KR20060059368A - System and method for sharing points, recording medium and information storing medium - Google Patents

Abstract

The present invention relates to a point distribution method and system, wherein at least two or more card information (or card user information) is set as a single group group, and corresponding points (or mileage) according to the total usage history of the group group are provided. It calculates and distributes it to each card included in the group group. Here, when distributing points (or mileage) according to the total use history of the group group to each card of the group group, differential distribution is possible according to the use contribution of each card corresponding to the total use history.

As a result, it is possible to form a specific group consisting of various customers through the card, so as to secure and increase the card users (for example, members belonging to a specific group can use other customers as their own). Try to include it in a specific group), provide differentiated benefits (points or miles) to customers, and obtain information about products or services desired by multiple customers through the process of forming a specific group. Thus, product development using the same may be possible.

Distribution, point

Description

 System and Method for Sharing Points, Recording Medium and Information Storing Medium}             

1 is a simplified block diagram of a system according to a preferred embodiment of the present invention.

Figure 2 is a simplified illustration of a specific group setting process for point (or mileage) distribution in accordance with a preferred embodiment of the present invention.

Figure 3 is a simplified illustration of the process of providing group points (or mileage) for the use of a card of a specific group according to a preferred embodiment of the present invention.

Figure 4 is a simplified illustration of a point (or mileage) distribution process of distributing group points (or mileage) to individual members in accordance with a preferred embodiment of the present invention.

5 is a diagram illustrating a group information data table according to a preferred embodiment of the present invention.

6 is a diagram illustrating a group configuration member information data table according to a preferred embodiment of the present invention.

7 is an exemplary diagram of a group attribute information data table according to a preferred embodiment of the present invention.

8 is an exemplary diagram of a (personal) card usage record information data table according to a preferred embodiment of the present invention.

9 is an exemplary diagram of a card usage information data table associated with a specific group according to a preferred embodiment of the present invention.

10 is a diagram illustrating a group point (or mileage) information data table according to a preferred embodiment of the present invention.

11 is a diagram illustrating a group point (or mileage) provision reference information data table according to a preferred embodiment of the present invention.

12 is an exemplary diagram of an individual member contribution calculation information data table in a group according to a preferred embodiment of the present invention.

13 is an exemplary diagram of individual member point (or mileage) information data tables in a group according to a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: server 105: group performance calculation unit

110: point distribution unit 115: group setting information providing unit

120: point calculation unit 125: information input unit

130: contribution calculator 135: receiver

140: individual performance extractor 145: storage unit

150: storage medium 155: client (member)

160: Merchant

The present invention sets at least two or more card information (or card using customer information) into a single group group to calculate a corresponding point (or mileage) according to the total use of the group group, and includes it in the group group. And a point dispensing method and system for dispensing to each card.

As cards (such as credit cards) have become one of the most common payment methods, card companies have been trying to develop products focused on individual (individual) customers in order to accommodate the diversified needs of customers.

The development of such a personalized product was ultimately to secure more card users and increase sales, but it is not practical because there are many time and cost limitations in developing a new product.

On the other hand, as the Internet infrastructure has been widespread, various meetings (groups) or communities have emerged for certain purposes (eg, hobbies, leisure, work, etc.) online and offline. Communities have rapidly spread around community service providing sites, and these communities have inherent cohesion or homogeneity.

Accordingly, it is time to search for financial services or products that have unique homogeneity or cohesion such as community or group (group) to increase purchasing power.

In the past, financial companies (eg, credit card companies) have issued a certain family card or family card to secure such customers while maintaining this homogeneity, but since the corresponding customer is limited to the family (or the employee's family), Its use is not much, and it is not based on a specific purpose, so the purchasing power or cohesion such as a group (group) or community on the Internet was not large.

The purpose of the present invention to solve the above problems is to integrate each individual customer into one specific group, when providing benefits (miles or points, etc.) according to the use of the card, sum the card usage history of the members, The present invention provides a method and system for providing a benefit (miles or points, etc.) for the use of a certain group of cards.

In addition, according to the card usage history of the customers in a specific group, to provide a method and system to provide each member with a benefit (such as mileage or points) for the use of the card in a particular group differentially .

According to an aspect of the present invention, there is provided a method for distributing points, comprising: a group group setting step of linking and processing at least two or more card information (or card user information) into a single group group, and storing the group group in a predetermined storage medium; In calculating a point (or mileage) provided to each card included in the single group group, the group group total performance of calculating the total use results of the group group by summing the respective card use results included in the group group. A calculating step, a group group total point (or mileage) calculating step of calculating a point (or mileage) corresponding to the calculated total use history of the group group, and including the calculated point (or mileage) in the group group It characterized in that it comprises a point (or mileage) distribution step of dispensing to each card.

Preferably, the group group setting step may further include a group group selecting step of receiving specific group selection information from at least two or more card-owning (or issuing) clients included in the group group.

The group group selection step of receiving specific group selection information from at least two or more card-owning (or issuing) clients included in the group group may include a specific group from the at least two or more card-owning (or issuing) clients. And receiving a code corresponding to a name and / or a specific group.

