KR20060107492A - Method for managing points come from the affiliated store fee, server, recording medium and information storing medium - Google Patents

Abstract

The present invention relates to a method for operating a merchant fee-linked point, wherein a predetermined amount corresponding to a fee (%) for each merchant (and / or industry type) and / or a financial company required for payment processing is provided in a server on a network. Each affiliate store a point providing criterion setting step for establishing a point (or incentive) providing criterion and point (or incentive) information corresponding to the point (or incentive) providing criterion established through the point providing criterion setting step in the server. (And / or business type) information storage step of processing in association with the information stored in a predetermined storage medium, and when at least one or more customers use the payment method, the payment to confirm the merchant (and / or industry) using the payment method on the server Means for confirming the merchant using the means, and in connection with the storage medium in the server, through the means for confirming the merchant using the payment means A point (or incentive) information confirming step (or incentive) information corresponding to the confirmed merchant (and / or industry) and the point (or incentive) corresponding to the confirmed point (or incentive) information in the server Providing a point to the customer or adding a point (or incentive) to the payment means.

As a result, it is possible to reduce the loss of credit card companies due to the establishment of low commissions for merchants, and more effectively operate various point / incentive systems provided for improving customer loyalty and improve the spending structure.

Merchants, Fees, Interlocking

Description

Method for Managing Point-Linked Points, Servers, Recording Media, and Information Storage Media {Method for Managing Points Come from the Affiliated Store Fee, Server, Recording Medium and Information Storing Medium}

1 is a simplified functional configuration diagram of a server for operating a merchant fee linked point according to an embodiment of the present invention.

Figure 2 is a simple flow chart for the merchant commission linked point operation process according to a preferred embodiment of the present invention.

3 illustrates a point providing reference information data model for each affiliate store (or business type) according to a preferred embodiment of the present invention.

4 is a diagram illustrating a point providing reference information update data model for each affiliate store (or business type) according to a preferred embodiment of the present invention.

FIG. 5 illustrates a point providing reference information update data model 2 for each affiliate store (or business type) according to a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: server 105: point information providing unit

110: merchant confirmation unit 115: point providing unit

120: update information provider 125: information storage unit

130: Point information verification unit 135: Point provision standard update unit

140: update information storage unit 145: storage medium

150: customer 155: merchant

The present invention establishes a predetermined point (or incentive) provision criterion corresponding to a fee (%) for each merchant (and / or industry type) and / or a banking company cost (%) required for payment processing, and sets the point ( Or incentives) the point (or incentive) information corresponding to the criteria provided in association with each affiliated store (and / or industry) information stored in a predetermined storage medium, when at least one customer uses the payment means, the server It relates to a method for operating a merchant fee linked point for verifying payment means use merchant (and / or industry) and point (or incentive) information.

As fee disputes between card companies and franchisees (especially large discount stores) are overheating, it is time to find ways to solve problems arising from low commission fees.

In the case of discount stores, since the payment amount is low and the number of card use is high and the processing is high. Therefore, it is urgent to improve such a high cost structure. This should be sought.

Accordingly, the present invention seeks to stabilize the profit structure by presenting a scheme to allow card users to use the card at a merchant with a relatively high merchant fee, and to present variable incentives due to merchant fees or costs. It is.

The criteria for providing predetermined points (or incentives) corresponding to the fees (%) for each merchant (and / or business type) and / or the financial company required cost (%) for payment processing as derived to solve the above problems. When setting, the point (or incentive) information corresponding to the established point (or incentive) providing criteria are stored in association with each affiliate (and / or industry) information, and when at least one customer uses a payment method, By confirming the merchant (and / or industry) and the corresponding point (or incentive) information using the payment method, the customer may be provided with a point (or incentive) corresponding to the identified point (or incentive) information, or It is to provide a point operation server added to the payment means.

In addition, the present invention provides a computer-readable recording medium recording a point operating method associated with a fee corresponding to an affiliated store (and / or business type) and a program for smoothly executing the point operating method using the server. In providing.

