KR20020094134A - Integrated reward system and method for reverse finance - Google Patents

Abstract

PURPOSE: A system and a method for the reverse financial unified reward are provided to generate profits from the consumption for a service user and to actively induce the regular customers for an affiliated bank by offering the profits of the investment to the service user via the affiliated bank. CONSTITUTION: A member company(30) and a service providing device(10) make a main transaction bankbook from the affiliated bank(40). The service user pays for the purchases in the member company by using a user bankbook. The member company remits the point money corresponding to the service points offered to the service user to the company's bankbook of the service providing device by using a member company bankbook. The service points are added up to generate a point pool by the service providing device. The service providing device performs the investments by using the points and distributes the profits generated by the investments to the service user depending on the service points returned to the point pool.

Description

Integrated reward system and method for reverse finance

The present invention relates to a reverse banking integrated reward system and a method for providing a predetermined service point, such as a reserve, for activating a subscriber of a service, and in particular, to activate an affiliate bank transaction.

Modern society is a competitive society, and in recent years, it offers various privileges to service subscribers who use the bank in order to attract more customers.

For example, service subscribers who pay salaries to the bank account will have lower loan interest rates, and if they have more than a certain amount of direct debit through the bank account, he or she will be granted a check fee.

However, the above-mentioned privilege provided by the bank does not provide a benefit to the service subscriber who pays the salary but does not need a loan, or the service subscriber who pays only a certain number of transactions, even though the number of direct debits is more than a predetermined amount.

Therefore, due to the privileges offered by the bank, it is unlikely that the subscriber will use the bank as the main bank.

In addition, in recent years, a number of reserve merchants have been affiliated with each other to provide mutual reserves for the amount of money spent at affiliated companies.

However, even in the above case, the provision of reserves does not come to a significant meaning to the service subscribers.

Accordingly, the present invention was created in view of the above circumstances, and the investment amount according to the use of the member company of the service subscriber is carried out through the bank account of the affiliated company, and the investment is made by using the service point provided to the service subscriber in the member company for the investment. By providing profits to service subscribers through affiliated banks, it provides service subscribers to generate income from consumption, and affiliated banks provide reverse financial integrated reward system and method for smoothly attracting fixed customers. Has its technical purpose.

1 is a system schematic diagram showing a schematic configuration of a reverse banking integrated reward system according to the present invention.

Figure 2 is a block diagram showing the functional separation of the internal configuration of the service providing apparatus 10 shown in FIG.

3 is a diagram showing a detailed table structure of the database 122 shown in FIG.

4 is a flowchart illustrating the operation of the reverse banking integrated reward system according to the present invention;

***** Brief description of the main parts of the drawings *****

10: service providing device, 11: network connection,

12: server, 13: operator terminal,

20: subscriber terminal, 30: member company,

40: bank, 50: investment company.

In order to achieve the above object, the reverse financial integrated reward system according to the first aspect of the present invention is a member company and a bank are combined through a predetermined communication network, and the investment is made based on the service point of the service subscriber provided through the member company. In the point providing system comprising a service providing device for providing the investment profit to the service subscriber, the member company grants a predetermined service point for the consumption of the subscribed service subscriber, the point amount corresponding to the service point It is configured to deposit to the bank account of the service providing device through the bank, the service providing device is to perform the investment process using the point amount corresponding to the point pool generated by summing the service points of the service subscribers authorized from the member company In addition to performing the investment, the proceeds from the investment It is characterized in that it is configured to control to deposit by each bank to deposit the service subscriber through the bank.

In addition, the reverse financial integration reward method according to the second aspect of the present invention, the member company and the bank is combined through a predetermined communication network, and provides the service subscriber with a predetermined investment profit according to the service point granted to the service subscriber through the member company In the point providing method of the point providing system comprising a service providing device, the step of opening a bank account through the bank in the service subscriber and member company, the service providing device, and the member company of the registered service subscriber A service point granting step of granting a predetermined service point for consumption and depositing a point amount corresponding to the service point to the bank account of the service providing apparatus through the bank, the service subscriber authorized by the member company in the service providing apparatus. Create a pool of points by summing service points Point pool generation step, the investment step of performing the investment process using the point amount corresponding to the point pool in the service providing device, the distribution profit information for distributing the investment profit generated in the investment step in the service providing device to the service subscribers And the investment profit distribution step of calculating and sending the investment profit to the bank, and the investment profit distribution step of transferring the distribution profit from the bank account of the service subscriber to the bank account of the service subscriber based on the distribution profit information authorized from the service providing device. Characterized in that comprises a.

