KR20040095524A - Method of reserving and using points on making a purchase - Google Patents

Abstract

PURPOSE: A method for accumulating/using points on goods purchase is provided to make a user use a portion of the points at a distributing company offering the points, and enable each distributing company to settle the points one-to-one by recording use particulars for the accumulated/used points to a database of each distributing company. CONSTITUTION: If a transaction approval request using a member card of a payment company is received from a settlement terminal of the distributing company, a point operating server of an arranging company receives a settlement approval by requesting the settlement for a requested settlement price to a settlement server of the payment company. The points for the settled price are divided/accumulated into a self-point and a common point, and both points are recorded to a point accumulation/use particular table. If the point operating server receives the card transaction approval request from the settlement terminal, the self-point and the common point used for the card transaction approval are extracted(S704). The requested settlement price is offset by using the extracted points according to a use order(S706).

Description

{Method of reserving and using points on making a purchase}

The present invention relates to a method of accumulating and using points earned in the use of the card by dividing the points into various types of points, and the points earned can be used only at the distributors that earned the points and all points affiliated distributors. Earned by dividing into common distribution points that can be used in.

In recent years, the emergence of new credit cards with various service functions has led to fierce competition among card companies. Accordingly, efforts have been made to develop credit card products that can provide many additional benefits to card users. .

Representative of additional services for credit card members, and a certain percentage of points (scores) are given according to the use of the card, and these points are cumulatively calculated, and when the value reaches a certain point, predetermined prizes or prizes are paid. There is something to do. In addition, recently, the accumulated points such as "OK Cash bag points", "Samsung Card Big Bonus Points", "My LG Points", etc., when using the accumulated points like cash when purchasing goods at merchants to discount products A card usage activation scheme that allows purchase or free purchase of products is being utilized.

The cumulative point merchandise purchase system that enables users to purchase products by using accumulated points as cash, is a system that is beneficial to the card company's sales, which is the point operator, which does not help the participating distributors who are the point holders. Is recognized. That is, although a certain amount of credit card payment amount is credited by a certain affiliated retailer, the points actually used may be used by other point affiliated distributors, so that individual point affiliated distributors are not considered.

For example, as illustrated in FIG. 1, a user purchases a product from a first distributor 110 using a credit card of a payer 150 (eg, a credit card company) and earns 100 points from a first distributor. (141) When receiving, and the second distributor (120) to purchase the goods and earn 200 points from the second distributor (142), then the 300 points earned by the consumer after the third distributor 130 In the case of using, the result is that the points earned by the first and second distributors are consumed by the third distributor, not by the first and second distributors.

As a result, the conventional cumulative point product purchase system as described above has the following problems.

First, when the first and second distributors earn points for a specific user, the payment point was paid to the payer in advance.As a result of the consumer using the points at the third distributor, As a result of using the points earned by the 1st and 2nd distributors in the 3rd distributor, the 1st and 2nd distributors provide only cash points and the profits from the sales of the goods are taken by the 3rd distributor. In particular, if a consumer purchases a product mainly using points from a third distributor, the first and second distributors gain only a third distributor without any significant gains in the use of the points. The result is intensification. As a result, the first and second distributors avoid the point service because the effect of the increase in sales due to the cumulative point product purchase system is insignificant.

Second, when a retailer accumulates points to a specific user, the current method takes a prepaid point payment method in which the amount required to accumulate points is paid to the payer in advance. However, if the user does not use the points prepaid and paid for the expiration date or the like, there is a problem in that the income of the game is directly paid to the payer.

In order to solve the above problems, the present invention has been proposed, for a certain portion of the points earned by the use of the card is intended to be used only in distributors that earned the points. In addition, the purpose of enabling direct one-to-one point settlement between each distributor based on the usage history by recording the usage history of the points accumulated and used by each distributor.

1 is a state diagram showing a state of earning and using conventional points.

2 is a point operation server according to the present invention.

Figure 3a is a point accumulation and usage history table recording the points earned state.

Figure 3b is a point accumulation and use history table recording the points used history.

4A is a point remaining table before using points.

4B is a point remaining table after using points.

5 is a point settlement table showing the contents of point settlement between each distributor.

Figure 6 is a flow chart showing the flow of earning distribution points and distribution points in accordance with the present invention.

