KR20040035460A - System and Method for Payment Using Membership Card - Google Patents

Abstract

PURPOSE: A system and a method for settlement using a membership card are provided to receive particulars using the membership card having a settlement function from a membership card member shop and claim the particulars by adding to a fare of a wireless terminal. CONSTITUTION: A member managing tool(610) manages member information using the member ship card. A membership card use particulars managing tool(630) receives the membership card use particulars from the member shop, and stores/manages the data in a database(730). A settlement system information transmitting/receiving tool(650) transmits the membership card use particulars to a mobile communication settlement system in order to add the membership card use particulars to the fare of the mobile terminal.

Description

Membership payment system and method using membership card {System and Method for Payment Using Membership Card}

The present invention relates to a membership payment system, and provides a membership payment system and method for receiving a usage history of a membership card including a payment function for goods purchase and adding the charge to a wireless terminal.

As the number of users of wireless terminals increases, the use of membership cards matched to wireless terminals issued by mobile communication companies is spreading. Accordingly, mobile carriers that provide membership cards are developing various events, such as providing coupons to give discounts or reserves based on a percentage of the usage fee. However, membership cards are inconvenient for members to present a membership card with cash or credit card for purchases because they do not participate in direct payments because they are given credits or discounts when purchasing goods. . In addition, membership card members increase the risk of loss because they have to carry multiple credit cards and membership cards.

In addition, membership card members are difficult to manage each payment company that must pay each month, such as the amount of card usage billed from a number of credit card companies and the wireless terminal fee billed from a mobile carrier.

The present invention has been made in order to solve the above-mentioned problems, by receiving the details of the membership card used by the member from the membership card merchant that handles the membership card that includes a payment function for the purchase of goods to add to the charge of the wireless terminal Provides a membership payment system and method for billing.

1 is a view showing the configuration of a network connected to the membership payment system according to the present invention,

2 is a view showing in detail the configuration of the membership payment system according to the present invention;

3 is a flowchart of a membership payment method according to the present invention.

<Description of the symbols for the main parts of the drawings>

100: Merchant 200: Internet

300: mobile communication network 400: wireless terminal

500: carrier billing system 600: membership billing system

610: member management means 630: membership card details management means

650: payment system information transmission and reception means 670: merchant payment management means

690: payment information transmission means 710: control unit

730: database

The present invention for achieving the above object is a membership payment system connected to a mobile communication network and a mobile carrier payment system to receive the membership card usage history from the membership card merchant to perform the payment,

Member management means for managing information of a member using a membership card including a payment function for goods purchase; Membership card history management means for receiving membership card usage history from a merchant and storing and managing it in a database; And payment system information transmission / reception means for transmitting the membership card usage history stored in the database to the mobile communication payment system to be summed up with the usage fee of the wireless terminal.

Another embodiment of the present invention is connected to a mobile communication network and a carrier billing system as a membership payment method for receiving a membership card usage history from a membership card merchant to perform payment,

Receiving usage information of a membership card including a payment function for purchasing member information and goods from a membership card merchant; Approving payment of the membership card history when the member is an issuing member of the membership card having a purchase function; Storing membership information and membership card usage history; And transmitting the membership card usage history to the mobile carrier payment system to be summed up with the usage fee of the wireless terminal.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a view showing the configuration of a network connected to the membership payment system 600 according to the present invention.

The membership payment system 600 receives the membership card details used by the membership card member via the mobile communication network 300 from the membership card affiliate store 100. Here, the membership card is preferably a wireless terminal card including a wireless terminal number issued by a mobile communication company such as a UTO card, a TTL card, or a chi card, but is not limited thereto. That is, the membership card may be issued by a company or a group other than a mobile communication company. In such a case, the membership card should include a wireless terminal number and a payment function for goods purchase. The membership card stores information such as membership information, payment information, etc., including any one of magnetic, RF, infrared, and barcodes. The membership card affiliate store (hereinafter referred to as an affiliate store) refers to an affiliate store that handles a membership card.

The membership payment system 600 stores the membership card usage history received from the affiliated store 100 and transmits the membership card details to the mobile carrier payment system 500. The mobile carrier billing system 500 is a system for managing usage fees (call charges, additional service charges, etc.) of wireless terminals, and adds usage fees of wireless terminals to issue wireless terminal bills to each wireless terminal member. In addition, the mobile carrier payment system 500 receives and stores the membership card usage history transmitted by the membership payment system 600, and adds the membership card usage fee to the wireless terminal usage fee and issues it to the wireless terminal member. It is included in the fare bill.

The membership payment system 600 pays for the membership card details received from the affiliated store 100. Here, the membership payment system 600 is a method of making a payment from an account of the membership payment system 600 to an account of the affiliate store 100 via a dedicated line or paying to the account of the affiliate store 100 via the Internet 200. Use the method.

The membership payment system 600 may be operated by an operator of the mobile carrier payment system 500 or may be operated by an operator independent of the mobile carrier payment system 500.

2 is a diagram showing in detail the configuration of the membership payment system 600 according to the present invention.

Membership payment system 600 is a member management means 610, membership card details management means 630, payment system information transmission and reception means 650, merchant payment management means 670, payment information transmission means 690, the control unit ( 710 and database 730.

The member management means 610 receives and stores personal information such as a member's name, a wireless terminal number, an e-mail address, a home address, and the like using a membership card including a payment function for goods purchase and stores in the database 730. In addition, the member management means 610 receives the member's information from the affiliated store 100, and confirms whether or not the member has been issued a membership card including a goods purchase function. Member information (e.g., wireless terminal number) received by the member management means 610 is referred to when the payment information transmitting means 690 transmits the information that the membership card is used to the member.

