KR20060108263A - System and method for issuing group card, recording medium - Google Patents

Abstract

The present invention relates to a method and a system for issuing a group card, comprising: at least two client terminals for selecting or providing a specific group name and / or a specific group code; And classifying a specific group name and / or a specific group code selected or provided by the at least two client terminals into the same group name or group code, and then including at least two or more clients' cards included in the same group name or group code. And a server for issuing and interlinking information (and / or customer information) on a predetermined storage medium, and a group card issuing method and system, and a recording medium therefor. Thereby, card issuing institutions (eg, card companies, financial companies, point management companies) provide an incentive program intensively to the group of customers belonging to the group, thereby improving the loyalty to the use of the card, and the customers belonging to the group On the other hand, there is an advantage that the incentives for using the card are superior to individual customers based on superior card usage by each group (eg, the sum of payment amount using the card).

 Group Card, Issuance

Description

 Method and system for issuing group cards and recording media for them {System and Method for Issuing Group Card, Recording Medium}

1 is a diagram showing a group card issuing system according to an embodiment of the present invention.

2 is a diagram illustrating a group card issuing system according to another exemplary embodiment of the present invention.

Figure 3 shows a method of opening a group to issue a group card according to a preferred embodiment of the present invention.

Figure 4 illustrates a method for a client to join a group issuing a group card in accordance with a preferred embodiment of the present invention.

5 illustrates a method of operating a group card issued to a client according to a preferred embodiment of the present invention.

Figure 6 illustrates a method of calculating and providing incentive value for a group card to a client in accordance with a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: client terminal 105: server

110: interface unit 115: group classification unit

120: storage unit 125: storage medium

130: receiver 135: usage history calculation unit

140: incentive calculation government 145: contribution calculation unit

150: incentive provider 155: information provider

160: payment system

The present invention receives or selects a predetermined specific group name and / or a specific group code from at least one client (customer) belonging to a specific group in a server and classifies the same group name or group code, and classifies the same group name or group code. An incentive program for interworking card information (and / or customer information) of at least two clients included in the data, and storing the card information (and / or customer information) in a predetermined storage medium, and then improving loyalty for card use for the clients belonging to the group. Is to provide a group card issuing method and system and a recording medium for the same.

Cards issued in Korea are mainly issued by dozens of card companies (and / or financial companies), including at least one card brand among Visa and / or Master Card and / or BC. Since there are dozens or dozens of card products issued by each card company, there are currently over 100 card products issued to customers by domestic card companies. As a result, competition and customer disputes are intensifying for each card company, and each card company provides various types of incentive programs to attract loyal customers and improve loyalty to its card products.

However, in the above incentive program, there is little difference in the incentive program among card companies, and due to technical difficulties in extracting the target group of incentives for attracting excellent customers and / or improving loyalty, it is not necessary to provide an incentive program. Incentive programs are also offered to customers indiscriminately, and as a result, excessive debt incentive programs can only increase the size of debt allowances for card companies without attracting and / or improving loyalty as expected. As a result, each card company strictly revises the application criteria of the incentive program, which is causing a dissatisfaction among the customers who are not interested in the incentive program as well as those who are not interested in it.

To solve the above problems, at least one client interested in at least one or more card products sold by a card company forms a group of at least two members to use a predetermined threshold amount per person. When the card company is provided with an incentive program differentiated from the general personal customer and / or other card company customers from the card company, to transfer each client to the excellent customer in the group or to improve the loyalty to use the card And a recording medium for the system and the same.

The present invention for achieving the above object is at least two or more client terminals for selecting or providing a specific group name and / or a specific group code; And classifying a specific group name and / or a specific group code selected or provided by the at least two client terminals into the same group name or group code, and then including at least two or more clients' cards included in the same group name or group code. And a server for interworking the information (and / or customer information) on a predetermined storage medium.

According to a preferred embodiment of the present invention, it is preferable that the client terminal further provides customer information to the server, and / or the client terminal further provides card information to the server when the client owns a predetermined card. It is desirable to provide.

According to a preferred embodiment of the present invention, the server is interfaced with the at least two or more client terminals, the interface unit receives a specific group name and / or a specific group code from the at least two or more client terminals; A group classification unit classifying the specific group name and / or the specific group code provided through the interface unit into the same group name or group code; And a storage unit for interworking card information (and / or customer information) of at least two or more clients included in the same group name or group code classified through the group classification unit and storing the same in a predetermined storage medium. Preferably, the interface unit provides a specific group (or specific group code) selection interface to the client terminal, and the specific group (or specific group code) selection interface includes group name (or group code) information. And a group information providing interface including at least one group-restricted participant restriction information, group minimum or maximum use amount setting information, group participation condition information, and group personality information. In addition, when the client terminal provides card information and / or customer information, the interface unit preferably receives the information and provides it to the storage unit.

According to a preferred embodiment of the present invention, when storing the card usage history of the client, the server checks the card information (and / or customer information) included in the specific group in association with the storage medium, and the confirmed On the basis of the card information (and / or customer information), it is preferable to further comprise a group card usage history calculation unit for calculating the sum of at least two or more card usage history included in a specific group, and / or the storage In association with the medium, the card information (and / or customer information) included in the specific group is confirmed, and based on the confirmed card information (and / or customer information), at least two or more cards included in the specific group A card usage history calculation unit for each group calculating the usage history; An incentive calculation unit for calculating a predetermined group incentive value corresponding to the calculated group card usage history; And an incentive providing unit for distributing the calculated incentive to a card using client included in the specific group.