Merchants commission linked point operating method proposed by the present invention for achieving the above object, the merchant (and / or industry type) commission (%) and / or financial company required cost (%) required in the payment processing in the server on the network. A point providing criterion establishing step corresponding to a predetermined point (or incentive) providing criterion and point (or incentive) information corresponding to a point (or incentive) providing criterion established through the point providing criterion setting step in the server. And storing information in a predetermined storage medium by linking the respective affiliate store (and / or industry) information with each other, and when at least one customer uses the payment method, the server using the payment method (and / or industry). Merchant check step of confirming and using the payment means in conjunction with the storage medium in the server, A step (or incentive) information confirmation step of confirming the point (or incentive) information corresponding to the affiliated store (and / or industry) confirmed through the blind spot verification step and corresponding to the identified point (or incentive) information in the server It provides a point (or incentive) to the customer, or comprises a point (or incentive) adding step to add to the payment means.

In addition, the present invention is to notify at least one or more customers point (or incentive) information for each merchant (and / or industry) corresponding to the point (or incentive) provision criteria established through the point provision criteria setting step in the server It may be configured to further include a point (or incentive) information providing step.

The providing of the point (or incentive) information may include transmitting point (or incentive) information for each affiliated store (and / or industry) from the server to the customer wired terminal and / or wireless terminal, and / or to a predetermined web. It may include posting point (or incentive) information for each affiliate store (and / or industry) on a page.

According to the present invention, if a fee (%) for each affiliate (and / or business type) and / or financial company required cost (%) for payment processing is changed, the server is pre-determined through the point provision standard setting step. The point providing standard updating step and the server for updating a predetermined point (or incentive) providing criteria corresponding to the fee (%) by each merchant (and / or industry) and / or the cost of the financial company required for payment processing (%) And storing the updated information stored in the storage medium by linking the point (or incentive) information corresponding to the updated point (or incentive) provision criteria with respective affiliated store (and / or industry type) information. can do.

Here, the point of updating a predetermined point (or incentive) providing criteria corresponding to the predetermined fee (%) by the merchant (and / or industry), if the fee (%) by the merchant (and / or industry) change In the process of updating the offer criteria, the server may further include providing point (or incentive) update information to notify at least one or more customers of point (or incentive) information corresponding to the updated point (or incentive) offer criteria. Can be.

In addition, the process of providing point (or incentive) renewal information for notifying at least one customer of point (or incentive) information corresponding to the updated point (or incentive) provision criteria, the customer wired terminal in the server And / or transmit point (or incentive) update information for each affiliate store (and / or industry) to a wireless terminal, and / or point (or incentive) update information for each affiliate store (and / or industry) on a predetermined web page. It may include posting.

According to the present invention, the point (or incentive) providing criteria in the process of formulating a point providing criteria for establishing a predetermined point (or incentive) providing criteria corresponding to the fee (%) for each affiliate (and / or industry) Is proportional to the size of the merchant (and / or industry) fee (%) and / or is inversely proportional to the cost of the financial company (%) required to process the merchant (and / or industry) payment and / or It is preferable that the amount is set in accordance with the information on the cost (%) of the financial company required to process payment by merchant (and / or industry) relative to the% of merchant (and / or industry) commission (%) and / or corresponding to the amount of payment. Do.

In addition, according to the present invention, the point (or incentive) information corresponding to the point (or incentive) provision criteria established through the point provision standard setting step is associated with each affiliate store (and / or industry) information to a predetermined process In the process of storing in the storage medium, the point (or incentive) information corresponding to the predetermined point (or incentive) providing criteria may be stored in a group of a specific merchant (and / or industry) group.

Further, according to the present invention, when the at least one or more customers use the payment means, in the process of identifying the payment means using the merchant (and / or industry) in the server, at least one customer when using the payment means, at the server By reading predetermined merchant information from a predetermined payment approval request message according to the use of the payment method, the merchant (and / or business type) using the payment method may be identified.