In addition, the group group selection step of receiving specific group selection information from at least two or more card-owning (or issuing) clients included in the group group, the at least two or more card-owning (or issuing) clients may be a specific group name. And / or inputting a code corresponding to a specific group name and / or a specific group when providing a code corresponding to a specific group.

At this time, in the group group setting step, receiving a code corresponding to a specific group name and / or a specific group from at least two or more card-owning (or issuing) clients and to the provided group name and / or group. Based on the corresponding code information, at least two or more card information (or card using customer information) corresponding to the same group name (and / or the same code) is processed in a single group group and stored in a predetermined storage medium It is preferable to include.

In addition, the group group setting step corresponds to a specific group name and / or a specific group provided when at least two or more card-owning (or issuing) clients provide a code corresponding to a specific group name and / or a specific group. At least two or more card information (or card use customer information) corresponding to the same group name (and / or the same code) based on the step of inputting a code and the code information corresponding to the group name and / or the inputted group name. ) May be linked to a single group group to store in a predetermined storage medium.

The group group setting step may further include a group group setting information providing step of providing group group setting information of the card to a card owning (or issuing) client included in the group group.

Further, the group group setting step may include email information and communication means information of each card-owning (or issuing) client included in the group group to at least two or more card-owning (or issuing) clients included in the group. It may be configured to further include a group group information sharing step for providing individual member information including at least one or more personal information.

Preferably, in the group group total point (or mileage) calculation step, the point (or mileage) corresponding to the total use history of the group group is provided points corresponding to each card use history included in the group group (Or mileage) is characterized in that it comprises a point (or mileage) provided separately.

Preferably, the point (or mileage) distribution step compares each card use history included in the group group with the total use history corresponding to the calculated point (or mileage), each of the total use history And a point (or mileage) distribution step of distributing the calculated point (or mileage) in correspondence with the calculated contribution.

In addition, the point (or mileage) distribution step includes each card use history (eg, payment processing use amount using the card) in the group group compared to the total use history corresponding to the calculated point (or mileage). To calculate each credit card's contribution to the total credit history, and calculate the point (or mileage) calculated for each credit card corresponding to each credit. After the distribution is possible, a point (or mileage) addition step of adding the distributed point (or mileage) to the provided point (or mileage) corresponding to each card use history included in the group group. have.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. First, predetermined reference numerals are added to elements illustrated in the drawings. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

In addition, in describing the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a simplified block diagram of a system according to a preferred embodiment of the present invention.

Figure 1 is a point distribution system according to a preferred embodiment of the present invention, the system shown, the total use of the group group by setting at least two or more card information (or card using customer information) to a single group group A server 100 having a function of calculating a corresponding point (or mileage) according to the performance and distributing it to each card included in the group group, and the server 100 to implement the function. And a storage medium 150 for storing necessary information (data) and at least two clients 155 belonging to a predetermined group by requesting the server 100 to set a group. do.

Preferably, the storage medium 150 may be provided in a financial company server including a card company server or a bank server, and / or a company server providing a point (or mileage).

In addition, the storage medium 150 stores and manages at least two or more card information (or card using customer information) in a single group group, and stores and manages the same. In order to link and process two or more card information (or card user information) into a single group group, member information, group group information, card usage performance information, group card usage performance information, group point (or mileage) information and And storing the individual point (or mileage) information in the form of a predetermined data file.

Here, the member information data file may store card information and / or card user information. For example, the member information data file may include a member name, a member unique code (or ID), a card number, a mobile phone number, and e-mail information. Etc. can be recorded.

The group group information data file records information on a specific group group selected by at least two members 155 of the members 155, wherein the group group information data file is the aforementioned member information. At least two data files can be linked and stored.

For example, referring to Figure 5 below, a simple data table for the group group information data file is shown. According to FIG. 5, the information recorded in the group group information data file includes a group name, a group identification code (or group unique ID), a group membership, and group member information (consisting of at least two members) 600 And group attribute information 700.

Here, the group member information is shown in more detail in FIG. 6. As described above, referring to the example of the group member information data table shown in FIG. 6, the group member information belongs to the group in the aforementioned member information data file. More than one member information data file is recorded.

Further, the group attribute information 700 of the group group information data file is shown in more detail in FIG. 7 below. In the group group attribute information data file shown in FIG. 7, a group for which the group serves a certain purpose. Or information about a distribution policy of a group point (or mileage) obtained by the corresponding group according to the present invention may be recorded.

The card usage history information data file records the performance of the card use of the client 155, and the card usage history information data file is shown in detail with reference to FIG. 8 below.

Referring to FIG. 8, the member 155 card use performance information shown in FIG. 8 is card use performance information for members belonging to Group A. The card use performance information of each individual member 155 in the group is shown in FIG. It is a basis for generating group card usage record information of.

The group card usage history information data file stores the total usage history of the group group, which is the sum of the card usage results included in the group group, and the card usage history of at least two members 155 belonging to a predetermined group. It is characterized in that the information is linked to record, referring to Figure 9 below, characterized in that the card usage history of the members 155 shown in Figure 8 is integrated and recorded.