7 is a flow chart showing the flow using the distribution point itself and the distribution point in accordance with the present invention.

8 is a point accumulation and use history table showing the distribution itself points, distribution co-points, card itself points, card joint points earned.

* Description of the symbols for the main parts of the drawings *

S702: Point Use Intention + Card Transaction Approval Request

S704: Extract points to be used for payment

S706: Decrease the amount corresponding to the points in the payment amount

S708: Is payment completed using only points?

S710: Card Payment Request for Net Payment Amount S712: Card Payment

S714: Update database for used points

S716: Notification of Transaction Approval

In order to achieve the above object, the present invention provides a method of earning and using the points to be accumulated by dividing the points to be earned by dividing the points to be earned by breaking the conventional point earning method of collectively managing the points by using the card as one point. do. The various types of points include a distribution point that can be used only by a distributor who accumulated the points, and a distribution point that can be used by all card affiliate distributors.

Therefore, the present invention proposes a step for earning and using a point having a distribution point itself, a distribution point structure, and the point earning step is distributed by a point operation server of a broker operating a point for a card payment amount. When the card transaction approval request is received from the company's payment terminal, requesting the payment approval of the payment amount requested by the card transaction approval to the payment server of the payment company to receive payment approval, and the predetermined point for the payment approved amount, It is provided with a step of earning by dividing the distribution itself points that can be used only in the distributor requesting the payment and the distribution co-points that can be used in all points participating distributors of the card.

In addition, the point usage step, the point accumulation step of recording the accumulated distribution itself points and distribution joint points in the points accumulation and usage history table that the details of the point accumulation and use is stored, and operating points for the card payment amount When the broker's point operation server receives a request for approval of a card transaction by using a point from a distributor's payment terminal, the distributor itself and the distribution joint point to be used for the card transaction approval are extracted from the point accumulation and usage history table. Using the point extraction step, the point having the highest priority among the extracted distribution itself points and the distribution co-point first, deduct the payment amount requested for the card transaction approval, and subtract the remaining point using the point with the highest priority For the payment amount, use the points of the next rank Point payment step of deducting the payment amount, and the net payment amount remaining after deducting the payment amount by using the distribution point and the joint distribution point. The payment step, the point usage record step of recording the detailed use history of the distribution point and the distribution joint point used in the deduction of the payment amount in the point accumulation and use history table, and the details of payment of the card transaction approval The step of transmitting to the payment terminal.

Hereinafter, a preferred embodiment of the present invention will be described in detail with reference to the drawings.

2 is an internal configuration block diagram of a point operation server performing point operation according to the present invention.

Point accumulation and usage history table 240 is a database that records the details of the accumulation and use of points for each card (hereinafter referred to as the credit card, debit card, prepaid card, etc.). That is, when a card payment is made at a point affiliate distributor, points are accumulated in the point accumulation and use history table of the corresponding card.On the other hand, when a consumer purchases a product at a point affiliate distributor using the accumulated points, the points are listed. The points used for payment are recorded in the accumulation and usage table.

An example of the point accumulation and usage history table is shown in FIGS. 3A and 3B. FIG. 3A shows an example in which points are accumulated before use of points, and FIG. 3B shows a form after use of points.

Point accumulation and usage history table is the transaction number (311), the date and time of the transaction (312), transaction type (313), payment amount (314), earning distributors (315), distributors (316), distributor points ( 317, a distribution joint point 318, and point usage details 319. The transaction type 313 denotes whether the transaction by credit card is earned or used, and the settlement amount 314 denotes an amount paid (or used points) when purchasing a product.

In addition, the earning distributor 315 and the distributor used 316 is a point affiliate distributor, the distributor 315 is a product that sells the product when you pay for the purchase from a specific distributor The distributor who earned the points, and the used distributor 316 refers to a distributor when a consumer purchases a product from a specific distributor using accumulated points.

The point detail usage history 319 indicates the details of the points used when the consumer purchases the product using the points, and indicates which distributor used the points earned. Referring to FIG. 3B, 350 points (361) used when trading 360 to purchase a product using 350 points are 225 points (362) of distribution itself and 125 points (363) of distribution joint point. Was done. However, the distribution point 225 points are 150 points of the detailed transaction number 1- (a) and 75 points of the detailed transaction number 3- (a), and 125 points of the distribution joint point are the detailed transaction number 1- (c). It can be seen from the point detail usage item 364 that 50 points and 75 points of the detailed transaction number 2- (c) were utilized.

