponding card company. Online transmission to the management server (D10).

Subsequently, the card information management server uses the points through the remaining mileage point information of the corresponding point applied card stored in the card information database according to the point deduction request information received through the database interworking server 16 to perform the purchase of goods purchase payment. The use approval is performed, and the point use approval information is transmitted to the main server 14 (D11), and the amount of mileage points used in the card inquiry terminal 12 is deducted by the point. The purchase information using the mileage points is generated for the affiliate information of the affiliate store 10 (D12).

At this time, the main server 14 transmits the notification notification information to the card inquiry terminal 12 according to the point use approval information received from the card information management server (D13), and the card inquiry terminal 12 In this case, the approval notification information from the main server 14 is visually displayed on the first and second display panels 24 and 26.

On the other hand, when the credit information deduction processing of the mileage point is completed, the card information management server transmits the point deduction completion information to the main server 14 (D14), the main server 14 is the card information management server In addition to storing the result of the purchase of goods by the mileage points deducted according to the point deduction completion information from the information database 18 (D15), the point deduction completion notification information is transmitted to the card inquiry terminal 12 ( D16).

Accordingly, when the card inquiry terminal 12 receives the point deduction completion notification information online from the main server 14, the details of the goods purchase settlement process are included through the print information processing by the print processing unit 44. The receipt is printed out to the ground through the receipt printer unit 46 (D17).

On the other hand, in one embodiment of the present invention described above by cashing the mileage points granted to one point application card of a plurality of point application card (CD1 ~ CD3) for the predetermined goods or paid services sold in the affiliated store (10) Although only the state of carrying out the purchase purchase payment process is described, each point application card (CD1 to CD3) is separately used for a single item purchase payment item, and then each point application card is confirmed. The total amount or partial settlement of the settlement amount of the goods to be purchased can be made by adding up the respective amounts of cash converted by the mileage points (CD1 to CD3).

Next, another embodiment of the present invention will be described in detail with reference to the accompanying drawings.

That is, FIG. 5 is a diagram showing the configuration of a mileage point cashing system according to another embodiment of the present invention, and the same reference numerals are given to the same components as those of the embodiment of the present invention shown in FIG. Detailed description thereof will be omitted.

The mileage point cashing system according to another embodiment of the present invention shown in the drawings, the integrated card (UCD) is applied to the card information of the point application card issued by a plurality of card companies, and the merchant 10 Card inquiry terminal 12, integrated main server 50, database interworking server 52, information database 54, card information management server A1 to An, and card information database B1 to Bn arranged in the It consists of.

The integrated card (UCD) is a point-applied card issued to a card user member by each card company under a certain agreement with a plurality of card companies each having the plurality of card information management servers A1 to An (hereinafter, affiliated). The card information of the card is collectively stored, which is in the form of a magnetic card in which the card information is stored in the magnetic part or a contactless smart card in which the card information is stored in the semiconductor memory.

The card inquiry terminal 12 is disposed in an affiliated store 10 that provides a predetermined item or a paid service, and is integrated into the integrated card UCD by exchanging information with the integrated main server 50 through an internet communication network. This is to perform a purchase purchase payment process using the mileage points of the plurality of affiliate cards applied.

Here, the hardware configuration of the card inquiry terminal 12 is the same as the configuration of the card inquiry terminal according to an embodiment of the present invention shown in Figs.

In addition, the integrated main server 50 is connected online with the card inquiry terminal 12 of the affiliated store 10 through an internet communication network, and the mileage points of a plurality of affiliated cards integrated in the integrated card (UCD) Exchange the information for the payment of goods purchase using.

Here, the unified main server 50 is made a contract for the cash equivalent conversion unit of the card company and the mileage point issuing a partnership card that is applied integrally to the unified card (UCD), each based on the cash equivalent conversion unit The conversion of the cash amount for the mileage point of the affiliate card is performed.

In the figure, the database interworking server 52 is connected online with the plurality of card information management servers A1 to An via a value-added communication network or a dedicated line network, and the merchant 10 pays using mileage points. In addition to conducting an overall inquiry request of mileage points for each affiliate card applied to the integrated card (UCD) to be processed, it also performs a point deduction request for the processing of purchase of goods using the mileage points and exchanges information for authorization processing. do.