For example, when the members 155 of the group A are a, b, and c, according to Fig. 8, the card usage record of a (for example, 2 million won), the card usage record of b (for example, 1.5 million won) and the card of c If the usage history (for example, 1.5 million won), the group card usage history of Figure 9 is the card usage history of a (eg, 2 million won), the card usage history of b (eg, 1.5 million won) and the card usage history of c (eg , 1.5 million won) may be combined (eg, 5 million won), and according to the present invention, the group A corresponds to a group point (or 5 million won) corresponding to the combined card use performance (eg, 5 million won) of the group members 155. Miles can be provided.

The group point (or mileage) information data file, as shown in Figure 8, sums up the card usage results of the members of a specific group, and when the specific group card usage results of FIG. It characterized by recording the group point (or mileage) information provided by.

For example, the group point (or mileage) information data file may record the group group total use result obtained by adding up card use results.

The individual point (or mileage) information data file is described with reference to FIGS. 8 to 9, after a corresponding group point (or mileage) is provided to the specific group based on the card usage history of the specific group, Comparing the card use performance of the individual members 155 in the group to the total card use performance, and if the contribution of a given individual member 155 is calculated, the group point (or mileage) is calculated according to the calculated contribution. Information for providing to individual members 155 in the group (for example, individual card usage records, individual contribution information, etc.) is recorded.

Preferably, the individual point (or mileage) information data file is a point (or mileage) calculated in response to the total usage history of the group group when distributing to at least two or more cards included in the group group, It is characterized by storing the individual point (or mileage) information distributed to the card.

According to a preferred embodiment of the present invention, the server 100 of the point distribution system may include the storage medium 150 or be connected to the storage medium 150 through a predetermined network (eg, an intranet, the Internet, etc.). In the case of calculating a point (or mileage) provided to each card included in the single group group according to the present invention, an individual performance extracting unit for extracting each card use history included in the group group ( 140, the card information (or card user information) included in the group group in conjunction with the storage medium 150, and then linked with the individual performance extractor 140, the above confirmed Group performance calculation unit 105 for calculating the total usage history of the group group by summing the card usage history corresponding to at least two or more card information (or card user customer information) included in the group group And a point calculation unit 120 for calculating a point (or mileage) corresponding to the total usage history of the group group calculated by the group performance calculation unit 105 and a point calculated by the point calculation unit 120 ( Or a point distribution unit 110 for distributing the mileage to each card (or a card user) included in the group group.

Here, the individual performance extractor 140 extracts the individual card usage history of the members of the group required by the group performance calculator 105 to calculate the total usage history of the group group. The individual performance extractor 140 checks information (eg, group specific code information, etc.) of a specific group group for which the total usage history is to be calculated, and is connected with the identified specific group group information to store the storage medium 150. ) May search for member information of the specific group and extract card usage history of the searched members of the group.

Preferably, the group performance calculation unit 105 calculates the total usage history of the group group by summing card usage records corresponding to at least two or more card information (or card user customer information) included in the group group. It is characterized in that to calculate the total utilization of the group group by a predetermined period (for example, monthly, quarterly, yearly, etc.).

Preferably, the point calculation unit 120 calculates a point (or mileage) corresponding to the calculated group group total usage when the group performance calculating unit 105 calculates the total usage history of the group group. It is characterized by. In more detail, the point calculation unit 120 may refer to a point (or mileage) provision index that can be provided to the corresponding group in response to the total use performance. For example, referring to FIG. 11 below, available point (or mileage) information corresponding to the total usage history used by a specific group is shown.

11 is a diagram illustrating a group point (or mileage) provision reference information data table according to a preferred embodiment of the present invention.

Preferably, the server 100 is the point distribution unit 110 to the point (or mileage) calculated through the point calculation unit 120 to each card (or card user) included in the group group It may be configured to further include a total usage performance contribution calculation unit 130 for calculating the contribution to the total usage performance of each of the card users (group members) required for distribution.

For example, as shown in FIG. 12, the total utilization performance contribution calculator 130 divides the card usage history of each individual member 155 of a specific group by the total card usage history of the specific group, By applying a percentage 5, the contribution to each of the individual members 155 can be calculated.

As such, when contribution information on each individual member 155 of the specific group is calculated through the total utilization performance contribution calculator 130, the point distribution unit 110 calculates the corresponding contribution in response to the calculated contribution. Points (or miles) can be distributed to correspond to each card.

According to a preferred embodiment of the present invention, when the group point (or mileage) of the specific group is distributed to each individual member 155 of the specific group through the point distribution unit 110, the individual member 155 Group points (or mileage) distributed to) may be added to the points (or mileage) provided in response to the card usage history of each individual member (155).

Preferably, the server 100 is a receiving unit 135 for receiving specific group selection information from at least two or more card-owning (or issuing) client 155 included in the group group and the received group name and / Alternatively, based on the code information corresponding to the group, at least two or more card information (or card using customer information) corresponding to the same group name (and / or the same code) is linked to a single group group to a predetermined storage medium ( It may be configured to further include a storage unit 145 to be stored in 150.

Here, the receiver 135 may receive, as the specific group selection information, a code corresponding to a specific group name and / or a specific group from the at least two or more card-owning (or issuing) clients 155.

