KR20050053874A - System and method for managing royalty service with smart card - Google Patents

Abstract

The present invention relates to a loyalty service management system using a smart card and a method thereof.

Loyalty service management system and method using a smart card, by converting the loyalty point for each merchant to the integration point in accordance with the integration rules of the corresponding merchant in the smart card, to specify as many integration points required by the user at the user's request It can be used at merchants, and the integration and usage history of the integration points stored in the smart card can be transmitted to the real-time royalty management server, eliminating the inconvenience of users who need to integrate the loyalty points and maximizing the service effect at the merchants. However, any loyalty service merchant can use the integration point freely regardless of online / offline.

Description

Loyalty service management system using smart card and its method {SYSTEM AND METHOD FOR MANAGING ROYALTY SERVICE WITH SMART CARD}

The present invention relates to a loyalty service management system using a smart card, a method system thereof, and a method thereof, and more particularly, to a loyalty service management system using a smart card that can freely use an integrated point regardless of online / offline. It is about.

The loyalty service sends a loyalty point generated by purchasing a product to a loyalty management server operated by a corresponding service provider by visiting a member store where a smart card user subscribes to a loyalty service online or offline.

The loyalty management server accumulates loyalty points and converts loyalty points generated at various affiliates into integration points. The smart card user then uses the integration point online.

However, in order to convert loyalty points in various affiliates to integration points, loyalty points generated through the terminal of the merchant and the user terminal on the online must be transmitted to the loyalty management server of the service provider.

Loyalty points transmitted to the service provider's loyalty management server are converted into integration points through the affiliated stores' policies and integration rules.

In order to use his loyalty points, the user may first connect to the loyalty management server through a network and then authenticate and use loyalty points.

In this case, merchants offering loyalty points are difficult to guarantee the efficiency and profitability of the business, and smart card users can integrate, authenticate, and loyalty points to use loyalty points generated by purchases at one merchant at another merchant. There is a problem that it is cumbersome and inconvenient to receive the history about.

The technical problem to be achieved by the present invention is to convert the loyalty point for each merchant in the smart card itself to the integration point by applying a certain ratio in accordance with the corresponding integration rules, and the smart card to use this integration point freely online / offline It provides a royalty service management system and a method thereof.

In order to solve this problem, the present invention performs settlement of loyalty points and conversion of integrated points in the smart card by itself, and transmits the loyalty service related information stored in the smart card to the loyalty management server through online. .

Loyalty service management system using a smart card according to the first aspect of the present invention, in the loyalty service management system using a server smart card that provides a loyalty service by a smart card, a service terminal, and a loyalty management server, the smart card Stores the loyalty policy and integration rules for each of the loyalty service affiliates, generates loyalty points according to the loyalty policy for each affiliate, and converts the loyalty points into integration points by applying an application ratio according to the integration rules for each affiliate. Royalty applet; And a payment processing unit for using the integrated points converted by the loyalty applet unit in the loyalty service affiliate store as much as a user-specified point score.

The loyalty applet unit, a loyalty policy storage unit for storing a loyalty policy applied when generating loyalty points by using a unique identifier (ID) for each affiliated store; An integration rule unit for storing an integration rule for converting the loyalty points for each affiliated store ID into an integration point; And a point generator for generating the loyalty point and converting the integration point to the loyalty policy storage unit or the integration rule unit.

The loyalty service management system using a smart card according to the second aspect of the present invention, in the loyalty service management system using a server smart card that provides a loyalty service by a smart card, a service terminal, and a loyalty management server, the service terminal An input unit for inputting a user command for processing the royalty service; A control unit which reads integration point information in which loyalty points for each affiliated store stored in the smart card are converted according to a predetermined integration rule according to a user command input by the input unit, and performs general control operations on the use of the integration points; A card reader for allowing the smart card and the controller to communicate with each other when the smart card is inserted; An application program driver configured to process integration point information input from the smart card by a control operation of the controller, and perform a calculation operation; And a communication unit connected to the royalty management server through a network to transmit and receive the integrated point related information.

A card authentication unit which, when connected to the smart card by the card reader, verifies the validity of the card by determining whether the smart card is forged / modulated; A display unit which outputs a royalty service process content according to the user command to a user by a control operation of the controller; And a data storage unit for storing a program and data for processing the royalty service.

In the loyalty service management system using a smart card according to the third aspect of the present invention, in the loyalty service management system using a server smart card that provides a loyalty service by a smart card, a service terminal, and a loyalty management server,

The loyalty management server is connected to the service terminal through a network, and when the service terminal requests payment processing of a product using the integration point or a certain amount of money, the loyalty management server connects to the payment processing related financial institution to perform normal payment processing of the product. A payment processing unit to perform; And a loyalty service database configured to receive, from the service terminal, integration point information for converting the loyalty points for each affiliated store stored in the smart card by a certain integration rule, and use history of the integration points.

