KR20030045219A - Service Providing Method for Reducing the Price of Credit Card Bill Using Points - Google Patents

Abstract

PURPOSE: A method for offering a credit card charge reduction service using a point is provided to reduce the credit card charge through a charge reduction point by integrating and exchanging various types of cyber money offered from each online and offline company into the credit card reduction point. CONSTITUTION: A server of each member company web site receives a point exchange request from a user terminal(S210). A charge reduction web site server linked with the member company server exchanges the cyber money of each member company to the charge reduction point by a point exchange program and accumulates it to a web site database(S220). The charge reduction web site server receives the charge reduction request by receiving the user information and the credit card charge reduction price from the user terminal(S230). The charge reduction web site server transmits the charge reduction request to a cooperating credit card company server(S250). The cooperating credit card company server confirms the user information from a customer database and reduces the credit card charge as much as the charge reduction price(S270).

Description

Service Providing Method for Reducing the Price of Credit Card Bill Using Points}

The present invention relates to a method for providing a credit card fee reduction service using points, and more specifically, by integrating various points, such as bonus points or miles earned by members online or offline, by a predetermined amount within a limit of integrated points. It is about a service that reduces credit card charges.

Recently, as another business method for attracting customers, a method of promoting the use of the service by granting a cyber money or a discount ticket in proportion to the amount of service received is introduced. In the case of offline, for example, points earning system of gas stations, discount coupons of bookstores, mileage accumulation system of airlines, and the like.

In addition, in the case of online, as the Internet is recently activated, membership websites that provide various services using internet communication are increasing. Such member-based websites are generating revenue through differentiated content services, such as receiving subscriptions of paid members, conducting e-commerce transactions, or attracting site advertisements. In addition, in the case of such an online website, in order to induce members to use the service and generate effective profits, cyber money is given in proportion to the member's use of the service, the amount of the e-commerce, the number of clicks on the advertisement, or the score obtained by participating in the game. The service fee or product purchase price is discounted by the amount corresponding to the money, or a product discount ticket, a cultural gift certificate, or a preferential use of amusement facilities corresponding to a predetermined cyber money is provided.

However, such a conventional cyber money is a portion of the amount used by the member according to the criteria set by each offline or online company to earn a predetermined amount according to each standard, the cyber money provided by each offline or online company Since value and unit are determined differently, there was a problem that one company's cyber money cannot be used by the other company.

In addition, there is a problem in that points are not systematically utilized because each company adopts a separate method of use such as purchasing goods, using a service, or using a gift certificate. come.

The present invention has been made to solve the above problems, the present invention integrates various forms of cyber money paid by various criteria, such as purchase results in each online and offline companies into a single form of credit card rate reduction points and An object of the present invention is to provide a method of providing a credit card charge reduction service using points, which is exchanged and the credit card rate is reduced in a predetermined manner using such charge reduction points.

The configuration of the present invention for achieving the above object comprises: a first step in which a server of each member company website receives an application for point exchange to a rate reduction point for each member company cyber money from a user terminal; The server of the rate reduction website linked with the member company server exchanges the cyber money for each member company with rate reduction points according to a predetermined exchange rate in advance using a point exchange program and accumulates it in the rate reduction website DB. Two steps; A third step in which the rate reduction website server receives user information and a desired credit card rate reduction amount that limits the accumulated rate reduction points from a user terminal and receives an application for rate reduction; A fourth step of transmitting the rate reduction request to the affiliated credit card company server to which the rate reduction website server is linked; And a fifth step of the affiliated credit card company server confirming the user information from the customer DB and reducing the credit card fee by the fee reduction amount.

1 is a schematic configuration diagram of a credit card charge reduction service providing system using points according to the present invention.

2 is a schematic flowchart of an embodiment of a method of providing a credit card charge reduction service according to the present invention.

3 is a flow chart showing a direct earning method as another embodiment of the present invention.

4 is a flowchart illustrating a method of using a point card as another embodiment of the present invention.

5 is a schematic flowchart of a credit card bill reflection method.

6 is a schematic flowchart of a payment account (bank book) reflecting method.

7A to 7C illustrate an example of a web page provided at the point exchange request according to an embodiment of the present invention.

8A and 8B illustrate an example of a webpage provided when a fee reduction application is made according to an embodiment of the present invention.

9 illustrates an example of a webpage provided when purchasing a point card according to an embodiment of the present invention.

10 shows an example of an offline type card.

11 illustrates an example of a webpage provided in a credit card fee reduction application step according to an embodiment of the present invention.

<Description of Symbols for Main Parts of Drawings>

10: user terminal 20: member company server

21: member company DB 30: website for providing rate reduction service

31: Tax cuts DB 32: Point exchange program

40: credit card company server 41: credit card company DB

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the credit card charge reduction service providing method using the points of the present invention.

