KR20050075620A - Method for accumulating and using banking-point coordinated by customer - Google Patents

Abstract

The present invention integrates and accumulates points generated through banking, receiving goods and financial transactions and commerce with affiliates, and makes the points available for various transaction fees, free gifts, cash back, and intangible services. It relates to how to earn integrated banking points for each customer and how to use them.

The method of earning the banking points of the present invention comprises the steps of setting the banking point calculation criteria for each company, product, and transaction, and creating and managing point ledgers for each customer as the customer applies for the banking point service, and the customer's bank and Obtain financial transaction information with partner companies to calculate points based on the calculation criteria and accumulate points in the customer's point ledger, and for each customer, company, product, and transaction based on the calculated points. Comprising a point for each point, and checks the consistency of the banking point is made.

Description

How to earn and use integrated banking points by customer {Method for accumulating and using banking-point coordinated by customer}

The present invention relates to a banking point service on a bank transaction, and more specifically, to accumulate points for each customer generated through banking, receiving goods, and financial transactions, and the like, and the points for various transaction fees, gifts, cashbacks, and The present invention relates to an integrated banking point earning method for each customer and a method of using the intangible service.

Recently, in order to attract customers and promote products online and offline, mileage point services have been introduced for e-commerce, product purchase, and service use. These mileage points are rewarded by customers because they reward a portion of the customer's purchase and transaction amount later, and help increase the sales of the company.

However, these point services are mainly used for electronic commerce and service use on the Internet, and are not widely used in financial transactions of banks.

In addition, recently, a method of granting a certain point to a customer's financial transaction and using the accumulated points can be used for fee reduction and deduction generated during the financial transaction.

However, this method only accumulates points for financial transactions at the banks, and does not integrate and manage points for financial transactions and online commerce at other banks. In addition, since the benefits of points are limited to fee reductions, they do not provide a variety of points.

Accordingly, the present invention is to solve the above-mentioned conventional problems, an object of the present invention is to integrate the banking point according to various on / offline transactions as well as financial transactions in other banks, and to integrate and manage the points for each customer. According to the customer's preference, it can be used for reduction of transaction fee, free gift, cashback, intangible service, point transfer / acquisition, etc., which not only enhances customer convenience but also effectively increases customer attraction and sales of various financial products. To provide integrated banking points for each customer and how to use them.

Integrated banking point earning method for each customer to achieve the object of the present invention comprises the steps of setting the banking point calculation criteria for each company, product, and transaction; Generating and managing a point ledger for each customer as the customer applies for a banking point service; Obtaining the transaction information in the financial transaction with the customer's banks and affiliates to calculate the points based on the calculation criteria and accumulate the points in the customer's point ledger; And counting points for each customer, company, product, and transaction based on the calculated points, and checking the consistency to manage the banking points.

In addition, a method for using a customer-specific integrated banking point to achieve the object of the present invention, the step of setting the available point services for each point earned amount; The customer applies for the use of their earned points; Determining whether the customer is a target customer of the requested point use service based on the credit rating of the customer and the amount of points accumulated; If the target customer, processing the requested point use service, and increasing or subtracting points from the point ledger of the customer by the amount of the use; And updating the relevant information system DB based on the increase and decrease of the customer points, and calculating and managing the point exhausted aggregate information.

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

1 is a schematic conceptual diagram of an integrated banking point system according to the present invention.

Referring to FIG. 1, in the integrated banking point system of the present invention, a customer may use a financial transaction online or online with affiliates 101, a bank 102 of a company or a third party, and an Internet online company 103. The transaction is performed, and the transaction information or point information is transmitted to the banking point server 200 of the present invention.

Here, the transaction information is information such as the identification information of the customer, the bank and branch of the customer, the transaction product, the transaction amount, and the transaction time, and the point information is the customer's financial transaction or It includes the point amount information, customer identification information, and corresponding company information given to the e-commerce.

Meanwhile, the banking point server 200 is provided with a point ledger 201 for each customer in response to the banking point service application of the customer, and the banking point server 200 has a predetermined point in the transmitted transaction information or point information. After calculating the amount of points for the transaction by applying the calculation criteria will be credited to the point ledger 201 of the customer. At this time, the point amount is adjusted by applying the weight of each company without applying the point information from the partner or the online company as it is.

In addition, the banking point server 200 updates the point ledger 202 for each product / transaction and the ledger for each company / branch based on the transmitted transaction information or point information. In addition, point aggregation information for each product, point aggregation information for each transaction, and point aggregation information for each company and branch are calculated and stored and managed through the aggregation information DB 205.

In addition, the customer credit information is extracted with reference to the customer credit information DB (207) and managed through the bad credit ledger (203).