That is, according to the above, by providing the subscribers reverse points for each service subscriber according to the investment profits using the service points provided for the service subscriber's consumption amount of the service subscribers paid through the transaction account of the partner bank, Subscribers will be able to realize the benefits of their reserves, and partner banks will be able to secure their customers.

Next, an embodiment according to the present invention will be described with reference to the accompanying drawings.

First of all, reverse finance in the present invention refers to finance created by consumer's consumption, and particularly means finance for reserves generated by consumer's consumption.

1 is a system schematic diagram showing a schematic configuration of a reverse banking integrated reward system according to the present invention.

As shown in FIG. 1, in the reverse banking integrated reward system according to the present invention, a service providing apparatus 10 includes a plurality of subscriber terminals 20, member companies 30, and banks 40 through a predetermined communication network. Are constructed in combination.

Here, the service subscriber, the member company 30 and the service providing device 10 makes a main transaction account in the associated bank (40). At this time, the service subscriber pays the consumption amount consumed by the member company 30 through his or her subscriber account, and the member company 30 uses the service provider through the member company's bank account for the point amount corresponding to the service point provided to the service subscriber. The remittance will be made to the company's bank account in 10).

On the other hand, the member company 30 is not shown, but is configured in combination with other affiliated member companies, such as gas stations, restaurants / food companies, distributors / shopping companies, each member company 30 is to use the use of affiliated member companies in the subscription of the service subscriber Issuing a membership card for, and is configured to provide a predetermined service point according to the use of the membership card of the service subscriber.

The service providing apparatus 10 generates a predetermined point pool by summing service points of service subscribers provided from the member companies 30. In addition, the service providing device 10 makes investments in stocks, start-up investments, real estate, etc. using the point amounts corresponding to the point pools, and the profits generated by the investments correspond to the service points attributable to the point pools. It will be distributed to each service subscriber.

In this case, the service providing apparatus 10 may be configured to cooperate with the investment company 50 to perform the investment processing using the point amount corresponding to the point pool in the investment company 50.

In addition, the service providing device 10 is established as a corporate company, it is also possible to implement to provide treasury shares corresponding to the service point provided to the service subscriber.

2 is a functional block diagram showing functionally separated internal structure of the service providing apparatus 10 shown in FIG.

As shown in FIG. 2, the service providing apparatus 10 includes a network connection unit 11 for forming a communication path between the subscriber terminal 20, the member company 30, and the bank 40, the server 12, and the like. And an operator terminal 13 configured to include data input means such as a key input means and a monitor to perform operational control of the service providing apparatus 20.

Here, the server 12 is a data memory for temporarily storing a variety of data processed by the service control unit 121, the database 122, the service control unit 121 for controlling the overall operation of the service providing apparatus 10. 123 and a web page information storage unit 124 for storing various input screen information for performing a service according to the present invention.

In addition, the service control unit 121 includes, for example, a GUI (Graphic User Interface) module to provide various screen information stored in the web page information storage unit 124, and the subscriber terminal 20 and each through an input screen. The database 122 is updated based on information authorized from an affiliate, that is, the member company 30 and the bank 40.

In addition, the service control unit 121, as shown in Figure 2, for performing a general service management and data interface with the operator terminal 13, such as data transmission and reception according to the connection with the subscriber terminal 20 and each affiliated company. The service management processing unit 121a, the member registration processing unit 121b for performing predetermined membership processing based on the member registration information of the service subscriber authorized from the member company 30, and the service of each service subscriber provided from the member company 30. The service point processing unit 121c generates a point pool by adding points, and performs a predetermined investment process using the point amount corresponding to the point pool, and based on the investment profit information for each point pool according to the investment process. And an investment information processing unit 121d for performing profit distribution processing for the service subscriber.

Meanwhile, in FIG. 2, the database 122 includes a member information storage 122a, a member president 122b, and a point pool information storage 122c.

And, as shown in Figure 3, the member information storage unit 122a, member ID, password, membership card number, bank account number, name, e-mail, contact information, earning points, etc. And the like, and the member company information storage unit 122b stores member identification codes, access information, member company mutual information, contact information, service subscriber transaction information, and bank account number information.

As shown in FIG. 3, the point pool information storage unit 122c stores point pool identification codes, total service point information, member IDs, investment history information, investment profit and loss information, and the like.

On the other hand, in Figure 2, the database 122 is implemented in the server 12, but is preferably configured as a separate file server.

Next, the operation of the reverse banking integrated reward system having the above configuration will be described.