In addition, the server 100, if the at least two or more card-owning (or issuing) client 155 provides a code corresponding to a specific group name and / or a specific group, the server (100) Issue) the client 155 may further include an information input unit 125 for inputting a specific group name and / or a code corresponding to the specific group.

Here, the storage unit 145 when a specific group name and / or a code corresponding to the specific group provided by the at least two card owner (or issuing) clients 155 are input through the information input unit 125. ) Is based on the input group name and / or code information corresponding to the group, at least two or more card information (or card using customer information) corresponding to the same group name (and / or the same code) of the following figure As shown in FIG. 5, the data may be stored in the predetermined storage medium 150 by being linked to a single group group.

The server 100 may further include a group group setting information providing unit 115 for providing group group setting information of the card to a card owning (or issuing) client 155 included in the group group. Can be.

Here, when the client group 155 is a client 155 having a predetermined card, the group group setting information providing unit 115 connects the server 100 to the server 100 and the information input unit ( 125 and the card-bearing client in the process of being included in the group group through the storage unit 145 and / or in the process of setting the group group to a predetermined number of persons including the client 155 in the specific group. 155 may provide group group setting information of the card.

In addition, when the client 155 is a client 155 that does not own a predetermined card, the client 155 registers the issued card and / or in the process of issuing a predetermined card for the present invention. In the process, the group group setting information providing unit 115 may provide group group setting information of the card to the card issuing client 155.

Preferably, the group group setting information providing unit 115 provides each card owner client 155 included in the group group to at least two or more card owner (or issuing) clients 155 included in the group group. Individual member 155 information may be further provided, including at least one of email information, communication means information, and personal information.

Preferably, the card use history described in the present specification is characterized in that it comprises a payment processing use amount using the card, and the card described in the present specification is a point (or mileage) credit card, credit card, Debit card, prepaid card, characterized in that it comprises at least one check card.

In addition, the point distribution system shown in Figure 1 is characterized in that the financial company server, including a card company server or bank server, and / or a company server that provides points (or mileage).

On the other hand, the server 100 on the point distribution system is characterized by having a predetermined recording medium for realizing at least one or more of the following features.

Preferably, the recording medium provided in the server 100 may be provided in a financial company server including a card company server or a bank server, and / or a company server providing a point (or mileage). The above-mentioned card information (or card user information) is processed in a single group group and stored in a predetermined storage medium 150, and a point (or mileage) is calculated for each card included in the single group group. Calculates the total usage history of the group group by summing each card usage history included in the group group, and calculates a point (or mileage) corresponding to the calculated total usage history of the group group. And a program for realizing the function of distributing the calculated points (or mileage) to each card included in the group group. .

The program recorded on the recording medium may further include a function of receiving specific group selection information from at least two card owner (or issuing) clients 155 included in the group group.

In addition, the program is capable of receiving a code corresponding to a specific group name and / or a specific group from at least two cardholder (or issuing) clients 155 and corresponding to the received group name and / or group. Based on the code information, at least two or more card information (or card user information) corresponding to the same group name (and / or the same code) is processed in a single group group to store in a predetermined storage medium 150 It may further include a function.

In addition, the program corresponds to a specific group name and / or a specific group provided when at least two card-owning (or issuing) clients 155 provide a code corresponding to a specific group name and / or a specific group. At least two or more card information (or card using customer information) corresponding to the same group name (and / or the same code) based on the function of inputting a code and the code information corresponding to the group name and / or the inputted group The method may further include a function of associating with a single group group and storing the same in a predetermined storage medium 150.

In addition, the program has a function of providing group group setting information of the card to a card owning (or issuing) client 155 included in the group group and at least two or more cards belonging to the group group (or issuing). And providing the client 155 with individual member 155 information including at least one of email information, communication means information, and personal information of each card-owning client 155 included in the group. Can be.

In addition, the program compares each card usage history included in the group group with the total usage history corresponding to the calculated point (or mileage), and calculates the contribution amount of each card usage performance to the total usage history The method may further include a function of distributing the calculated point (or mileage) in correspondence with the calculated contribution.

In addition, the program compares each card usage history included in the group group with the total usage history corresponding to the calculated point (or mileage), and calculates the contribution amount of each card usage performance to the total usage history After distributing the calculated points (or mileage) corresponding to the respective cards in accordance with the function and the calculated contribution, the points (or mileage) provided to correspond to each card use history included in the group group The method may further include adding a distributed point (or mileage).

The program may further include a function of extracting the card usage record from the payment processing use amount using the card.

Preferably, the point distribution system shown in FIG. 1 is to be understood not to be limited to the particular form mentioned in the foregoing description, but rather all modifications that fall within the spirit and scope of the invention as defined by the appended claims. It is to be understood that it is to be understood to include and equivalents and substitutes.

2 is a simplified illustration of a specific group setting process for point (or mileage) distribution according to a preferred embodiment of the present invention.

2 is a simple flowchart of a group group setting process of storing at least two card information (or card using customer information) in a single group group in a predetermined storage medium 150 according to a preferred embodiment of the present invention. to be.

Referring to FIG. 2, the group group setting process may be started from a process in which the server 100 stores at least one group information (or code) that can be input or selected by the client 155 in a predetermined storage medium 150. It may be 200.

