KR20060133209A - Additional accumulating premium card managing method using networks - Google Patents

Abstract

A method for operating an additional accumulation credit card using the network is provided to keep fairness/trust among a credit card company, a member shop, and a member by updating/reporting a premium accumulation status to the member in real-time whenever transaction is generated from the member, and make the credit card used in the on/offline member shop at the same efficiency. Whenever the member transacts goods or services in the member, a fixed rate of a system use fee is accumulated to a premium accumulation account managed by the credit card company(205,254). At the same time, the member is determined as a regular member or a lucky member by recognizing a use frequency of the member with a credit card number recognizer of a credit card checker, and data is stored to a main server of the credit card company and is informed to the member. The additional points are accumulated to the member using the credit card at the same member shop over fixed times and qualification for applying a periodical special premium event is given to the member. The additional points and the qualification for the periodical special premium event are given to the member using the credit card at one shop in a specific number of the numeric order.

Description

ADDITIONAL ACCUMULATING PREMIUM CARD MANAGING METHOD USING NETWORKS}

1 is a block diagram showing the flow of services and information in the additional credit card operating method using a network according to the present invention.

2 is a flow chart showing the operation of the additional credit card operating method using a network according to the present invention.

Figure 3a illustratively illustrates the configuration of the homepage of the card operator, the operating body of the credit card operating method introduced additional reserve using the network according to the present invention.

Figure 3b is an exemplary view showing a screen showing the status of the lottery application of the member in the homepage of the card operator.

Figure 3c illustratively shows a screen showing the member's personal reserve status on the card operator's homepage.

4 exemplarily illustrates a slip of luck issued to a member when a transaction is made at a merchant.

5 is a flowchart illustrating an operation procedure of an additional credit card operating method using a network in a delivery specialist franchise.

6 is a flowchart illustrating an automatic application method for participating in a lottery in a method of operating an additional credit card using a network according to the present invention.

The present invention relates to an additional credit card system using a network, and more specifically, if you purchase goods or services at the card merchant not only earn a certain rate of money to the member, that is, a regular member, that is, the same member at the same merchant To the member who used the card for this prescribed number of times (e.g. 5, 10, 15, 20, ..., ie every time a multiple of 5) the member's current reserve Earn a certain amount of money (e.g. 10% to 100%) of your current reserves and give you a lucky member, i.e. 50th, 100th, 150th, ... I.e., every 50 times the 50th) to the member who used the card anywhere in the merchant, the member's current reserve is added to the member's current reserve at a certain rate (10% to 100%) of the original fund, and for each transaction. Lucky slip with lucky number written to member Given periodically carried out to impart a prize winner by a lottery using these lucky number.

Funds for the prizes are made by accumulating a certain amount of money (e.g., 10% to 50%) among the system usage fees paid by the merchant to the card company each time the member uses the card at the merchant. do.

In addition, the loyalty card and lucky members will be eligible to apply for a special sweepstakes at regular intervals to the credit card operation method introduced additional accumulation using a network that can encourage members to voluntarily use the card.

Earning concept of credit card system (for example, OK cashbag card of SK Corporation), which earns a certain amount of money according to a certain accumulation rate when a card is issued for a conventional customer and the customer who issued the card purchases an item at a card merchant. The new reward reward card, double credit card, LG Oil's Bonus card, etc.) have a low expectation value due to the small amount of reserves.

In addition, due to the low advertising and public relations effect, it was difficult to maintain continuous interest of members and merchants, and it was also difficult to attract new members or merchants.

In addition, the management of the merchants and members of the card company is insufficient, bringing a meeting about the fairness and reliability of the reserve refund, etc. did not induce the active participation of the merchants, there was a problem that causes the members distrust and indifference. These problems can be further deepened by voluntary reserve management and refund.

Korean Patent Laid-Open Publication No. 0000-00000 discloses a method of paying a predetermined bonus to a customer by accumulating a payment amount of a receipt paid to a customer using a store or a store. This method is invented considering the inability to accumulate bonuses in cash payments, but it is new or progressive because the credit card separate from the credit card is being used as a bonus or discount amount credit card at cash settlement. It is difficult to see the invention, and the point is also unclear, it is difficult to implement the disclosed invention only by the disclosed configuration.

Korean Patent Publication No. 0000-00000 discloses a gratuitous score that allows free management of gratuitous points granted after purchasing goods or services using an IC card online or offline so that other industries can use them freely as cash. A management method is disclosed.

The invention of Publication No. 0000-00000 is provided to the individual after correction by adding or subtracting the grading scores that are provided at different rates and values for each company as a whole, and when the user requests payment, the accumulated gratitude points are paid in cash. I give it a point.