Further, according to the present invention, when the point provision criteria are set corresponding to the size of the payment amount, the payment means using the merchant checking step, it is possible to further check the payment amount according to the use of the payment means, the point ( Alternatively, the checking of the incentive information may be linked with the storage medium to check point (or incentive) information corresponding to the payment amount confirmed through the check using the payment means.

Hereinafter, a process of operating a merchant fee-linked point proposed by 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 simple functional configuration diagram of the server 100 for operating a merchant fee linked point according to a preferred embodiment of the present invention.

1 is a merchant commission linked point operating server 100 according to the present invention may be a financial company server including a card company server and / or a bank server, and also through a predetermined network (for example, the Internet, payment network, etc.) By being connected to the customer 150 and the affiliated store 155, it is characterized in that it provides points linked to the fees (%) required by the merchant (and / or business type) and / or financial processing costs required for payment processing.

In addition, Figure 1 is a variety of that may be provided in the server 100, in order to provide a point for interworking with the fee and / or cost (%) required by the merchant (and / or business) for each merchant (and / or business type) The functional part is shown.

The server 100 shown in FIG. 1 sets a predetermined point (or incentive) provision criterion corresponding to a fee (%) for each merchant (and / or business type) and / or a financial company required cost (%) for payment processing. Then, the point (or incentive) information corresponding to the predetermined point (or incentive) providing criteria is processed in association with the respective affiliated store (and / or industry) information to store in a predetermined storage medium 145.

In addition, the server 100, when at least one or more customers 150 using the payment method, checks the merchant (and / or industry) using the payment method, the point corresponding to the confirmed merchant (and / or industry) ( Or check incentive information and provide a point (or incentive) corresponding to the identified point (or incentive) information to the customer 150 or add it to the payment means.

In more detail, the server 100 sets a predetermined point (or incentive) provision criterion corresponding to a fee (%) for each merchant (and / or business type) and / or a financial company required cost (%) for payment processing. The information storage unit 125 stores point (or incentive) information corresponding to the predetermined point (or incentive) providing criteria in association with respective affiliated store (and / or industry type) information and stores the information in the predetermined storage medium 145. ), When at least one customer 150 uses a payment method, in conjunction with a payment means using merchant verification unit 110 for identifying the payment means using affiliate store (and / or business type) and the storage medium 145, Point (or incentive) information check unit 130 for confirming the point (or incentive) information corresponding to the merchant (and / or industry) confirmed by the payment means using the merchant confirmation unit 110 and the identified point (or incentive) ) Jung Point provided to the client 150, or the (or incentive) point (or incentive) that are added to the payment method, corresponding to which can be configured to having a supply unit (115).

Preferably, the information storage unit 125 may classify and store point (or incentive) information corresponding to the predetermined point (or incentive) provision criteria into a specific group of affiliated stores (and / or industries).

In addition, through the information storage unit 125, predetermined points (or incentives) corresponding to the fee (%) for each affiliate store (and / or business type) and / or the financial company required cost (%) for payment processing ) The offer criteria are set in proportion to the size of the% of each merchant (and / or industry) fee and / or inversely proportional to the cost of the financial company required to process payments by the merchant (and / or industry); and And / or to be set according to the amount of financial company costs (%) required to process payments by merchants (and / or by industry) relative to the% of commissions per merchant (and / or industry) and / or corresponding to the amount of payment Can be.

For example, if the commission per transaction (%) at a particular merchant 155 is 2.5%, and the financial company required cost (%) per payment processing is 1.8%, the server 100 is the commission (%) and the required cost It is desirable to establish a point (or incentive) criterion provided to the customer 150 within the benefit limit as the difference in percentage can be taken per case.

However, if the fee (%) per processing at the particular merchant 155 is 2.5%, the cost required by the financial company (%) per payment processing exceeds 2.5%, the server 100 can obtain Since the gain is zero, it is difficult to provide points (or incentives) to the customer 150.