The information database 54 stores relevant information about a plurality of card companies that have entered into a contract for the integration of card information with respect to the integrated card (UCD), and the mileage of each affiliated card applied to the integrated card (UCD) The point deduction information calculated as a result of the purchase process of purchasing goods using the points is stored.

Next, an operation according to another embodiment of the present invention made as described above will be described in detail with reference to the data flow chart of FIG. 6.

First, a contract for the integrated operation of card information with a card company that issues a point application card to which a mileage point is granted to a predetermined card user member is concluded. When the card user member carrying the integrated card (UCD) in the state that the card information is stored, and wants to receive goods or paid services sold in a predetermined affiliate store 10 using the mileage points of the affiliated card, the card The inquiry terminal 12 is a member input by card information of the integrated card (UCD) ripened through the card reader unit 28 and key input of the first key input unit 20 and the second key input unit 22, respectively. It receives the security information and the card query request information and performs the conversion of the Internet protocol with the affiliate information of the affiliated store (10) (D20).

In this state, the card inquiry terminal 12 performs a card inquiry request while transmitting the affiliate card information and the affiliate information to the integrated main server 50 through the network interface 42 (D21).

Accordingly, in the integrated main server 50, in accordance with the card inquiry request of the card inquiry terminal 12, the association card information for the plurality of affiliate cards integrated in the integrated card UCD is integrated into the information database 54. Search and extract based on the stored card company's relevant information, and separately from the card information management server of the card company that issued each affiliate card among the card information management servers A1 to An, the affiliate card information and affiliate information respectively. The card inquiry request is performed while transmitting (D23).

Each card information management server issuing a plurality of alliance cards integrated to the unified card (UCD) retrieves the remaining mileage point information stored in the respective card information database according to the card inquiry request of the unified main server 50. Remaining point inquiry of the affiliated card is performed (D24), and the remaining point information is transmitted to the integrated main server 50 via the database interworking server 52 according to the result of the remaining point inquiry (D25). ).

Accordingly, the integrated main server 50 converts individual cash amounts based on the cash conversion units contracted with each card company based on the remaining point information received from the respective card information management servers (D26). In addition, the cashable information for each affiliate card calculated as a result of the cash conversion process is transmitted to the card inquiry terminal 12 online (D27).

The card inquiry terminal 12 visually displays on the first and second display panels 24 and 26 the cashable information for each affiliated card received from the integrated main server 50 via the Internet communication network. Selecting a target card from which a card user member wishes to use point deduction among a plurality of alliance cards applied to the unified card (UCD) by the key input of the first key input unit 20 or the second key input unit 22. And it is possible to selectively enter the amount of use of the mileage points granted to the selected affiliate card (D28).

In addition, the card inquiry terminal 12 displays the selection information of the point deduction target card selected by the first key input unit 20 or the second key input unit 22 and the point deduction amount input information for the selected affiliate card. The integrated main server 50 is transmitted to the integrated main server 50 (D29), and the integrated main server 50 is a card deduction target card selected from the card inquiry terminal 12, that is, each card information management server that issues an affiliated card; Access to the online point to send the point deduction request information for the goods purchase payment processing in the merchant (10).

Accordingly, at least one or more card information management servers selected for the goods purchase settlement process using the mileage points of the affiliated card are stored in the corresponding card information database according to the point deduction request information from the integrated main server 50. The point use approval process is performed based on the point information, and the point use approval information calculated as a result of the approval process is transmitted to the integrated main server 50 (D31), and the integrated main server 50 is used. ) Transmits the approval notification information to the card inquiry terminal 12 (D33).

In addition, each card information management server deducts the amount of points used for the purchase of goods from the remaining mileage point information of the corresponding card information database, and uses the mileage points for the affiliate information of the affiliated store 10. The purchase payment information is generated (D32), and the point deduction completion information is transmitted to the integrated main server 50 as a result of the point deduction process (D34).