4 is a view for explaining the reverse financial integration reward method according to the present invention.

First, the service subscriber, the member company 30 and the service providing device 10 open a bank account for a financial transaction through the affiliated bank 40. Hereinafter, a bank account of a subscriber of a service is referred to as a bank account of a subscriber, a bank account of a member company 30 is a bank account of a member company, and a bank account of the service providing device 10 is referred to as a company bank account.

In addition, a plurality of member companies 30, for example, gas stations, restaurants / food companies, distribution / shopping companies, etc., transmit predetermined member company registration information for providing the service to the service providing apparatus 10 to perform predetermined member company registration processing. (ST1). That is, the service providing device 10 stores the member company registration information provided from the member company 30 in the member company information storage unit 12b of the database 122 to process service cooperation between the service providing device 10 and the member company 30. Will be performed. At this time, the member company 30 will inform its member company account account number to the service providing device 10, the service providing device 10 will also inform the member company 30 of its own account number.

On the other hand, the service subscriber is to perform a predetermined subscription process through the member company 30 to receive the service (ST2).

That is, the service subscriber provides the predetermined member registration information to the member company 30, and accordingly the member company 30 issues a predetermined membership card to the service subscriber for use of the member company (ST3). At this time, the service subscriber provides the subscriber account number to the member company 30 when registering through the member company 30 and selects the investment type of the service point accumulated in the service subscriber himself. For example, the service subscriber may select one of stocks, start-up investment, real estate, futures, or two or more types of investments to have a predetermined ratio.

Then, the member company 30 transmits the member subscription information of the service subscriber, for example, the member ID, password, card number, subscriber account number, and investment type information to the service providing device 10 (ST4), and the service providing device ( 10) stores and registers the member subscription information of the service subscriber authorized from the member company 30 in the member information storage 122a of the database 122.

Subsequently, when the service subscriber consumes the member company 30 and presents the membership card to the member company 30, the member company 30 calculates a predetermined service point corresponding to the consumption amount of the service subscriber (ST5).

Then, the member company 30 transmits the predetermined point information according to the consumption of the service subscriber to the service providing apparatus 10 (ST6). In this case, the point information includes the service point information of the service subscriber, the card number, the member ID, and the member company identification code information.

Here, the member company 30 is configured in connection with other member companies, each member company to calculate the service points of the service subscribers registered through the member company periodically, for example, a week or one month service providing apparatus 10 In other words, each member company 30 receives the accumulated service points of the service subscribers registered through the company from other member companies, adds them up for a predetermined period, and adds the summed service point information. It is sent to the service providing apparatus 10.

In addition, the member company 30 transfers the point amount corresponding to the service point information of the service subscriber to the company account of the service providing apparatus 10 through the bank 40 (ST7).

Meanwhile, the service providing apparatus 10 updates the database 122 based on the point information authorized from the member company 30, and provides the point information to the bank 40 (ST8).

Then, the bank 40 prints out the point information to the subscriber account of the service subscriber based on the point information authorized from the service providing apparatus 10 (ST9).

On the other hand, the service providing device 10 generates a predetermined point pool by summing service points provided to each service subscriber from the member company 30, and the service providing device 10 from the member company 30 in an amount corresponding to the point pool. The investment amount of the stock, real estate, entrepreneurship investment, etc. will be processed using the point amount deposited into the company's bank account (ST10).

In this case, the point pool is generated when a service point of a predetermined score or more, for example, 1,000,000 or more points is generated, and the service providing apparatus 10 assigns a predetermined identification code to the point pool. In addition, the service providing device 10 may generate each point pool according to the type of investment, for example, stocks, real estate, futures, start-up investment, etc., which is based on the selection by the service subscriber at the time of membership registration. That is, the service providing device 10 generates a "stock point pool" by summing service points of all service subscribers whose investment type information of the member information received through the member company 30 is selected as "stock", and using the same. Stock investment will be performed.

On the other hand, as described above, while the service providing device 10 is performing the investment process using the point pool, the service subscriber is connected to the service providing device 10 through its subscriber terminal 20, the service It is possible to check the own earned service points provided from the providing device 10 to the subscriber terminal 20.

Then, the subscriber to the service using the subscriber terminal 20 or the call to the service providing device 10 by requesting the service point refund to the service providing device 10 (ST11), the service providing device (10) ) Performs the payback process for the amount of points corresponding to the service points required to be refunded, and distributes the profits to the service subscribers who requested the refund (ST12). At this time, the service subscriber can perform a refund request for a certain service point of his accumulated service point.