However, this method has the same problem as the other methods described above in that the criteria for evaluating the gratuitous scores are vague and only the accumulation of gratuitous scores is given to the individual users.

The present invention has been made to solve the above-described problems of the prior art, the technical problem to be achieved in the present invention is to earn a certain amount of money for each member each time a member makes a transaction at the same merchant and the same at the same merchant To a member (ie, a regular member) who has used the card only as many as the prescribed number of times (e.g. 5, 10, 15, 20, 25, ie every time a multiple of 5) In addition to the current reserves of the member's current reserve amount of a certain percentage (eg 10% ~ 100%) of the additional funds, and the card operator specified in the first (eg 50th 100th 150th .. That is, a member of the merchant who used the card (ie, lucky member) at a certain rate (e.g. 10% to 100%) of the member's current reserve amount to the member who used the card anywhere in the merchant. Earn additional bonuses and lucky numbers for every transaction By issuing a voucher to the member using the card and distributing the prizes to the winners through the draw using these lucky numbers on a regular basis, and giving the regular members and lucky members the right to participate in special prize events held at regular intervals. It is to provide a method of operating an additional reserve card that can increase the expectations of the member using the card, and maximize the customer attraction of the merchant.

Another technical problem to be achieved by the present invention is to provide an additional credit card operation method that can maintain the fairness and trust between card companies, merchants and members by updating the status of the prize reserve in real time whenever a member's transaction occurs in real time. .

Another technical problem to be achieved by the present invention is to provide an additional credit card operating method that can be used at the same time in the online merchant and offline merchants at the same time.

Another technical problem to be achieved by the present invention is to allow members to naturally contact the advertising and promotion of the merchant in the process of participating in the operation of the earning card, to provide an additional credit card operating method that can maximize the advertising and promotion effect of the merchant. It is.

The credit card operating method introduced additional reserve using the network according to the present invention is between card operators, merchants and members that can be accessed by the network, such as the Internet,

(a) earning a certain amount of money online in a separate account managed by the card operator among the system usage fees paid by the member to the card company each time the member makes a transaction of goods or services at the affiliated store;

(b) Each time the member makes a transaction of a product or service at the affiliated store, the card number recognizer of the card size (terminal) connected to the main server of the card operator is memorized to distinguish the regular member and the lucky member. Displaying by;

(c) When the member makes a transaction of a product or service at the affiliated store, a lucky number is automatically assigned, and at the same time, data is stored on the main server of the card company and automatically submitted.

(d) using the lucky draw numbers of the members entered in step (c) to determine the members who will receive the prizes as public draws;

(e) Whenever a member makes a transaction of goods or services at a merchant in step (a), a certain percentage (for example, 10% to 50%) of the system usage fee is accumulated online in a separate account managed by the card operator. At the same time, it is desirable to accumulate a certain percentage of the transaction price in the membership card as a personal reserve.

(f) A regular member in step (b), i.e., every time the same member is defined in the same affiliated store (e.g., 5 times, 10 times, 15 times, 20 times, 25 times ... It is desirable that the member who uses the card as above adds a certain amount (eg 10% ~ 100%) of the member's current reserve to the member's current reserve.

(g) The lucky member in step (b), i.e., a member from one affiliated store in a certain order (e.g., 50th 100th 150th ... ie every 50 multiples) It is preferable that the member using the card additionally accumulates a certain amount (eg, 10% to 100) of the member's current reserve to the member's current reserve.

(h) It is preferable to further include a step of providing a member card (hereinafter referred to as "card") that can store information such as membership card number and reserves before the step (a).

(i) Prior to the step (h), the card operator preferably loads and operates a homepage having a menu for registering and registering a member in his server.

(j) In the step (i) it is preferable that the home page further comprises an online shopping mall for merchants.

(k) The affiliated store can access the server of the operator through the Internet, and each member with a membership card number, lucky number, merchant number, sales amount, matters related to personal reserves, prize reserves, regular members, lucky members It is desirable to have a terminal for issuing a voucher containing information on the additional accumulation, the number of expected winners, and the right to enter a special sweepstakes.

(l) In (j), in the slip, the member writes a regular member and a lucky member through the terminal at the affiliated store, additionally accumulates the lottery lucky number and the lottery date, and is issued to the member. It is preferable.

(m) In step (b), each time a member makes a transaction at a member store, the member card number, good luck number, sales amount, items related to personal reserves, items related to prize reserves, regular members and lucky It is preferable to include the step of displaying a member, issuing a document showing the eligibility details for participating in the special prizes and the number of winning winners.

