KR20020094410A - System and method for providing future reverse point - Google Patents

Abstract

PURPOSE: A system for supplying futures reverse points and a method thereof are provided to maximize a benefit of service points collected in a service subscriber and supply the points. CONSTITUTION: A member company(20) transmits registration information to a service supplying device(10) and performs a member company registration(ST1). A service subscriber supplies member information to the company(20), and the company(20) issues a membership card to the registered service subscriber(ST2,ST3). The company(20) transmits member information to the device(10,ST4). If the service subscriber suggests the membership card to the company(20), the company(20) calculates service points corresponded to a consumption of the service subscriber and endows the service points(ST5). The company(20) transmits point including the calculated service point to the device(10) and transfers a point amount of money corresponded to the service points to a bankbook of the device(10,ST6). The device(10) adds service points which are supplied for each service subscriber from the company(20), creates a point pool, and performs an investment process using an amount of money corresponded to the point pool(ST7). The device(10) calculates reverse points according to each service subscriber on earnings of the investment after the investment is terminated using the point pool(ST8). The device(10) calculates futures reverse points to be collected send out based on the reverse points(ST9). The device(10) creates risk load demanding information with respect to the calculated futures reverse points and transmits the information to an insurance company(30,ST10). The insurance company(30) checks an insurance joining with respect to the futures reverse points based on the risk load demanding information, and transmits risk load confirmation to the device(10,ST11). The device(10) notifies the reverse point and the futures reverse point to the service subscriber(ST12).

Description

System and method for providing future reverse point

The present invention provides the service subscriber with a reverse point corresponding to the profit of the investment by using the service point accumulated from the member company for investment of the service subscriber's consumption, and predicts the reverse point to be accumulated according to the current reverse point of the service subscriber. The present invention relates to a futures reverse point providing system and a method for providing various financial services based on this.

Modern society is a society of competition, and recently, in order to attract more customers, the company is providing a service for granting a predetermined reserve for the consumption amount when purchasing or using the company's products.

In other words, when purchasing a company's product, a part of the purchase price is returned to the service subscriber, and the service subscriber purchases another product using the amount accumulated due to purchase of the company's product, or after a predetermined period of cash Will be returned.

However, for service subscribers, the reserve service has a small amount of the reserve, so in order to purchase another product, the subscriber must deposit more cash, even if the cash is returned, if the length is long or short, Because of their small size, service subscribers are often unaware of the effects of reserves.

In recent years, a large number of reserve merchants have partnered to provide mutual reserves for the amount of spending from affiliated companies.

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

Thus, the present invention was created in view of the above circumstances, by generating a reverse point by multiplying the service points earned by the consumption of the service subscribers through investment, and using the future reverse points predicted in the future based on the reverse point By providing various services to the service subscribers, there is a technical purpose to provide a gift reverse point providing system and method that can maximize the benefits of the service points accumulated to the service subscribers.

1 is a system schematic diagram showing a schematic configuration of a present reverse point providing 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.

Figure 4 is a view for explaining a gift reverse point providing method according to the present invention.

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

10: service providing device, 11: network connection,

12: server, 121: service control unit,

122: database, 123: data memory,

13: operator terminal, 20: member company,

30: insurance company, 40: investment company.

The present reverse point providing system according to the first aspect of the present invention for achieving the above object, is coupled to a member company through a predetermined communication network, services a predetermined reverse point that multiplied through the investment service point of the service subscriber authorized from the member company In a reverse point providing system comprising a service providing device provided to a subscriber, the service providing device calculates a future gift reverse point based on the reverse points accumulated to the subscriber, and calculates the gift reverse point. On the basis of that, it controls the provision of financial services to the subscribers.

In addition, the present invention reverse point providing method according to the second aspect of the present invention for achieving the above object, combined with a member company through a predetermined communication network, a predetermined reverse point that multiplied through the investment of the service subscriber of the service subscriber authorized from the member company In a reverse point providing method of a reverse point providing system including a service providing device provided to a service subscriber, the service providing device calculates a gift reverse point that is expected to be accumulated in the future based on a reverse point of a service subscriber. And a reverse point calculation step, and a financial service providing step of providing a financial service to a corresponding service subscriber using the future reverse point.