Accordingly, the integrated main server 50 stores in the information database 54 the sum information of the mileage points deducted for each affiliate card according to the point deduction completion information received from the respective card information management servers. (D35), the point deduction completion notification information is transmitted to the card inquiry terminal 12 (D36).

As a result, when the card inquiry terminal 12 receives the point deduction completion notification information online from the integrated main server 50, the details of the product purchase settlement process through the print information processing by the print processing unit 44 are performed. The receipt is included is printed out to the ground through the receipt printer unit 46 (D37).

It is a matter of course that the present invention having the above-described embodiments can be variously modified and implemented without departing from the gist of the present invention without departing from the gist thereof.

As described above, according to the present invention, even if the mileage points granted to various credit cards, membership cards, and membership cards do not reach a certain cumulative point value, the amount of points can be cashed to be used for purchase and payment processing of various items. Card companies that issue cards will have a visible effect on the marketing aspects of providing mileage points, and card users will be able to cash out even low mileage points immediately and hope to purchase them. There is an effect of having a profit on the purchase, and in the case of merchants selling goods, the smoothing of the mileage point cash flow has the effect of inducing the consumer psychology of the card user member to facilitate the purchase.

Claims (10)

Purchasing payment system of point-applied card, which executes a purchase purchase payment process at a merchant that provides predetermined goods and paid services using points-applied cards issued from a plurality of card companies, and receives mileage points according to the use of the card. To A card inquiry terminal device which is arranged at the affiliated store and receives the cash conversion amount of the mileage point granted to the point application card online through an information communication network to perform a purchase purchase payment process; Approved the use of points according to the goods purchase payment process using the mileage points assigned to the point application card of the card inquiry terminal device, respectively, and deducts the mileage points used in the purchase settlement. Multiple card information management server, A plurality of card information databases storing information on the amount of deduction of the mileage points deducted according to the goods purchase settlement process using the mileage points assigned to the point application card of each card information management server, and the affiliate information of the affiliated stores where the goods purchase settlement was made. , In accordance with the purchase request for purchase of goods using the mileage points of the point application card of the card inquiry terminal device through the information communication network, the points of the points are based on the retrieval information of the remaining mileage points provided from the card information management server that issued the point application card. A point cash management server that performs cash conversion and manages the purchase processing of goods purchases based on the converted cash amount; Mileage point of the mileage point, characterized in that the information database for storing the amount of deduction of the mileage point deducted by the goods purchase payment processing of the card inquiry terminal device as a result of the conversion of the mileage point of the point cash management server Cashing system. The apparatus of claim 1, wherein the card inquiry terminal device comprises: a plurality of display panels and a plurality of key input units installed to face each other so that a user member of the point-applied card and a worker of an affiliated store can simultaneously input and inquire about a purchase process of an article purchase; Mileage point cash system, characterized in that consisting of a card reader for reading the card information of the point application card. 3. The card inquiry terminal device of claim 2, wherein the card inquiry terminal apparatus comprises a key input interface for interfacing key input information input from a plurality of key input units, a card interface for interfacing card information of a point application card input from the card reader unit, and mileage. An application program for managing purchase payment processing using points, an information storage unit for storing protocol conversion solutions, a temporary storage unit for temporarily storing data generated by a goods purchase payment process using mileage points, and a card from the card interface. A product using a mileage point of a point application card is exchanged by converting a protocol of information and key input information from a key input interface to request a purchase of goods using mileage points, and by exchanging information online with the point cash management server. A microprocessor for performing a payment processing process, A graphic processing unit for performing a graphic processing for displaying a purchase payment process using the mileage points on the plurality of display panels, Network interface for interfacing communication information exchanged through an information communication network, Mileage Cash flow system of mileage points comprising a receipt printing unit for outputting the receipt issued as a result of the goods purchase payment processing using the point to the ground. The payment processing method according to claim 1, wherein the point cash management server performs payment processing through a cash conversion amount of mileage points assigned to a plurality of point application cards for a single item purchase payment item for which a purchase settlement process is performed at the card inquiry terminal device. Mileage point cash system, characterized in that to enable. The system of claim 1, wherein the point cash management server manages to be applied to the goods purchase settlement process irrespective of the amount of mileage points accumulated