(n) step (b) is a step in which a member trades a product and enters a card number after inputting a product price, inputting a password, and giving a lucky number when the member trades in the online shopping mall, It is preferable to include the step of determining and marking the regular member and the fortunate member.

(o) The server of the card operator is provided with a database for storing and managing data on the status of the prize draw of each member, and the menu of the card operator has a menu for viewing the prizes of the prize. It is desirable to ensure that members can confirm their application status at any time.

(p) The server of the card operator is provided with a database for storing and managing data on the personal deposit of each member, and the homepage of the card operator is provided with a menu for checking the personal deposit of the member, the member in real time It is desirable to have a menu to check the status of their own personal funds, so that members can check their own personal funds in real time.

(q) The server of the card operator is provided with a database for storing and managing the data on the prize reserves, the card operator's homepage has a menu for checking the details of the prize reserves, the members in real time prize reserves It is desirable to be able to check the current status.

(r) the server of the card operator is provided with a database for storing and managing data on the expected number of winners in the distribution of the prizes, and the menu of the card operator is provided with a menu for identifying the expected number of winners, It is desirable to allow members to check the status of the expected winners in real time.

Hereinafter, with reference to the accompanying drawings a preferred embodiment of a method for operating an additional credit card using a network according to the present invention will be described in detail.

1 is a block diagram showing the flow of services and information in the additional credit card operating method using a network according to the present invention,

2 is a flow chart showing an operation procedure of the additional credit card operating method using a network according to the present invention,

Figure 3a illustrates an example of the configuration of the homepage of the card operator operating the operating system of the additional credit card using the network according to the present invention,

Figure 3b is an exemplary view showing a screen showing the status of the lottery entry of the member on the homepage of the card operator,

Figure 3c is an exemplary view showing a screen showing the status of the member's personal reserve accumulated from the card operator's homepage,

4 exemplarily illustrates a slip of luck issued to a member when a transaction is made at a merchant,

FIG. 5 exemplarily illustrates a method of operating an additional credit card using a network in an off-line delivery company (for example, a pizza restaurant and a Chinese restaurant).

6 illustrates an example of an automatic application method for participating in a lottery in the method of operating an additional credit card using a network according to the present invention.

In the accompanying drawings and descriptions, the accumulation rate is 10% to 20%, the number of uses 5 times, 10 times, 15 times, ....., the order of use 50th, 100th, 150th, ..... , Etc., but by way of example, the present invention is not limited to such a reserve rate and the number of times of use, order of use and the like. That is, according to the embodiment of the present invention can vary as much.

As shown in FIG. 1, an additional credit card operating method using a network according to the present invention forms a merchant contract with a credit card operator (C) and the card operator (C), which may be connected by a network such as the Internet, and provides a product or service. A member (M) who purchases goods or services from the affiliated store (P) and the card operator (C) as a member and receives a card and purchases a product or service from the merchant (P) is an essential component.

Referring to Figure 1, the card operator (C) for the merchant (P) for advertising and promotion of the merchant on the Internet, to produce and manage the merchant's homepage or shopping, and provides other additional services. On the other hand, affiliated stores (P) earns a certain percentage of the price of goods or services sold by the member to each transaction.

The card operator (C) operates a homepage for recruiting and managing members (M), issuing cards to members, and providing various services and information. In addition, a draw for the distribution of prize money reserves will be made through this website. The card operator (C) will pay the prize according to a predetermined rule to the members who win the result.

Members (M) participate in the distribution of prize money through their lucky number through the network to the card operator (C), pay the annual fee and system fees, and view various information through the card operator (C) homepage. Done.

General netizens, consumers and shops (G) can also access various information by accessing the homepage of the card operator (C), and can join as a member or affiliate store if desired.

Referring to FIG. 1, when a member (M) purchases a product at an affiliated store (P), the affiliated store stores each member with a personal reserve amount as much as a predetermined reserve rate of the product price, and the current reserve of the member to a regular member and a lucky member. In addition, a certain amount of money (10% ~ 100%) of the member's current reserves will be additionally accumulated, and a lucky slip with the lucky number will be issued.

Referring to FIG. 2, when a member purchases a product at an affiliated store (201,202,250,251), the member earns (205,254) as much as an accumulation rate (eg, 3% to 10%) of the product price specified as a contract condition between the card company and the affiliated store (205,254), and a regular member and a lucky member Give a certain percentage (207,209,256,258) of the member's current reserves (207,209,256,258), and qualify to participate in special sweepstakes at regular intervals (eg, quarterly, year-end). give.