That is, according to the above, the earned service points provided by the member companies are multiplied through investment to generate reverse points, and the futures reverse points calculated for the reverse points are calculated based on the financial service for the subscribers By providing the service, the subscriber can be provided with a wide range of financial services using the service point.

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

First, "reverse point" according to the present invention refers to a service point that multiplies through investment in service points accumulated from member companies by the consumption of service subscribers and returns them back to service subscribers. And the "reward (pre-product) reverse point" means a reverse point that is expected to be accumulated in the future based on the reverse point currently accumulated to the subscriber.

1 is a conceptual diagram illustrating an outline of a gift reverse point providing system according to the present invention.

As shown in Fig. 1, in the present reverse point providing system according to the present invention, the service providing apparatus 10 for controlling the service according to the present invention is a member company 20 and an insurance company through a predetermined communication network such as the Internet. Composed in combination with (30).

Here, the member company 20 is composed of a plurality of affiliated member companies such as gas stations, restaurants / food companies, distributors / shopping companies, issuing a predetermined membership card when a member of the service subscriber is registered, and the service member is a member company (20). A service point will be provided for the consumption made at. At this time, the member company 20 will deposit the point amount corresponding to the service point to the transaction account of the service providing device 10. Here, the service subscriber connects to the member company 20 through a subscriber terminal such as a personal computer, or directly visits the member company 20 and applies for membership.

In addition, the service providing apparatus 10 uses the service point of the service subscriber provided from the member company 20, that is, the investment of shares, start-up investment, real estate, futures, etc. using the point amount deposited from the member company 20 into the transaction account. And provide a service point corresponding to the investment profit, that is, a reverse point, to the service subscriber.

At this time, the service providing device 10 may be implemented to invest the accumulated service points of the service subscriber according to the investment method set by the service subscriber through the member company (20).

The service providing device 10 generates a gift reverse point that is expected to be accumulated in the future based on the current reverse point of the service subscriber, and controls the service subscriber to provide a service using the gift reverse point. In this case, the service providing device 10 may be configured to subscribe to the business loss insurance according to the present service point provided through the insurance company (30).

In addition, as shown in FIG. 1, the service providing apparatus 10 may be configured to cooperate with a predetermined investment company 40 to perform investment processing through the point amount in the investment company 40.

Meanwhile, FIG. 2 is a block diagram showing functional separation of the internal configuration 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 a member company 20 and an insurance company 30, a server 12, key input means, a monitor, and the like. It consists of a data output means of the operator terminal 13 for performing the operation control of the service providing apparatus 10 is configured.

In addition, the server 12 may include a service controller 121 for controlling the overall operation of the service providing apparatus 10, a database 122, and a data memory for temporarily storing various data processed by the service controller 121. 123 is configured.

Here, as shown in FIG. 2, the service control unit 121 performs a service for performing a general service management, such as data transmission and reception, and a data interface with an operator terminal 13 in connection with a member company 20 and an insurance company 30. Earn service points for each service subscriber authorized from the member processing unit 121a and the member information processing unit 121b for performing a predetermined membership registration process based on the member information of the service subscriber authorized from the member company 20. To generate a point pool (POOL) for the investment and calculate the future reverse point based on the reverse point, and the point amount corresponding to the point pool (from the member company to the bank account of the service providing device). Based on the amount of money deposited) to calculate the reverse points for each subscriber It is configured to include a character information processing unit (121d).

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

And the member information storage unit 122a, as shown in Figure 3, the member ID of the registered service subscriber, password, name, contact information such as E-mail, membership card number, current earning point information provided from the member company, Investment point information currently used for investment, reverse point information generated by the investment point, futures reverse point information calculated by the reverse point, and insurance subscription information such as insurance certificate number for the future reverse point are stored. The member company information storage unit 122b stores access information for each member company identification code, mutual information of member companies, contact information, bank account number, registered member ID of a service subscriber registered through this member company, and point providing information provided to service subscribers. do.