The server may further include an information providing unit for providing group setting information of the card to a card-owning client included in the specific group, and / or the card-owning client included in the specific group. It is preferable to further include an information providing unit for providing individual member information including at least one or more e-mail information, communication means information, personal information of each card-owning client included in the group.

According to a preferred embodiment of the present invention, the server checks card information (and / or customer information) included in the specific group in association with the storage medium, and the confirmed card information (and / or customer information). A card usage history calculation unit for each group that calculates the sum of at least two card usage details included in a specific group based on the sum; An incentive calculation unit for calculating a predetermined group incentive value corresponding to the calculated group card usage history; A contribution calculator for comparing each card usage history included in the specific group with the total usage history corresponding to the calculated incentive, and calculating a contribution history of each card usage to the total usage history; And an incentive providing unit for distributing the calculated incentive corresponding to the calculated contribution.

According to a preferred embodiment of the present invention, the group card issuing system is provided in a financial company server including a card company server or a bank server, and / or a company server providing points (or mileage), the card is a point (Or mileage) Preferably, the credit card, credit card, debit card, prepaid card, and at least one check card are included.

Another group card issuing system according to the present invention is that when at least two or more clients provide a specific group name and / or a specific group code, the same group is assigned to a specific group name and / or a specific group code provided by the at least two clients. A group classification unit classified into a name or a group code; And a storage unit for interworking card information (and / or customer information) of at least two or more clients included in the same group name or group code classified through the group classification unit and storing the same in a predetermined storage medium. The functional configuration added to the group card issuing system includes the technical features of the functional configuration according to the above-described preferred embodiment.

A group card issuing method according to the present invention includes an information receiving step of selecting or providing a specific group name and / or a specific group code from at least two or more client terminals in association with at least two or more client terminals; An information classification step of classifying the specific group name and / or the specific group code received through the information receiving step into the same group name or group code; And an information storage step of interlinking and processing card information (and / or customer information) of at least two or more clients included in the same group name or group code classified through the information classification step and storing the information on a predetermined storage medium. It is characterized by comprising.

According to a preferred embodiment of the present invention, the information receiving step preferably further receives customer information and / or card information owned by the at least two or more client terminals.

According to a preferred embodiment of the present invention, the group card issuing method preferably further comprises an information providing step of providing a specific group (or specific group code) selection interface to the client terminal. Group code) selection interface includes at least one group name (or group code) information, information on the number of participants per group, minimum or maximum usage amount setting information for each group, group participation condition information, and group personality information. It is preferable to include a group information providing interface.

According to a preferred embodiment of the present invention, the group card issuing method preferably further comprises an information providing step of providing group setting information of the card to a card-owning client included in the specific group, and / or the And providing an individual member information including at least one or more e-mail information, communication means information, and personal information of each card-owning client included in the specific group to the card-owning client included in the specific group. It is preferable.

According to a preferred embodiment of the present invention, the group card issuing method checks card information (and / or customer information) included in the specific group in association with the storage medium when storing the card usage history of the client, On the basis of the confirmed card information (and / or customer information), it is preferable to further comprise a calculation step of calculating the card usage history for each group by calculating at least two or more card usage history included in a specific group, and / Or check the card information (and / or customer information) included in the specific group, in conjunction with the storage medium, based on the confirmed card information (and / or customer information), at least included in the specific group Calculating card usage history for each group by calculating two or more card usage details; An incentive calculation step of calculating a predetermined group incentive value provided corresponding to the group card usage history calculated through the group card usage history calculation step; And an incentive providing step of distributing and providing an incentive calculated through the incentive calculation step to a card-using client included in the specific group, and / or in association with the storage medium. Confirming card information (and / or customer information) included in the group, and calculating and calculating at least two or more card usage details included in a specific group based on the identified card information (and / or customer information); Calculating card usage history for each group; An incentive calculation step of calculating a predetermined group incentive value provided corresponding to the group card usage history calculated through the group card usage history calculation step; A contribution calculation step of calculating each card usage history contribution to the total usage history by comparing each card usage history included in the specific group with a total usage history corresponding to the incentive calculated through the incentive calculation step; And an incentive providing step of distributing the calculated incentive in response to the contribution calculated through the contribution calculation step.

Another method of issuing a group card according to the present invention is that when at least two or more clients provide a specific group name and / or a specific group code, the same group is assigned to a specific group name and / or a specific group code provided by the at least two clients. An information classification step of classifying by name or group code; And an information storage step of interlinking and processing card information (and / or customer information) of at least two or more clients included in the same group name or group code classified through the information classification step and storing the information on a predetermined storage medium. Characterized in that it comprises, the implementation step added to the group card issuance method comprises the technical features of the implementation step according to the preferred embodiment described above.

The recording medium provided in the group card issuing system according to the present invention includes a function of selecting or receiving a specific group name and / or a specific group code from at least two client terminals; Classifying the received specific group name and / or specific group code into the same group name or group code; And a function of interconnecting and processing card information (and / or customer information) of at least two or more clients included in the classified same group name or group code on a predetermined storage medium. The program is characterized in that the program is recorded on the recording medium as a program that can be executed by a computer to perform each step of the group card issuing method of the present invention described above.