The credit card company collects a certain amount (10% to 50%) of the system usage fees paid by the card company to the credit card company in the open account of the credit card company and draws them by the weekly, monthly, and yearly public draws. Give back to the members who received the prize.

The prize winners are automatically entered according to the lottery entry process described below.

The lucky draw number (605, 704, 805) is given to each transaction and at the same time, the lottery is automatically submitted to the main server of the card company (606, 705, 806). 3b).

Lucky lottery numbering method (Fig. 6) depends on whether the transaction was made in the offline merchant (600,700) or online merchant (online shopping mall) (800).

(1) When a transaction is made at a general merchant offline (600 in FIG. 6),

When the merchant terminal inserts the card into the terminal when the product is paid (603), the card company's main server recognizes the card through the network (604) and gives a lucky number (605) and the member's 'my application status' (Fig. 3a). 306, Figure 3b) to save the data to automatically apply (606) and the lucky card to the lucky slip by printing the lucky draw number on the slip of the merchant to issue a lucky slip to the member (607).

It is configured to check whether the application has been made in the "My application status" confirmation menu (see 306 of FIG. 3a and FIG. 3b) of the card operator's homepage connected to the Internet.

(2) Off-line delivery specialists (e.g. pizza, chicken, Chinese restaurants, etc.)

When the transaction is made, enter the card number of the member that the member calls on the phone to the card terminal of the delivery specialist when receiving the delivery order (702). Granted (704) by storing the data in the "my application status" of the member and automatically applied (705) by the card terminal of the delivery specialist merchants print the lucky draw number on the lucky slip to the member to order and good luck Delivery of the document (707).

It is configured to check whether the application has been made in the "My application status" confirmation menu (see 306 of FIG. 3A and FIG. 3B) of the card operator homepage connected to the Internet.

(3) When a transaction is made at an online merchant (online shopping mall) (see 800 of FIG. 6)

When the transaction is made in the online shopping mall, when the payment is made, the card number is input to the computer in the card number input box (803). The card company's main server recognizes the card number and gives a lucky draw number (804,805). Status "(806) to save the data and submit it automatically and display the lucky draw number on the computer monitor. (807)

At this time, the application is configured to check whether or not in the "my application status" confirmation menu (see 306, 5 of Fig. 3a) of the card operator homepage connected to the Internet.

Members' reserves (405,406,409) and prize reserves (400,411), regular members (407) and lucky members (408) additional reserves (407,408), the expected number of winners (412), lucky number (401), entry of special prizes Qualification (415), etc., it is desirable to be able to check at the merchant immediately through the transaction (communication terminal) and the lucky slip (see Figure 4).

In addition, the homepage of the card company (see Fig. 3a) has a menu to check the prize reserve status (301,303), the member's reserve status (307, Fig. 3c), prize contents (302,304), the expected number of winners (302, 304), etc. It is desirable to be able to confirm.

The accumulation status of prize reserves (refer to 301,303 in Fig. 3a) and the expected number of winners (refer to 302,304 in Fig. 3a) are calculated and published on the server of the card company so that members can check each purchase through the terminal of each merchant.

At any time, on the main page of the card company (refer to FIG. 3A), the prize accumulation status (301,303) and the expected number of winners (302,304) by rank are maintained at every moment to maintain fairness and reliability.

The prize money reserves 301 and 303 and the expected number of winners 302 and 304 are updated at each transaction of the members so that the prize money reserves and the expected number of winning prizes can be confirmed in real time.

The card company's homepage (FIG. 3A) operates an independent shopping mall (see 323 of FIG. 3A), treats a product supplier as one affiliate store, treats an e-commerce member as a card member, and has offline merchants and members. It is desirable to assign both obligations and rights equally.

The card company produces and manages the homepage for merchants (320 of FIG. 3A) to advertise and promote the affiliated stores on the Internet, and automatically enters the affiliated store number (415 of FIG. 4) whenever a member enters a prize. By moving to, you can maximize the advertising and promotion of the merchant.

Members who have dealt with merchants on-line go to the merchant's homepage through the lottery application process and obtain necessary product information, so that the connection between offline and online is achieved, thereby achieving convenience of members and sales growth of merchants.

As described above, embodiments of the present invention have been described in detail, but the scope of the present invention is not limited thereto, and the scope of the present invention extends to the range substantially equivalent to one embodiment of the present invention.

According to the present invention, the expectation of the profits that members can make by trading at the merchant is increased, the number of card use increases, and as a merchant, it is easy to secure new and fixed customers, as well as increase sales, and operate the card. The company has the effect of increasing the trust of merchants and members by fair management and operation of prize reserves.