1 is a schematic configuration diagram of a credit card charge reduction service providing system using points according to the present invention, and FIG. 2 is a schematic flowchart of a method of providing a credit card charge reduction service according to the present invention.

Referring to FIG. 1, the system according to the present invention includes a server 20 and a DB 21 of a user terminal 10 and a member company website, a server 30 and a DB 31 of a fee reduction service providing website. And a server 40 and a DB 41 of the credit card company.

The user terminal 10 performs a function of applying for a point exchange to the member company server 20 and applying for a rate reduction to the rate reduction service server 30, such as a general PC, laptop PC, PDA, wireless Internet mobile phone, etc. It includes.

The member company server 20 is connected to the user terminal 10 through the Internet, and uses the member company DB 21 for storing user information and cyber money information for each user, to the cyber money from the user terminal 10. Receive a point exchange application (S 210, Fig. 2).

7A to 7C are examples of web pages provided at the point exchange request.

A user can typically access the member company's website by entering the URL of each member in the address field of the browser, clicking on a saved URL list or a favorite list, or searching on a search site, but preferably, as shown in FIG. The member company server 20 can be easily accessed through a hyperlink within the provided website.

The user logs in by inputting his / her ID and password for the member company website.

Next, the server 20 provides a currency exchange screen as shown in FIG. 7B, and the user enters an amount to exchange with a maximum exchangeable amount, and fills in a member company (that is, a website for providing a rate reduction service) to exchange points. Apply. Preferably, as shown in the above drawings, points are exchanged for all of the exchangeable amount of 10 won, one of which is deducted as a fee, a total of 9 won is exchanged, the rate reduction originally accumulated on the linked rate reduction site The webpage can be configured to inform the user in advance that the 9 won is added to the 250 won point to be 259 won.

A member company refers to a company that has entered into a business alliance for credit card fee reduction by interworking with a rate reduction service providing website. If the online money is an online member, the cyber money is an online e-commerce, online game, online advertisement click, online event. It is acquired in various ways such as participation and stored in the DB 21, and even in the case of an offline member company, points or miles are obtained through oil refueling, book purchase, ticket purchase, and the like. Is stored in the DB 21.

The rate reduction website server 30 is linked with the member company server 20, and has a DB 31 and the point exchange program (32). When the rate reduction website server 30 receives the cyber money information and the point exchange application information from the member company server 20, the point exchange program 32 is activated to pre-determined the cyber money for each member company in advance. Exchange to a rate reduction point according to a predetermined exchange rate (S220).

In FIG. 7B, when the user clicks the button for point exchange, the point exchange program 32 is driven to perform actual exchange, that is, point exchange. As a result, a processing screen as shown in FIG. 7C is provided.

The exchange rate may be applied to a predetermined rate such as, for example, 1 cyber money to 1 fare reduction point or 2 mileage to 1 fare reduction point for mileage or other cyber money for each member company. In the figure, a ratio of 1 to 1 is applied.

The DB 31 of the rate reduction website stores user information and at the same time accumulates the exchange rate reduction points for each user (S220). Therefore, preferably, the DB 31 can be divided into a user DB and a point DB.

The rate reduction website server 30 receives a request for a rate reduction by receiving a user's information and a desired credit card rate reduction amount which limits the rate reduction points accumulated in the DB 31 from the user terminal 10. (S 230).

8A and 8B illustrate an example of a webpage provided when a fee reduction application is made. Referring to FIG. 8A, the server 30 reads the user's point information from the DB 31 to show that the current user's total credit reduction point is 259 points, and the user selects a card selection box 810 processed as a combo box. It is configured to select a desired credit card in the) and the desired rate reduction point (200 points in the figure) in the exemption point description field 811 and clicks the confirmation application for confirmation button 812.

Next, as shown in FIG. 8B, a web page for guiding a reduction amount of money (KRW 180) and a fee (KRW 20) corresponding to the reduction point (200 points) may be additionally provided. When the confirmation button 821 is clicked on, the reduction application is made.

The rate reduction website server 30 checks whether or not the correct application, that is, the authenticity of the user information and whether the required amount of reduction is within the limit (S 240). If the application is incorrect, request the right rate reduction application again.

When the correct application is confirmed by the confirmation, the rate reduction website transmits the rate reduction application to the server 40 of the affiliated credit card company linked (S 250).

The affiliated credit card company server 40 checks whether the application is a correct application by matching the user information and credit information from the application contents and the customer DB 41 of the card company (S260). If the result of the check is that there is no matching credit card or the correct card number, or other incorrect application, request the correct rate reduction application.

When the correct application is confirmed by the confirmation, the credit card company server 40 transmits a exemption authorization message to the rate reduction website server 30 to reduce the credit card rate by the amount of the rate reduction (S 270).