In a recording medium provided in another group card issuing system according to the present invention, when at least two or more clients provide a specific group name and / or a specific group code, the specific group name and / or specific provided by the at least two clients Classifying a group code into the same group name or group code; And a function of interworking card information (and / or customer information) of at least two or more clients included in the classified same group name or group code and storing them in a predetermined storage medium. The program is also characterized in that the program is recorded on the recording medium as a program that can be executed by a computer to perform each step of the group card issuing method of the present invention described above.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of 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. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In the present invention, issuing a predetermined group card to a predetermined client actually issues a predetermined card used as a group card according to the present invention to the client, and opens a card previously issued to the client on the server. All of them include joining a specific group and logically interworking. The following embodiment describes issuing a predetermined group card to the client through the latter.

In addition, the preferred embodiment of the present invention described below is described as being provided in the server to the storage medium in order to efficiently describe the technical components constituting the present invention, but the general knowledge in the technical field to which the present invention belongs Those of ordinary skill in the art will readily understand that the storage medium may be provided on a network accessible from the server.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It's just

1 is a diagram showing a group card issuing system according to an embodiment of the present invention.

In more detail, Figure 1 relates to a system for issuing and operating a group card having at least one payment means or payment means in a group consisting of at least two members in connection with a predetermined electronic payment or electronic payment system. The card usage history for each group of the group card is characterized in that provided from the electronic payment or electronic payment system. However, the system shown in FIG. 1 is only one means for efficiently explaining the technical idea of the present invention, and those skilled in the art to which the present invention pertains may include, for example, a group included in the present invention. It will be appreciated that the card is equipped with the function of a membership card for providing a predetermined membership service, and the electronic payment or electronic payment system may be replaced with a predetermined membership management system for providing a membership service.

In FIG. 1, the client-owned card associated with the payment system 160 includes a point (or mileage) credit card, a credit card, a debit card, a prepaid card, and a check card. Card) at least one.

Referring to FIG. 1, a group card issuing system includes at least two client terminals 100 for selecting or providing a specific group name and / or a specific group code; And classifying a specific group name and / or a specific group code selected or provided by the at least two client terminals 100 into the same group name or group code, and then at least two or more included in the same group name or group code. And a server 105 for interworking the card information (and / or customer information) of the client to a predetermined storage medium 125, wherein the server 105 is a card company server or a bank. It is preferably provided in a financial institution server including a server, and / or a corporate server that provides points (or mileage).

The client terminal 100 is equipped with a predetermined network interface for accessing at least one wired or wireless network and / or a communication application for connecting a predetermined communication channel for issuing a group card with the server 105 through the network. And a wired terminal including a personal computer (PC) and / or a home appliance (eg, a home client device) including such a technical configuration (eg, a network interface and a communication application), And / or Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Smart Phone, and / or It includes at least one or more portable radio terminals including vehicle radio communication devices (e.g., telematics). It is characterized by being carried.

According to a preferred embodiment of the present invention, the client terminal 100 connects a predetermined communication channel with the server 105 through the network interface and a communication application, and then to the server 105 through the communication channel. It is preferable to further provide customer information, and / or if the client owns a certain card, it is preferable to further provide the client owned card information through the communication channel. It is preferable to provide a predetermined interface screen for inputting predetermined group information and / or client card information (and / or customer information) to the client terminal 100 to the client terminal 100.

Referring to FIG. 1, the server 105 interfaces with the at least two client terminals 100 to receive a specific group name and / or a specific group code from the at least two client terminals 100. Unit 110; A group classification unit 115 for classifying the specific group name and / or the specific group code provided through the interface unit 110 into the same group name or group code; And card information (and / or customer information) of at least two or more clients included in the same group name or group code classified through the group classifying unit 115 to each other to the predetermined storage medium 125. And a storage unit 120 for storing the client card information for the clients belonging to the group, including the group name and / or the specific group code and the predetermined group information for the specific group. Or a storage medium 125 to which a storage area for storing customer information) and card usage history are allocated.

According to a preferred embodiment of the present invention, the server 105, when storing the card usage history of the client, in conjunction with the storage medium 125, and the card information (and / or customer information) included in the specific group And further comprising a group card usage history calculating unit 135 for calculating the sum of at least two card usage details included in a specific group based on the identified card information (and / or customer information). Preferably, or, the card usage history calculation unit 135 for each group; An incentive calculation unit 140 for calculating a predetermined group incentive value corresponding to the calculated group card usage history; And an incentive providing unit (150) for distributing the calculated incentive to a card using client included in the specific group. The incentive calculation unit 140; A contribution calculation unit (145) for comparing each card usage history included in the specific group with a total usage history corresponding to the calculated incentive, and calculating each credit history contribution to the total usage history; And the incentive providing unit 150.

In addition, the server 105 may include an information providing unit 155 for providing group setting information of the card to card-owning clients included in the specific group, and / or card-specific clients included in the specific group. It is preferable to further comprise an information providing unit 155 for providing individual member information including at least one or more e-mail information, communication means information, personal information of each card-owning client included in the.

When the interface unit 110 accesses the server 105 using at least two client terminals 100 through the network interface using a communication application, a predetermined group of the client terminals 100 issues a group card. Providing a group establishment interface for establishing a group, or providing a group selection interface for inputting (or selecting) a specific group name and / or a specific group code to the server 105, or providing the client with the selected specific group. And a group joining interface for inputting client-owned card information and / or customer information for a client to be sent to the server 105 for subscription.