In addition, according to the present invention, while inducing members as consumers, inducing planned and sound consumption, while increasing the savings through the accumulation and the benefits of various cultural services, and maximize the effect of advertising for merchants that are providers of goods or services Not only does it increase the number of fixed customers, but also the efficiency of customer management becomes possible, and the regional and national economies have the advantage of stimulating the economy and improving the distribution industry.

Claims (11)

Between a card operator that can be connected to each other by a network such as the Internet, a member of the card operator and an affiliated store selected from an offline product service store or an online shopping mall, (a) accumulating a certain percentage of the system usage fee paid by the member to the card company each time the member makes a transaction of goods or services at the affiliated store online in a separate reserve account managed by the card operator; (b) Every time the member makes a transaction of a product or service at the affiliated store, the card number recognizer of the card size connected to the network of the card company's main server memorizes the number of times the member uses the regular member (the same member defines the same member at the same affiliated store). Determining a member who has used the card as many times as the number of times) and a lucky member (the member who used the card for the first time as defined by one of the affiliated stores) to store data on the card company main server and to display the information to the member; And (c) In the step (b), the member who used the card the same number of times as the member specified in the same merchant (regular member) to earn a certain percentage of the member's current reserve to the member's current reserve Qualifying to enter special prizes that are given and regularly performed; And (d) To the member (lucky member) who used the card for the first time as defined in the merchant in step (b), the member's current reserve is added to the member's current reserve at a certain rate and To qualify for a special sweepstakes event (e) automatically applying a lucky number every time the member makes a transaction of a product or service at the affiliated store, and at the same time, the data is stored in the main server of a network card company and automatically applied; (f) determining a member to receive a prize reserve as a public lottery while being relayed to members over the Internet in real time using the lucky draw numbers of the members entered in step (e); Additional credit card operating method using a network, characterized in that configured to include. The method of claim 1, (g) every time the member makes a transaction of goods or services at the affiliated store before the step (a), further comprising the step of accumulating a certain percentage of the transaction price on the membership card as a private fund. Additional credit card operating method using a network characterized by. The method of claim 1, (h) before the step (g), the card operator further includes a step of loading and operating a homepage having a menu for joining a member shop and registering a member on its server. How to Earn Cards. The method of claim 3, The additional credit card operating method using a network in the step (h) characterized in that the home page further comprises an online shopping mall for merchants. The method of claim 1, The offline affiliated store can access the server of the card operator through the Internet, the member card number, luck number, affiliated store number, sales amount, matters related to personal reserves, prize money reserves and the present time to the members each transaction The method of operating an additional reserve card using a network, characterized in that it comprises a terminal for issuing a ticket showing the number of winners, regular members, good luck members, additional reserves, eligibility for special prize events. The method according to claim 1 or 5, In the step (b), each time a member makes a transaction at the affiliated store, the member card number, affiliated store number, good luck number, sales amount, items related to personal reserves, items related to prize money reserves and the number of expected winners Issuing a document describing the matters, the loyalty member, the lucky member, the additional reserves, and the eligibility for the special prize; Additional credit card operating method using a network characterized in that. The method of claim 1, In the step (b), when a member makes a transaction in the online shopping mall, the product transaction is performed and the card number is entered after payment of the product price; A lucky number is assigned; Additional credit card operating method using a network, characterized in that configured to include. The method of claim 3, The server of the card operator is provided with a database for storing and managing data on the status of the prize draw for each member's distribution of prize reserves, and on the homepage of the card operator can view the details of the prize draw for the distribution of prize reserves of members. The method of operating an additional credit card using a network, comprising a menu, so that members can check their lottery application status in real time. The method of claim 3, The card operator's server is provided with a database for storing and managing data on the personal deposit of each member, and the homepage of the card operator is provided with a menu for checking the member's personal deposit. Additional reserve card operating method using a network, characterized in that to check the reserve status. The method of claim 3, The server of the card operator is provided with a database for storing and managing data on the prize money reserves of each member, the homepage of the card operator is provided with a menu for checking the details of the prize money of the member, the member in real time Additional reserve card operation method using a network, characterized in that it is possible to check the prize reserve status. The method of claim 3, The card operator's server has a database for storing and managing data on the real-time status of the expected number of winners in the distribution of the prize reserves, and the card operator's homepage can check the expected number of winners per member's prizes. The method of operating an additional credit card using a network comprising a menu so that a member can check the status of the expected winning number of prizes per prize in real time.

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