Fee reduction step (S 270) may be made in a variety of ways, but preferably may be configured in a credit card bill reflection method and payment account (bank account) reflection method.

Figure 5 shows a flow chart of the credit card bill reflecting method, referring to this method, the credit card company server 40, while sending the authorization message to the card company for the rate reduction website server 30 by the amount of charge reduction Step (S 271) for requesting a down payment, and the fee reduction website server 30 is required to make a prepayment of the required amount of charge reduction amount to the account of the card company (S 272), and the credit card company confirmed the prepayment In step S273, the server 40 reflects the amount of reduction on the credit card bill.

6 shows a flow chart of a payment account (bank book) reflecting method, referring to this method, the credit card company server 40 transmits an authorization message while the credit card company server 30 sends a user's credit card. Step 271 'requesting a deposit amount as a deduction amount to a bill payment account (bank account), and the fee reduction website server 30 received the request is deducted from the credit card bill payment account (bank account) of the user. A step 272'deposits the amount.

3 is a flow chart showing a direct earning method as another embodiment of the present invention. Referring to this, the present invention includes a step (S 220 ') to directly accumulate to the rate reduction points by the self-accumulation in the rate reduction site, self-accumulated rate reduction points without going through the point exchange as described above It can be configured to provide credit card rate reduction service using. Since the following steps S 230 to S 270 are the same as those of the above-mentioned point exchange, description thereof is omitted.

4 is a flowchart illustrating a method of using a point card as another embodiment of the present invention. Referring to this, in the present invention, the rate reduction website server 30 generates a point card including a predetermined rate reduction point and a point card number (S 210 "), and the rate reduction website server 30 Storing the generated point card number and charge reduction point of the point card in the DB 31 (S 220 ″), and the rate reduction website server 30 is charged from the terminal of the person who owns the point card. The card number and the rate reduction point is configured to include a rate reduction application step (S 230 ") to receive the rate reduction amount to the limit.

The holder of the loyalty card will be the assignee if the original purchaser of the loyalty card has transferred the loyalty card, and if not the transfer, the loyalty card will be the original purchaser. Since the following steps (S 240 to S 270) are the same as those of the point exchange described above, description thereof is omitted.

9 illustrates an example of a webpage provided when the point card is purchased. The user may select a desired card type and quantity from the point card type selection box 910 and the quantity selection box 920 processed by the combo box.

The type selection column 910 may be preferably composed of optional items such as 10,000 won, 20,000 won, 30,000 won, 50,000 won, 100,000 won, the quantity check box is preferably one, two, three, It may consist of optional items such as 4 sheets, 5 sheets, and 6 sheets.

The user then fills in the email address entry field 912.

The reward card is a type of card having an online form of an intangible online point card in which only predetermined rate reduction points and a point card number are delivered and an actual form (for example, a general gift voucher shape), and a rate reduction point and points on one side of the card. It may include an offline type point card in which the card number is described.

10 shows an example of an offline type card. Referring to the drawings, for example, 10,000 pp can be reduced points (amount) is described on the front, and the back card (not shown) has a point card number is described. In order to prevent the theft of another person, preferably, the back card of the point card number can be configured to be identified by scratching the cover. As described later, the credit card fee reduction service is executed using the point card number. In the case of tangible off-line cards, it can be easily transferred to others, such as presenting them to others, or presenting them to customers in a gas station or store to attract and promote customers.

In the case of the online point card, the point card number having a predetermined rate reduction point is sent to the e-mail address. Fill in the other name field (913) and telephone number field (914). As a preferred example of the payment method, it is configured to select a point payment 915, a credit card payment 916, and a bank account payment 917. When the next purchase confirmation button 918 is clicked, a point card purchase is made through a specific payment step.

Fig. 11 shows an example of a web page provided in the credit card fee reduction application step S 230 " from the point card holder. The web page further includes a point card number description field 1110 in the point card. It is configured to apply for credit card fee reductions up to the amount included.

While the present invention has been described with reference to preferred embodiments, it will be understood that this is for the purpose of description and not of limitation. It will also be understood that various modifications and variations can be made by those skilled in the art.

According to the present invention of the above configuration, by exchange and accumulate a very diverse cumulative point or mileage for each online company or offline company to a single point at the same time to receive the credit card rate reduction service using the accumulated points to netizens actually There is an effect that can provide the benefits.

In addition, according to the present invention, it is possible to reduce the credit card charges by using the points exchanged and integrated between the member companies, it is possible to increase the sales of the entire member company by inducing the use of users for each member company.

In addition, according to the present invention by providing a credit card charge reduction service using a point card, there is an effect that it is possible to provide a service to directly reduce the credit card charges more easily and more simply, gifts, gifts, transfers.