On the other hand, customers can use the accumulated points as described above to reduce fees incurred in financial transactions such as deposit withdrawal, loans, and bank transfers, or convert them into foreign exchange mileage or cash back them. have. In addition, if the amount of points is more than a predetermined amount can be applied for intangible services, such as travel tickets, gift certificates, movie tickets, etc., or can be applied to discounts for them, and can apply for a free gift.

As another point use example, the customer may transfer the accumulated points to another person or may be transferred from another person. At this time, the customer may be set to automatically transfer some or all of his or her earning points to others.

According to the customer's use of the point, the banking point server 200 increases and decreases the point by the amount of use in the customer's point ledger 201, and points by product / transaction point ledger 202, by company / branch The ledger 204 and the aggregate information DB 205 are updated and managed.

In addition, the manager system 208 monitors the point counting information as described above, point accumulation and usage history information for each customer, and bad credit customer information.

Customers can view their transactions, points earned and redeemed through branch terminals on the Internet and company networks. In addition, the customer may set whether or not to apply for or cancel a banking point service, where to use the point or use the service (that is, whether to apply fee reduction, foreign currency mileage conversion, cashback, transfer / transfer, intangible service / gift items, etc.), The server 200 stores and manages such setting information through the customer-specific setting information DB 206.

In the present invention, the banking point server 200 is to manage each customer point ledger separately through the social security number of the customer in order to integrate and manage the banking point of the customer generated through a number of affiliates and banks consistently desirable.

2 is a conceptual diagram of a customer banking point earning system in the banking point server 200.

Referring to FIG. 2, the banking point server 200 calculates a point for each company for various transaction information including customer reception and credit transactions received from a bank branch and an affiliate bank, and customer point information received from an affiliate. DB (209), point calculation DB (210) for each transaction, point calculation DB (211) for each product, automatic transfer degree DB (212), customer credit information DB (207) points for the transaction according to a predetermined criteria Calculate the details of points for each customer.

Examples of the points to be calculated include the average balance of goods, whether the National Housing Fund loans are executed, whether or not the housing subscription deposit is being made, Internet banking, telebanking, automated equipment, foreign exchange trading, automatic payroll transfer, utility bill transfer, etc. It can be the number of transactions and the amount of transactions per month. In addition, the present invention is to calculate the points according to the contribution profit and profit by combining the products with similar contribution profit in calculating the points for each product.

In addition, the present invention preferably does not give points when the points calculated for the one-month transaction is below a certain standard.

The automatic transfer rate DB 212 stores the point transfer rate information set by the customer to transfer some of his / her own points to others, for each customer, and the banking point server 200 refers to some of the points calculated by referring thereto. As the detailed information of the points of other customers.

In addition, the customer credit information DB 207 is referred to to reject credit points for the bad credit customer, and to create a bad credit ledger.

In the customer-specific point detail information, transaction detailed information such as a trading company, a trading product, a trading time, and information such as a point calculation amount and an applied point calculation standard are recorded.

When the detailed point information for each customer is completed as described above, the point ledger for each customer 201, the point ledger for each product / transaction 202, the bad credit customer ledger 203, and the company / branch count ledger 204 are based on this. Update, and aggregate the points by each product and transaction, company or branch through the ledger DB to build the aggregate information DB (205). Also, the point matching DB 213 checks the consistency of the point calculation based on the aggregate information.

The manager system 208 accesses the aggregate information DB 205 and aggregates and analyzes points for each customer, product, and company / branch. If the aggregated points are not matched, the manager system 208 forcibly adjusts the points to perform point matching. do.

On the other hand, a customer accesses the customer-specific point ledger DB 201 through the Internet or a branch terminal terminal, the customer's transaction history and points earned and used history is inquired.

At this time, the customer should check the average balance of the commodities that are the source of the point calculation, the execution of the National Housing Fund Loan, the housing subscription deposit window, Internet banking, telebanking, automated equipment, foreign exchange profits, automatic payment of funds, and automatic payment of utility bills. You can search the number of transactions and the amount of money for one month such as transfers.

On the other hand, Figure 4 is a flow chart for the banking point earning process as described above.

Referring to FIG. 4, in the point earning process of the present invention, a customer first applies for a banking point service according to the present invention through on / offline, and the banking point server 200 generates a banking point ledger for the customer. (S401)

In this state, when a customer performs a financial transaction or commerce at a branch or an affiliate of a bank, the system of the corresponding company transmits the transaction information or the point information assigned by itself to the banking point server 200. S402)

Accordingly, the banking point server 200 first checks whether the banking point service is subscribed to the customer and whether or not the credit is poor, thereby determining whether the customer is a target customer for accumulating points.