Loyalty service management method using a smart card according to a fourth aspect of the present invention, in the loyalty service management method using a server smart card that provides a loyalty service by a smart card, a service terminal, and a loyalty management server, A) Generating a loyalty point according to the loyalty policy of the affiliated store when the smart card purchases a product at the loyalty service affiliated store; B) storing the loyalty point generated in step A) together with the unique identifier for each affiliated store and converting the loyalty point into the integrated point by applying a predetermined ratio according to the integrated rule for each merchant ID; And C) when the product is purchased using the integration point, the step of converting the user-specified integration point score to a predetermined amount and the payment process.

The step C) may include: i) the smart card accessing the service terminal to display an integration point usable in the service terminal; Ii) inputting a point score required by the user within the available integration points indicated in step iii); And iii) subtracting the point score input by the user from the integration point and storing the remaining integration points when the payment processing of a specific product is completed using the point score input by the user in step ii). Do.

Iii) When the step iii) is completed, the service terminal may further include a step of accessing a network in real time to the loyalty management server.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention. Like parts are designated by like reference numerals throughout the specification.

First, a royalty management system using a smart card according to an embodiment of the present invention will be described in detail with reference to FIG. 1.

1 illustrates a configuration of a loyalty management system using a smart card according to an embodiment of the present invention. FIG. 2 illustrates a detailed configuration of a smart card, which is a component of FIG. 1, FIG. 3 illustrates a detailed configuration of a service terminal, which is a component of FIG. 1, and FIG. 4 is a partial component of FIG. 1. Detailed configuration of the loyalty management server is shown.

As shown in FIG. 1, the loyalty management system using the smart card according to the first embodiment of the present invention includes a smart card 100 possessed by a user, a service terminal 200 provided for each affiliated store, and a service provider. And a royalty management server 300.

As shown in FIG. 2, the smart card 100 includes a royalty applet 110 and a payment processor 120, but is not limited thereto.

The loyalty applet 110 is a loyalty application, and stores loyalty policy and loyalty integration rules for each franchise, thereby generating and storing loyalty points for each merchant generated through the purchase of the product as integration points.

To this end, the loyalty policy storage unit 11 stores and stores the loyalty policy added for each merchant ID according to the price of the product for each affiliate or the number of times of use. The integrated rule unit 112 stores the integrated rules for converting the loyalty points, which are differently divided for each affiliate, into the integrated points.

The point generator 113 converts the loyalty points for each affiliate into an integrated point by applying the integrated rules stored in the unified rule unit 112, and generates the loyalty points with reference to the loyalty policy storage 111. The data storage unit 114 stores the integration point converted by the point generator 113.

The payment processing unit 120 performs various functions related to payment processing so that the user uses the integration point stored in the loyalty applet 110, and reduces the points paid by the user from pre-stored integration points.

The service terminal 200 authenticates the smart card through the network and accesses the loyalty management server to transmit the integration point usage history and the integration point information.

The service terminal 200 may include a card reader 210, a card authentication unit 220, an input unit 230, a display unit 240, a data storage unit 250, a communication unit 260, an application program driver 270, and a control unit ( 280).

The card reader 210 reads the smart card 100 to interface with the control unit 280, and the card authentication unit 220 determines whether the smart card 100 is forged or tampered with and demonstrates the justification.

The input unit 230 receives a command from a user for processing royalty services such as granting, accumulating, and using royalty points.

The display unit 240 communicates with the smart card 100 by the control operation of the controller 280 to display the processing details such as the use, addition, and subtraction of the integration point to the user.

The data storage unit 250 stores programs and data necessary for a royalty service.

The communication unit 260 is connected to the loyalty management server 300 through a network to allow mutual data to be transmitted and received.

The application program driver 270 processes data input from the smart card 100 through the card reader 210, and performs all operations related to royalty services.

The controller 280 communicates with the smart card 100 or the loyalty management server 300 to control all operations related to the loyalty service.

The royalty management server 300 stores and manages the integration details of the loyalty points for each affiliate store transmitted from the service terminal 200 and the use of the integration points.

The royalty management server 300 includes, but is not limited to, a communication unit 310, a payment processing unit 320, and a royalty service database 330.

The communication unit 310 is connected to the service terminal 200, financial institutions, and other related operators to communicate with each other.

The payment processing unit 320 connects with a financial institution so that a user pays an integrated point or a predetermined amount and processes a normal payment for a purchased product.

