KR20030008669A - Management Apparatus of loyalty point using the wireless communication network, and its method - Google Patents

Abstract

PURPOSE: A device for managing a royalty point in a wireless communication network and a method for loading/collecting the royalty point using the same are provided to integrate royalty points among many businessmen or to transfer a value thereof by mounting a medium having a service authentication module in a wireless terminal and managing royalty points through the wireless terminal. CONSTITUTION: A client having a wireless terminal visits a member store, selects a wanted commodity, and pays a price thereof. The client requests a payment in accordance with an accumulation of royalty points corresponded to a payment(401). An off-line member store server transmits payment information for accumulating royalty points(402). A royalty point managing device received the payment information checks the transaction(403) and judges a possibility of a payment approval in accordance with an accumulation(404). If a payment approval for accumulating royalty points is possible, a royalty point accumulation approval is requested to a service supplying company server(408). The service supplying company server performs a point usage limit and a transaction inspection(409), and transmits the approval result to the royalty point managing device(410). The royalty point managing device transmits a result message to the off-line member store server(411), and the off-line member store server transmits a message receiving confirmation to the royalty point managing device(412.413). The royalty point managing device transmits payment details of the royalty point to the service supplying company server(414). The service supplying company server supplies a confirmation signal to the royalty point managing device(415,416). The royalty point managing device records transaction details of the royalty point(417) and stores a client royalty point(418).

Description

Management Apparatus of loyalty point using the wireless loyalty point and the method of using loyalty point using the wireless communication network, and its method}

The present invention relates to a loyalty point operating apparatus in a wireless communication network, a method of mounting / establishing and using a loyalty point using the same, and a computer-readable recording medium having recorded thereon a program for implementing the methods.

In general, many companies currently operate customer rebate schemes to maintain existing customer loyalty and attract new customers. Here, the customer free system means to earn a certain percentage of loyalty points for the service use and product purchase amount, and when the accumulated loyalty points exceed the standard amount, the corresponding customer is entitled to use the corresponding service and product purchase. Therefore, the customer who has reached the right to use the service and purchase the product can purchase the service or product presented by the company with the accumulated loyalty points.

However, in providing the conventional customer gratitude system as described above, each business operator issues a loyalty card to their members, which indicates that a member is a member, that is, each business operator issues a separate loyalty card. It is inconvenient to possess and manage the card, and due to the characteristics of the loyalty card, it is relatively less sensitive to security management, causing frequent loss and damage of customers, thereby increasing the cost of issuance.

The present invention has been proposed to solve the above problems, and includes a medium (IC chip, etc.) having a service authentication module (service application that can identify / identify members) for operating loyalty points in a wireless terminal. And loyalty points in wireless communication networks that enable customers to eliminate the inconvenience of management and possessions, and to integrate loyalty points or transfer values among multiple operators by using a wireless terminal equipped with media when operating loyalty points. It is an object of the present invention to provide a computer-readable recording medium recording an operating device, a loyalty point using / loading and using the same, and a program for realizing the methods.

1 is an exemplary configuration diagram of a loyalty point operating system to which the present invention is applied.

Figure 2 is a configuration diagram of an embodiment of a loyalty point operating device in a wireless communication network according to the present invention.

3 is a flowchart illustrating a method for installing a loyalty point application using a loyalty point operating device in a wireless communication network according to the present invention.

4 is a flow chart of an embodiment of a method of earning a loyalty point using a loyalty point operating device in a wireless communication network according to the present invention.

5 is a flowchart illustrating a method of using a loyalty point using a loyalty point operating device in a wireless communication network according to the present invention.