If the target customer, by applying the point calculation criteria as described in Figure 2 above to calculate the appropriate point amount for the transaction to build point details for each customer (S404) based on the customer point ledger ( Earn points in 201) and update and manage each ledger DB. (S405)

Then, the point aggregation information is calculated and the point consistency is checked, and if necessary, the point aggregated through the point adjustment is matched (S406).

3 is a conceptual diagram of a system for using an integrated banking point in the banking point server 200.

Referring to FIG. 3, in using a banking point, a customer may use his / her earned points for various fee reductions and exemptions generated during financial transactions. In other words, bank remittance fee, Internet banking fee, telebanking fee, automated device use fee, card reissue fee, payer's direct transfer fee, loan deposit fee, protection deposit fee, cashier's check issuance fee, teller transaction fee, certificate issue fee It can be used for reporting accident fees, bank account reissue fees, and cashier's check collection fees.

In addition, the customer can transfer his or her earned points to another customer, or can be transferred from another person, and can also be exchanged with an account of a banking point service of another company (bank).

In addition, customers can convert points into foreign currency mileage or cash back by cashing back. In addition, if a certain point or more can be used to apply for intangible services, such as movie tickets, travel vouchers, health checks, etc., it can be used in exchange for a predetermined gift.

The banking point server 200 increases or subtracts points by the amount used in the corresponding customer point ledger 201 of the account system DB 301 according to the use of the customer's points.

In addition, the banking point server 200 forcibly adjusts the customer's point based on a predetermined criterion when the aggregation point is not matched. The banking point server 200 increases or decreases the customer's point by a predetermined amount.

Meanwhile, the banking point server 200 constructs an information system LOG 302 based on the point change of the account system DB 301 as described above. The point usage history information, point transfer / acquisition information, and foreign exchange mileage conversion information , Cashback information, special transaction information, intangible service application / gift giveaway information, and point depletion information.

Then, the point exhaustion aggregate information DB 303 is built on the basis of the information system LOG to manage the use of the banking point.

5 is a flowchart illustrating a process of using an integrated banking point for each customer according to the present invention.

Referring to FIG. 5, in the process of using a banking point, a customer first applies for use of a point on the Internet or a store terminal for fee reduction of a financial transaction, application for intangible service / gifts, transfer of points, cashback conversion, etc. (S501).

Accordingly, the banking point server 200 determines whether the customer is a target customer of point use. The banking point server 200 checks whether the customer is a point use service set by the customer through customer setting information, and checks whether the customer is a bad credit customer through customer credit information. It is determined whether the target customer by checking. (S502)

On the other hand, if it is determined that the customer is eligible for the point, the banking point server 200 processes the corresponding point use service according to the application of the customer, and at the same time, deducts or decreases the point by the amount of use from the point ledger of the customer and updates the relevant DBs. (S506)

At this time, the present invention is a preferred embodiment, it is possible to apply for the point use service differentially according to the amount of points accumulated by the customer.

That is, points can be applied to point-using services such as point transfer / transfer, cashback conversion, and foreign currency mileage conversion, regardless of the amount of accumulation (S503). (S504)

In addition, intangible services or gifts are to be applied only to customers who have accumulated more than 30,000 points points (S505).

On the other hand, if the customer is not eligible for point use will incur a fee for a financial transaction or refuse to apply for point use (S507).

As described above, the customer-specific integrated banking point earning and use method according to the present invention, the banking point according to various on / offline transactions in the other banks for each customer integrated management and the point according to the customer's taste By enabling transaction fee reduction, free gift giving, cashback, point transfer / transfer, etc., it is possible to promote convenience and profits of customers and effectively increase customer attraction and sales of various financial products.

What has been described above is only one embodiment for implementing the customer-specific integrated banking point earning and its use method according to the present invention, the present invention is not limited to the above embodiment, it is claimed in the claims below Without departing from the gist of the present invention, any person having ordinary knowledge in the field of the present invention will have the technical spirit of the present invention to the extent that various modifications can be made.

1 is a schematic conceptual diagram of an integrated banking point system according to the present invention.

2 is a conceptual diagram for the integrated banking point earning according to the present invention.

3 is a conceptual diagram for the use of integrated banking point in accordance with the present invention.

Figure 4 is a flow chart showing a process for earning integrated banking points for each customer according to the present invention.

5 is a flowchart illustrating a process of using an integrated banking point for each customer according to the present invention.