Here, at least one group information (or code) stored in the storage medium 150 may be a specific group name and / or code corresponding to a specific group preset by the server 100, and the group information. (Or a code) may be generated in response to data (eg, a specific group name, etc.) (or provided data) input from the client 155 in the process of selecting or inputting a specific group of the client 155.

According to the present invention, when the client 155 accesses the server 100 to select a specific group, the server 100 is associated with the specific group information and owns a card to be stored and / or the client ( In step 155, it is determined whether the member is registered to check the member information (205).

If the client 155 connected to the server 100 does not own a card to be stored in association with the specific group information, and / or does not subscribe to the server 100 as a member 155 ( 155, 210, a card issuance and / or a member 155 joining procedure of the client 155 may be performed (215).

On the other hand, if the client 155 accessing the server 100 owns a card to be stored in association with the specific group information (220), the client 155 may be assigned to a specific group name or a specific group to be included. Enter or select the corresponding code (225).

Then, the reception unit 135 of the server 100 receives the specific group selection information including the input code or the selection code selected by the client 155 (230), the client 155 to the specific group selected by the Check if client 155 can be included.

In this case, when the specific group needs to satisfy a predetermined capacity and / or qualification, the server 100 may have already completed the capacity of the specific group at the time when the client 155 selects the specific group. Alternatively, the client 155 may check whether there is a predetermined qualification to be included in the specific group.

For example, the client 155 may include at least one gender, age, occupation, education, card use (eg, monthly, quarterly, or yearly card use, etc.) as a participation qualification of a specific group.

If the client 155 does not have a predetermined qualification or the like to be included in the specific group, or is restricted by the capacity of the specific group (235), the server 100 informs the client 155 of the client. If the client 155 selects a specific group to join (or includes) a message that can be transmitted (240), at this time, if the client 155 wants to select another specific group (245), the embodiment described above May be repeated from 225. On the other hand, if there is no act of selecting another specific group from the client 155, the present embodiment ends (250).

On the other hand, if it is determined that the client 155 is included in the specific group with a predetermined qualification to be included in the specific group (255), the storage unit 145 of the server 100 is the client 155 information (Or card information) and the specific group information are stored in the storage medium 150 (260).

Preferably, when the specific group is formed by satisfying the above-described process (265), the group group setting information providing unit 115 of the server 100 transmits the specific group setting information and the specific group configuration client 155 to the specific group configuration client 155. And / or provide information 270 of individual members 155 included in the particular group.

Figure 3 is a simplified illustration of the process of providing group points (or mileage) for the use of a card of a specific group according to a preferred embodiment of the present invention.

FIG. 3 sets at least two or more card information (or card user information) into a single group group according to the process of FIG. 2, and then points (or mileage) provided to each card included in the single group group. In the calculating process, a point (or mileage) corresponding to the total group using history is calculated, and the calculated point (or mileage) is a simple flow chart for providing the calculated point (or mileage) to the group.

Referring to FIG. 3, in this embodiment, a specific group including at least two or more card-using clients 155 is formed according to the above-described process of FIG. 2, and each individual client 155 belonging to the specific group is formed. It may be started from the process of using the possession card (300).

When the individual clients 155 of the specific group use respective cards owned by a predetermined affiliate store (eg, the affiliated store capable of using the client card holding card, etc.), the card terminal provided in the affiliated store is the client 155. In operation 305, card information (for example, a card number, etc.) is read from a card and transmitted to the server 100.

Here, the read client 155 card information is transmitted to the server 100 in the form of a predetermined payment processing approval request message including card payment amount information and the like through a predetermined network (eg, VAN, PG, etc.). Can be.

Then, the server 100 checks card information of the client 155 transmitted from the affiliated card terminal, and searches 310 for group information associated with the card information (or personal information).

If group information associated with card information (or personal information) of the client 155 is not retrieved (315) (eg, the client 155 is not included in a specific group), the server ( The storage unit 145 of 100 stores the card usage history of the client 155 in association with the card information or personal information of the client 155 (320), and subsequently provides a general point (or mileage) providing process (e.g., The client 155 may provide a predetermined point (or mileage) to the client 155 according to a point (or mileage), etc. according to the use of the personal card (325).

However, when group information associated with card information (or personal information) of the client 155 is retrieved (330), the storage unit 145 of the server 100 is the card usage history of the client 155 In operation 335, the client 155 is stored in the storage medium 150 in association with the personal information and / or group information.

Preferably, in the case of providing a group point (or mileage) according to the card use performance of the specific group (345), the individual performance extraction unit 140 of the server 100 is stored in association with the specific group information Extracting the specific group member information from the storage medium 150 (350) and extracting the individual card usage history of the members 155 by referring to the specific group member information extracted from the storage medium 150 (or (355).

When the individual card use history of the members 155 of the specific group is extracted through the above process, the group performance calculator 105 of the server 100 may extract the individual group of the specific group extracted by the individual performance extractor 140. The total use history of the specific group is calculated by summing the individual card usage results of the members 155 (360).

Then, the point calculation unit 120 of the server 100 refers to the point (or mileage) calculation criteria, etc. corresponding to the group total usage results shown in FIG. 11 below. A point (or mileage) corresponding to the calculated total usage history of the group is calculated (365).