* Explanation of symbols for the main parts of the drawings

100: wireless terminal 120: loyalty point operating device

130: service provider server 140: additional information communication network (VAN)

150: offline merchant server 160: wireless communication network

170: Wireless Internet Merchant Server

The apparatus of the present invention for achieving the above object, in the loyalty point operating apparatus in a wireless communication network, in connection with the additional information communication network, loyalty points earned from a wireless terminal equipped with a medium equipped with a loyalty point service authentication module and Additional information communication network access means for receiving the use request information through the affiliated store and delivering the loyalty point transaction information to the affiliated store; Wireless communication network access means connected with the wireless communication network to receive royalty application download request information from a wireless terminal equipped with a medium including the royalty point service authentication module, and to transmit royalty application download information to the wireless terminal; Authenticate the loyalty point earning request information and the use request information from the additional information network access means, encrypt the transaction information for the royalty points, and transmit the encrypted information to the additional information network access means, and the loyalty application from the wireless network access means. Security management means for authenticating download request information and encrypting the information according to the royalty application download to the wireless communication network access means; Generating approval request information of the member based on the loyalty point earning request information and use request information and royalty application download request information authenticated by the security management means, and delivering the result information according to the approval request to the security management means. Loyalty point main processing means for; Service provider access processing means for delivering the approval request information from the loyalty point main processing means to the service provider to which the member is subscribed, and delivering the result information from the service provider to the loyalty point main processing means; And loyalty point transaction history management means for managing transaction details according to the loyalty points in association with the loyalty point main processing means.

On the other hand, the method of the present invention, in the method of installing a loyalty point application applied to the loyalty point operating apparatus in a wireless communication network, receiving a loyalty application download request from a wireless terminal equipped with a medium equipped with a loyalty point service authentication module A first step of confirming that the member and the issued medium of the wireless terminal are normal; A second step of receiving a customer's identification number by transmitting a service request history to a service provider; A third step of generating an application using the received customer identification number and download application request information, encrypting the application, and transmitting the encrypted application to the wireless terminal; And a fourth step of receiving the installation installation confirmation from the wireless terminal, updating the member application ledger, and transmitting the update result to the wireless terminal and the service provider.

In addition, another method of the present invention, a loyalty point earning method applied to the loyalty point operating apparatus in a wireless communication network, the method comprising: a first step of registering a loyalty point service authentication module for loyalty points in a medium of a wireless terminal; A second step of receiving and authenticating the loyalty point earning request information from the wireless terminal from an affiliated store; A third step of generating, according to the authentication result of the second step, the loyalty point earning approval request information of the member with respect to the authenticated loyalty point earning request information, and transferring the member to the service provider to which the member is registered; And a fourth step of encrypting the loyalty point earning approval information from the service provider and transmitting it to the affiliated store, accumulating loyalty points based on the accumulated payment details.

Further, another method of the present invention is a method of using a loyalty point applied to a loyalty point operating apparatus in a wireless communication network, the method comprising: registering a loyalty point service authentication module for a loyalty point use service on a medium of a wireless terminal; step; A second step of receiving and authenticating loyalty point use request information from the wireless terminal from an affiliated store; A third step of confirming that, according to the authentication result of the second step, the loyalty points for the authenticated loyalty point use request information have accumulated in a range usable as a transaction cost; And a fourth step of encrypting the loyalty point use approval information accumulated in the usable range and transmitting the encrypted loyalty point use approval information to the affiliated store, and subtracting and storing the loyalty point based on the accumulated payment details. It features.

On the other hand, the present invention, in order to install a loyalty point application, a loyalty point operating device having a processor, receives a loyalty application download application from a wireless terminal equipped with a medium having a loyalty point service authentication module, A first function of confirming that the member and the issued medium are normal; A second function of receiving a customer's identification number by transmitting a service application history to a service provider; A third function of generating and encrypting an application using the received customer identification number and download application request information and transmitting the encrypted application to the wireless terminal; And a computer-readable recording program for realizing a fourth function of receiving the installation installation from the wireless terminal, updating the member application ledger, and delivering the update result to the wireless terminal and the service provider. Provide the medium.

