KR20030044783A - Credit card system utilizing a method for the benefit of third party and sub means therefor - Google Patents

Abstract

PURPOSE: A system and method for credit payment capable of giving mileage to a third person is provided to enable a user to supply accumulated mileage to the third person and to enable the third person to use a service in a member store or the Internet using the received mileage. CONSTITUTION: A user(112) inputs personal information and designates a receiver(114). A card company device(120) issues a card to the user(112) and the receiver(114) who receives a mileage. If the user(112) uses the card for paying a service fee or commodity price, a member store device(110) or an Internet/specific member store device(118) supplies a service or a commodity for the user(112) and charges a service fee or a commodity price to the card company device(120). The card company device(120) pays the service fee or the commodity price to the member store device(110) or the Internet/specific member store device(118). The card company device(120) charges the service fee or the commodity price to the user(112). The user(112) pays the service fee or the commodity price to the card company device(120). A member store device(110) supplies a service or a commodity of the user(112) or the receiver(114) who uses a mileage. The member store device(110) charges a service fee or a commodity price and a price corresponding to a mileage used by the receiver(114) to the card company device(120). The card company device(120) pays the service fee or the commodity price and the price corresponding to the mileage used by the receiver(114). The card company device(120) charges the service fee or the commodity price to the user(112). The user(112) pays the service fee or the commodity price charged by the card company device(120).

Description

CREDIT CARD SYSTEM UTILIZING A METHOD FOR THE BENEFIT OF THIRD PARTY AND SUB MEANS THEREFOR}

The present invention relates to a marketing technology that utilizes various types of credit cards or cash cards (hereinafter referred to as credit settlement means) to allow a subscriber to receive any goods or services through the issued card. In the contract of using the credit settlement method, a beneficiary is selected to accumulate the mileage according to his / her card usage performance, and the beneficiary relates to the marketing system and method using the mileage accumulated by the user.

In a conventional credit card service, the card company selects persons with certain qualifications and issues a limited credit card. The credit card issued in this way is used by the user as a means of payment of service use and goods costs at the merchant of the card. The card company deducts a certain amount of fee from the card merchant, prepays the service fee or the purchase price of the item, and then bills the user again. However, with the advent of new cards that provide various services, competition among card companies has become fierce. Accordingly, card companies try to provide better services to users. The representative service is to give a certain rate of mileage according to the user's card use performance, and apply the service that returns various prizes and prizes to the user according to the mileage to the customer management level.

However, the service using the mileage is limited only to the user, and the user's dissatisfaction has appeared due to the failure to provide prizes and products using the appropriate mileage. In addition, there is a problem in accounting, such as the card company has to perform additional work for the management and processing of unused mileage.

The present invention also introduces a scheme that allows a credit card applicant to benefit from a third party designated by the credit card applicant, and recognizes a third party's name recognition function card to a third party designated by the credit card applicant. , Issue a check card or a credit card with a certain limit or less, and when the credit card applicant starts using the credit card issued by the credit card, the benefits granted to the card issued to the third party will be initiated to activate the credit card. It provides a new sales method that introduces a new system with the added ability to do so.

Currently, credit card companies provide various additional functions to credit card issuing applicants in addition to the unique function of credit card to activate card issuance, but additional functions already provided due to the excessive competition of each card company As a matter of fact, by providing benefits to third parties who receive accessory means in accordance with the present invention, differentiated services are possible, and credit card users and third parties benefiting from accessory means are differentiated by age. Discriminatory business activities, such as in the case of a child of an accessory means (for example).

In a conventional credit card service, the card company selects persons who have a certain qualification and issues a limited credit card. The credit card issued by the user is used as a means of using the service and paying for the goods at the merchant of the card. . The card company deducts a certain amount of fee from the card merchant, prepays the service fee or the purchase price of the item, and then bills the user again. However, with the advent of new cards that provide a variety of services, competition among card companies has become fierce. Accordingly, card companies provide a variety of services to users to secure a large number of users, and encourage users to use them. There is a strong need to find a way.

Accordingly, an object of the present invention is to provide a marketing system and method using credit settlement means for providing a mileage credited to a user to a third party.

Another object of the present invention is to provide a marketing system and method using a credit settlement means for allowing a beneficiary to use the service at a merchant or the Internet and a specific merchant using mileage granted from any provider.

Another object of the present invention is to increase the loyalty of the card use while satisfying both the user and the beneficiaries who receive the mileage from the user, the card company marketing system using a credit settlement means for processing unused mileage And it provides a method.

