KR20030057845A - Method of providing mileage point using information network - Google Patents

Abstract

PURPOSE: A method for supplying a mileage point is provided to promote to use a credit card by enabling a user to lend mileage points according as when the user joins to a mileage point supply server as a member, thereby enabling the user to purchase a commodity or use a service. CONSTITUTION: A user is registered in a mileage point supply server as a member(S100). A member managing DB stores identity information of the member, mileage points, and loan period information(S110). The member designates possessed mileage points and the loan period information and requests to loan the mileage point(S120). If the mileage point supply server lends the corresponding mileage points to the member, the member managing DB stores the lent mileage points and the loan period information(S130). If the member uses the mileage point, the details are transmitted to the mileage point supply server(S140). The mileage point supply server checks whether mileage points accumulated in the loan period are greater than the lent mileage point(S150). If the mileage points accumulated in the loan period are less than the lent mileage point, the mileage point supply server informs shortage of the mileage point to the member(S160).

Description

How to provide mileage points using information and communication network {METHOD OF PROVIDING MILEAGE POINT USING INFORMATION NETWORK}

The present invention relates to a method for providing mileage points using an information and communication network. Particularly, when a member accesses a mileage point providing server and joins as a member, the mileage point can be loaned according to the member's mileage point application. Or it relates to a method for providing mileage points using an information and communication network that can facilitate the use of the card by purchasing a service.

Generally, credit cards are issued by a limited number of credit card companies. The credit card issued by the card holder is used as a means of payment of service or goods costs by the card holder.The credit card company deducts a certain rate when there is a charge from the card merchant, and purchases the service fee or goods charged. After the payment is made in advance, it is billed back to the cardholder who is the consumer.

Since the membership card operating method having such a purchase and payment structure is a post-payment method, since the cardholder has an advantage in relation to the financial cost, the card company has been recognized that the cardholder is given the benefit of sufficient card use by itself.

However, in recent years, the emergence of new cards with a variety of service functions has become fierce competition among card companies, accordingly card companies are trying to develop a card product that can provide a lot of benefits to card users.

Representative of additional services for credit card members is to assign points (scores) at a certain rate according to the performance of the card, accumulate these points, and when the value reaches a certain point, a predetermined prize or prize is paid. There is a form. The management of cumulative points according to the use of the card is applied not only to credit cards but also to customer management in all sales industries.

However, the card performance record system of various methods proposed so far is based on the cardholder's previous performance. Therefore, in order for the card user to receive a certain level of compensation or benefit when purchasing goods and services using the card, the card company must pay in advance. It is a prerequisite that the performance of the card should be raised to the level set by the household.

An object of the present invention is to sign up as a member of the mileage point providing server, the mileage point loan is possible according to the mileage point application of the member can purchase goods or services without mileage points according to the card use performance can promote card use The present invention provides a method for providing mileage points using an information and communication network.

1 is a block diagram of a system for implementing the present invention.

2 is a flowchart of a method for providing mileage points using an information communication network according to the present invention.

Explanation of symbols on the main parts of the drawings

10: Member 20: Mileage Point Merchant

30: mileage point providing server 32: membership management DB

Mileage point providing method using the information communication network according to the present invention for achieving the above object is a step of registering as a member of the mileage point providing server, the member's personal information and the number of mileage points owned by the member management DB and the expiration date information Storing the data, applying the mileage point loan to the mileage point providing server by specifying the mileage point quantity and the loan period, and when the mileage point providing server loans the mileage point to the member, managing the membership. Storing, by the DB, the quantity of the borrowed mileage points and the expiration date; when the member uses the mileage points, the use of the mileage points is transmitted to the mileage point providing server; Within the deadline Determining whether the accumulated mileage points of the member exceed the loaned mileage points, and notifying the member that the mileage points do not meet when the accumulated mileage points of the member within the loan period are less than the borrowed mileage points. Characterized in that.

When described in detail with reference to the accompanying drawings, a preferred embodiment according to the present invention.

1 is a block diagram of a system for implementing the present invention.

As shown in FIG. 1, a system for implementing a method for providing mileage points using an information communication network according to the present invention is connected to a mileage point providing server to apply for registration through providing personal information and a mileage point loan. The mileage point providing server 30 for loaning additional points upon application, the member management DB 32 for storing the personal information of the member and the quantity and the expiration date of the mileage point, and the items that can be purchased with the mileage point or It is configured to include a mileage point affiliated shop 20 to provide a service.

The mileage point providing server 30 generates mileage points for purchasing a specific item or service according to the results of card use and gives them to each member 10, and applies to mileage points according to the card use history when applying for mileage point loans. Regardless of whether you borrow mileage points.