According to a preferred embodiment of the present invention, the group establishment interface is an interface for establishing a predetermined group to which at least two or more clients for issuing a group card belong to the client terminal 100 connected to the server 105. In addition, the group establishment interface includes group name (or group code) information for a newly created group, information on the number of participants per group, minimum or maximum use amount setting information for each group, group participation condition information, and group personality information. It is preferable to include an interface for setting at least one.

A group established through the group establishment interface may be a group formed for a predetermined purpose (eg, a group formed to receive more incentives from a card company), or a social group (eg, alumni, a fellowship), or a kinship group. (E.g., parent association), or a work group (e.g., the company the client is in, or a department within the company), or a contract group (e.g., an organization with which a contract has been established), a delay group (e.g., a group of people from a specific area), Or at least one group that an unspecified majority joins arbitrarily, including group name (or group code) information included in the group establishment interface, group member restriction information for each group, group participation condition information, group personality information, and the like. Reflects the characteristics of each group.

In addition, the group establishment interface preferably includes minimum or maximum usage amount setting information for each group, and the minimum or maximum usage amount setting information for each group includes card usage history of clients belonging to the group in the server 105. It provides a criterion for calculating incentive value for each group based on the sum of the card usage by group.

According to a preferred embodiment of the present invention, the group selection interface is at least one or more (e.g., at least two or more when including a client establishing a group) in a specific group established on the server 105 by the group establishing interface. Is an interface for selecting a specific group to which the client terminal 100 joins, and the group selection interface selects (or inputs) a group name (or group code) required for the client to select a group to which the client belongs. It is preferable to include an interface that can be connected to each other, and also to limit the number of participants for each group required to select the group (or refer to), the minimum or maximum usage amount setting information for each group, the group participation condition information, A group information providing interface including at least one group personality information It is preferable that a face is included.

According to a preferred embodiment of the present invention, the group joining interface is an interface for the client to join a specific group selected by the group selection interface, and the group joining interface includes the client owned card information and / or a customer for the client. It is preferable to include an interface for inputting information, and when a card for use as a group card is not issued to the client for joining a specific group, a predetermined card that can be used as a group card in a predetermined card issuing institution is provided. Preferably, the interface further comprises an interface for performing a procedure of issuing a card.

The group classifying unit 115 has a predetermined group operation policy provided in the server 105 for a new group establishment group name and / or a specific group code provided from the client terminal 100 through the group establishment interface. For group selection provided from the client terminal 100 by classifying into a predetermined category (eg, a category consisting of large classification, medium classification, and small classification based on specific classification criteria) or a group selection interface based on (not shown). The group name and / or the specific group code may be classified into the same group name and / or group code matched among at least one or more group names and / or group codes.

According to a preferred embodiment of the present invention, it is possible to connect to the server 105 through the group classification unit 115 to determine which group among the at least one group the client terminal 100 belongs.

The storage unit 120 stores card information (and / or customer information) of at least two or more clients included in the same group name or group code classified through the group classification unit 115 in a predetermined storage medium 125. It is characterized in that the mutual card processing to store at), whereby the group card is issued to at least two or more clients classified into the same group.

According to a preferred embodiment of the present invention, the storage unit 120 stores the card information (and / or customer information) of at least two or more clients in the storage medium 125 in association with each other. And / or customer information) and / or member information about the client to determine if the client satisfies a condition belonging to the group.

In addition, the storage unit 120 stores the card information (and / or customer information) of the at least two or more clients in the storage medium 125 by interconnecting the storage medium 125 by the group opening interface. Add the card information (and / or customer information) of the client to the card information (and / or customer information) storage area among the group storage areas allocated to the (e.g., array or linked list). In addition, the card information (and / or customer information) storage area does not exist on the storage medium 125, the card information of the client (and / Alternatively, it is preferable to store and store the customer information) in a relational relation (eg, a relational database management system (RDBMS)).

The storage medium 125 stores a group name and / or a specific group code and predetermined group information for a specific group established by the group establishing interface, and joins the group by a group joining interface. Characterized in that the client card information (and / or customer information) for at least two or more clients are linked to each other, and a predetermined storage area for storing the card usage history for the clients belonging to the group is allocated. do.

According to a preferred embodiment of the present invention, when the card usage history for the client is generated as shown in FIG. 1 (eg, the payment system 160 in the case of FIG. 1) and the server 105 are interlocked, The server 105 receives card information (and / or customer information) and card usage history for the client from the system, and stores the card information from the storage medium 125 based on the card information (or customer information). It is preferable to include a receiving unit 130 to check the group to belong to, and to store the received card usage history in the storage area where the card usage history for the client on the storage medium 125, the server ( When 105 is provided in the system where the card usage history for the client is generated, the receiving unit 130 is omitted or a predetermined card is used. It may be replaced by the history update unit.

The card usage history calculation unit 135 for each group is the card information (or customer information) when a predetermined card usage history is generated or stored using a predetermined card owned by a client belonging to the opened group. Identify a group to which the client belongs from the storage medium 125 based on the sum of card usage history of at least two or more of the clients included in the group from the storage medium 125, and then use the card usage history of the predetermined group; The card usage history of the at least two or more of the clients included in each group from the storage medium 125 is periodically added based on a predetermined incentive policy provided in the server 105. It is characterized by calculating the card usage history for a predetermined group.