It is another object of the present invention to provide a third party with a third party who is designated by the credit card applicant when the credit card applicant is issued, or by a credit card user who is using a credit card. Aims to secure more credit card users by introducing a new method of issuing or linking a third-party recognition card, check card, credit card or payment mobile phone with a certain amount of payment limit or usage limit. have.

Another object of the present invention is to introduce a credit card system with a new function, such that the benefits granted to a card issued to a third party are started when certain criteria are met, such as the use of a credit card issued by a credit card applicant. The purpose is to.

Another object of the present invention is to use the credit card by stopping the benefits granted to the third party if a certain standard, such as not using the credit card issued by the credit card applicant is not used for a certain period of time. It is to be activated.

In order to achieve the above object, the present invention allows a card user to set a beneficiary who receives a mileage that is accumulated according to personal information input and use of a card at the time of card application. At this time, if the user does not set a beneficiary, registration is performed according to a general card application. On the other hand, when the user sets a beneficiary, the beneficiary is registered as a beneficiary who receives the mileage of the user. Here, after receiving the user's personal information and beneficiary information from the card approval server in the card company's device, the card is approved, and the information is provided to the member and merchant DB processing server for management. Grant to beneficiaries.

In addition, the present invention provides the mileage used by the user to the beneficiary, so that the beneficiary can use the provided mileage to purchase goods and use various services on the Internet and certain merchants.

In addition, the present invention, even if a small amount of mileage by searching in the member DB to check a specific day or anniversary to search for a prize or a product that matches the mileage in the mileage management server, the user or beneficiary by sending the gift or prize as a gift to the user's satisfaction Increase the loyalty of the card, and exhaust the unused mileage of the card company's device.

In addition, to achieve another object of the present invention, when a credit card applicant applies for a credit card, the credit card applicant can designate a third party. When issuing a credit card, the third party will issue or link a recognition function card, a check card, a credit card or a payment mobile phone with a limited amount or a limited amount of use, which is a third party's name. Or designate a third party for which existing credit card users will benefit. In the case of an issued credit card or an existing credit card, the benefits granted to the card issued to the third party are started when the specified criteria are met, such as starting to use after the third party registration. If a certain standard is met, such as not using the credit card for a certain period of time after starting the received credit card, the benefit granted to the third party is stopped, thereby activating the use of the credit card.

1 is an overall block diagram of a marketing system using a credit settlement means according to an embodiment of the present invention;

2 is a flowchart of a subscriber registration processing operation in a card company apparatus according to an embodiment of the present invention;

3 is a flowchart of an issuance processing operation for each type of beneficiary card in the card company device according to the embodiment of the present invention;

4 is a flowchart of a mileage accumulation processing operation in a card company device according to an embodiment of the present invention;

5 is a flowchart of a mileage usage processing operation in a card company apparatus according to an embodiment of the present invention;

6 is a flowchart of a beneficiary anniversary processing operation in a card company device according to an embodiment of the present invention;

7 is an overall flowchart illustrating the use of credit settlement means and its associated means in accordance with another embodiment of the present invention;

8A and 8B are flowcharts illustrating an operation of indicating a start of a benefit function for a third party and a stop of a benefit function when the card is not used for a certain period of time after the start of card use according to another embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description, specific details such as specific components are shown, which are provided to help a more general understanding of the present invention, and it is understood that these specific details may be changed or changed within the scope of the present invention. It is self-evident to those of ordinary knowledge in Esau.

1 is a block diagram of an entire marketing system using a credit settlement means according to an embodiment of the present invention. In the marketing system according to an embodiment of the present invention as shown in FIG. 1, the user 112 or the beneficiary (centered on the card company device 120, the merchant device 110, the Internet and the specific merchant device 118) An overall configuration is disclosed in which 114 is served using a card and a mileage beneficiary card.

Referring to FIG. 1, the card company apparatus 120 is largely a system management unit 122, a customer relationship management (hereinafter referred to as CRM) unit 124, a card approval server 126, a member and Merchant DB processing server 128, the accident processing server 130 and the mileage management server 132. It is composed of a merchant device 110, the Internet and a specific merchant 118, the user 112, the beneficiary 114.