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

101: affiliate 102: bank

103: online company 200: banking point server

201: Point Ledger by Customer 202: Point Ledger by Product / Transaction

203: Bad credit ledger 204: Aggregate ledger by industry / branch

205: Aggregate information DB 206: DB for each customer setting information

207: customer credit information DB 208: manager system

211: DB for product point calculation

212: Automatic Assignment DB 213: Point Consistency DB

301: account system DB 302: information system LOG

303: exhausted point information DB

Claims (15)

(a) establishing banking point calculation criteria by company, product, and transaction; (b) generating and managing a point ledger for each customer as the customer applies for a banking point service; (c) acquiring the transaction information in the financial transaction with the customer's banks and affiliates, calculating points based on the calculation criteria, and accumulating the points in the customer's point ledger; And (d) counting points by customer, company, product, and transaction based on the calculated points, and checking the consistency to manage banking points; integrated banking point earning method for each customer, comprising: . The method of claim 1, wherein step (a) comprises: The method of earning integrated banking points for each customer, characterized in that the profit and loss is divided into similar product groups, and the point calculation system is different, and point weights are applied differently according to the bank and the partner company. According to claim 1, wherein step (b), The method of earning integrated banking points for each customer, characterized in that the customer's banking points for a plurality of affiliates are integrated and managed by dividing the point ledger for each customer by the customer's social security number. The method of claim 1, wherein step (c) comprises: The method of earning integrated banking points for each customer, which checks whether the customer has a bad credit and does not give points to the bad credit customer. The method of claim 1, wherein step (c) comprises: Points to the customer's monthly transactions, Average balance of commodities, execution of national housing fund loans, whether to make deposits for housing subscription deposits, Internet banking, telebanking, automated equipment, foreign exchange profits, payroll automatic transfer, utility bill transfer for one month and transaction amount Comprehensive banking point for the customer's one month of the transaction to calculate the integrated banking point earning method, characterized in that to accumulate it in the customer point ledger. The method of claim 5, wherein step (c) comprises: If the points calculated for a month is less than a certain criterion, the method of earning integrated banking points for each customer, characterized in that the points are not accumulated in the customer point ledger. The method of claim 1, wherein step (c) comprises: Have customer set up automatic pumping, The method of earning integrated banking points for each customer, characterized in that the accumulation of some or all of the calculated points on the basis of the automatic transfer to the point ledger of another customer. The method of claim 1, wherein step (c) comprises: When the customer obtains the point information according to the customer's transaction from the partner, integrated banking point earning method for each customer, characterized in that the points earned according to the weight of the company to convert to the banking point earned in the customer point ledger. (a) setting available point services for each point accumulation amount; (b) the customer applies for the use of their earned points; (c) determining whether the customer is a target customer of the requested point use service based on the credit rating of the customer and the amount of points accumulated; (d) if the target customer, processes the requested point use service, and increases or decreases points in the customer's point ledger by the amount of the use; And (e) updating the related information DB based on the increase and deduction of the customer points, and calculating and managing the point exhaustion aggregate information. The method of claim 9, wherein the integrated banking point use method comprises: How to use the integrated banking point for each customer characterized by providing fee reduction of financial transactions, conversion of foreign exchange mileage, application of intangible service, gift giveaway, cash-back conversion, and point transfer / acquisition service . The method of claim 10, wherein step (a) comprises: Point transfer / transfer and foreign exchange mileage conversion services can be applied regardless of the amount of points accumulated, Fee reduction and cashback conversion services for financial transactions can be applied only if the point accumulation amount is more than the first point threshold. How to use the integrated banking point for each customer, characterized in that the application for intangible service and free gift service is set to apply when the amount of points accumulated is more than the second point threshold. The method of claim 10, wherein the integrated banking point is used. As a fee reduction service for financial transactions, bank teller remittance fee, Internet banking fee, telebanking fee, automated equipment use fee, card reissue fee, payer's direct transfer fee, loan deposit fee, protection deposit fee, cashier's check issuance fee, window transaction A method of using an integrated banking point for each customer, wherein the earning points can be used for various fees including fees, certificate issuance fees, accident report fees, bank account reissue fees, and cashier's check collection fees. The method of claim 9, wherein step (c) comprises: Allow the customer to set his or her point-enabled service, and determine whether or not the target customer is based on whether the requested service is included in the set-use service; How to use the integrated banking point for each customer characterized in that by checking the customer credit rating and refusing the use of points for the poor credit customers. The method of claim 9, wherein the integrated banking point use method comprises: Customer-specific integrated banking points, which can be transferred to another customer by the customer's application, or can be transferred from another person, and points can also be exchanged with accounts of banking point services of affiliated companies. How to use. The method of claim 9, wherein step (e) If the point exhausted aggregate information is not matched, the method of using the integrated banking point for each customer, characterized in that by matching the exhausted aggregate information by increasing or decreasing the points of the customer according to a predetermined criterion.