According to a preferred embodiment of the present invention, the card usage history calculation unit 135 for each group to calculate the card usage history for each group by summing the card usage history included in the group, the card usage history included in the group Of the card usage amount (for example, when the card usage history is generated from the payment system 160 as shown in FIG. 1, the card payment amount, or when the card usage history is generated from the membership operation system according to another implementation method. ) Is calculated to calculate the total card use amount used by the clients belonging to the group through the group card.

The incentive calculation unit 140 is a card usage history for each group calculated by the card usage history calculation unit 135 for each group (for example, the total card use amount used by the client belonging to the group through the group card), and The calculated card usage history for each group based on the minimum or maximum usage amount setting information for each group included in the group information of the group, and / or a predetermined incentive value calculation policy (not shown) provided in the server 105. The incentive value for each predetermined group provided correspondingly is calculated.

According to a preferred embodiment of the present invention, the incentive value for each group calculated by the incentive calculation unit 140 is the card usage history of the group is between the minimum value and the maximum amount of money setting information for each group (for example, When the card usage history of each group exceeds the maximum usage amount setting information, the predetermined amount of incentive value is calculated according to the level in which the card usage amount of each group is included after dividing the maximum usage amount setting information) into at least two levels. It is desirable to calculate differentially based on policy (not shown).

For example, when the group card is a card equipped with a predetermined payment method, the minimum usage amount for each group is 50 million won, and the maximum usage amount for each group is 100 million won, for a predetermined period of the group (for example, monthly or yearly). If the amount of the card payment is between 50 and 60 million won, the incentive value of 50,000 won is calculated for the group. If the payment is between 60 and 70 million won, the incentive value of 100,000 won is calculated for the group. The incentive value of 10,000 won is calculated, and the incentive value of 200,000 won is calculated for the group of 80 million won to 90 million won, and the incentive value of 250,000 won is calculated for the group of 90 million won to 100 million won, and 300,000 won of more than 100 million won. It is desirable to estimate incentive value.

The incentive providing unit 150 distributes the incentive value calculated for each group by the incentive calculation unit 140 to a card using client included in the group, and provides the incentive providing unit 150. How the incentive value is distributed to each client is determined by the characteristics of the incentive program corresponding to the incentive value, and / or the characteristics of the client-owned card.

According to a preferred method of the present invention, the incentive value includes at least one prize (for example, tangible goods, gift certificates, travel tickets, etc.), reserves, prepaid card charges, mileage points, discount coupons, etc. according to the incentive program Preferably, the client-owned card is largely divided into a magnetic stripe (MS) card and an integrated circuit (IC) card (or IC chip) according to characteristics.

For example, if the incentive is a mileage point and the client-owned card is an MS card, the incentive providing unit 150 is provided on the payment system 160 using the calculated incentive value (= mileage point). If the incentive is a mileage point, and the client-owned card is an IC card, the incentive providing unit 150 may provide the calculated incentive value (not shown). It is preferable to generate a mileage point in the form of a predetermined card applet (or card data) and provide it to the memory provided in the IC card through the client terminal 100. Further, for example, if the incentive is a prepaid card charge and the client-owned card is mounted or detached from a wireless terminal, the incentive providing unit 150 may provide the prepaid card charge through a mobile communication network and the wireless terminal. It is preferable to charge the prepaid card provided in the IC chip, and various incentive providing methods may be implemented.

The contribution calculator 145 distributes the incentive value to the card user client included in the group, and provides the incentive value to the specific group based on the total usage history corresponding to the calculated incentive. Comparing each of the card usage history included, calculates the contribution of each card usage history to the total usage history, whereby the incentive value distributed to each client is differentially distributed according to the card usage history It is possible to be.

In the issuing or operating the group card in the server 105, the information providing unit 155 changes predetermined information to be known to each client (for example, group information for a group to which the client belongs, or changes in group information). Or providing predetermined information (e.g., individual member information including at least one of email information, communication means information, and personal information about a client newly subscribed to the client) to be provided to the client who established the group. It features.

In FIG. 1, the payment system 160 includes an offline electronic payment (payment) system (e.g., a system including a merchant equipped with a payment terminal device, a value added network (VAN) and a payment server 105) and online. Electronic payment (payment) systems (e.g., Internet Secure Payment (ISP) systems and / or Visa's 3-D Secure systems and / or MasterCard's Secure Payment Application (SPA) systems and / or ICs) It is preferable to include at least one or more online payment system 160 and / or online payment and / or online account transfer using a card).

According to a preferred embodiment of the present invention, when the payment system 160 is an offline electronic payment (payment) system, when a predetermined client makes a card payment through the offline electronic payment (payment) system, the payment system 160 It is preferable to provide card information (or customer information) and card usage history for the client to the storage medium from at least one or more components of a merchant payment terminal device and / or VAN and / or payment server on the store, and / or When the payment system 160 is an online electronic payment (payment) system, when a predetermined client makes a card payment through the online electronic payment (payment) system, a client terminal and / or a web server on the payment system 160 and Card information for the client from at least one or more components of a payment agency and / or payment server; Or customer information) and a card usage history to the storage medium.