The card company device 120 receives the user's personal information and the beneficiary designation and issues the card to the user 112 and the beneficiary 114 who receives the mileage. In this case, the merchant device 110 or the Internet and the specific merchant device 118 charge the card company device 120 with a service service fee or an item purchase cost while providing services and goods to the user 112. Then, the card company device 120 pays a service service fee or an item purchase cost to the affiliated device device 110 or the Internet and a specific affiliated store 118. Thereafter, the user 112 is charged for the service service fee or the purchase cost of goods. Then, the user 112 pays a service service fee or an item purchase cost to the card company apparatus.

The merchant device 110 provides a service or an item of the user 112 or the beneficiary 114 using the mileage. After providing the service or the goods, the merchant device 110 charges the card company device 12 for the service service cost, the goods purchase cost, and the cost of the mileage used by the beneficiary. The card company device 120 accordingly pays for the service service fee, the goods purchase cost, and the amount of used mileage. Afterwards, the user 112 charges a service service fee or an item purchase cost. The user 112 pays a service service fee or an item purchase cost charged by the card company device 120.

The Internet and specific merchant devices 118 provide services or goods to the user 112 or to the beneficiary 114 using the mileage. After providing the service or goods, the Internet and the specific merchant device 118 charges the card company device 120 for the service service fee, the goods purchase cost, and the mileage used. The card company device 120 accordingly pays for a service service fee, an item purchase cost, and a mileage used. Thereafter, the card company device 120 charges the service fee or the item purchase cost to the user 112. The user 112 pays the service service fee or the item purchase cost that the card company device 120 charges.

In the above, the merchant 110 such as a general store or service provider and the Internet and a specific merchant 118 such as an internet shopping mall are separately classified. It is similar to the role played as a whole and can be collectively referred to as a merchant.

When a user first applies for card subscription, the card management system of the card company sends the user's personal information to the card approval server, and the card approval server receives the information and sends the information to the member and merchant DB processing server after approval. Subsequent information is sent to the DRM Department for membership management. Create and manage a mileage management server that manages only mileage separately within the card company. After that, the user who applied for a card uses services such as service use and payment of goods costs at the service using affiliated store 110 or the Internet and a specific affiliated store 118 using the card. The user's performance is then sent to the card company. The card company calculates the mileage of the user's use received from the service use merchant or the Internet and a specific merchant through the mileage management server. This calculated mileage is credited to the beneficiary designated by the user when the user first applies for card use on the mileage management server. Designated beneficiaries can use the accumulated mileage on the Internet and certain merchants, or use designated services such as amusement parks and sports viewing.

2 is a flowchart of a subscriber registration processing operation in a card company apparatus according to an embodiment of the present invention. In FIG. 2, a process of designating a beneficiary who is a third party who is provided with mileage when the user applies for a card is disclosed.

When a user registers as a card company (online / offline), the registration information for the user is provided to the card company device in the card company. If the user registration information is provided, first, in step 210, the user determines whether the beneficiary is provided with the mileage. If the beneficiary is set, the process proceeds to step 212. If the beneficiary is not set, the process proceeds to step 214. Perform the registration processing operation. In step 212, the user's personal information and beneficiary designation information are registered in the member DB server. Thereafter, step 216 is to send the user's card, and step 218 is to send the card to the beneficiary determined by the user.

3 is a flowchart illustrating an operation of issuing by type of mileage card of a beneficiary designated by a user. In FIG. 3, a process of issuing various types of beneficiary cards according to beneficiaries after the user designates a beneficiary is started.

First, in step 300, the beneficiary specified by the user is checked in the member DB. Thereafter, in step 310, after confirming the beneficiary mileage card issuance target, it is determined whether the child is a minor. If you are a minor, you will be issued a card without a credit card. If you are not a minor, you will be issued a card with a credit card. If it is determined in step 310 above that the current beneficiary is a minor, the process proceeds to step 312 to determine whether the beneficiary card is owned. If it is determined that the beneficiary card is owned, the process proceeds to step 314 to determine whether the card includes a prepaid function. If it is determined in step 314 that the prepaid function of the corresponding card is included, the process proceeds to step 316 to include the prepaid function in the existing card and reissue the card. On the other hand, if the determination in step 314 does not include the prepaid function of the corresponding card, the process proceeds to step 318 and reissues the card without the prepaid function.

On the other hand, if it is determined that the beneficiary card is owned in step 312, the process proceeds to step 324. In step 324, it is determined whether the prepaid function is included in the case of a minor and does not possess the beneficiary card. If the prepaid function is included, the process proceeds to step 326 to perform a card issuing process including the prepaid function. On the other hand, if the determination in step 324 does not include the prepaid function, the process proceeds to step 328 and performs an issuance processing operation to the card that does not include the prepaid function.