As shown in FIG. 3, the point pool information storage unit 122c stores a member ID for each point pool identification code, total service point information, investment service point information for each member, investment history information, investment profit and loss information, and the like. do.

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 present reverse point providing system having the above-described configuration will be described.

4 is a view for explaining a method for providing a gift reverse point according to the present invention.

First, the member company 20 sends predetermined registration information to the service providing apparatus 10 to perform member company registration processing (ST1). That is, the service providing apparatus 10 stores member company registration information provided from the member company 20 in the member company information storage unit 122b of the database 122 to perform member company registration processing.

On the other hand, the service subscriber is to perform a predetermined subscription process through the member company 20 to receive the service. That is, the service subscriber provides predetermined membership information to the member company 20, and the member company 20 issues a predetermined membership card for use of the member company to the subscribed service subscribers (ST2 and ST3).

At this time, the service subscriber will provide his or her personal information, such as member ID, password, contact information such as e-mail or mobile phone number when registering through the member company 20.

On the other hand, the member company 20 transmits the member registration information including the personal information and membership card number of the registered service subscriber to the service providing apparatus 10 (ST3), the service providing apparatus 10 is a member company ( 20 is registered in the member information storage unit 122a of the service subscriber authorized by the service member 122 of the database 122.

After the service subscriber consumes in the member company 20 and presents the membership card to the member company 20, the member company 20 calculates a predetermined service point corresponding to the consumption amount of the service subscriber and assigns it to the service subscriber. (ST5).

In addition, the member company 20 transmits predetermined point information including the service point information calculated in step ST5 to the service providing apparatus 10, and passes the point amount corresponding to the service point to the bank account of the service providing apparatus 10. Will be transferred to (ST6). In this case, the point information includes service point information of a service subscriber, a membership card number, a member ID, and a member company identification code information.

Here, the member company 20 is configured in connection with other member companies, and each member company calculates the service points of the service subscribers registered through the member company periodically, for example, for one week or one month, the service providing apparatus 10 Can be sent out. That is, each member company 20 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 transmits the summed service point information to the service providing device 10. .

On the other hand, the service providing device 10 is to update the accumulated point information of the member information storage unit 122a of the database 122 based on the point information authorized from the member company 20.

Subsequently, the service providing apparatus 10 generates a predetermined point pool by summing service points provided to each service subscriber from the member company 20, and the service providing apparatus 10 from the member company 20 in an amount corresponding to the point pool. The investment amount of the shares, real estate, entrepreneurship investment, etc. will be processed using the point amount deposited into the company's own bank account (ST7).

In this case, the point pool is generated when a service point of a predetermined score or more, for example, 100,000,000 or more points is generated, and the service providing apparatus 10 assigns a predetermined identification code to the point pool. Here, the service providing device 10 may perform the service points to be used for investment in units of 1000 points or 10000 points among the accumulated service points of the service subscribers. That is, the service providing apparatus 10 moves and stores the service points of a predetermined unit from the corresponding subscribers of the member information storage 122a to the investment points, and assigns the corresponding investment points to the predetermined 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, entrepreneurship investment, etc., which is based on the selection made 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 20 is selected as "stock", and using the stock. You will make an investment.

The service providing apparatus 10 calculates the reverse point for each service subscriber after the investment is completed using the point pool (ST8). In this case, the investment termination period using the point pool may be arbitrarily set by the service providing apparatus 10 or may be set when a request for the refund of the accumulated points of the service subscriber through the member company 20 is requested.

In other words, the service providing apparatus 10 calculates a reverse point for each service subscriber by dividing the investment profit using the investment-ended point pool to correspond to, for example, the investment point of the service subscriber.

In addition, the service providing device 10 calculates a reverse point, that is, a future reverse point, to be accumulated in the future based on the reverse point of the service subscriber calculated in step ST8 (ST9).

Subsequently, the service providing apparatus 10 generates predetermined risk-bearing request information for the gift reverse point of the service subscriber calculated in step ST9 and transmits it to the insurance company 30 (ST10). At this time, the risk-bearing request information includes a member ID of the service subscriber, a social security number, and gift reverse point information.