The distribution points 317 and the common points 318 are points earned or used when a consumer purchases and pays a product at a specific distributor. In detail, points earned when purchasing a product are divided into distribution points and distribution points at a predetermined earning rate, respectively. Distribution points 317 are points that can be used only by the distributor who earned the points, distribution points. 318 is a point that can be used by all affiliate distributors.

The reserve ratio is determined autonomously by the distributor or payer. For example, 1% of the product purchase cost to earn points, 3/4 of the points earned in the distribution itself points, the remaining 1/4 can be determined by earning the reserve points to the distribution common points.

For example, assuming a reserve ratio as in the above example, as shown in transaction 370 of transaction number 1 of FIG. 3A, a consumer purchases a 20,000 won card from a retailer named Starbucks and pays 20,000 won. If you make a payment, you will have a point of 200 points with a 1% accumulation rate. Of these, 150 points (detailed transaction number 1- (a)), which is 3/4, correspond to distribution points, and 50 points which correspond to 1/4 (details). Transaction number 1- (c)] is credited to the distribution point.

On the other hand, each item of the distribution itself point and the distribution co-points are divided into the earn / use field and the remaining field, the earn / use (320,322) field is a field that describes the accumulated points and used points, the remaining (321,323) Is a field describing remaining points remaining in use of accumulated points.

For example, in the case of transaction number 2 of FIG. 3B (341), 75 points are used 341 out of 100 distribution co-points accumulated in the mega box, and the remaining 25 points remain (342).

Meanwhile, in FIG. 3A and FIG. 3B, the points accumulated and the points used are recorded in one table 240, but the two details may be recorded in separate tables.

The point remaining table is a database that records the remaining points accumulated on a specific card. When there is a request for payment of a product card by use of points, the point operation server judges whether payment by points is possible by grasping the remaining points in the point remaining table. 4A and 4B show an example of the point residual table described above. FIG. 4A is a table example before using points and FIG. 4B is a table example after using points.

For example, as shown in FIG. 4A, Starbucks has 225 points of distribution points and 75 points of distribution points as of February 27, 2003, and Megabox 420 has 300 points of distribution points of itself and 100 points of distribution points, Bennigans 430 has been shown to accumulate 450 points of distribution itself and 150 points of distribution joint points. Looking at the points earned by matching the points accumulated and use history table of Figure 3a, 225 points of Starbucks's own distribution points are detailed transaction number 1- (a) of Figure 3a that Starbucks earned by February 27, 2003 The sum of 150 points and 75 points of 3- (a) and 75 points of distribution joint points are 50 points of detailed transaction number 1- (c) of FIG. , The sum of 25 points of 3- (c).

Similarly, 300 points of the distribution itself points accumulated in the mega box 420 are 300 points of the detailed transaction number 2- (a) shown in FIG. 3A, and 100 points of the distribution common points 100 of the detailed transaction number 2- (c). Indicates a point. The 450 points of the distribution itself points accumulated in the Bennigans 430 are 450 points of the detailed transaction number 4- (a) shown in FIG. 3A, and 150 points of the distribution common points are 150 points of the detailed transaction number 4- (c). Indicates a point.

Meanwhile, as shown in FIG. 3B, when 350 points are used (360) on February 28, 2003 in Starbucks, the remaining points used as of February 28, 2003 are illustrated in FIG. 4B. Since 350 points used in Starbucks used the point details of the point of use (364) of FIG. 3B, 225 points of Starbucks' distribution points, 50 points of distribution points, and 75 points of distribution points earned in Megabox were used. Each point used is subtracted from the point residue table of FIG. 4A and updated to the point residue table of FIG. 4B.

On the other hand, the point remaining table can have a usable point item, Figure 4a Starbucks usable point 413 is recorded as 550 points, which is Starbucks's own distribution point 225 points (411) and distribution The sum of the common points is 325 points 441. The usable point 423 of the megabox and the usable point 424 of Bennigans are also obtained by this method.

The point settlement table is a database that summarizes the points accumulated and used by each distributor at a specific point in time (eg, at the end of the month or at the end of the year), and is used to mutually settle the points between the point earner and the user.