In FIG. 1, the interface unit 110, the group classification unit 115, the storage unit 120, and the like, a group name and / or a specific group code, predetermined group information, and card information (and / or customer information) Storage medium 125 to be stored in association with, and the card usage history calculation unit 135, incentive calculation unit 140, incentive providing unit 150, contribution calculation unit 145 and information providing unit 155 for each group ) Is shown as being provided in one server 105, but those skilled in the art to which the present invention pertains, the interface unit 110, the group classification unit 115 and the storage unit 120 and The card usage history calculation unit 135, the incentive calculation unit 140, the incentive providing unit 150, and the contribution calculation unit 145 of each group may be provided in a separate server, or the storage medium 125 may be provided in the server. It will be appreciated that it may be provided on a network accessible from the server 105.

2 is a diagram illustrating a group card issuing system according to another exemplary embodiment of the present invention.

More specifically, FIG. 2 is a system for issuing and operating a group card having at least one payment means or payment means in a group consisting of at least two members in connection with the drawing 1 and a predetermined electronic payment or electronic payment system. For example, if at least one client provides predetermined group establishment / selection / subscription information to the server 105 administrator, the server 105 administrator sends the group establishment / selection / subscription information to the server 105. Is for when you enter.

The server 105 shown in FIG. 2 is a group establishment interface and / or a group selection interface and / or a group subscription to at least one or more client terminals 100 over a network as compared to the server 105 shown in FIG. This is a case where a predetermined administrator replaces the interface unit 110 that provided the interface with the information input unit 200 that inputs predetermined group establishment / selection / subscription information on behalf of the client terminal 100. 105, the function of the component is the same as that in FIG.

Figure 3 shows a method of opening a group to issue a group card according to a preferred embodiment of the present invention.

In more detail, FIG. 3 illustrates a preferred case in which a predetermined client terminal 100 establishes a predetermined group for issuing a group card by accessing the server 105 in the group card issuing system as shown in FIG. will be.

Referring to FIG. 3, the client terminal 100 accesses the server 105 through a predetermined network (eg, executes a web browser and inputs a server 105 address in an address window to connect to a communication channel) (300). In addition, the server 105 requests a predetermined member authentication procedure (eg, login through ID / PW, or member authentication through a public certificate) to the client terminal 100, whereby the client terminal Authentication, Integrity, Nonrepudiation, and the like for the process of establishing / selecting / subscribing a predetermined group through the server 105 are secured.

If the member authentication for the client terminal 100 fails (310), the server 105 performs a predetermined member registration procedure in association with the client terminal 100 (315), the client terminal ( 100 again requests to perform the predetermined membership authentication procedure (305).

On the other hand, if the member authentication for the client terminal 100 succeeds (310), the server 105 provides a predetermined interface screen for selecting a group opening or joining a group for issuing a group card to the client terminal 100. In this case, the client terminal 100 requests the server 105 to establish a new group for issuing the group card (320).

When a new group establishment request is requested from the client terminal 100 as described above (320), the server 105 inputs at least one group information required for issuing a group card to the client terminal 100 to the server ( A group establishment interface having a function of transmitting to 105 is transmitted and output to the client terminal 100 (325), and the client terminal 100 transmits a group name for a group to be newly established through the group establishment interface ( Or (group code) information, group participation information by group, minimum or maximum usage amount setting information by group, group participation condition information, and group information including at least one group personality information; In operation 330, the group information is transmitted to the server 105 through a predetermined network.

When the predetermined group information for establishing a new group is received from the client terminal 100 as described above (335), the server 105 reads the group information and writes the received group information to the storage medium 125. A corresponding new group is established (340).

According to a preferred embodiment of the present invention, the server 105 establishes a new group corresponding to the received group information on the storage medium 125 by the storage medium 125 (eg, group setting information). In the storage area in which the group name (or group code) on the database is stored, substitute (or set) the group name (or group code) included in the group information, and participate in each group on the storage medium 125. Substituting (or setting) the respective group setting information into the storage area for setting the number of persons, the minimum or maximum use amount setting information for each group, the group participation condition information, and the group personality information, at least to join the group; And preferably allocating a storage area for storing card information (and / or customer information) and card usage history for one or more clients.

When a new group is established as described above, the server 105 transmits a predetermined group join interface for joining the client to the established group to the client terminal 100 (the group is currently established because a new group has been established. The client to which the client to join is automatically set up as a new group that is currently established) and output (345), and the client terminal 100 transmits the card information (or customer information) of the client through the group subscription interface. Input (or select) 350.

When the card information (or customer information) of the client is input (or selected) through the group subscription interface as described above (350), the client terminal 100 transmits the card information (or customer information) for the client to the server. 355, and the server 105 stores the card information (or customer information) in the storage medium 125 in association with the opened group information (eg, in the newly established group). In the card information (or customer information) storage area corresponding to the authorized client) (360), thereby establishing a new group for issuing a group card.

Figure 4 shows a method for a client to join a group issuing a group card in accordance with a preferred embodiment of the present invention.

In more detail, FIG. 4 illustrates that a predetermined card use group is newly established through the same process as in FIG. 3, and then at least one client accesses the server 105 and joins a specific group among the established groups. It is about the case.

As shown in FIG. 3, a predetermined client terminal 100 accesses the server 105 through a predetermined network, and the server 105 performs a predetermined member authentication procedure with the client terminal 100 to perform a group. After securing authentication, integrity, and non-repudiation for card issuance, the client terminal 100 requests to join a specific group (for example, issuing a group card) among at least one or more groups established in the server 105. The lower surface 400, the server 105 provides a predetermined group selection interface to the client terminal 100 including at least one group list previously established (405), the client terminal 100 is The user selects a specific group to join from the group list through a group selection interface (410).

