KR20040093579A - System and method for appropriating accumulated points - Google Patents

Abstract

PURPOSE: A system and a method for processing accumulation points are provided to give points when an enterprise uses a specified service with an enterprise credit card and enable the enterprise to use the points by exchanging into cash. CONSTITUTION: A user information database(104) stores credit card number information, account information, accumulation point information, and point replenishment method information of a user. A point settlement module(101) exchanges purchase price into the points depending on a predetermined rate by receiving settlement particulars including the credit card number and the purchase price from a credit card settlement server(20), and replenishes the points by referring to the point replenishment method information stored in the user information database. A point accumulating module(103) updates the accumulation point information of the user information database if the point settlement module determines point accumulation. A point replenishing module(102) offsets the account information stored in the user information database as much as the point if the point settlement module determines loan repayment.

Description

System and method for appropriating accumulated points}

The present invention relates to a reward point processing system and method, in particular to a reward point processing system and method that covers the points earned by the use of the company-specific card loan repayment or savings.

For credit cards used by individuals, credit card services that can be used as cash when a certain amount is purchased at a certain rate every time a specific service is used, and when a certain point or more is used, are currently being actively implemented.

4 is a block diagram illustrating a conventional credit card service. When a user uses a credit card through a card terminal 404 installed in a store or accesses a service website 402 on the Internet through a computer terminal 401 and uses a credit card, the credit card payment server 403 may use these credit cards. The credit card payment history and if the authentication is correct, the financial institution 406 is notified of the authentication result, at which time the account of the company providing the store or service website that provided the goods or services. You will transfer the purchase amount.

On the other hand, companies that provide goods or services provide a service that grants a certain percentage of the purchase price to users who purchase goods or services by credit card, and users can use the accumulated points as cash when needed. .

However, despite the fact that the use of credit cards exceeds 50% (excluding labor costs) among annual expenses, there is no special compensation service for the use of credit cards by companies.

It is an object of the present invention to provide a points and processing system and method that can be used to give a point when a company uses a specific service with a credit card dedicated to the company and convert the points to cash.

It is another object of the present invention, every time a company uses a specific service with a company-only card, by earning a certain percentage of the purchase price as points and the points earned by loan repayment or savings accumulated by the credit point from the company's point of view Earn cash rewards, and as a service provider and credit card company, you can expect to generate new profits from your company's active use of credit cards, and as a bank, you can expect to earn new customers by issuing credit cards. To provide a way.

1 is a block diagram of a credit points processing system according to an embodiment of the present invention when the credit card payment is carried out through the card terminal 30.

2 is a block diagram of a credit points processing system according to an embodiment of the present invention when the card payment is performed on the Internet.

Figure 3 is a flow chart of the earning point processing method according to an embodiment of the present invention.

4 is a block diagram for explaining a conventional credit card service.

In order to achieve the above object, the present invention stores the user's credit card number information, account information, earning point information, point provision method information on whether to cover the loan repayment or savings points The user's information DB and a payment history including a credit card number and a purchase amount from a credit card payment server, converting the purchase amount into points according to a predetermined ratio, and the provisioning method stored in the user information DB A point settlement module for deciding whether to cover the converted points for loan repayment or accumulation of savings with reference to the information, and the user information if the points settlement module determines to cover the points for saving To update the earned point information stored in the DB Point earning module, and if the point settlement module determines that the point to cover the loan payment reimbursement comprises a point allotment module to subtract the point from the account information stored in the user information DB The present invention provides a reward point processing system and a reward point processing method for allocating points by using the system.

Hereinafter, with reference to the accompanying drawings will be described an embodiment of the present invention.

1 is a block diagram of the earning point processing system of the present invention. The processing system 10 is composed of a point settlement module 101, a point appropriation module 102, a point earning module 103 and a company information DB 104, the processing system 10 is a credit card payment server 20 ) Is linked.

The credit card payment server 20 is connected with a plurality of card terminals 30. The plurality of card terminals 30 are, for example, a management service provider that provides services such as legal, patent, tax, accounting, and logistics service providers that provide services such as courier service, import / export forwarding, quick service, and surrogate operation. It may be installed in a telecommunication company that provides a service such as a service. The card terminal 30 transmits the payment details to the payment server 20 each time a user uses each service with a corporate credit card. The payment server 20 authenticates payment details including information such as a credit card number and a purchase price based on the payment details transmitted from the terminal 30.