An example of the point settlement table is shown in FIG. 5, which records the points accumulated and used between each distributor in February 2003 for the card number 9456789012. The table in FIG. 3b shows the points earned and used by the consumer until February 28, 2003. The table shows that 350 points were used at Starbucks in transaction No. 5 (360) during the month of February. Can be.

350 points of the Starbucks, using the point details usage (364) it can be seen that the distribution points 75 points [detailed transaction number 2- (c)] earned from other distribution companies Megabox. Accordingly, the point settlement table of FIG. 5 indicates that Starbucks used (510) 75 points earned in the mega box. As a result, Starbucks paid 75 megabytes worth of megaboxes to settle points in February 2003, completing the point settlement between Starbucks and Megabox.

Therefore, through the point settlement table 260, a direct post-payment method is possible between distributors, and thus it is possible to escape the prepaid settlement method of paying the amount of points to be previously accumulated to the payer. It is possible to overcome the problems caused by the point prepayment method.

On the other hand, the point validity period management module 220 manages the point validity period issued for each distributor and accordingly performs a function of deleting the transaction points after the expiration date by date. The data communication module 210 is a function unit that is responsible for data communication with a payment terminal in a payer and a distributor such as a credit card company, and the controller 230 controls each function of the payment terminal to perform online payment. Do it.

6 is a flowchart illustrating a point earning process according to the present invention.

For simplicity, the point card transaction flow shown in FIG. 6 is briefly summarized. When the payment request is made to the point operation server of the point operator 120 at the payment terminal of the distributor 110, the point operation server is the payer ( Receive payment approval to the payment server of 130) and accumulate points corresponding to the payment amount as distribution points and distribution points. Here, the card used for payment is a member payment card of a payer such as a payer's credit card, a debit card and a prepaid card. When a product is purchased from a point affiliate distributor using the card, a predetermined point is transferred to the card. It is earned as distribution points and distribution points.

In detail, the consumer requests a card payment after purchasing a product from a point affiliate retailer, and the payment terminal of the retailer requests a card transaction approval request for the corresponding payment amount to the point settlement server of the point operator. S602). The point operation server receiving the card transaction approval request makes a card payment request (S604) to the payment server of the payment company to receive the card payment approval (S606).

After the card payment is made has a process of calculating the distribution points and the distribution joint points to be accumulated (S608). Conventionally, but earned by collectively as one point, in the present invention, since the points earned by dividing the distribution itself and the distribution co-points to calculate the points to be earned by dividing the distribution points and the distribution co-points by a predetermined ratio. For example, if 1% of the amount paid is earned as a point, assuming that the earning rate is determined by earning 3/4 of the points to be accumulated in the distribution itself points, and the other 1/4 in the distribution common points As shown in the transaction number 1 of FIG. 3A (370), when a consumer requests a card payment for a product of KRW 20,000 in Starbucks, a point of 200 points having a 1% earning rate is generated. It is estimated that the corresponding 150 points should be accumulated in the distribution point itself, and 50 points corresponding to 1/4 of the distribution points.

When the point calculation work is completed as described above, the work to record the points to be accumulated in each database.

That is, the calculated accumulated points are updated and recorded in the point accumulation and usage history table 240 and the point residual table 250. As shown in the first transaction 370 of FIG. 3A, the point accumulation and usage history table 240 records the date and time of the transaction, the transaction type, the settlement amount, the creditor, the distributor's own point, and the distribution point. As shown in 4a, the point residual table 250 is updated by including the currently accumulated distribution points and distribution points in the existing distribution points and distribution points.

When the point accumulation and payment settlement is completed as described above, the transaction approval details are notified to the payment terminal of the distributor (S612) to complete all the product purchase process (S614).

On the other hand, the card settlement described in step S606 does not actually only have card transaction approval, but further includes a step of purchasing a slip. In other words, even if the card transaction is approved, it is not possible to make a complete card payment unless the payment company purchases the document later and finally confirms the approval of the card transaction.

Therefore, until the final purchase of the document and the final approval of the card transaction, it can be said that the card transaction is approved. In this state of the card transaction, the point-related database update is actually a database update state. If the card transaction is approved, but the card is not used and the final purchase of the card transaction is not made due to the purchase of the slip, the updated details of the database update for the transaction will be restored.