In addition, when a standard for providing points (or incentives) is set corresponding to the size of the payment amount, for example, payments of 50,000 won or less (for example, small payment, etc.) and points (or incentives) provided according to payment of 50,000 won or more are different. Can be formulated.

Preferably, the payment means using the merchant verification unit 110 reads the predetermined merchant information from the predetermined payment approval request message according to the use of the payment means, when at least one or more customers 150 using the payment means, the payment means You can check the merchant (and / or industry) you use.

In addition, when the point provision criteria are set in correspondence with the payment amount size, the payment means using affiliated store verification unit 110 may further confirm the payment amount according to the use of the payment means.

Preferably, the point (or incentive) information confirming unit 130, when the point provision criteria are set corresponding to the payment amount size, in conjunction with the storage medium 145, corresponding to the confirmed payment amount You can further check the point (or incentive) information.

Preferably, the point (or incentive) providing unit 115 wires the customer (150) point (or incentive) information for each merchant (and / or industry) corresponding to the determined point (or incentive) provision criteria. Transmit point (or incentive) information for each affiliate store (and / or industry) to a terminal and / or wireless terminal, and / or provide point (or incentive) information for each affiliate store (and / or industry) on a predetermined web page. By posting, you can notify at least one or more customers 150.

In addition, referring to Figure 1, the server 100 is changed by the merchant (and / or industry type) commission (%) and / or the cost required by the financial company (%) required for payment processing, by the determined merchant (and) And / or the type) point providing standard updating unit 135 and the updated point for updating a predetermined point (or incentive) providing criterion corresponding to a fee (%) and / or a financial institution required cost (%) during payment processing. And an update information storage unit 140 for processing the point (or incentive) information corresponding to the (or incentive) provision criteria in association with each affiliate store (and / or industry type) information and storing the information in the storage medium 145. Can be configured.

For example, a change in the required cost (%) of the financial company required for the settlement process may include predetermined factor data (eg, funding costs, VAN (Value Added Network) fees, and loss ratios) that cause the required cost (%) change. It may change according to the change).

Therefore, according to the present invention, the point providing standard update unit 135 is characterized in that to update the criteria for providing a corresponding point (or incentive) in accordance with the change in the required cost (%).

In this case, when the point providing standard updating unit 135 updates the point (or incentive) providing standard, for example, the merchant fee rate (%) does not change, and the financial company required cost (%) of the settlement process is changed. If the cost of the financial company required for payment processing does not change, if the merchant fee rate (%) changes, and if the merchant fee rate (%) and the financial company cost (%) required for payment processing change. It may include.

In addition, the server 100, the point (or incentive) providing criteria is updated through the point providing standard update unit 135, and the updated point (or incentive) through the update information storage unit 140 When the offer criterion information is stored in the storage medium 145, the point (or incentive) update information for notifying at least one or more customers 150 of the point (or incentive) information corresponding to the updated point (or incentive) offer criteria. It may be configured to further include a providing unit (120).

Here, the server 100 transmits point (or incentive) update information for each affiliate store (and / or business type) to the wired terminal and / or wireless terminal of the customer 150, and / or to the predetermined web page. Post point (or incentive) renewal information for each merchant (and / or industry) may be posted.

On the other hand, the server 100 is characterized in that the interlocking with the information storage medium 145 for storing and managing predetermined information for operating the merchant fee linked point according to the present invention.

Referring to FIG. 1, the storage medium 145 may be located in a financial company server including a card company server and / or a bank server, and store fee information for storing affiliate fee (and / or industry type) fee (%) information. Provided to the customer 150 according to the cost analysis information data file that stores the financial company's cost (%) information required for the data file and / or merchant (and / or industry type) payment processing and the payment method of the customer 150. A point (or incentive) information data file is prepared by storing point (or incentive) information corresponding to the merchant (and / or industry) commission (%) and / or the financial company required cost (%) during payment processing. It is characterized by storing.

Preferably, the point (or incentive) information data file is stored in association with each point (or incentive) subject merchant (and / or industry) information data and / or divided by the amount of payment according to the use of payment means Characterized in that it is stored.