In addition, the present invention, the first function for registering a loyalty point service authentication module for loyalty points in the medium of the wireless terminal, in the loyalty point operating apparatus having a processor to earn loyalty points; A second function of receiving and authenticating loyalty point earning request information from the wireless terminal from an affiliated store; A third function of generating the loyalty point earning approval request information of the member with respect to the authenticated loyalty point earning request information according to the authentication result of the second function, and transmitting the generated loyalty point approval request information to the service provider to which the member is registered; And encrypting the loyalty point earning approval information from the service provider and transmitting it to the affiliated store, and a fourth function of accumulating and storing loyalty points based on the accumulated payment details. Provide the medium.

The present invention also provides a first function for registering a royalty point service authentication module for a royalty point use service in a medium of a wireless terminal in a royalty point operating apparatus having a processor in order to use the loyalty point; A second function of receiving and authenticating royalty point use request information from the wireless terminal from an affiliated store; A third function of confirming that the loyalty points for the authenticated loyalty point use request information have accumulated in a range usable as a transaction cost according to the authentication result of the second function; According to a result of the verification of the third function, to realize the fourth function of encrypting the loyalty point use approval information accumulated in the usable range and transmitting it to the affiliated store, and subtracting and storing the loyalty points based on the accumulated payment details. A computer readable recording medium having recorded a program is provided.

The present invention provides the possibility of duplication and theft by using a medium (IC chip, etc.) equipped with a loyalty point authentication module (a service (royalty) application that can identify / confirm a member) in a wireless terminal to confirm customer's need for loyalty point operation. Was minimized.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is an exemplary configuration diagram of a loyalty point operating system to which the present invention is applied.

As shown in FIG. 1, the configuration includes a wireless terminal 100, a loyalty point operating device 120, a service provider server 130, an additional information communication network 140, an offline merchant server 150, and a wireless Internet affiliate store server. And 170.

The wireless terminal 100 and the loyalty point operating device 120 are connected through a wireless communication network 160, and the wireless terminal 100 and the offline affiliated store 150 are connected through a short range wireless communication network, and the service provider The server 130 and the loyalty point operating device 120 are connected by a dedicated communication line.

In addition, the wireless terminal 100 is provided with a medium (IC chip, etc.) having an authentication module (service (royalty) application for identifying / confirming a member) for a loyalty point service. In addition, the wireless terminal 100 is connected to the offline merchant server 150 through a short-range wireless communication network, the loyalty point operating device 120 is connected to the offline merchant server 150 and wireless Internet through the additional information communication network 140. It is connected to the merchant server 170 in communication.

Here, the short range wireless communication network may be a synchronous / asynchronous short range wireless network such as a wireless data network, a mobile communication network, a personal mobile communication network (PCS), and a next generation mobile communication network (IMT-2000). In addition, the wireless terminal 100 may be a mobile communication terminal such as a cellular phone or a personal communication system (PCS) phone, a next generation mobile communication terminal such as an International Mobile Telecommunication Service (IMT-2000), or the like. The medium (IC chip, etc.) is provided with an authentication module (service (royalty) application for identifying / confirming a member) necessary for a loyalty point service.

First, in order to receive a loyalty point service through the wireless terminal 100, a user first joins a loyalty point operating device and becomes a member, and then authenticates a loyalty point service to his or her wireless terminal 100. Install a medium (IC chip, etc.) with a service (royalty) application that can be identified / verified, become a member of a service provider who wants to receive loyalty point services, and place the royalty application of the service provider server 130 on the medium. You must first download it.

Now, a process of registering a service authentication module required for a loyalty point service on a medium (IC chip, etc.) mounted in the wireless terminal 100 will be described in detail.

First, as a prerequisite, the operator of the loyalty point operating device 120 distributes a medium (IC chip, etc.) equipped with a service authentication module (a service (royalty) application capable of identifying / confirming a member), and the medium is a wireless communication company. Suppose it is located at a branch / agent.