Therefore, it will be apparent that the database update for the point usage history in step S610 actually includes the step of finally updating the database if there is a final transaction approval due to the purchase of the document. .

In addition, the database update of step S610 refers to instantaneous real-time update of several related databases for each transaction. Such real-time update requires a lot of processing time if performed for each instant card transaction. have. Therefore, when points are earned and used, only the most basic points are accumulated and used in temporary memory temporarily, and during the busiest time period such as midnight, the points accumulation and usage table, point residual table, point settlement table, etc. You will be able to update the relevant databases.

FIG. 7 is a flowchart illustrating a process of purchasing a product by using a point accumulated by a consumer through the flowchart of FIG. 6.

When the consumer purchases the product and then displays the point intention to use the payment, the payment terminal of the retailer makes a request for approval of the transaction of the card by using the point (S702) to the point operation server of the point operator.

The point operation server of the broker receiving the point use card transaction approval request grasps the points accumulated so far in the card for which payment is requested, and extracts the distribution point itself and the distribution joint point to be used for payment (S704).

The point grasp is performed by looking at the point remaining table 250. As shown in FIG. 4A, the point remaining table 250 separately records the accumulated points that can be used at the time of the card payment by each distributor. The cumulative points may be identified by looking at the point residual table 250. For example, referring to FIG. 4A, the remaining points that can be used in Starbucks as of February 27, 2003 are 550 points 413. The 550 points are the sum of 225 points (411) of the distribution points that Starbucks himself earned before and 325 points (441), which is the sum of the distribution co-points earned by all point affiliate distributors including themselves.

As described above, the points to be used for payment are extracted while identifying the available points (S704), and the point extraction is based on the point usage priority determined in advance by policy. For example, the priority of using distribution point and distribution point is first, using distribution point first, and then using distribution point, and internal use of each distribution point and distribution point is the first accumulated point. If the policy is determined to take the first-in, first-out method to be used first, for example, when the amount of payment requested by Starbucks is 350 points, the 150 points, which are Starbucks' distribution points in the point accumulation and use history table of FIG. [Detailed Transaction Number 1- (a)], 75 points [Detailed Transaction Number 3- (a)] are used first, and 125 points which are insufficient are 50 points of distribution points earned by Starbucks [Detailed Transaction Number 1- (c)]. ], And 75 points from the distribution point 100 points [detailed transaction number 3- (c)] earned in the mega box to be used as a point to be used.

On the other hand, if the priority of using points determined by policy is to take the first-in, first-out method to use the first accumulated points, and if it is decided to use the distribution points in advance for points accumulated on the same day, When using 350 points in Starbucks, 150 points of Starbucks' distribution points in the point accumulation and usage table of FIG. 3A [detailed transaction number 1- (a)]-> 50 points of Starbucks distribution points [Detailed transaction number 1- (c)]-> 100 points of distribution co-points of Megabox [detailed transaction number 2- (c)]-> 50 points out of 75 points of Starbucks [detailed transaction number 3- (a)] The points are extracted in order of to form 350 points.

When the point extraction process is completed, a process of reducing the amount corresponding to the extracted points from the payment amount requested for card transaction approval (S706).

Thereafter, it is determined whether all payments for the card transaction approval request are completed through the reduction (S708). As a result of the determination, when the payment is completed with the extracted distribution point and the distribution point (S708a), since there is no need for a separate payment request to the payer, it has a step (S714) of updating the database related to the used point.

On the other hand, if all payments are not made with the extracted points (S708b), a payment request is made to the payer for the net settlement amount excluding the amount corresponding to the point to be used in the payment request amount, and the payment for the net settlement amount is performed. (S712). For example, if the point requested by Starbucks on February 28, 2003 is 750 points as shown in FIG. 3B, the available points are only 550 points in the point remaining table of FIG. 4A. For example, for the 200 points, the net settlement amount, which is the difference between the 750 points requested and the accumulated 550 points, the actual payment is received from the payer. For reference, if the constituent elements 550 points used are extracted in Fig. 3a, Starbucks' distribution points 150 [1- (a)], 75 points [1- (c)] and all distribution points 50 It will be apparent that points [1- (c)], 100 points [2- (c)], 25 points [3- (c)], 150 points [4- (c)].