That is, the service providing apparatus 10 performs an investment recovery process such as selling a stock for the point amount required for refund, and the profit amount according to the investment recovery process includes the number of service points attributable to the refund point pool and Based on the investment period, the distribution of investment profits is calculated so that the service subscribers are distributed evenly.

In addition, the service providing apparatus 10 generates predetermined refund amount transfer request information for the corresponding service subscriber based on the investment profit distribution information calculated in step ST12 and transmits it to the bank 40 (ST13). In this case, the refund amount transfer request information is configured to include the subscriber account account number of the service subscriber, the transfer amount information.

Meanwhile, when the bank 40 receives the refund amount transfer request information authorized from the service providing device 10, transfers a predetermined refund amount from the company's account of the service providing device 10 to the subscriber account of the corresponding service subscriber, and then provides the service. The refund liquid transfer confirmation information is sent to the apparatus 10 (ST14).

In addition, the service providing apparatus 10 updates the database 122 based on the refund amount transfer confirmation information authorized from the bank 40, and transmits the predetermined refund amount transfer information to the service subscriber (ST15).

At this time, the service providing device 10 is to reduce the current earned service point information by the service point for which the profit is generated for the service subscriber.

That is, according to the above embodiment, in the state where the subscriber and the member company and the service providing device open the bank account in the affiliated bank, the member company provides the service point for the consumption of the service subscriber, and the service providing device through the bank from the member company. In addition to investing by using the amount of points deposited, the investment profit is configured to be deposited through the bank to the account holder of the service subscriber.

Therefore, according to the present invention, by providing the investment profit using the service point provided from the member company to the transaction account of the service subscriber for the service subscriber's consumption amount of the service subscriber settled through the transaction account of the affiliated bank, the service subscriber benefits from the reserve It will be possible to realize this, and partner banks will be sure to attract customers.

In addition, the present invention is not limited to the above embodiments, and various modifications can be made without departing from the technical spirit of the present invention.

As described above, according to the present invention, the service subscriber can use the member company by providing the investment profit using the service point provided for the service member's consumption amount of the service subscriber settled through the transaction account of the affiliated bank. The benefits of the reserves will be realized, and partner banks will be able to secure customers.

Claims (7)

Reverse financial integrated reward system comprising a service provider that combines member companies and banks through a predetermined communication network and makes investment based on the service subscribers' service points provided through the member companies and provides the investment profits to the service subscribers. silver, The member company is configured to grant a predetermined service point for the consumption of the subscribed service subscriber, and to deposit a point amount corresponding to the service point to the bank account of the service providing apparatus through the bank, The service providing apparatus performs an investment process using a point amount corresponding to a point pool generated by summing service points of service subscribers authorized by a member company, and distributes the profits for each service subscriber to service subscribers through a bank. Reverse financial integrated reward system, characterized in that the control to deposit to the bank account. The method of claim 1, The service providing device is combined with an investment company that makes an investment to provide point pool information to the investment company, and the investment company is configured to perform investment processing based on the point pool information authorized from the service providing device. Reverse financial integrated reward system. The method of claim 2, The service providing apparatus is established as a company corporation, reverse financial integrated reward system, characterized in that configured to provide the treasury shares corresponding to the accumulated service points of the subscribers. The method of claim 1, The point pool is a reverse financial integration reward system, characterized in that the generated corresponding to the investment type. In a point providing method of a point providing system comprising a service providing device for combining a member company and a bank through a predetermined communication network, and providing a service subscriber with a predetermined investment profit according to the service point granted to the service subscriber through the member company. , Opening a bank book in the service subscriber, member company, service providing device to open a transaction account through the bank, The member company grants a predetermined service point for the consumption of the subscribed service subscriber, and the service point granting step of depositing a point amount corresponding to the service point to the bank account of the service providing apparatus through the bank; A point pool generation step of generating a point pool by summing service points of service subscribers authorized by a member company in the service providing apparatus; An investment step of performing an investment process using the point amount corresponding to the point pool in the service providing apparatus; An investment profit distribution step of calculating distribution profit information for distributing the investment profit generated in the investment step in the service providing device to the service subscriber and sending it to the bank; Reverse banking integrated reward comprising: an investment profit distribution step of transferring the distribution profit from the bank account of the service subscriber to the bank account of the service subscriber based on the distribution profit information authorized from the service providing device in the bank; Way. The method of claim 5, The point pool generated in the point pool generation step, characterized in that at least one or more generated according to the investment type reverse financial integration reward method. The method of claim 5, And the member company provides service subscriber information of service subscribers to a service providing device on a predetermined cycle basis.