On the other hand, if it is determined that the beneficiary mileage card issuance target in step 310 is not a minor, the process proceeds to step 332 to determine whether the beneficiary card possession. As a result of the determination in step 332, if the beneficiary card is owned, proceed to step 334 to determine whether the prepaid function is included. If the prepaid function is included, proceed to step 336 to include the prepaid function in the existing card and reissue it. do. On the other hand, if it is determined whether the prepaid function is included in step 334, if the prepaid function is not included, the process proceeds to step 338 and the card is reissued to a card that does not include the prepaid function.

On the other hand, if it is determined that the beneficiary card is owned in step 332, if the beneficiary card is not owned, the process proceeds to step 344 to determine whether the prepaid function is included. If it is determined in step 344 that the prepaid function is included, the process proceeds to step 346 where the card is issued with a credit card function including the prepaid function. On the other hand, if it is determined in step 354 that the prepaid function is not included, the process proceeds to step 348 and the card is issued with a credit card function that does not include the prepaid function.

4 is a flowchart illustrating a process of accumulating mileage for a card used by a user in a card company device according to an embodiment of the present invention to a beneficiary. In FIG. 4, the card company device calculates the mileage according to the user's card use records received from the merchant device or the Internet and a specific merchant device, and accumulates to the beneficiary.

Once mileage accrual information is provided. First, in step 410, the mileage earning information is determined to determine whether or not the mileage is used on a valid card. If the card is not a valid card, the process proceeds to step 414. If the card is valid, the process proceeds to step 412. Receive mileage accrual information and process it to member DB. In step 416, the mileage is calculated using the mileage accumulation information. Thereafter, in step 420, if the beneficiary is designated by determining whether the subscriber has set the beneficiary to provide the calculated mileage, proceed to step 422 to perform the operation of earning the calculated mileage to the beneficiary. If no beneficiary is set, the process proceeds to step 424 to accumulate the calculated mileage to the user.

Through the process as shown in FIG. 4, after calculating the mileage using the mileage accumulation information, it is determined whether there is a beneficiary set for the user, and the mileage is accumulated to the beneficiary when the beneficiary is designated.

5 is a flowchart of a mileage usage processing operation in the card company apparatus according to an embodiment of the present invention. In FIG. 5, a process of using a mileage with a mileage information of a beneficiary card input from a merchant device, the Internet, and a specific merchant device for mileage used by a beneficiary is disclosed.

When mileage usage information is entered. First, in step 510, the mileage earning information is determined to determine whether or not the mileage is used on a valid card. If the card is not a valid card, the process proceeds to step 514. If the card is valid, the process proceeds to step 512. Receive mileage accrual information and process it to member DB. Thereafter, in step 520, the effective mileage for using the mileage is determined. If it is determined that step 520 is not valid mileage, the process proceeds to step 514 to perform invalidation processing of mileage use, and if it is valid mileage, proceed to step 522 to approve the use of mileage. Thereafter, when the user inputs the actual usage information using the mileage in step 526, the mileage DB is updated according to the mileage information as used in step 528.

According to the process shown in FIG. 5, when the mileage is used, information on the mileage usage is updated. This mileage redemption process can be applied to both users and beneficiaries.

6 is a flow chart of the beneficiary anniversary processing operation in the card company apparatus according to an embodiment of the present invention. 6, the card company apparatus initiates a process of sending a gift suitable for mileage to the user and the beneficiary by checking an appropriately set anniversary date such as a birthday in the personal information of the user and the beneficiary.

First of all, by checking the pre-set anniversary date for each user, first determine whether the anniversary date of step 610 is approaching, that is, whether or not 7 days before (D-7) from the anniversary date. If it is determined in step 610 that the D-7 is from the anniversary date, then in step 612, the subscriber anniversary DB is searched and the list is classified according to the classification and type of the corresponding customer. Thereafter, in step 620, the valid mileage DB is searched to determine the effective mileage by the corresponding user. If there is a valid mileage as a result of the determination in step 620, the process proceeds to step 622 and proceeds to search for an appropriate preset gift for each mileage. In step 626, the gift set for each mileage is processed to be sent. Subsequently, in step 628, the mileage according to the sent gift is subtracted.