According to a preferred embodiment of the present invention, the group selection interface includes group name (or group code) information for each group corresponding to the group list, participation limit restriction information for each group, and minimum or maximum usage amount setting information for each group. And group information including group participation condition information and at least one group personality information. Preferably, the client terminal 100 selects a group to which the client joins by referring to the group information. Do.

When the group to which the client terminal 100 joins is selected as described above (410), the client terminal 100 sends a group name (or group code) for the selected group (for example, the client to join) to the server. (415), the server 105 reads the received group name (or group code) and the member information for the client to determine whether the client can join the group. Check (420).

According to a preferred embodiment of the present invention, the group information includes group-specific participant restriction information, group participation condition information, group personality information, and the like. It is preferable to check whether the group can be joined by comparing the number of participants per group, group participation condition information, and group personality information.

In addition, in order for the client to join the group, the client must possess a predetermined card issued by a specific card company (or financial company) and / or a point management company, and the server 105 is configured to specify the client to join the group. It is desirable to confirm whether or not a person holds a predetermined card issued by a card company (or financial company) and / or a point management company.

If the client does not satisfy the condition to join the group (425), the server 105 transmits and outputs a predetermined error message to the client terminal 100 (430), and specifies that the client will join. The process of selecting and receiving a group name and / or a specific group code for the group is repeated.

According to a preferred embodiment of the present invention, the client does not possess a predetermined card issued by a specific card company (or financial company) and / or a point management company required to join the group (e.g., a group to a client). Issuance of a card for subscribing to the card 435), the server 105 connects the client to the group in association with a predetermined card issuing institution including the card company (or financial company) and / or a point management company. It is preferable to perform 440 a procedure for issuing a predetermined card required to join.

On the other hand, if the client satisfies the condition for joining the group (425), the server 105 inputs the client owned card information (or customer information) to the client terminal 100 and provides it to the server 105. After transmitting and outputting a predetermined group subscription interface (445), the client terminal 100 inputs (or selects) the client owned card information (or customer information) through the group subscription interface (450). In operation 455, the client owned card information (or customer information) is transmitted to the server 105.

When the client-owned card information (or customer information) is received from the client terminal 100 through the group subscription interface as described above (455), the server 105 sends the received card information (or customer information) to the group. The validity of the subscription is determined (460).

If the validity of the card information (or customer information is not authenticated (465), the server 105 transmits and outputs a predetermined error message to the client terminal 100 (430), the validity authentication as described above The result is that the client does not have a predetermined card issued by the particular card company (or financial company) and / or point management company required to join the group (e.g. issue a card to join the group to the client). 435), the server 105 associates the client with a predetermined card issuing institution, including the card company (or financial company) and / or point management company, to request the client to join the group. Perform a procedure of issuing (440).

On the other hand, if the validity of the card information (or customer information is authenticated (465), the server 105 is the card information (and / or customer information) received from the client terminal 100 and the group information selected by the client) The data is stored in the storage medium 125 in association with each other (470).

According to a preferred embodiment of the present invention, storing the received card information (and / or customer information) in the storage medium 125 in association with the group information selected by the client, the storage on the storage medium 125 Preferably, the card information (and / or customer information) of the received client is added to a storage area in which card information (and / or customer information) is stored corresponding to the group.

According to a preferred embodiment of the present invention, a predetermined group card is issued to the client by storing card information (and / or customer information) for the client in the storage medium 125 in association with specific group information. It is preferable to regard it as being done.

5 illustrates a method of operating a group card issued to a client according to a preferred embodiment of the present invention.

In more detail, in FIG. 5, at least two or more clients join a newly established group through the process as shown in FIG. It is a preferred case of storing and managing the card usage history of the clients belonging to the group to calculate.

Referring to FIG. 5, a client included in a specific group through the same process as in FIGS. 3 to 4 may repeatedly perform payment processing through at least one electronic payment (payment) system provided offline and / or online. In the payment system 160, the payment procedure using the client-owned card is being performed 500. If the card payment is approved (505), the payment system 160 sends the card to the server 105. The card information (or customer information) and card usage history of the client whose payment is approved are transmitted (510), and the card information (or customer information) and card use of the client whose card payment is approved according to the card payment approval as described above. The process of transmitting the details to the server 105 is repeated.

When the card information (or customer information) and the card usage history of the client whose card payment is approved from the payment system 160 are received 510, the server 105 receives the received client on the storage medium 125. It is checked whether there is a group matching the card information (or customer information) of 515.

If there is no group in the storage medium 125 that matches the received card information (or customer information) (520), the server 105 receives the client from the payment system 160. The card information (or customer information) for the card and the history of card use are deleted (525), and the providing of the group card service to the client ends.

On the other hand, if there is a group matching the received card information (or customer information) on the storage medium 125 as a result of the check (520), the server 105 is the client received from the payment system 160 The card usage history of the card is stored in the storage area in which the card usage history is stored corresponding to the card information (or customer information) of the client on the group (530).

According to a preferred embodiment of the present invention, the server 105 receives the card information (or customer information) and the card usage history of the client from the payment system 160 as described above on the storage medium 125 The storing in the card usage history storage area on the group including card information (or customer information) is preferably repeated until the incentive value for each group is calculated (535) and distributed to the clients belonging to the group.