The royalty service database 330 stores information on integration point integration history, usage history, and the like transmitted to the service terminal 200.

Next, with reference to Figures 5 to 6 will be described in detail the operation of the royalty service management system using a smart card according to an embodiment of the present invention.

5 is a flowchart illustrating a process of generating a loyalty point applied to an embodiment of the present invention, and FIG. 6 is a flowchart of a loyalty service management method using a smart card according to an embodiment of the present invention.

As illustrated in FIG. 5, when a user purchases a specific item at a merchant that grants loyalty points using the smart card 100, the merchant selects a payment service for the purchased item at the service terminal 200. (S1)

The card input guide message is output to the display unit 240 of the service terminal 200 (S2), and when the smart card is inserted into the card input port of the service terminal, the user card authentication operation is performed (S3).

The controller 280 requests a preset password input to the smart card 100, and if the user inputs the correct password through the input unit 230, the validity of the user is verified.

When the user authentication is completed, the card authentication unit 220 may authenticate the validity of the smart card, and the smart card may also determine whether the service terminal 200 is valid.

 In the case where the use of the smart card is not possible through the above authentication procedure, a usage guide message is output to the display unit 240 (S4 and S5).

However, when the smart card can be used, the smart card 100 retrieves the ID of the affiliated store stored in the data storage 250 of the service terminal 200 and compares the contents stored in the loyalty policy storage () to pay. Wait for processing

The control unit 280 of the service terminal 200 outputs a payment processing input message through the display unit 240 and inputs a payment medium such as cash or a credit card and a purchase amount (S6).

Payment processing is performed through the payment processing unit 120 of the smart card 100 and the application program driver 270 of the service terminal 200, and at this time, the loyalty point is generated by the point generation unit 113 according to the loyalty policy through the merchant ID. (S7)

The generated royalty points are stored together with the affiliate store ID in the data storage unit 114 of the smart card 100.

Referring to FIG. 6, in the loyalty service management method using a smart card according to an exemplary embodiment of the present invention, in the point generation unit 113, the loyalty point for each affiliated store stored in the data storage unit 114 of the smart card is an affiliate store ID. Called with (S21)

If the integration rule does not exist in the integration rule unit 112, the point generation unit 113 is impossible to generate the integration point (S22, S23), but if there is an integration rule according to the merchant ID to apply the loyalty point to the integration point Determine the ratio for switching (S24).

The point generation unit 113 converts the loyalty points into the integration points according to the ratio determined according to the integration rule. (S25) The generated integration points are stored in the data storage unit 114 of the smart card 100 in the past. Accumulated and stored at the integrated point of time (S26).

When the user requests the use of the integration point in a particular affiliated store (S27), the user and card authentication are performed between the service terminal 200 and the smart card 100. (S28)

If the user and the card authentication is not processed normally, the control unit 280 outputs an unavailable guide message to the display unit 240 (S29, S30), and if the user and card authentication is processed normally, the control unit 280 is a card reader ( The integration point stored in the data storage unit 114 of the smart card 100 is called up through the display unit 210 to display the integration point usable on the display unit 240 (S31).

When the user inputs a point score required by the user through the input unit 230 at the available integration point (S32), the controller 280 performs a payment processing operation together with the point score input by the user. (S33)

At this time, the communication unit 260 of the service terminal 200 is connected to the loyalty management server 300 through the network to convert the point score to a predetermined amount to use.

The royalty management server 300 completes the payment processing required by the service user in connection with the financial institution through the payment processing unit 320.

At this time, if the payment using the point score is not normally processed, the service terminal 200 outputs a payment processing failure message to the display unit 240 (S34).

However, if payment is normally processed, the payment processing unit 120 of the smart card 100 subtracts the currently used point score from the integration point and stores the integrated point in the data storage unit 114 (S35).

In addition, the service terminal 200 transmits the usage history of the integration point and the current integration point information to the loyalty management server 300, and the loyalty management server 300 sends the integration point related information to the loyalty service database 330. Record all (S36)

When the user terminates the loyalty service, the service terminal 200 requests the loyalty management server 300 to terminate the session establishment and, upon receiving a normal termination request response from the loyalty management server 300, sends the smart card 100 to the user. Exit from the card slot and end the loyalty service.

Although the preferred embodiment of the present invention has been described in detail above, the present invention is not limited thereto, and various other changes and modifications are possible.

As such, the loyalty service management system and method using the smart card according to the present invention converts the loyalty points for each affiliated store to the integrated point according to the integration rule of the corresponding merchant in the smart card, so that the user can convert the integrated point to any loyalty service affiliated store. There is an effect that can be used freely.