in the point application card. The method of claim 1, wherein the point cash management server converts the mileage points of each point applied card managed by the plurality of card information management server by the differential cash conversion unit, respectively, characterized in that the mileage point cash system. Purchasing payment method for points-applied card that is given mileage points according to the performance of the card, and performs payment process for purchase of goods at merchants providing predetermined goods and paid services using points-applied cards issued from a plurality of card companies. To Requesting, via an information communication network, an inquiry of the remaining mileage points for the card to which the card user member wishes to purchase goods in the card inquiry terminal of the affiliated store online; In accordance with a request for inquiry of the remaining mileage points, converting the remaining point information inquired from the card information management server of the card company in the main server into a cashed amount so as to be able to check it; Performing a request for deduction of the points used in the settlement process for the purchase of goods using the cash equivalent of the remaining mileage points in the card inquiry terminal; In accordance with the request for deduction of mileage points, approving the use of the points in the card information management server and deducting the mileage points used for the purchase of goods; The method for cashing the mileage points, characterized in that the card receiving terminal receives the use approval information of the point to complete the goods purchase payment processing. According to claim 7, wherein the step of completing the goods purchase payment process by the point use approval information in the card inquiry terminal, And a step of issuing a receipt as a result of the product purchase settlement process using the mileage point upon completion of the product purchase settlement process. Purchasing payment system of point-applied card, which executes a purchase purchase payment process at a merchant that provides predetermined goods and paid services using points-applied cards issued from a plurality of card companies, and receives mileage points according to the use of the card. To A single integrated card in which card information and mileage points granted to a plurality of points applied cards issued by a plurality of card companies are individually applied by a single card user member; A card inquiry terminal device which is arranged at the affiliated store and receives the cash conversion amount of the mileage points of the points applied card integrated in the integrated card online through an information communication network, and performs a product purchase settlement process; A plurality of card information management servers disposed in the plurality of card companies, each of which approves the use of the points according to the goods purchase payment process using the mileage points of the card inquiry terminal device, and deducts the mileage points used for the purchase settlement. , A plurality of stores the information of the amount of deduction of the mileage points deducted according to the goods purchase settlement process using the mileage points of each point applied card integrated in the integrated card of each card information management server, and the affiliated information of the merchants where the goods purchase settlement was made 'S card information database, In accordance with the purchase request for purchase of goods using the mileage points of the points applied card integrated in the integrated card of the card inquiry terminal device through the information communication network, the search information of the remaining mileage points provided from the card information management server that issued the corresponding points applied card. A point cash management server for performing point-to-cash conversion of points based on the respective points, and managing the purchase of goods by the converted amount of cash; Mileage point of the mileage point, characterized in that the information database for storing the amount of deduction of the mileage point deducted by the goods purchase payment processing of the card inquiry terminal device as a result of the conversion of the mileage point of the point cash management server Cashing system. Purchasing payment method for points-applied card that is given mileage points according to the performance of the card, and performs payment process for purchase of goods at merchants providing predetermined goods and paid services using points-applied cards issued from a plurality of card companies. To Issuing an integrated card integrating the card information and mileage points of the points applied card for each card user member; Performing an inquiry request online through the information network on the remaining mileage points of each point-applied card integrated in the integrated card of the card user member wishing to purchase goods in the card inquiry terminal of the merchant; Requesting the inquiry of the remaining mileage points from the main server to the card information management server of the card company that issued the points applied card integrated in the integrated card according to the request for inquiry of the remaining mileage points, Converting the cashed amount for each remaining mileage point inquired from each card information management server in the main server and transmitting the converted amount to the card inquiry terminal; Performing a request for deduction of points used for payment processing, selecting a point application card subject to point deduction, for the purchase of goods using the cash equivalent of the remaining mileage points in the card inquiry terminal; In accordance with a request for deduction of mileage points, requesting a point deduction by searching the issuing card information management server of a point applied card which is the point deduction subject in the main server; Approving the use of the points in the card information management server and deducting the mileage points used for the purchase of goods; Receiving the use approval information of the point in the card inquiry terminal, the step of completing the goods purchase payment processing, characterized in that the mileage point cashification method.