Through the process described above, a gift is sent according to the accumulated mileage to the user or beneficiary on the anniversary or other specific day, and the accumulated mileage of the user and the beneficiary is deducted. Whether to perform the entire service as shown in FIG. 6 may be set by the user or the beneficiary at the time of initial subscription.

7 is an overall flow chart showing the use of credit settlement means and its associated means in accordance with another embodiment of the present invention.

The credit card applicant applies for a credit card issuance to the credit card company and simultaneously designates a third party to receive a benefit (step 710). The credit card company will then review the credit card applicant's eligibility requirements and, if applicable, include the applicant's information in the company's database and information about the third party to whom the applicant is entitled. The credit card company issues a credit card to the applicant (step 720) and issues a third party beneficiary card to the third party (step 730). This third party benefit card is attached to the credit card applicant's credit card and provides certain benefits to the third party designated by the credit card applicant. This beneficiary card is a recognition card that has a simple recognition function so that it can receive a certain benefit as long as it recognizes this card, or, if the beneficiary card is used, the card is immediately settled in the account of the credit card user or the person designated by the credit card user. A check card or a beneficiary card user may use a credit card function within a certain amount, and the credit card may be a credit card made in the account of the original credit card applicant or the person designated by the credit card applicant. Or a card or means having a combination of these functions. When the credit card applicant is issued a credit card, and the third party designated by the credit card applicant is issued a benefit card, and the credit card applicant first uses the credit card at the merchant (step 740), the merchant contacts the credit card company. After requesting authorization (step 750), the credit card company enters the credit card user's usage information into its database while making the requested authorization to the merchant. When the credit card is used, the third party's use of the benefit card is approved. Therefore, if the third party uses his or her benefit card, the credit card company approves the request for approval from the beneficiary card available merchant (step 760). If the credit card applicant does not use the credit card issued for a certain period of time, that is, after a certain period of time after the card is used, the credit card company checks the fact and suspends the benefit function granted to the third party. That is, in this case, if the third party uses the beneficiary card-enabled merchant and the affiliate makes a request to the credit card company, the credit card company rejects the approval (step 770).

This method is not only shown when a new credit card is issued as described above, but is also not shown in the drawing. However, even if a credit card user who is using a credit card is provided with a third party to benefit a third party attached to his or her card, It is also possible to use a method of designating and issuing accessory means to the third party.

8A and 8B are flowcharts illustrating operations of initiating a benefit function for a third party and stopping a benefit function when the card is not used for a certain period of time after the use of the card according to another embodiment of the present invention.

8A illustrates a flowchart in which a beneficiary function of a beneficiary card granted to a third party operates when the credit card applicant uses the credit card after issuing the credit card. In other words, if a third party uses the benefit card, the merchant requests the credit card company for approval, and the benefit function of the third party benefit card is activated by the credit card company. When an existing credit card user designates a third party, the corresponding credit card user uses his card after designating the third party. 8B illustrates a flowchart in which the benefit function of the third party beneficiary card does not work if the credit card applicant does not use the credit card after issuing the credit card. Alternatively, if the performance is below a certain standard, it is possible to suspend the benefit function granted to the third party.

Although not shown in the drawing, the benefit function is initiated by issuing an accessory means that benefits the credit card issuer or a third party designated by the existing credit card user, but subsequently the credit card issuer or the existing credit card user If is not a certain criterion, it is possible to discontinue the benefit. If it is not used for a certain period on a certain basis, it can be the case that it does not correspond to the use performance more than a certain amount for a certain period.

Here, we have described the case of using a credit card while explaining the case of payment by credit, but various credit settlement methods such as a mobile phone and a chip smart card, such as a credit settlement function, are used instead of a credit card as long as it has a credit settlement function. It is possible.

Meanwhile, in the above description of the present invention, specific embodiments have been described, but various modifications may be made without departing from the scope of the present invention. Therefore, the scope of the present invention should not be defined by the described embodiments, but by the claims and equivalents of the claims.

As described above, a marketing system using a credit settlement means (for example, a credit card, a membership card, a smart card, a mobile phone, etc.) according to the present invention provides a proper benefit to a beneficiary even with a small amount of mileage. Increase the loyalty of a particular card use, provide various types of cards to beneficiaries in consideration of whether they are underage, whether or not to include a prepaid function, to maximize service and customer satisfaction, and to reduce the unused mileage of the card company. I can solve it.