In addition, the loyalty service management system and method using the smart card according to the present invention, by transmitting the integration and use history of the integration point stored in the smart card to the real-time loyalty management server inconvenience of the user required for the integration of the existing loyalty point It has the effect of eliminating the problem and maximizing the service effect at the merchant.

1 illustrates a configuration of a loyalty management system using a smart card according to an embodiment of the present invention.

2 illustrates a detailed configuration of a smart card which is a part of FIG. 1.

3 illustrates a detailed configuration of a service terminal, which is a part of FIG. 1.

4 illustrates a detailed configuration of a royalty management server that is a part of FIG. 1.

5 is a flowchart illustrating a process of generating a loyalty point applied to an embodiment of the present invention.

6 is a flow chart of a royalty service management method using a smart card according to an embodiment of the present invention.

Claims (10)

In a loyalty service management system using a smart card, a service terminal, and a server smart card that provides a loyalty service by a loyalty management server, The smart card, A loyalty applet that stores the loyalty policy and integration rules for each of the loyalty service affiliates, generates loyalty points according to the loyalty policy for each affiliate, and converts the loyalty points into integration points by applying an application ratio according to the integration rules for each affiliate. part; And Payment processing unit to use the integrated points converted by the loyalty applet in the loyalty service merchants as much as the point score designated by the user Loyalty service management system using a smart card comprising a. The method of claim 1, The royalty applet unit, A royalty policy storage unit that stores a royalty policy applied when a royalty point is generated using the unique identifier for each affiliate store; An integration rule unit for storing an integration rule for converting the loyalty points for each affiliated store ID into an integration point; And A point generation unit for generating the loyalty point and converting to the integration point by referring to the loyalty policy storage unit or the integration rule unit. Loyalty service management system using a smart card comprising a. The method of claim 2, Loyalty service management system using a smart card further comprises a data storage unit for storing the integrated point information converted by the point generating unit, the integrated point information subtracted by the point used by the user. In a loyalty service management system using a smart card, a service terminal, and a server smart card that provides a loyalty service by a loyalty management server, The service terminal, An input unit to which a user command for processing the royalty service is input; A control unit which reads integration point information in which loyalty points for each affiliated store stored in the smart card are converted according to a predetermined integration rule according to a user command input by the input unit, and performs general control operations on the use of the integration points; A card reader for allowing the smart card and the controller to communicate with each other when the smart card is inserted; An application program driver configured to process integration point information input from the smart card by a control operation of the controller, and perform a calculation operation; And A communication unit connected to the loyalty management server through a network to transmit / receive the integrated point related information Loyalty service management system using a smart card comprising a. The method of claim 4, wherein A card authentication unit which, when connected to the smart card by the card reader, verifies the validity of the card by determining whether the smart card is forged / modulated; A display unit which outputs a royalty service process content according to the user command to a user by a control operation of the controller; And Data storage unit for storing the program and data for processing the royalty service Loyalty service management system using a smart card further comprising. In a loyalty service management system using a smart card, a service terminal, and a server smart card that provides a loyalty service by a loyalty management server, The loyalty management server, A payment processing unit connected to the service terminal through a network, and when the service terminal requests payment processing of a product using the integrated point or a predetermined amount of money, accesses the payment processing-related financial institution and performs normal payment processing of the product; And Loyalty service database for receiving and storing the integration point information, the integration point usage history of converting the loyalty point for each affiliated store stored in the smart card by a certain integration rule from the service terminal Loyalty service management system using a smart card comprising a. The method of claim 6, Loyalty service management system using a smart card further comprises a communication unit to be connected to the service terminal or a financial institution through a network. In a loyalty service management method using a server smart card that provides a loyalty service by a smart card, a service terminal, and a loyalty management server, A) generating a loyalty point according to the loyalty policy of the affiliated store when the smart card purchases a product at a loyalty service affiliated store; B) storing the loyalty point generated in step A) together with the unique identifier for each affiliated store and converting the loyalty point into the integrated point by applying a predetermined ratio according to the integrated rule for each merchant ID; And C) when the product is purchased using the integration point, processing the payment by converting a user-specified integration point score into a predetermined amount Loyalty service management method using a smart card comprising a. The method of claim 8, Step C) is Iii) the smart card connecting with the service terminal to display an integration point usable in the service terminal; Ii) inputting a point score required by the user within the available integration points indicated in step iii); And Iii) when the payment processing for a specific product is completed using the point score input by the user in step ii), subtracting the point score input by the user from the integration point and storing the remaining integration points Loyalty service management method using a smart card comprising a. The method of claim 9, Iii) when the step iii) is completed, the service terminal further comprises the step of connecting to the network and transmitting the integration point related information and usage history information to the loyalty management server in real time.