When the point (or mileage) corresponding to the total usage history of the group is calculated through the point calculation unit 120, the point distribution unit 110 of the server 100 calculates the calculated point (or mileage). Provided to the specific group and / or members 155 of the specific group (370).

Figure 4 is a simplified illustration of the point distribution process of distributing group points (or miles) to individual members 155 in accordance with a preferred embodiment of the present invention.

FIG. 4 sets at least two or more card information (or card using customer information) as a single group group in the server 100 through the process of FIGS. 2 to 3 according to the total usage history of the group group. In calculating a corresponding point (or mileage) and providing it to the group group, differentially distributing points (or mileage) according to the total use history of the group group according to the contributions of the members 155 of the group group. A simple flow chart for the process.

Referring to FIG. 4, the illustrated embodiment is based on a process of granting a group point (or mileage) according to the total card usage history of the specific group from the server 100 to the specific group according to the process of FIG. 3. It may be initiated (400).

According to a preferred embodiment of the present invention, if there is an individual point (or mileage) distribution to the members of the group with respect to the group point (or mileage) granted to the group (405), the group performance calculation unit of the server 100 105 may add up the card usage records corresponding to at least two or more card information (or card user customer information) included in the group, and the total usage history of the group group (for example, the total card usage amount information of the group); And the like) (410).

Then, the server 100 extracts and confirms the card usage history of each of the members 155 included in the group through the individual performance extraction unit 140 (415), and the total usage history of the server 100. The contribution calculator 130 compares each card usage history included in the group identified by the individual performance extraction unit 140 with the calculated total usage history (420).

In addition, the total usage performance contribution calculator 130 refers to the contribution calculation information for providing individual points (or mileage) in the group shown in FIG. 12 below, and each card usage performance contribution to the total usage performance. 425 is calculated.

Here, the calculation of each credit card's contribution to the total usage will be described in more detail with reference to FIGS. 12 to 13.

12 is an exemplary diagram of individual member contribution calculation information data table in a group according to a preferred embodiment of the present invention.

13 is an exemplary diagram of individual member point (or mileage) information data tables in a group according to a preferred embodiment of the present invention.

Referring to FIGS. 12 and 13, when a, b, and c of the card usage records of members A, b, and c of group A are 2 million won, b is 1.5 million won, and c is 1.5 million won, In the case where the total card use history of Group A is 5 million won in which the respective card use results of a, b, and c are added together, the contribution to the total card use history of Group A can be calculated as follows.

『/ Individual Group Performance Contribution /

    Group Performance Contribution Calculation Information for a (%)

                   = 200 (a card use) ÷ 500 (group total card use) × 100 (%) = 40%,

    % of group performance contribution for b

                  = 150 (b card use) ÷ 500 (group total card use) × 100 (%) = 30%,

    c Group performance contribution calculation information (%)

                  = 150 (c card usage) ÷ 500 (group total card usage) × 100 (%) = 30%,

』

Through the above process, if each credit card usage record contribution to the total usage record is calculated, the point distribution unit 110 of the server 100 is added to the calculated usage record contributions to the individual member 155 in the group. The group points (or miles) are distributed and provided accordingly (430).

More specifically, referring to FIG. 13 below, example data of individual point (or mileage) distribution according to the individual group performance contribution calculation information shown in FIG. 12 is shown.

According to FIG. 13, when the total amount of use of the card of the group A is 5 million won, the corresponding group point provided by the server 100 is 500,000 points, and the total use of the group A is 5 million won. For each group A, b, and c members of the group A, b and c, the total group contributions are 40%, 30% and 30%, respectively, provided by the members A, b and c of the group A, respectively. The points (or miles) received can be 200,000 points (= 500,000 points x 0.4), 150,000 points (= 500,000 points x 0.3), and 150,000 points (= 500,000 points x 0.3).

According to the present invention, at least two or more card information (or card user information) is set as a single group group, and a point (or mileage) corresponding thereto is calculated according to the total use history of the group group, and the group group is calculated. By distributing to each card included in the business card, a business operator (e.g., a card company, etc.) can form a specific group consisting of various customers through the card, thereby substantially securing and increasing the card users. There is an advantage. (Efforts for members of a particular county to include other customers in the county)

In addition, it is possible to present customer loyalty that is differentiated from other carriers by providing differentiated benefits (points or miles) to customers.

In addition, through the process of forming a specific group (다수), a plurality of customers obtain the information on the desired product or service, there is an advantage that it is possible to develop a product using the same.