The present invention also provides a benefit to a third party, when the credit card applicant is issued a credit card, a certain amount of recognition function card, check card or payment amount in a third party's name to a third party designated by the credit card applicant. By issuing the following credit card, various credit card additional services are possible. In addition, when the credit card applicant starts using the issued credit card, the credit card issued to the third party can be started to secure the use of the issued credit card. In addition, if the credit card applicant begins using the credit card issued by the credit card applicant and the credit card is not reused for a certain period of time even after the benefit granted to the card issued to the third party is started, the benefit added to the third party is suspended. Ensure the continued use of credit cards.

Claims (17)

In the credit settlement system using the credit settlement means, The user designates a third party to be benefited when the user subscribes to the credit settlement means, and when the user is issued a credit settlement means, the third party issues an accessory means attached to the credit settlement means to the third party. A card company apparatus having a function of approving the use of the accessory means in accordance with the user's usage information input from a merchant when the means is used by the third party; The third party provides information regarding the use of the third party to the card company device, and is provided in accordance with the approval provided by the card company according to the information that the use of the credit settlement means issued by the user meets a predetermined standard. A credit settlement system comprising a merchant device to enable the use of the accessory means. The method of claim 1, A credit settlement system characterized in that the use of the credit settlement means initiates the use of the credit settlement means. The method of claim 1, The accessory means is a credit card payment system, characterized in that the check card, credit card or payment mobile phone. In a credit settlement method using a credit settlement means, Determining whether a third party to receive the benefit when the credit means user is registered; Registering information of the user and third party information when the user and the third party are set up; Issuing an accessory means attached to the credit card of the user to the third party when issuing a credit settlement means to the user; Crediting the third party to the third party when the user commences the use of the credit settlement means. The method of claim 4, wherein And stopping the benefit granted to the accessory means to the third party if the user does not use the credit settlement means for a period of time after using the credit settlement means. Way. The method of claim 4, wherein Stopping the benefit granted to the accessory means to the third party if the user's use of the credit settlement means does not exceed a certain level for a certain period of time after the user uses the credit settlement means. Credit settlement method characterized in that. The method of claim 4, wherein The credit settlement means of the user is a credit card, and the third party attachment means is a credit card, check card, credit card or payment mobile phone. In a credit settlement method using a credit settlement means, Designating a third party to be benefited by a user using the credit settlement means; Registering the information of the third party to receive the benefit; Issuing an accessory means attached to the credit means of the user to the third party; And if the user uses the credit settlement means after registering the information of the third party, causing the third party to receive the benefits granted to the accessory means. The method of claim 8, Credit payment method of the user characterized in that the credit card or payment mobile phone. The method of claim 8, And stopping the benefit granted to the accessory means to the third party if the user does not use the credit settlement means for a period of time after using the credit settlement means. Way. The method of claim 8, Stopping the benefit granted to the accessory means to the third party if the user's use of the credit settlement means does not exceed a certain level for a certain period of time after the user uses the credit settlement means. Credit settlement method characterized in that. In a credit settlement method using a credit settlement means, Designating a third party to be benefited by a user using the credit settlement means; Registering the information of the third party to receive the benefit; Issuing an accessory means attached to the credit means of the user to the third party; And stopping the benefit granted to the third party if the user does not use the credit settlement means more than a predetermined standard after the third party registers the information. In the credit settlement system using the credit settlement means, The beneficiary can be set up to receive the mileage credited according to the user's performance when the user joins, and the mileage calculated by calculating the mileage according to the user's usage information input from the merchant is accumulated to the user or the beneficiary. Card company device that provides the requested mileage information to the affiliated store, Credit card system comprising the information provided by the user to the card company device, the merchant device responsible for the use of the mileage of the user or beneficiary according to the mileage information provided from the card company. The method of claim 13, The beneficiary uses the mileage at the merchant through a beneficiary card provided to the beneficiary itself. In the credit settlement method using the credit settlement means, Determining whether the user has set up a beneficiary who receives mileage when the user registers; Registering the user's information and beneficiary information when setting the beneficiary of the user; Issuing the card to the user or beneficiary; Credit settlement method comprising the step of accumulating mileage to the beneficiary according to the user's usage performance. The method of claim 15, When the card is issued to the user or beneficiary, the credit settlement method is characterized in that the card is issued according to whether the beneficiary is underage and whether the prepaid function is included. The method of claim 15, Checking an anniversary set in advance through registration information of the user or beneficiary; If it is determined that the anniversary is approaching, determining the accumulated mileage of the user or beneficiary; And processing the predetermined gift according to the accumulated mileage to be sent to the user or beneficiary.