Figure 6 illustrates a method of calculating and providing incentive value for a group card to a client in accordance with a preferred embodiment of the present invention.

In more detail, the present invention is based on the contribution of the clients belonging to the group when the incentive value calculation for each group is performed while storing the card usage history for the client belonging to the specific group through the process as shown in FIG. It is about the distribution of incentive value.

According to a preferred embodiment of the present invention, when the incentive value calculation for each group is performed, the card usage history for the client belonging to the group is stored in the storage medium 125 or in the server 105. Preferably, the server 105 stores the card usage history of the client for a predetermined period of time based on the provided incentive policy or group information included in the group to which the client belongs.

If a group incentive value calculation is performed for the group to which the client belongs (600), the server 105 extracts the card usage history for at least two or more clients included in the group from the storage medium 125 and In operation, the card usage history of each predetermined group is calculated (605), and the validity of the calculated card usage history of each group is determined (610).

According to a preferred embodiment of the present invention, determining the validity of the card usage history of each group, whether the card usage amount of the card usage history of each group satisfies the minimum or maximum usage amount setting information of each group of the group information; It is preferable to include making judgment.

If the validity of the card usage history of each group is not authenticated (615), the server 105 initializes the card usage history for each client stored in the group for a predetermined period (655), the group End offering incentives through the card.

On the other hand, if the validity of the card usage history for each group is authenticated (615), the server 105 reads the calculated card usage history for each group to calculate the incentive value for each group (610), and for each group The card usage history is compared with the first client card usage history belonging to the group (625), the degree to which the first client contributes to the calculated incentive value is calculated (630), and the contribution to the calculated first client After calculating the calculated incentive value to be provided to the first client among the incentive value of each group (635), the calculated incentive value is distributed to the first client (540).

According to a preferred embodiment of the present invention, the process of calculating each contribution to each client belonging to the group with respect to the group incentive value and distributing the incentive value is performed for all clients belonging to the group. desirable.

Therefore, after distributing and providing incentive values according to the contributions to the first client as described above, the server 105 stores the card usage history of each group and the second,... The process of comparing the card usage history with respect to the N-th client is repeated (650), and each contribution is calculated and the incentive value is distributed and provided according to the comparison result.

If distribution of the calculated group incentive value to all clients belonging to the group is completed and contributed (645), the server 105 initializes the card usage history for each client included in the group. After that (655), the process of storing the card usage history for each client belonging to the group through the process as shown in FIG.

According to the present invention, a card issuing agency (eg, a card company, a financial company, a point management company) has an advantage of providing an incentive program intensively to a group of customers belonging to the group, thereby improving loyalty to the use of a card. There is an advantage that the incentives to use the card on a condition that is superior to the individual customer based on the card usage by group (for example, the sum of payment amount using the card) superior to the individual.

Claims (9)

If at least two clients provide a specific group name and / or a specific group code, An information classification step of classifying a specific group name and / or a specific group code provided by the at least two clients in a predetermined information classification means into the same group name and / or group code; And The card information (and / or card information of the clients providing the group name or group code to the group name and / or group code information classified by the same group name and / or group code through the information classification step in a predetermined information storage means). Or an information storage step of storing the data in a predetermined storage medium in association with the customer information). The method of claim 1, And an information providing step of providing group setting information of the card to a card-owning client included in the specific group. The method of claim 1, And providing an individual member information including at least one of email information, communication means information, and personal information of each card possession client included in the specific group to the card possession client included in the specific group. Group card issuing method, characterized in that made. The method of claim 1, When storing the card usage history of the client, In association with the storage medium, the card information (and / or customer information) included in the specific group is confirmed, and based on the confirmed card information (and / or customer information), at least two included in a specific group Group card issuing method characterized in that it further comprises the step of calculating the card usage history for each group to calculate the sum of the above card usage history. The method of claim 1, When storing the card usage history of the client, In connection with the storage medium, the card information (and / or customer information) included in the specific group is confirmed, and based on the confirmed card information (and / or customer information), at least two included in a specific group A card usage history calculation step for each group calculating the sum of the above card usage history; An incentive calculation step of calculating a predetermined group incentive value provided corresponding to the group card usage history calculated through the group card usage history calculation step; And And an incentive providing step of distributing and providing an incentive calculated through the incentive calculation step to a card-using client included in the specific group. The method of claim 1, When storing the card usage history of the client, In connection with the storage medium, the card information (and / or customer information) included in the specific group is confirmed, and based on the confirmed card information (and / or customer information), at least two included in a specific group A card usage history calculation step for each group calculating the sum of the above card usage history; An incentive calculation step of calculating a predetermined group incentive value provided corresponding to the group card usage history calculated through the group card usage history calculation step; A contribution calculation step of calculating each card usage history contribution to the total usage history by comparing each card usage history included in the specific group with a total usage history corresponding to the incentive calculated through the incentive calculation step; And And an incentive providing step of distributing the calculated incentive in correspondence with the contribution calculated through the contribution calculation step. According to claim 1, The group card issuing method, Group card issuing method, characterized in that implemented through the company's server that provides a point (or mileage), and / or the financial company server, including the card company server or bank server. The method of claim 1, wherein the card, Point (or mileage) group card issuance method, characterized in that it comprises at least one credit card, debit card, prepaid card, check card. A recording medium which records a program for executing the method of any one of claims 1 to 6.

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