Therefore, when a user (customer) of a wireless communication terminal visits a wireless carrier branch / distributor and fills out a member registration application form, the wireless carrier branch / distributor inputs registration application information through the terminal (PC, etc.) to the member management system. send. Accordingly, the member management system registers as a member and transmits a member registration confirmation message to the corresponding wireless terminal (MS) 100.

Next, the medium is mounted on the wireless terminal at the wireless carrier point / agent. Subsequently, when a service opening application message is written to the wireless terminal 100 at the wireless carrier branch / agent and transmitted to the member management system, the member management system generates issuance information and application programs generated by the application customer and Download the application to the medium in the wireless terminal (100).

Next, the wireless carrier point / agency pays the customer the wireless terminal 100 with the issued information and the medium in which the application is downloaded to the customer, and when the customer receives it, register the service authentication module for the loyalty point service The procedure is complete.

The customer possesses a wireless terminal 100 equipped with a medium (IC chip, etc.) equipped with a service authentication module (service (royalty) application for identifying / confirming a member) required for loyalty point service, and an offline merchant and a wireless Internet merchant. Visit to pay for the goods and services, and can charge the royalties according to the cost through their wireless terminal (100).

2 is a configuration diagram of an embodiment of a loyalty point operating apparatus using a wireless communication network according to the present invention.

As shown in FIG. 2, the royalty management apparatus includes a wireless communication network access processor 121, an additional information network access processor 127, a security manager 122, a royalty main processor 123, a change record manager 124, and a customer. A possession media ledger database 125, a royalty pointer management unit 128, a royalty point account database 129, an additional information communication network connection processing unit 127, and a service provider connection processing unit 126 are included.

The wireless network connection processing unit 121 processes the connection of the wireless terminal 100 connected through the wireless communication network 160 and provides the security management unit 122 with a request for downloading the royalty application on the wireless terminal 100. The additional information communication network access processing unit 127 processes a connection between an affiliated store server that is connected through the additional information communication network 140, that is, the offline affiliated server 150 and the wireless Internet affiliate server 170, and receives a loyalty point of the user inputted. The request information and the loyalty point use request information are transmitted to the security manager 122.

The security manager 122 checks whether the request is a legitimate request by a user registered as a member of the loyalty application download request transmitted through the wireless communication network access processing unit 121, and if the request is a normal request, the loyalty main processing unit ( 123).

The royalty main processing unit 123 transmits the received application download request details to the service provider server 130 through the service provider connection processing unit 126. Then, the service provider server 130 provides an identification number of the user who made the application download request, that is, the customer, to the royalty main processing unit 123 through the service provider connection processing unit 126. Therefore, the loyalty main processor 123 generates a loyalty application requested by the customer using the unique customer identification number and the application download request information transmitted from the security manager 122 and transmits it to the security manager 122.

The security manager 122 encrypts the generated royalty application information, that is, media information, and transmits the encrypted royalty application information to the wireless terminal 100 through the wireless communication network access processing unit 121. In this case, the encryption in the security management unit 122 uses an algorithm and a mechanism that can be decrypted by a medium pre-installed in the wireless terminal 100.

On the other hand, when the wireless terminal 100 completes the installation of the royalty application, the installation result information is received by the royalty main processing unit 123 via the wireless communication network connection processing unit 121 and the security management unit 122. In this case, the royalty-main processing unit 123 transmits the installation result information to the change recording management unit 124, and the change recording management unit 124 updates the media ledger previously stored in the customer-owned media ledger database 125.

In addition, the security manager 122 checks whether the request is a legitimate request by the user registered as a member for the loyalty point earning request information and the loyalty point use request information received through the additional information communication network access processing unit 127, and the normal request date. In this case, the loyalty point earning request information and the loyalty point use request information are transmitted to the loyalty main processing unit 123.

At this time, the loyalty main processing unit 123 classifies and processes the received loyalty point earning request information and loyalty point use request information, that is, in the case of loyalty pointer earning request information about the earning, through the service provider access processing unit 126. The service provider server 130 transmits the request for approval.