Claims (44)

A group group setting step of linking at least two or more card information (or card using customer information) into a single group group and storing the group information in a predetermined storage medium; When calculating the points (or mileage) provided to each card included in the single group group, A group group total performance calculating step of calculating a total use history of the group group by summing each card use result included in the group group; A group group total point calculating step of calculating a point (or mileage) corresponding to the calculated total use history of the group group; And And a point distributing step of distributing the calculated points (or mileage) to each card included in the group group. The method of claim 1, wherein the group group setting step comprises: And a group group selection step of receiving specific group selection information from at least two card owner (or issuing) clients included in the group group. The method of claim 2, wherein the group group selection step of receiving specific group selection information from at least two or more card-owning (or issuing) clients included in the group group includes: And receiving a code corresponding to a specific group name and / or a specific group from the at least two or more card-owning (or issuing) clients. The method of claim 1, wherein the group group setting step comprises: Receiving a specific group name and / or code corresponding to a specific group from at least two or more card-owning (or issuing) clients; And Linking at least two or more card information (or card user information) corresponding to the same group name (and / or the same code) to a single group based on the provided group name and / or code information corresponding to the group Processing and storing in a predetermined storage medium; Point distribution method comprising a. The method of claim 2, wherein the group group selection step of receiving specific group selection information from at least two or more card-owning (or issuing) clients included in the group group includes: When the at least two or more card-owning (or issuing) clients provide a code corresponding to a specific group name and / or a specific group, entering a code corresponding to the specific group name and / or a specific group provided. Point distribution method comprising the. The method of claim 1, wherein the group group setting step comprises: When at least two or more card-owning (or issuing) clients provide a code corresponding to a specific group name and / or a specific group, entering a code corresponding to the specific group name and / or a specific group provided; And Linking at least two or more card information (or card using customer information) corresponding to the same group name (and / or the same code) to a single group group based on the input group name and / or code information corresponding to the group Processing and storing in a predetermined storage medium; Point distribution method comprising a. The method of claim 1, wherein the group group setting step comprises: And a group group setting information providing step of providing group group setting information of the card to a card owner (or issuing) client included in the group group. The method of claim 1, wherein the group group setting step comprises: At least two or more card-owning (or issuing) clients included in the group group includes at least one email information, communication means information, personal information of each card-owning (or issuing) client included in the group group Point distribution method comprising the step of sharing the group group information for providing individual member information. According to claim 1, wherein the group group total performance calculation step, Point distribution method characterized in that it is calculated monthly, quarterly, or yearly. According to claim 1, In the group group total point calculation step, Points (or mileage) corresponding to the total use of the group group, And a point (or mileage) provided separately from the provided point (or mileage) corresponding to each card use history included in the group group. The method of claim 1, wherein the point distribution step, Comparing the total card usage results included in the group group with the total usage records corresponding to the calculated points (or mileage), calculating the total usage record contributions for calculating the respective card usage record contributions to the total usage records. step; And And a point distribution step of distributing the calculated point (or mileage) in response to the calculated contribution degree. The method of claim 1, wherein the point distribution step, Comparing the total card usage results included in the group group with the total usage records corresponding to the calculated points (or mileage), calculating the total usage record contributions for calculating the respective card usage record contributions to the total usage records. step; And After distributing the calculated points (or mileage) corresponding to each calculated card corresponding to the calculated contribution, the distributed points are provided to the provided points (or mileage) corresponding to each card use history included in the group group. Point addition method for adding a point (or mileage); point distribution method comprising a. According to claim 1, wherein the card usage history, Point distribution method characterized in that comprises a payment processing amount using the card. The method of claim 1, wherein the card, Point (or mileage) Point distribution method comprising a credit card, credit card, debit card, prepaid card, at least one check card. A storage medium for storing and managing at least two or more card information (or card using customer information) in a single group group; When calculating the points (or mileage) provided to each card included in the single group group, An individual performance extracting unit for extracting each card use history included in the group group; After confirming card information (or card user information) included in the group group in association with the storage medium, at least two or more card information included in the identified group group in association with the individual performance extracting unit. A group performance calculation unit for calculating total usage history of the group group by summing card usage records corresponding to (or card usage customer information); A point calculation unit for calculating a point (or mileage) corresponding to the total usage history of the group group calculated by the group performance calculation unit; And And a point distributing unit for distributing points (or mileages) calculated by the point calculation unit to each card (or card using customer) included in the group group. The method of claim 15, And a receiving unit for receiving specific group selection information from at least two card-owning (or issuing) clients included in the group group. The method of claim 16, wherein the receiving unit, And further receive a specific group name and / or code corresponding to a specific group from the at least two or more card-owning (or issuing) clients. The method of claim 15, A receiving unit which receives a specific group name and / or a code corresponding to a specific group from the at least two or more card-owning (or issuing) clients; Linking at least two or more card information (or card using customer information) corresponding to the same group name (and / or the same code) to a single group group based on the received group name and / or code information corresponding to the group And a storage unit for processing and storing in a predetermined storage medium. The method of claim 15, An information input unit for inputting a code corresponding to a specific group name and / or a specific group when the at least two or more card-owning clients provide a code corresponding to a specific group name and / or a specific group; And Linking at least two or more card information (or card using customer information) corresponding to the same group name (and / or the same code) to a single group group based on the input group name and / or code information corresponding to the group And a storage unit for processing and storing in a predetermined storage medium. The method of claim 15, And a group group setting information providing unit for providing group group setting information of the card to a card owning (or issuing) client included in the group group. The