If the payment details are correctly authenticated, the payment server 20 transmits the payment details to the earning point processing system 10, and the earning points processing system 10 allocates points to the loan repayment or accumulates the savings according to the payment details. do.

The company information DB 104 is linked with the company's credit card number, the company's own account information, the accumulated point amount information, and the point appropriation information that distinguishes the accumulated points to be used for repaying the loan or saving as it is. Is stored.

The point settlement module 101 of the processing system 10 calculates a predetermined percentage of the purchase amount as points based on the purchase amount information included in the payment details. For example, when using the management service, 1% of the purchase amount is calculated. In the case of using the logistics service and communication service, 2% of the purchase amount is calculated as points. The points are converted into cash using one point as one won, for example. In addition, the settlement module 101 determines whether to cover the converted point amount to repay the loan or to accumulate the reserve by referring to the point provision method information stored in the DB 104.

If it is determined to cover the accumulation of funds, the settlement module 101 transmits the payment details to the point accumulation module 103 and the accumulation module 103 updates the point amount information stored in the DB 104.

In addition, when it is determined that the point amount is to be repaid to the loan, the settlement module 101 transmits the payment details to the point provision module 102 and the provision module 102 accesses the account information stored in the DB 104 to make the loan. Deduct the amount of points from your account.

On the other hand, in recent years, the credit card payment through the Internet website has become popular, Figure 2 is a view for explaining the operation of the processing system 10 of the present invention at the time of credit card payment through the Internet.

According to FIG. 2, when a company accesses a service providing website 50 provided by each service provider through a computer terminal 40 and purchases a service or an article, the website 50 authenticates the purchase history and processes payment. The purchase details of the payment process are transmitted to the earning point processing system 10 of the present invention to operate the processing system 10 as described above with reference to FIG. 1.

The credit card payment process through the Internet will be described in more detail. The corporate computer terminal 40 accesses the service providing website 50 and transmits the credit card number and password of the corporate dedicated credit card to the website 50. The website 50 requests the authentication of the credit card from the credit card payment server 20, which is a server of the credit card company, and if the authentication is correctly performed by the payment server 20, the service providing website 50 checks the authentication. Receive the results and provide the service requested by the company.

3 is a flowchart of a method for processing earned points according to an embodiment of the present invention.

In step S301, the user information DB is stored, which stores the user's credit card number information, account information, points information, and points provision method information on whether to cover the loan repayment or the accumulation of points. In step S302, payment details including the user's credit card number and purchase amount are received from the credit card settlement server. In step S303, the purchase amount included in the payment details is converted into points according to a predetermined ratio. In step S304, it is determined by referring to the provision method information stored in the user information DB whether or not to cover the converted points to repay the loan or to accumulate the savings. If it is determined that the loan will be repaid, the amount of points converted from the account information stored in the user information DB is subtracted in step S305. Update the stored points information.

As described above, according to the present invention, whenever a company uses a specific service with a company-specific card, a certain percentage of the purchase price is earned as points, and the accumulated points are covered by loan repayment or savings, so that the company can use the credit card. The company will be able to receive new cash rewards for service providers and credit card companies, and can generate new profits from companies actively using credit cards, and banks can expect new customers through credit card issuance.

Claims (2)

A user information DB that stores the user's credit card number information, account information, earning point information, and point appropriation information on whether the loan will be repaid or saved. Receives a payment history including a credit card number and a purchase amount from a credit card payment server, converts the purchase amount into points according to a predetermined ratio, and converts the amount by referring to the provision method information stored in the user information DB. A point settlement module for deciding whether to cover the accumulated points for repayment of the loan or the accumulation of savings; A point earning module for updating the earning point information stored in the user information DB when the point settlement module determines to cover the points for saving; And a point appropriation module for subtracting the point from the account information stored in the user information DB when the point settlement module determines that the point is to be repaid for the loan. Preparing a user information DB that stores user's credit card number information, account information, earning point information, and point appropriation information on whether to cover the loan payment or saving the points; Receiving a payment history including a credit card number and a purchase amount from a credit card payment server; Converting the purchase amount into points according to a predetermined ratio; Determining whether to cover the converted points for loan repayment or accumulation of savings by referring to the point provision method information stored in the user information DB; Subtracting the point from the account information stored in the user information DB when it is determined that the converted point is to be used to repay the loan; If it is determined that the converted points to cover the accumulation of savings points earning point processing method comprising the step of updating the earned point information stored in the user information DB.