In addition, the royalty-based processing unit 123 receives the approval review result from the service provider server 130 through the service provider connection processing unit 126, and if the transaction is rejected based on the approval review result, the transaction rejection message, If the transaction is approved, the transaction approval message is transmitted to the security manager 122.

The security manager 122 encrypts the transaction approval message or the transaction rejection message from the royalty main processing unit 123 and requests the loyalty point earning through the additional information communication network access processing unit 127 or the wireless internet merchant. Transfer to server 170.

In addition, the loyalty main processing unit 123 transfers the accumulated information to the loyalty point management unit 128 when loyalty point accumulation of the wireless terminal 100 is completed. Therefore, the loyalty point management unit 128 accumulates and stores points in the loyalty point account database 129 of the customer previously stored by the accumulated information.

On the other hand, the royalty main processing unit 123 transmits a request for approval to the service provider server 130 through the service provider connection processing unit 126 in the case of a royalty point use request. In addition, the royalty-based processing unit 123 receives the approval examination result from the service provider server 130 through the service provider connection processing unit 126, and if the transaction is rejected based on the approval examination result, the transaction rejection message, If the transaction is approved, the transaction approval message is transmitted to the security manager 122.

The security manager 122 encrypts the transaction approval message or the transaction rejection message from the royalty main processing unit 123 and requests the use of the loyalty point through the additional information communication network access processing unit 127, or the wireless internet merchant. Transfer to server 170.

In addition, when the royalty point usage of the wireless terminal 100 is completed, the royalty-main processing unit 123 transfers the used point information to the royalty-point management unit 128. Accordingly, the loyalty point manager 128 updates and stores points in the loyalty point account database 129 of the customer previously stored by the used loyalty information.

3 is a flowchart illustrating a method of installing a loyalty point application using a loyalty point operating apparatus in a wireless communication network according to the present invention.

First, a user joins a member management system and becomes a member, and then has a medium (IC chip, etc.) having an authentication module (a service (royalty) application for identifying / confirming a member) for royalty services in his wireless terminal 100. ), And becomes a member of a service provider who wants to receive royalty services, and then applies for royalty application downloads to a royalty operating device (301). Then, the loyalty point operating device 130 receives the application download request from the wireless terminal 100, and determines whether the user of the terminal, that is, the member of the customer and whether the normal issuing medium (302).

As a result of the determination in step 302, if the user of the requested wireless terminal 100 is a member and is a normal medium, the service provider server 130 sends the service application information of the wireless terminal 100 to inquire whether the service is available. (303).

In this case, the service provider server 130 checks whether the service is available from the loyalty point operating device 120, and provides the loyalty point operating device 120 again with the availability of the service.

Therefore, the loyalty point operating apparatus 120 determines whether the service is available based on information provided from the service provider server 130 (305).

In this case, if the service is not available or the customer is not registered as a member or the issued medium is not normal in the process (302, 305), the process of skipping the royalty application creation process and transmitting a message for the operation. Proceed to 311.

On the other hand, if it is determined in step 305 that the service is available, the customer creates a loyalty application requested, and downloads to the wireless terminal 100 (306,307). Then, the wireless terminal 100 installs a royalty application downloaded from the loyalty point operating apparatus 120 and transmits the installation result to the loyalty point operating apparatus 120 (308 and 309). Accordingly, the loyalty point operating apparatus 120 receives the installation result, updates and stores the application ledger of the member, and transmits the updated work result to the service provider server 130 and the wireless terminal 100 as a message, respectively ( 310,311).

Therefore, the service provider server 130 receives the operation result message to confirm service registration (312), and the wireless terminal 100 also finally confirms the application installation through the message confirmation (313).

4 is a flowchart illustrating an example of a method for accumulating loyalty points using a loyalty point operating apparatus in a wireless communication network according to the present invention.