Claims (13)

A first step in which a server of each member company website receives an application for point exchange to a rate reduction point for each member company cyber money from a user terminal; The server of the rate reduction website linked with the member company server exchanges the cyber money for each member company with rate reduction points according to a predetermined exchange rate in advance using a point exchange program and accumulates it in the rate reduction website DB. Two steps; A third step in which the rate reduction website server receives user information and a desired credit card rate reduction amount that limits the accumulated rate reduction points from a user terminal and receives an application for rate reduction; A fourth step of transmitting the rate reduction request to the affiliated credit card company server to which the rate reduction website server is linked; And a fifth step of the affiliated credit card company server confirming the user information from the customer DB and reducing the credit card fee by the fee reduction amount. The method of claim 1, The rate reduction website DB is a credit card rate reduction service providing method using a point, characterized in that configured to separate the user DB and the point DB. The method of claim 1, wherein the fifth step, Step 5-1 of the credit card company server requesting a prepayment of the fee reduction amount to the card company for the fee reduction website server while transmitting the authorization message; Step 5-2 of the fee reduction website server receiving the prepayment to prepay the fee reduction amount required to the credit card company's account; And a fifth step of applying the reduced amount to the credit card bill by the credit card company server, which has confirmed the prepayment. The method of claim 1, wherein the fifth step, Step 5-4 of the credit card company server requesting the deposit of the fee reduction amount to the credit card fee payment account (bank account) of the user for the fee reduction website server while transmitting an authorization message; 5-5, wherein the fee reduction website server, which has been requested to deposit a deposit, deposits the fee reduction amount into the user's credit card bill payment account (bank account). How to Provide Card Reductions. A first step of generating a rate reduction point by the server of the rate reduction website for the user and accumulating it in the rate reduction website DB; A second step in which the rate reduction website server receives user information and a desired credit card rate reduction amount to limit the accumulated rate reduction points from a user terminal and receives an application for rate reduction; A third step of transmitting the rate reduction request to an affiliated credit card company server to which the rate reduction website server is linked; And a fourth step of the affiliated credit card company server confirming the user information from the customer DB and reducing the credit card fee by the fee reduction amount. The method of claim 5, The rate reduction website DB is a credit card rate reduction service providing method using a point, characterized in that configured to separate the user DB and the point DB. The method of claim 5, wherein the fourth step, Step 4-1 of the credit card company server requesting a prepayment of the fee reduction amount to the card company for the fee reduction website server while transmitting the authorization message; A step 4-2 in which the fee reduction website server that has been requested to make a prepayment deposits the fee reduction amount required to an account of the credit card company; And a fourth step of applying the reduced amount to the credit card bill by the credit card company server that has confirmed the prepayment. The method of claim 5, wherein the fourth step, A step 4-4 of requesting the deposit of the fee reduction amount to the credit card fee payment account (bankbook) of the fee reduction website server by the credit card company server while transmitting an authorization message; 4-5, wherein the fee reduction website server, which has been requested to deposit a deposit, deposits the fee reduction amount to the user's credit card bill payment account (bank account). How to Provide Card Reductions. A first step of the rate reduction website server generating a point card including a predetermined rate reduction point and a point card number; A second step of the rate reduction website server storing point card numbers and rate reduction points of the generated point card in a rate reduction website DB; A third step of receiving, by the terminal of the person who has the point card, the rate reduction website server from the terminal of the rate reduction website, receiving the rate card amount and the rate reduction amount of the rate reduction point; A fourth step of transmitting the rate reduction request to the affiliated credit card company server to which the rate reduction website server is linked; And a fifth step of the affiliated credit card company server confirming the user information from the customer DB and reducing the credit card fee by the fee reduction amount. The method of claim 9, wherein the fifth step, Step 5-1 of the credit card company server requesting a prepayment of the fee reduction amount to the card company for the fee reduction website server while transmitting the authorization message; Step 5-2 of the fee reduction website server receiving the prepayment to prepay the fee reduction amount required to the credit card company's account; And a fifth step of applying the reduced amount to the credit card bill by the credit card company server, which has confirmed the prepayment. The method of claim 9, wherein the fifth step, Step 5-4 of the credit card company server requesting the deposit of the fee reduction amount to the credit card fee payment account (bank account) of the user for the fee reduction website server while transmitting an authorization message; 5-5, wherein the fee reduction website server, which has been requested to deposit a deposit, deposits the fee reduction amount into the user's credit card bill payment account (bank account). How to Provide Card Reductions. The method of claim 9, The point card is a credit card rate reduction service providing method using the point, characterized in that the online point card that only intangible predetermined charge reduction point and the point card number is delivered online. The method of claim 9, The point card is a credit card rate reduction service providing method using a point, characterized in that the point-type offline point card is a predetermined rate reduction point and the point card number is described on one side of the card.