On the other hand, the insurance company 30 examines whether the loss insurance for the future reverse point on the basis of the risk burden request information of the service subscriber authorized from the service providing device 10, and then the predetermined risk burden confirmation information for the future reverse point It is sent to the service providing apparatus 10 (ST11).

In this case, when the service provider 10 receives the risk guarantee denial information about the gift reverse point for the service subscriber from the insurance company 30, the service guarantee device lowers a certain level of the gift reverse point for the service subscriber by providing a certain level of risk guarantee information. Repeat step ST10 to send to the insurance company (30).

The service providing apparatus 10 updates the member information storage 122a of the database 122 based on the gift reverse point information corresponding to the reverse point of the service subscriber.

Subsequently, the service providing apparatus 10 notifies the reverse point information and the gift reverse point information for each service subscriber calculated in steps ST8 and ST9 through the contact information of the service subscriber (ST12). In other words, the service providing device 10 provides the reverse point information and the gift reverse point information to the contact information of the service subscriber, such as an e-mail or a mobile communication terminal.

In this case, the service providing device 10 may be configured to notify the subscriber of the reverse point information and the gift reverse point information through the member company 20.

Subsequently, the service subscriber uses his / her gift reverse point to use various services, such as gift reverse point, to secure a loan or purchase a car or a house.

Meanwhile, in the above embodiment, the service providing apparatus 10 calculates the gift reverse point according to the calculation of the reverse point, but when the service subscriber requests the use of the gift reverse point, the gift reverse point is calculated for the service subscriber. It can be carried out.

For example, when a subscriber of a service wants to receive a financial loan with his reverse point as a collateral, if the reverse point is insufficient, the service providing device 10 requests the use of a gift reverse point, and accordingly the service providing device 10 Futures reverse points can be calculated and configured to provide financial loan services with collateral for these futures reverse points. At this time, the subscriber can also make a request to use the gift reverse point through the member company 20.

That is, according to the above embodiment, the service providing apparatus generates a reverse point multiplied by the service point by using the service point of the service subscriber provided by the member company for investment, and based on the reverse point, the future reverse point to be accumulated Calculate and use this futures reverse point to provide a variety of financial services to service subscribers.

Therefore, according to the above embodiment, the earned service points provided by the member companies are multiplied by the investment to generate reverse points, and the future reverse points calculated for the reverse points are calculated, and the financial services for the subscribers are calculated based on the reverse points. By providing a service, a service subscriber can use a service point to receive a wide range of financial services.

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, by creating a reverse point by multiplying the earned service point provided by the member company through investment, and calculating the future reverse point to be predicted to be accumulated in the future for this reverse point to the subscribers based on this By providing financial services for Korea, service subscribers can receive a wide range of financial services using service points.

Claims (5)

A reverse point providing system comprising a service providing device coupled to a member company through a predetermined communication network and providing a service subscriber with a predetermined reverse point that has been expanded through investment of a service subscriber of a service subscriber authorized from the member company, The service providing apparatus calculates a future reverse point that is predicted to be accumulated in the future based on the reverse point accumulated to the service subscriber, and controls to provide financial services to the service subscriber based on the future reverse point. Point providing system. The method of claim 1, The service providing device is a gift reverse point providing system, characterized in that configured to notify the subscriber of the gift reverse point information. The method of claim 1, The service subscriber is a gift reverse point providing system, characterized in that the control to calculate the gift reverse point for the service subscriber when the service subscriber requests the use of the gift reverse point. Providing a gift reverse point of a reverse point providing system, comprising a service providing device coupled to a member company through a predetermined communication network and providing a service subscriber with a predetermined reverse point in which service points of service subscribers authorized by the member company are multiplied through investment. In the method, The service providing device is a gift reverse point calculation step of calculating a future reverse point to be predicted in the future based on the reverse point of the subscriber, and And a financial service providing step of providing a financial service to a corresponding subscriber of the service using the future reverse point. The method of claim 4, wherein The service providing device is a gift reverse point providing method characterized in that it comprises a gift reverse point notification step of notifying the subscriber to the gift reverse point information calculated in the constant gift reverse point calculation step.