As shown in FIG. 4, a customer with a wireless terminal visits a member store and selects a service and a product he / she wants and pays for. Then, the payment request for loyalty point corresponding to the payment is requested (401). Then, the offline affiliated server 150 is connected to the loyalty point operating device 120 and the additional information communication network 140 and transmits payment information for accumulating loyalty points requested by the customer (402).

Here, the affiliated store may receive a payment request directly through the wireless terminal 100 and the local area wireless communication network, or may receive a payment request through the wireless communication network 160, but in order to avoid redundant description, the offline merchant server 150 ) Will be described only for the operation.

That is, the loyalty point operating device 120 that receives the payment information transmitted from the offline merchant server 150 checks the validity of the member verification and transaction based on the payment information (403), and whether the payment approval is possible according to the accumulation. Determine (404).

As a result of the determination in the process 404, if the approval for the payment is not possible, the approval rejection message is transmitted to the offline merchant server 150 (405). Therefore, the offline merchant server 150 receiving the approval rejection message notifies the wireless terminal 100 of the details of the payment failure, so that the customer possessing the wireless terminal 100 finally requests the loyalty points earned by the applicant. It can be confirmed that this is impossible (406, 407).

On the other hand, as a result of the determination in step 404, if the payment approval for earning the loyalty point is possible, the service provider server 130 requests the approval based on the loyalty point accumulation (408).

Accordingly, the service provider server 130 performs a usage limit and transaction examination of the point according to the approval request (409), and transmits the result of the approval to the loyalty point operating device 120 (410).

Then, when the loyalty point operating device 120 receives the approval result and transmits the message according to the result to the offline merchant server 150 (411), the offline merchant server 150 receiving the message receives the message. Confirmation is sent to royalty operating device 120 (412,413).

Accordingly, after receiving the message reception confirmation from the offline merchant server 150, the loyalty point operating device 120 transmits the payment details of the loyalty point to the service provider server 130 (414). In addition, the service provider server 130 receives payment details and provides a confirmation signal according to the reception to the loyalty point operating device 120 (415 and 416). Then, the loyalty point operating apparatus 120 that receives this records the transaction details of the loyalty point (417) and stores and stores the customer loyalty points (418).

On the other hand, it is possible to purchase goods or receive services using the accumulated points as follows, the operation will be described in detail with reference to FIG.

5 is a flowchart illustrating a method of using a loyalty point using a loyalty point operating apparatus in a wireless communication network according to the present invention.

First, a customer who has a wireless terminal that has earned loyalty points as required by a service user by purchasing goods for a certain period of time requests a use request of the loyalty points to the offline merchant server 150 (501). Accordingly, the offline merchant server 150 is connected to the royalty management device 120 and the additional information communication network 140, and transmits payment information to the loyalty point requested by the customer (502).

That is, the loyalty point operating device 120 receiving payment information for the points transmitted from the offline affiliated store server 150 checks the validity of membership verification and transaction based on the payment information (503), It is determined whether approval of the payment is possible (504).

As a result of the determination in step 504, if the approval of the payment is not possible using the points, the approval rejection message is transmitted to the offline merchant server 150 (505), and the offline merchant server 150 receiving the approval rejection message is received. By notifying the wireless terminal 100 of the details of the payment failure, the customer having the wireless terminal 100 can confirm that payment request to the point that he / she finally applied is impossible (506, 507).

On the other hand, as a result of the determination in step 504, if the approval is possible, the pre-stored loyalty point account is inquired to determine whether payment to the loyalty point is possible (508, 509).

That is, it is determined whether the loyalty points of the customer who requested the payment are accumulated as required by the service provider. If the determination is possible in the process 509, when payment is possible using the loyalty points, the corresponding processing result message is sent to the offline merchant server 150. (510). Therefore, the offline merchant server 150 receives the processing result message and transmits the reception confirmation message to the loyalty point operating device 120 again (511,512).