The member management DB 32 stores the personal information, the number of mileage points and the loan period information for each member, which are input through the mileage point providing server 30, and the point information includes accumulated point information according to card use records and Contains loan point information.

The mileage point affiliate store 20 provides goods or services that can be purchased with mileage points. Examples of such goods or services may include amusement park admission tickets, amusement park free passes, and special menus of fast food restaurants.

The operation of the system described above is performed as follows.

When registering as a member of the mileage point providing server, the member management DB 32 stores the personal information and the point information of the member 10.

When the member 10 applies for a mileage point loan, the mileage point providing server 30 loans the mileage point requested by the member 10. Then, the member management DB stores the loan amount and loan period information of the mileage points borrowed.

In addition, when the member 10 purchases the goods or services provided by the mileage point affiliate store 20 using the mileage points of the member 10, the mileage point affiliate store 20 records the details of the mileage point usage. Transmit to mileage point providing server through communication network.

Thereafter, the mileage point providing server 30 determines whether the mileage points of the member accumulated within the loan period have exceeded the mileage points borrowed, and if not exceeded, notifies the member 10 that the mileage points are not satisfied. do.

2 is a flowchart of a method for providing mileage points using an information communication network according to the present invention.

Referring to FIG. 2, the present invention first registers as a member of a mileage point providing server in order to use a mileage point providing service (S100). Member registration can be registered by accessing directly through an information communication network or through a mileage point provider, and the registration method can be performed in various ways without any limitation.

The information communication network may be the Internet, a telephone network, a data communication network, and the like, and the mileage point providing service is applicable to all membership cards including a credit card, a railroad membership card, and an airline membership card.

Then, the member management DB stores the personal information of the member, the number of points owned and the loan expiration information (S110). The point information includes cumulative point information and loan point information according to the card use performance of the member.

After that, the member applies for the mileage point loan by specifying the quantity of the point and the loan period in order to purchase goods or services (S120).

Then, the mileage point providing server loans the mileage point designated to the member (S130). The limit of points borrowed may vary depending on the amount of membership card use, the age or occupation of the member.

Then, the member management DB stores information such as the quantity of the borrowed mileage points and the loan period.

Then, if the member uses the mileage points borrowed for the purchase of goods or services provided by the mileage point merchant (S140), the mileage point merchant sends the mileage point use history to the mileage point providing server.

On the other hand, the merchant for the provision of goods and services using the point may be targeted to the membership card merchant, and may also selectively limit the target sponsor.

For example, if you can purchase 10,000 mileage points for all rides in the amusement park, which is a membership card merchant, you can use 10,000 mileage points of your own mileage points instead of paying the normal price. You can buy it.

Meanwhile, the mileage point providing server accumulates and manages the mileage points generated according to the used mileage points or the member's card use records in the membership management DB.

Thereafter, the mileage point providing server determines whether the mileage points of the member accumulated within the loan period exceed the mileage points borrowed (S150).

If the accumulated mileage points of the member exceeds the loaned mileage points within the loan period, payment is made in the form of deducting the mileage points borrowed from the accumulated mileage points.

If the member's mileage points accumulated within the loan period are less than the loaned mileage points, the member notifies the member that the mileage points are not satisfied (160). The above notification method can be applied to various methods such as email and telephone.

Members who have confirmed that the mileage points are not satisfied can apply for an extension of the loan period, and when the payment period is extended, mileage points to be paid in the form of a fee can be added.

For example, if the payment deadline is one month, the member must pay the loaned mileage points by the month following the month of the loan. If not, the member can extend the payment deadline.

Such a mileage point providing service for the member will increase the card sales by promoting the use of the card according to the use of the loan point.

As described above, the present invention enables purchase of goods or services through mileage point loans at the request of a member, so that an increase in card company sales can be obtained by promoting card use.

Claims (2)

Registering as a member of a mileage point providing server; Storing, by the member management DB, personal information of the member and the quantity of the mileage points owned and the loan expiration date; Applying a mileage point loan to the mileage point providing server by designating a quantity and a loan period of the mileage point; If the mileage point providing server loans mileage points to the member, storing the quantity and loan period information of the mileage points borrowed by the member management DB; If the member uses mileage points, transmitting the mileage point usage history to the mileage point providing server; Determining, by the mileage point providing server, whether the mileage points of the member accumulated within the loan period have exceeded the mileage points borrowed; And if the accumulated mileage points of the member within the loan period are less than the mileage points borrowed, notifying the member that the mileage points are not satisfied. The method according to claim 1, The loan period is a mileage point providing method using an information and communication network, characterized in that can be extended at the time of application of the member.