When all payments are completed as described above, all databases related to the extracted and used points are updated (S714). For example, if 350 points used for the Star Bus payment were used, for this purpose, the transaction details of the points used, the points used, the remaining points used, the point usage details, as shown in FIG. To the point accumulation and usage table.

Accordingly, it can be seen that the 350 points used are the distribution points 225 points 362 and the distribution points 125 points 363, which are used in the point accumulation and usage history table of FIG. 3B. In addition, looking at the earned / used fields 320 and 322 and the remaining fields 321 and 323 of the point accumulation and usage history table of FIG. 3B, it can be seen that the points used are updated when compared to FIG. In addition, if you look at the details of points used (364), 350 points used are 150 points and 75 points of Starbucks' distribution points, 50 points of distribution points earned by Starbucks and 100 points of distribution points earned from Megabox. It can be seen that 75 points are used.

The database update is performed not only on the point accumulation and usage history table 240 but also on the point residue table 250, which is illustrated in FIG. 4B. Compared with FIG. 4A, which is before use in Starbucks, FIG. 4B shows that Starbucks' distribution point is 0 points (451) because Starbucks uses 225 points of distribution points for 350 points of use. Since only 50 points were used, the remaining 25 points (452) were used, while the distribution co-points of the megabox were used 75 points, and the residuals were updated to 25 points (453).

On the other hand, in the database update of step S714, updating all databases together for every point transaction can take a long time due to the implementation of technology. Therefore, when the point transaction occurs, the point usage details basically stored temporarily are stored as in the middle of the night. It may be possible to update the relevant databases in batches when the card transaction is free.

When the point database update is completed as described above, the transaction approval details are notified to the payment terminal of the distributor (S716) to complete all product purchase processes (S718).

After earning and using points as described above, each point affiliated company performs a one-to-one settlement on a monthly or yearly basis. This is performed by post-payment instead of conventional prepaid settlement, since this is possible because the one-to-one settlement is possible between the point earning company and the point distributor based on the point settlement table described above with reference to FIG. 5.

On the other hand, the information shown in Figure 2 to Figure 7 relates to a method of accumulating and using the points in the payment card member card at the time of payment using a payment card such as credit card, debit card, prepaid card.

However, points can be operated by the point operator alone without any involvement of the payer. For example, points can be accumulated and used using the point operator's membership card, such as "OK cash back." 'S membership card is only used to earn and use points without a payment function.

The points earned and used by the point operator alone will be the same as the point operation method accumulated in the membership card of the payer described above.

For example, if the point operator of "OK cash back" has affiliate distributors such as "TTL", "Venigans", "Starbucks", etc., the user makes a cash payment after purchasing a product in Bennigans. When presenting the membership card of the point operator and the membership card will be credited with the distribution itself points and distribution joint points as described above.

As a result, the point earning step using the membership card of the point operator is to purchase the product in the case of earning points on the member card of the point operator when there is a product purchase in the point affiliate distributor distributor of the point operator The distribution points that can be used only by one distributor and the distribution points that can be used in all points participating distributors of the membership card are accumulated, and the accumulated distribution points and the distribution points that are used for the points are recorded. It has a step of recording in the point accumulation and usage history table to be stored.

In addition, in the case of making a product purchase using the points accumulated in the membership card, a point extraction step of extracting the distribution itself points and distribution joint points to be used for the product purchase from the point accumulation and usage history table, and the extracted The product purchase amount is subtracted by using the point with the highest priority among the distribution itself points and the distribution point, and then the points with the next use order are used for the remaining payment amount after deducting the points with the highest priority. A point usage step of subtracting the settlement amount, and a point usage history recording step of recording the detailed usage history of the distribution itself point and the distribution joint point used in the settlement amount deduction in the point accumulation and usage history table.

After earning and using points as described above, each point affiliated company performs a one-to-one settlement on a monthly or yearly basis. This is performed by post-payment instead of the conventional prepaid settlement, since this is possible because one-to-one settlement is possible between the point earning company and the point distributor based on the point settlement table described with reference to FIG. 5.