In addition, the point (or incentive) information data file is updated every time the fee (%) for each affiliate (and / or industry) is changed, and / or is updated every time the cost analysis information for each affiliate (and / or industry) changes. It is done.

On the other hand, the server 100 is characterized in that it further comprises a recording medium recording a program for realizing a predetermined function for operating a merchant fee linked point according to the present invention through the above-described functional unit.

Preferably, the recording medium is determined when a predetermined point (or incentive) provision criterion corresponding to a fee (%) for each merchant (and / or industry type) and / or a financial company required cost (%) is required for payment processing. At least one customer (or at least one customer) storing the point (or incentive) information corresponding to the provided point (or incentive) information in association with the respective affiliate store (and / or industry) information and storing the point (or incentive) information in a predetermined storage medium 145. When the payment method 150 uses the payment method, a function of identifying the merchant (and / or business type) using the payment method and the point (or incentive) corresponding to the checked merchant (and / or business type) in association with the storage medium 145. ) A function of confirming information and providing a point (or incentive) corresponding to the identified point (or incentive) information to the customer 150 or adding to the payment means. It is characterized in that the program for recording.

Herein, the program recorded on the recording medium may provide point (or incentive) information for each affiliate store (and / or industry) corresponding to the established point (or incentive) provision criteria. Or a function of transmitting to a wireless terminal and / or posting on a predetermined web page.

In addition, the program may include a fee (%) for each merchant (and / or industry) and / or a cost (%) for the financial company required for payment processing, and a fee (%) for each merchant (and / or industry) established above. And / or a function of updating a predetermined point (or incentive) providing criterion corresponding to the financial company required cost (%) during payment processing and point (or incentive) information corresponding to the updated point (or incentive) providing criterion. It is characterized by further realizing the function of storing in the storage medium 145 in association with each affiliate store (and / or industry) information.

In addition, the program may include a fee (%) for each merchant (and / or industry) and / or a cost (%) for the financial company required for payment processing, and a fee (%) for each merchant (and / or industry) established above. And / or a function of updating a predetermined point (or incentive) providing criterion corresponding to the financial company required cost (%) during payment processing and point (or incentive) information corresponding to the updated point (or incentive) providing criterion. The customer 150 may be further implemented to transmit to a wired terminal and / or a wireless terminal and / or post a predetermined web page.

In addition, the program is characterized by further realizing the function of dividing the point (or incentive) information corresponding to the established point (or incentive) provision criteria into a group of specific merchant (and / or industry) group. .

In addition, when the at least one customer 150 uses a payment method, the program reads predetermined merchant information from a predetermined payment approval request text corresponding to the use of the payment method, thereby determining the merchant using the payment method (and / or the business type). It is characterized by further realizing a function to confirm.

In addition, when the point providing criterion is set corresponding to the payment amount size, the program further checks the payment amount according to the use of the payment means, and in conjunction with the storage medium 145, The function of identifying corresponding point (or incentive) information is further realized.

Figure 2 is a simple flow chart for the merchant commission linked point operation process according to a preferred embodiment of the present invention.

Figure 2 is a predetermined point (or incentive) corresponding to the fee (%) by the merchant (and / or industry) in the server 100 on the network in accordance with the present invention and / or the cost required by the financial company (%) during payment processing By providing a standard for providing, the point (or incentive) information corresponding to the determined point (or incentive) providing criteria are processed in association with the respective merchant (and / or industry) information and stored in a predetermined storage medium 145 When the at least one customer 150 uses a payment method, the server 100 checks the payment means using an affiliate store (and / or business type), and points corresponding to the confirmed affiliate store (and / or business type) (or A point (or incentive) addition step of checking the incentive information and providing a corresponding point (or incentive) to the customer 150 or adding it to the payment means. It characterized.