Here, when the loyalty point operating apparatus 120 transmits the payment details by the loyalty points to the service provider server 130 after receiving the confirmation message (513), the service provider server 130 after receiving the payment details The acknowledgment of receipt of the payment details is transmitted to the loyalty point operating device 120 (514, 515).

Accordingly, the loyalty point operating device 120 confirming receipt of the transaction details records the payment details according to the loyalty points and stores the loyalty points paid as expenses in the loyalty point account of the pre-stored customer after deducting them (516 and 517).

On the other hand, if the determination in the process 509, it is impossible to pay with the loyalty point, the process proceeds to the approval rejection message transmission process (505).

The method of the present invention as described above may be implemented as a program and stored in a computer-readable recording medium (CD-ROM, RAM, ROM, floppy disk, hard disk, magneto-optical disk, etc.).

The present invention described above is not limited to the above-described embodiments and the accompanying drawings, and various substitutions, modifications, and changes are possible in the art without departing from the technical spirit of the present invention. It will be apparent to those of ordinary knowledge.

As described above, the present invention utilizes a medium (IC chip, etc.) equipped with a loyalty point service authentication module (a service (royalty) application that can identify / confirm a member) in a wireless terminal for membership confirmation necessary for providing loyalty point services. By doing so, there is an effect that can minimize the possibility of replication and theft.

In addition, the present invention has an effect that can greatly increase the flexibility of the loyalty point service by building a technical and environmental foundation that can integrate or transfer the value of loyalty points between multiple operators.

Claims (12)