On the other hand, the description of the embodiment, the process of the point accumulation and use is made through the steps shown in Figs. 6 and 7 using the point accumulation and usage history table shown in Figure 3a, the point accumulation and The usage history table describes an embodiment only when points are earned by a distributor, and an example in which point accumulation is simultaneously performed by a payer as well as a distributor is described below. In the above, the payment company means a credit card company, a bank, etc. that issue payment membership cards such as credit cards, debit cards, and prepaid cards to perform point operations and payments together.

8 is a point accumulation and use history table accumulated points are divided into a distribution itself point, a distribution co-point, a card itself point, a card joint point field.

The distribution point itself 802 is a point that can be used only in the distributor who earned the points as described in the previous embodiment, the distribution co-point 806 is a point that can be used in all point affiliate distributors detailed description Is omitted.

In the present embodiment, the card itself point 806 and the card joint point 808 will be characterized, the card itself point and the card joint point is a payer card for the amount of goods purchased from the point merchant distributor at the card company Points earned separately. The card itself point 806 is a point that can be used only at the corresponding point affiliate distributor, and a point that can be used at all point affiliate distributors. The rate of accumulation is determined autonomously by the payer.

First, the method of earning points, as shown in Figure 8, when there is a product purchase in the point affiliate distributor distributor, a certain amount of product purchase amount is the distribution itself point (802), distribution co-point 804, card itself points 806 is divided into credit card points (808).

For example, suppose a retailer earns 1% of a purchase amount as a distributor or joint points, and an additional 2% is credited as a card itself or joint points at a retailer, so that a total of 3% points are earned. At this time, the points earned by the distributors earned 3/4 of the points to be earned in the distribution itself points, the remaining 1/4 in the distribution common points, the earning rate is determined, the points earned by the card companies earn It is assumed that three quarters of points to be credited to the card itself points and the remaining 1/4 to be credited to the card joint points.

Under the above assumption, as shown in transaction No. 1 transaction of FIG. 8, when a consumer has a purchase of 20,000 won in Starbucks, the card is simultaneously with 200 points, which is a 1% earning rate earned by Starbucks. 400 points are earned, which is earned by the company.

Among the points to be accumulated, 200 points to be accumulated by the distributor, 150 points corresponding to 3/4 is the distribution itself point [detailed transaction number 1- (a)], 50 points corresponding to 1/4 is distributed distribution Points [Detailed Transaction Number 1- (c)] are credited by the credit card company, and 400 points are equivalent to 3/4. 300 points are credited to the card itself points [Detailed Transaction Number 1- (e)]. 100 points corresponding to the credit card points (detailed transaction number 1- (g)) will be credited.

After earning points in the above structure, when the card holder purchases the product using the corresponding card, the point use is made according to a predetermined point use ranking policy as described in FIG. 3B.

If, according to the first-in, first-out method, the first accumulated points are used, and the points earned at the same time are: [distribution points]-> [distribution points]-> [card points]-> [card points] Assuming that the points usage ranking is set, when a points-capable card is submitted for 1300 points from Starbucks as a product purchase, 150 points of distributor's points earned at the time of product purchase from Starbucks [Detailed Transaction Number 1- ( a)], 50 co-distribution points [detailed transaction number 1- (c)], 300 points of the card itself [detailed transaction number 1- (e)], 100 co-card points [detailed transaction number 1- (g)] ], 100 points of distribution joint points [detailed transaction number 2- (c)] and 600 points of card itself [detailed transaction number 2- (e)] will perform 1300 points of payment.

On the other hand, when a specific distributor and a payer issue a partnership card through a business alliance (for example, inserting a Samsung Card function into a Shinsegae Department Store membership card), all distributors other than the business partner with whom the business partner is affiliated (for example, Hyundai Department Store) , Only points from a distributor (e.g. Shinsegae Department Store in the above example) affiliated with a certain percentage (e.g., 3/4 of the points provided by the payer) to the amount of card sales used by the payer card merchants such as Lotte Department Store, etc. There may be an example of crediting points that can be redeemed by the distributors that can be used, and earning a certain percentage (e.g., one-fourth of the points provided by the payer) as joint points that can be used by all points participating distributors. have. Also in this case, the point usage and settlement are processed in the same process as in the above example.

Although the technical spirit of the present invention has been described in detail according to the above-described preferred embodiment, the above-described embodiment is for the purpose of description, and various ordinary embodiments of the present invention may be made by those skilled in the art. I can understand.