Referring to FIG. 2, the storage unit 125 of the server 100 sets a point providing criterion in consideration of a fee for each affiliate store (and / or business type) and / or financial company expenses. In operation 200, the point (or incentive) information providing unit 105 of the server 100 notifies the customer 150 of the point providing criteria and the corresponding point information set in correspondence with the affiliate store (or business type). (205). The determined point providing criterion and corresponding point information are stored in association with corresponding affiliate store (or business type) information (210).

Subsequently, when the customer 150 uses the predetermined payment means in the affiliated store 155 (215), the terminal provided in the affiliated store 155 reads the payment means information read from the payment means of the customer 150 and the A payment approval request message including affiliate store information may be generated and provided to the server 100.

When the payment approval request message including the payment means information read from the payment means of the customer 150 and the merchant information is transmitted from the terminal of the affiliate store 155 to the server 100 (220), the server ( The payment method using the affiliated store identification unit 110 of FIG. 100 checks affiliated store information (and / or payment amount information) used by the payment means in cooperation with the storage medium 145 (225).

In this case, the point providing standard updating unit 135 of the server 100 may check whether the point providing standard information predetermined according to the payment means using affiliated store 155 is updated (230).

Here, the update of the point providing standard information may be performed according to the fee (%) for each affiliate store (and / or business type) and / or the cost of the financial company required during payment processing in the process of determining the point providing standard.

Further, in more detail, the point (or incentive) provision criteria are set in proportion to the size of the merchant (and / or industry) commission (%) size and / or financial institutions that are required during the merchant (and / or industry) payment processing It is set in inverse proportion to the required cost (%) and / or based on the financial company required cost (%) information for processing the merchant (and / or industry) payments relative to the merchant (and / or industry) commission (%). Can be.

For example, the cost (%) information may be used in response to changes or changes in factors (eg, financing costs, value added network (VAN) fees, fixed costs per payment, etc.) required to calculate the cost (%). According to the present invention, the point (or incentive) provision criteria may be changed according to the changed cost (%), and accordingly, the point (or incentive) provided to the customer may be differentiated.

If there is an update of the point providing reference information predetermined in correspondence with the payment means using the affiliated store 155 (235), the point providing standard update unit 135 of the server 100 corresponds to the affiliated store 155. The predetermined point providing reference information is updated (240), and the update information storage unit 140 of the server 100 stores the updated point providing reference information.

Preferably, the corresponding point (or incentive) information may be changed according to the updated point providing reference information, and the point (or incentive) update information providing unit 120 of the server 100 may update the updated point ( Alternatively, the customer 150 may be notified of the point (or incentive) information corresponding to the incentive) providing criteria (245).

For example, the method of notifying point (or incentive) information corresponding to the updated point (or incentive) provision criteria may be performed by the customer 150 wired terminal and / or wireless terminal. It is preferable to transmit the renewal information and / or to post the point (or incentive) renewal information for each affiliate store (and / or industry) on a predetermined web page (eg, a point management server web page).

On the other hand, if there is no update of the point providing reference information predetermined in correspondence with the payment means using merchant 155 (250), the point (or incentive) information check unit 130 of the server 100 is confirmed Check the point (or incentive) information corresponding to the affiliated store 155 (255), the point (or incentive) providing unit 115 of the server 100 points corresponding to the confirmed point (or incentive) information (Or incentives) apply to the customer 150.

3 illustrates a point providing reference information data model for each affiliate store (or business type) according to a preferred embodiment of the present invention.

Referring to Figure 3, it shows the predetermined point (or incentive) offer criteria information according to the present invention, to look at a particular industry (e.g. shopping, dining out, sightseeing, golf, boating, food, furniture, clothing, etc.) In detail, the business is classified into detailed business groups (eg, shopping-department stores, marts, discount stores, home shopping, etc.), and corresponding affiliated stores 155 are shown.

In addition, according to the present invention, the point (or incentive) provision criteria information may be set in correspondence with the fee (%) by the merchant (and / or industry) and / or the cost of the financial company (%) required for payment processing, To this end, FIG. 3 further illustrates fee (%), cost (%), and point (or incentive) information calculated based on the fee (%) and cost (%) for each affiliate store (and / or industry). Doing.