In the loyalty point operating device in a wireless communication network, Additional information communication network for receiving loyalty point earning and use request information from a wireless terminal equipped with a loyalty point service authentication module through affiliated stores in connection with the additional information communication network, and delivering royalty point transaction information to the affiliated stores. Connection means; Wireless communication network access means connected with the wireless communication network to receive royalty application download request information from a wireless terminal equipped with a medium including the loyalty point service authentication module, and transmit royalty application download information to the wireless terminal; Authenticate the loyalty point earning request information and the use request information from the additional information network access means, encrypt the transaction information for the royalty points, and transmit the encrypted information to the additional information network access means, and the loyalty application from the wireless network access means. Security management means for authenticating download request information and encrypting the information according to the royalty application download to the wireless communication network access means; Generating approval request information of the member based on the loyalty point earning request information and use request information and royalty application download request information authenticated by the security management means, and delivering the result information according to the approval request to the security management means. Loyalty point main processing means for; Service provider access processing means for delivering the approval request information from the loyalty point main processing means to the service provider to which the member is subscribed, and delivering the result information from the service provider to the loyalty point main processing means; And Loyalty point transaction history management means associated with the loyalty point main processing means for managing transaction details according to loyalty points Loyalty point operating device in a wireless communication network comprising a. The method of claim 1, The loyalty point transaction history management means, A change record management unit for updating the information in the customer possession media ledger database based on the installation result information of the download application delivered from the royalty main processing means; And A loyalty point management unit for accumulating and subtracting points previously stored in the loyalty point account database based on the loyalty pointer information transmitted from the loyalty main processing means. Loyalty point operating device in a wireless communication network comprising a. The method according to claim 1 or 2, The loyalty point service authentication module, A loyalty point operating device in a wireless communication network, characterized in that a service (royalty) application module that can identify / identify members who want to receive loyalty point services. In the method of mounting a loyalty point application applied to a loyalty point operating device in a wireless communication network, A first step of receiving a royalty application download request from a wireless terminal equipped with a loyalty point service authentication module and confirming that the member and issued medium of the wireless terminal are normal; A second step of receiving a customer's identification number by transmitting a service request history to a service provider; A third step of generating an application using the received customer identification number and download application request information, encrypting the application, and transmitting the encrypted application to the wireless terminal; And A fourth step of receiving an installation installation confirmation from the wireless terminal, updating a member application ledger, and delivering the update result to the wireless terminal and the service provider; Top method of loyalty point application comprising a. The method of claim 4, wherein The encryption process in the third step, Using an algorithm and a mechanism that can be decoded by a medium in the wireless terminal. In the loyalty point earning method applied to the loyalty point operating device in a wireless communication network, A first step of registering a loyalty point service authentication module for loyalty points in a medium of a wireless terminal; A second step of receiving and authenticating the loyalty point earning request information from the wireless terminal from an affiliated store; A third step of generating, according to the authentication result of the second step, the loyalty point earning approval request information of the member with respect to the authenticated loyalty point earning request information, and transferring the member to the service provider to which the member is registered; And A fourth step of encrypting the loyalty point earning approval information from the service provider and transmitting it to the affiliated store, accumulating and storing loyalty points based on the accumulated payment details; How to earn loyalty points, including. The method of claim 6, The encryption process in the fourth step, A method of earning a loyalty point application, characterized by using algorithms and mechanisms that can be decrypted by the medium in the wireless terminal. In the method of using a loyalty point applied to a loyalty point operating device in a wireless communication network, Registering a loyalty point service authentication module for a loyalty point use service on a medium of a wireless terminal; A second step of receiving and authenticating loyalty point use request information from the wireless terminal from an affiliated store; A third step of confirming that, according to the authentication result of the second step, the loyalty points for the authenticated loyalty point use request information have accumulated in a range usable as a transaction cost; A fourth step of encrypting the loyalty point use approval information accumulated in the usable range according to the verification result of the third step and transmitting the encrypted loyalty point use approval information to the affiliated store and deducting and storing the loyalty point based on the accumulated payment details; How to use the loyalty points including. The method of claim 8, The loyalty point service authentication module, How to use the loyalty point, characterized in that the service (Loyalty) application module that can identify / confirm the member to receive the service of the loyalty point. In order to install a loyalty point application, a loyalty point operating device having a processor, A first function of receiving a royalty application download request from a wireless terminal equipped with a loyalty point service authentication module and confirming that the member and issued medium of the wireless terminal are normal; A second function of receiving a customer's identification number by transmitting a service application history to a service provider; A third function of generating and encrypting an application using the received customer identification number and download application request information and transmitting the encrypted application to the wireless terminal; And A fourth function of receiving an installation installation confirmation from the wireless terminal, updating a member application ledger, and transmitting the update result to the wireless terminal and the service provider; A computer-readable recording medium having recorded thereon a program for realizing this. In order to earn Loyalty Points, a Loyalty Points Management Unit equipped with a processor, A first function of registering a loyalty point service authentication module for loyalty points in a medium of a wireless terminal; A second function of receiving and authenticating loyalty point earning request information from the wireless terminal from an affiliated store; A third function of generating, based on the authentication result of the second function, loyalty point earning approval request information of the member with respect to the authenticated loyalty point earning request information, and delivering the member to the service provider to which the member is registered; And A fourth function of encrypting the loyalty point accumulation approval information from the service provider and transmitting the encrypted loyalty point accumulation information to the affiliated store and accumulating and storing loyalty points based on the accumulated payment details; A computer-readable recording medium having recorded thereon a program for realizing this. In order to use loyalty points, a loyalty point operating device having a processor, A first function of registering a loyalty point service authentication module for a loyalty point use service on a medium of a wireless terminal; A second function of receiving and authenticating royalty point use request information from the wireless terminal from an affiliated store; A third function of confirming that the loyalty points for the authenticated loyalty point use request information have accumulated in a range usable as a transaction cost according to the authentication result of the second function; A fourth function of encrypting the loyalty point use approval information accumulated in the usable range according to the verification result of the third function and transmitting the encrypted loyalty point use permission information to the affiliated store, and subtracting and storing the loyalty point based on the accumulated payment details; A computer-readable recording medium having recorded thereon a program for realizing this.