As described above, in the present invention, by escaping the existing bulk point earning method and earning points separately for each distributor, the consumer must use the corresponding points in the distributor who earned the points, so the fair points are earned / used. Can be planned. In addition, through the accumulation, since each distributor can settle post-payments for mutually used points, it is possible to overcome the unreasonableness of the conventional third party (payer) to bring the revenue.

Claims (9)

When the point operation server of the broker operating the points for the card payment amount receives a transaction approval request from the payment terminal of the distributor using the payment card of the payer, the requested payment amount of the card transaction approval is sent to the payment server of the payment company. Requesting payment authorization to receive payment approval; A predetermined point for the approved amount of payment is divided into a distribution point that can be used only at the distributor requesting the payment and a distribution point that can be used at all participating distributors of the card, and the accumulated distribution itself A point accumulation step of recording points and distribution points in a point accumulation and usage history table in which details of point accumulation and use are stored; When the point operation server of the point operator operating the points for the card payment amount receives a request for approval of the card transaction by using the points from the distributor's payment terminal, the distribution itself point and the distribution point to be used for the card transaction approval are recalled. A point extraction step of extracting points from the point accumulation and usage history table; Using the points having the highest usage priority among the extracted distribution points and distribution joint points, the payment amount requested for the card transaction approval is subtracted, and the remaining payment amount is subtracted using the points having the highest priority. A point use step of deducting the amount of payment in turn using points of usage rank, A net payment amount payment step of receiving payment approval by requesting payment of a card to a payment server of a payment company for the remaining net payment amount after deducting a payment amount by using both the extracted distribution points and a distribution point; A point usage history recording step of recording the detailed usage history of the distribution itself point and the distribution joint point used for the payment amount deduction in the point accumulation and usage history table; Sending the payment details of the card transaction to the payment terminal of the distributor How to earn and use points when purchasing products with. In the event that a point retailer of a point operator has a product purchase, points are accumulated on the member card of the point operator, Points earned are credited to the distribution points that can be used only by the distributor who purchased the product and the distribution points that can be used by all participating distributors of the membership card, and the accumulated distribution points and the distribution points A point accumulation step of recording a point accumulation and usage history table in which details of accumulation and use are stored; In the case of making a product purchase using the points accumulated in the membership card, a point extraction step of extracting the distribution itself point and the distribution joint point to be used in the product purchase from the point accumulation and usage history table; Deduct the purchase amount of the product by using the highest priority among the extracted distribution points and the distribution point, and use the points of the next use level for the remaining payment amount after deducting the points with the highest priority. Step by step to deduct the payment amount, The point usage history recording step of recording the detailed usage history of the distribution itself point and the distribution joint point used for the payment amount deduction in the point accumulation and usage history table. How to earn and use points when purchasing a product equipped with. The method according to claim 1 or 2, wherein earning by dividing the distribution itself points and the distribution joint points in the point accumulation step, the distribution points and the distribution joint points according to a pre-determined ratio of points to be accumulated according to the settled card payment amount. How to earn and use points when purchasing a product, characterized in that earned by dividing each point. The point of use according to claim 1 or 2, wherein the priority of use of points in the point use phase is determined by priority of use between the distribution point and the distribution point in accordance with the distributor and the payer. How to earn and use. The method according to claim 1 or 2, wherein the date and time of transaction occurrence, payment amount, transaction type, accumulated distributor, distribution point, and distribution point are recorded in the point accumulation and usage history table in the point accumulation step. How to earn and use points when purchasing products. According to claim 1 or claim 2, characterized in that the point of transaction occurrence in the recording point usage history, the distributor using the point, the used distribution point itself, the used distribution joint point is recorded in the point accumulation and usage history table How to earn and use points when purchasing products. The method of claim 1 or 2, wherein the record of point usage history is updated after the approval of the transaction and the database is updated after the final approval of the transaction due to the purchase of the document. How to. The method of claim 1 or 2, further comprising a one-to-one post-payment of points earned / used between the distributor who provided the points and the distributors using the points. How to earn and use. The method of claim 1, wherein the accumulation and use of points are divided into credit card points that can be used only in the member card of the payer used to pay the card at the time of purchase, and card joint points that can be used in all member cards of the individual of the payer. How to earn and use the points when purchasing the product, characterized in that it further comprises being able to earn and use.