The membership card details management means 630 receives the membership card usage information from the affiliate store 100 and stores it in the database 730, and according to the control of the controller 710, payment system information transmission and reception means 650 and merchant payment management means. 670 and the payment information transmitting means 690 transmits a signal indicating that the membership card usage information is stored in the database 730. Here, when the membership card details management means 630 receives the membership card usage information, the membership card details management means 630 also receives the member's wireless terminal number which is automatically transmitted by using the membership card.

When the payment system information transmitting and receiving means 650 receives a signal that the membership card usage information is stored from the membership card details management means 630, the membership card used in the database 730 under the control of the controller 710 is used. The information is transmitted to the mobile communication payment system 500 to be added to the wireless terminal fee.

When the merchant payment management means 670 receives a signal that the membership card usage information is stored from the membership card details management means 630, the membership card usage information stored in the database 730 under the control of the controller 710. To analyze by each member and merchant stores each in the database 730. Thereafter, the merchant payment management means 670 of the membership payment system 600 may directly transfer the payment amount to the affiliate store 100 based on the stored merchant data, and transmit the merchant data to the mobile carrier payment system 500. The mobile carrier payment system 500 may transfer the payment amount to the affiliated store 100 by transmitting and using the same.

When the payment information transmitting means 690 receives a signal that the membership card usage information is stored from the membership card details management means 630, the membership card to the member's wireless terminal 400 so that the member can check his / her payment amount. Send usage information.

The controller 710 is the member management means 610, membership card details management means 630, payment system information transmission and reception means 650, merchant payment management means 670, payment information transmission means 690 and database 730 ) Is stored in the database 730 to be transmitted and received by using the membership card, in addition to controls the overall operation of the membership payment system (600).

3 is a flowchart of a membership payment method according to the present invention.

Membership card merchant 100 receives information necessary for payment from the membership card presented by the membership card member (S101). Membership management means 610 and membership card history management means 630 of the membership payment system 600 receives the member information and membership card usage history from the merchant 100, and the member management means 610 is the member information. Analyze the membership card to determine whether or not it is a member (S103). Subsequently, in the case of a membership card member, the membership card details management means 630 approves the payment of the membership card details, and the member management means 610 and the membership card details management means 630 receive the member information received from the affiliate store 100. And membership card usage history is stored in the database (730) (S105). Subsequently, the payment information transmitting means 690 transmits the membership card usage history payment approval information to the member's wireless terminal 400 so that the member can immediately check the membership card usage information (S107).

In addition, the membership card details management means 630 transmits the membership card usage history to the mobile carrier payment system 500 to be added to the wireless terminal fee (S109). Here, the mobile carrier billing system 500 is a system for managing usage fees (call charges, additional service charges, etc.) of wireless terminals, and sums the usage fees of wireless terminals to inform wireless terminal fee invoices to each wireless terminal member. Issue.

The mobile carrier payment system 500 stores the membership card usage history transmitted from the membership card details management means 630 (S111). The mobile carrier payment system 500 adds the member's wireless terminal fee and the membership card fee (S113), and sends a bill to the member (S115).

As such, those skilled in the art will appreciate that the present invention can be implemented in other specific forms without changing the technical spirit or essential features thereof. Therefore, the above-described embodiments are to be understood as illustrative in all respects and not as restrictive. The scope of the present invention is shown by the following claims rather than the detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention. do.

As described above, the present invention can enjoy a membership card and a purchase card at the same time as a membership card capable of purchasing goods.

In addition, by billing the membership card details of the member using the membership card including the payment function for the purchase of goods to the wireless terminal usage fee such as cellular phones and PCS, the payment management according to the goods purchase is easy.

Claims (12)

A membership payment system connected to a mobile communication network and a mobile carrier payment system to receive payment of membership card usage history from a membership card merchant and perform payment. Member management means for managing information of a member using a membership card including a payment function for goods purchase; Membership card details management means for receiving membership card usage history from the affiliated stores and storing and managing the membership card in a database; And And payment system information transmission / reception means for transmitting the membership card usage history stored in the database to the mobile communication payment system to be summed up with the usage fee of the wireless terminal. According to claim 1, The membership payment system further comprises a member payment management means for analyzing the membership card usage history stored in the database for each member and the affiliate store to store in the database. According to claim 1, The membership payment system further comprises payment information transmitting means for transmitting the membership card payment details to the wireless terminal so that the member can check his or her membership card payment details. According to claim 1, And said member management means further comprises checking whether said member is a member who issued a membership card including an item payment function. According to claim 1, And the member information includes a wireless terminal number. According to claim 1, The membership card is a membership payment system, characterized in that it comprises any one of magnetic, RF, bar code and infrared. According to claim 1, The membership card is a membership payment system, characterized in that the card issued by the mobile network operator. A membership payment method connected to a mobile communication network and a mobile carrier payment system to receive payment of membership card usage history from a membership card merchant and perform payment. (a) receiving usage information of a membership card including a payment function for purchasing member information and goods from the membership card affiliate store; (b) approving payment of the membership card history when the member is an issuing member of a membership card having a goods purchase function; (c) storing the membership information and the membership card usage history; And and (d) transmitting the membership card usage history to the mobile carrier payment system to be summed up with the usage fee of the wireless terminal. The method of claim 8, And transmitting the membership card usage payment approval information to the member's wireless terminal between steps (c) and (d). The method of claim 8, And the member information includes a wireless terminal number. The method of claim 8, And analyzing and storing the membership card usage history for each member and each affiliate store. The method of claim 8, And transmitting the membership card payment details to the wireless terminal so that the member can check his / her membership card payment details between the steps (b) and (c).