4 is a diagram illustrating a point providing reference information update data model for each affiliate store (or business type) according to a preferred embodiment of the present invention.

Figure 4 shows that in the process of updating the point providing criteria information for each merchant (or industry), the fee (%) does not change, if the cost (%) changes, the merchant (or industry) according to the change in the cost (%) It shows a data model in which the point-providing criteria information is changed / updated.

For a more detailed description, FIG. 4 refers to the change of point (or incentive) information according to the change in the cost (%) with reference to the food (002) and clothing (008) industries in the data model of FIG. .

The cost percentage can be calculated, for example, by the sum of financing costs, value added network (VAN) fees, and fixed costs per settlement, whereby the cost percentage can change due to a change in either factor. Can vary.

Referring to Figure 4, the commission (%) of the restaurant (002) industry is 1.6%, the cost (%) can be seen that the change from 1.4% to 1.8%. In this case, when the cost (%) changes, since the cost (%) after the change exceeds the fee (%), the point (or incentive) information (for example, 0.5pt / 100 won) has been updated to "0".

In addition, looking at the clothing (008) industry of Figure 4, the commission (%) is 1.5%, the cost (%) was changed from 1.4% to 1.2%. In this case, the fee (%) has not changed, but rather the cost (%) has decreased, so that more points (or incentives) can be provided after the change than before the cost (%) change.

FIG. 5 illustrates a point providing reference information update data model 2 for each affiliate store (or business type) according to a preferred embodiment of the present invention.

5 is a point that can be provided to the customer 150 according to the point providing reference information for each affiliate (or industry) due to the change in the fee (%) in the process of updating the point providing reference information for each affiliate (or industry) ( Or incentives) are changed / updated.

For a more detailed description, reference is made to the food (006) industry and the furniture (007) industry shown in FIG.

In the food (006) industry shown in Figure 5, the cost (%) remained unchanged at 1.4%, but the commission (%) decreased from 2.0% to 1.8%. In this case, since the difference between the fee (%) and the cost (%) that can be provided as a point (or incentive) to the customer 150 in the server 100 is reduced (0.6% → 0.2%), The points (or incentives) that can be provided to the customer 150 may be reduced according to the point providing reference information for each affiliate store (or business type).

In addition, the furniture (007) industry shown in Figure 5, the cost (%) is unchanged to 1.4%, the commission (%) increased from 1.5% to 2.2%. In this case, the difference between the fee (%) and the cost (%) that the server 100 can provide to the customer 150 as a point (or incentive) has increased, and thus the point that can be provided to the customer 150. (Or incentives) can be further increased.

According to the present invention, by setting a predetermined point (or incentive) corresponding to the commission (%) for each merchant (and / or industry), by providing the corresponding point (or incentive) when using the customer's payment method, Operators (eg, card companies, etc.) have the advantage of reducing the loss of credit card companies due to the establishment of low fees for merchants.

In addition, there are advantages in that various points / incentives provided for improving customer loyalty can be more realistically operated and the spending structure of card companies can be improved.

In addition, it is possible to provide a purchasing power to the card company when negotiating a fee with the induced merchant to use the card at a merchant having a relatively high merchant fee in order to obtain a higher point.

 In addition, by granting exclusive rights to the merchant fee-linked point operating model provided, there is an advantage that can increase the competitiveness with other financial companies and collect royalties.

Claims (2)

A storage medium which prepares and stores point (or incentive) information provided to the customer according to the use of the customer's payment method so as to correspond to the financial company's cost required for payment processing; Payment means using merchants checking means for checking the payment means using merchants (and / or business type) when at least one or more customers use the payment means; Point (or incentive) information checking means for confirming point (or incentive) information corresponding to the identified affiliated store (and / or business type) in association with the storage medium; And And point (or incentive) addition means for providing the customer with a point (or incentive) corresponding to the identified point (or incentive) information or adding to the payment means. A recording medium which records a program for executing a function of the system constituting means of claim 1.

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