method of claim 20, wherein the group group setting information providing unit, At least two or more card-owning (or issuing) clients included in the group group include individual member information including at least one of email information, communication means information, and personal information of each card-owning client included in the group group. A point distribution system further comprising. The method of claim 15, wherein the group performance calculation unit, A point distribution system, characterized in that to calculate the total utilization of the group group monthly, quarterly, or yearly. The method of claim 15, wherein the point distribution unit, Comparing the total card usage results included in the group group with the total usage records corresponding to the calculated points (or mileage), calculating the total usage record contributions for calculating the respective card usage record contributions to the total usage records. In conjunction with wealth, And distribute the calculated point (or mileage) in response to the calculated contribution. The method of claim 15, wherein the point distribution unit, Comparing the total card usage results included in the group group with the total usage records corresponding to the calculated points (or mileage), calculating the total usage record contributions for calculating the respective card usage record contributions to the total usage records. In conjunction with wealth, After distributing the calculated points (or mileage) corresponding to each card corresponding to the calculated contribution, the distributed points are provided to the provided points (or mileage) corresponding to each card use history included in the group group. A point distribution system, which adds points (or miles). The method of claim 15, wherein the card usage history, Point distribution system comprising a payment processing amount using the card. The method of claim 15, wherein the card, A point distribution system comprising at least one or more points (or mileage) credit cards, credit cards, debit cards, prepaid cards, and check cards. The system of claim 15, wherein the point distribution system comprises: A financial institution server including a credit card company server or a bank server, and / or a corporate server that provides points (or miles). A function of associating at least two or more card information (or card using customer information) into a single group group to store in a predetermined storage medium; When calculating the points (or mileage) provided to each card included in the single group group, Calculating the total usage history of the group group by summing up the respective card usage records included in the group group; Calculating a point (or mileage) corresponding to the calculated total use of the group group; And And a program for realizing the function of distributing the calculated points (or miles) to each card included in the group group. The method of claim 28, wherein the program, And realizing a function of receiving specific group selection information from at least two card-owning (or issuing) clients included in the group group. The method of claim 28, wherein the program, And realizing a function of receiving a specific group name and / or a code corresponding to a specific group from the at least two or more card-owning (or issuing) clients. The method of claim 28, wherein the program, Receiving a specific group name and / or code corresponding to a specific group from at least two or more card-owning (or issuing) clients; And Linking at least two or more card information (or card using customer information) corresponding to the same group name (and / or the same code) to a single group group based on the received group name and / or code information corresponding to the group And a function of processing the data and storing the data in a predetermined storage medium. The method of claim 28, wherein the program, When the at least two card-owning (or issuing) clients provide a code corresponding to a specific group name and / or a specific group, further providing a function of inputting the provided code corresponding to the specific group name and / or specific group. A recording medium, characterized in that the realization. The method of claim 28, wherein the program, Inputting a code corresponding to a specific group name and / or a specific group when at least two or more card-owning (or issuing) clients provide a code corresponding to a specific group name and / or a specific group; And Linking at least two or more card information (or card using customer information) corresponding to the same group name (and / or the same code) to a single group group based on the input group name and / or code information corresponding to the group And a function of processing and storing in a predetermined storage medium. The method of claim 28, wherein the program, And a function of providing group group setting information of the card to a card owning (or issuing) client included in the group group. The method of claim 28, wherein the program, Individual member information including at least one or more cardholder (or issuing) clients included in the group group including at least one of email information, communication means information, and personal information of each cardholder client included in the group group. A recording medium, characterized by further realizing the function of providing. The method of claim 28, wherein the program, Comparing each card use history included in the group group with a total use history corresponding to the calculated point (or mileage), and calculating a contribution amount of each card use performance to the total use history; And And distributing the calculated point (or mileage) in response to the calculated contribution. The method of claim 28, wherein the program, Comparing each card use history included in the group group with a total use history corresponding to the calculated point (or mileage), and calculating a contribution amount of each card use performance to the total use history; And After distributing the calculated points (or mileage) corresponding to each card corresponding to the calculated contribution, the distributed points are provided to the provided points (or mileage) corresponding to each card use history included in the group group. And a function of adding points (or mileage). The method of claim 28, wherein the program, And a function of extracting the card usage record from the payment processing using amount using the card. The method of claim 28, wherein the recording medium, A financial medium server including a card company server or a bank server, and / or a corporate server that provides a point (or mileage) recording medium. A member information data file for storing card information and / or card user information; And And a group group information data file for linking and storing at least two member information data files. The method of claim 40, wherein the information storage medium, A card usage history information data file for storing a predetermined period of use history of the card; And And a group card usage history data file for storing the total usage history of the group group, which is the sum of the respective card usage records included in the group group. The method of claim 40, wherein the information storage medium, A group card usage history information data file for storing the total usage history of the group group in which the respective card usage records included in the group group are added up; And And a group point information data file for storing point (or mileage) information calculated according to the group card usage record. The method of claim 40, wherein the information storage medium, A group point information data file for storing point (or mileage) information calculated in correspondence with the total use history of the group group, which adds up each card use history included in the group group; And Storing individual point (or mileage) information distributed to each card when distributing a point (or mileage) calculated according to the total use history of the group group to at least two cards included in the group group And an individual point information data file. The method of claim 40, wherein the information storage medium, An information storage medium, which is provided in a financial company server including a card company server or a bank server, and / or a company server that provides points (or miles).

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