KR20070030525A - System for real time reserving intergrated point and method thereof - Google Patents

Abstract

The present invention relates to a technology that allows to earn in real time to the point of the desired merchant to use points for the purchase amount from other merchants.

To this end, the present invention is a merchant terminal for each affiliate; A POS server configured for affiliates and receiving an approval request from the affiliated store terminal; In the real-time point integration earning method applied to a system configured for each partner having a point server for accumulating points for the payment amount of the affiliate card, when the point approval request for a specific card from the merchant terminal, the POS server A first step of determining whether the card is an affiliate card of the company; As a result of the determination of the first process, when the card is determined to be the affiliate card of the company, the point server accumulating the points for the payment amount as the company's points; As a result of the determination of the first process, if it is determined that the card is a third-party affiliated card, a third process of converting the company's points into the third-party points and accumulating in the card is configured.

Description

System for real time reserving intergrated point and method

1 is an overall configuration diagram of a real-time point integration earning system according to an embodiment of the present invention.

Figure 2 is a detailed configuration diagram of the point management system shown in FIG.

3 to 4 is a flowchart for explaining a real-time point integration earning method according to an embodiment of the present invention.

5 is a schematic diagram for illustratively explaining a real-time point settlement process according to an embodiment of the present invention.

The present invention relates to a real-time point integrated earning system and method, and more particularly, to a technology for real-time earning points to the point of the desired merchant to use points for the purchase amount in other merchants.

At present, credit card companies accumulate points or miles for a certain percentage of the credit card payment amount, and if the points or miles are accumulated more than a certain level, cashback the points or miles or collect the points or miles. It supports the purchase of used goods.

In the above case, when a user holding a credit card of a specific merchant requests the payment using the credit card from the credit card merchant, the merchant owner uses the dedicated terminal to transmit information of the credit card to the credit card company (eg, a card). Number, expiration date, etc.), and the credit card company authenticates the credit card, and if the authentication is successful, approves the requested payment.

The credit card company accumulates the credit card payment amount used in the above manner, charges the user monthly, and if the payment for the charge is completed normally, points or miles for the payment amount are accumulated.

The points or miles earned in this way are paid by the credit card company. If the user requests the use of points or miles earned at the merchant, the merchant owner requests approval from the credit card company for the use of the points. If approved, the payment will be paid from the credit card company.

According to the point or mileage system as described above, since points or miles are accumulated in the credit card company based on the payment amount, the points or miles are not accumulated in real time, but are performed on a monthly basis.

In addition, since the above-mentioned mileage system is for encouraging the use of credit cards, the degree of accumulation of points or miles (for example, about 0.1% to 0.2%) is very low according to the credit card company's point calculation criteria.

Accordingly, credit card users tend not to be active in accumulating points or miles of credit cards.

Since the point or mileage accumulation method as described above is for promoting the use of a credit card, the point or mileage accumulation method does not induce continuous purchase at an actual merchant.

On the other hand, large companies having a plurality of branches (for example, department stores, large discount stores, refiners, etc.) by earning a point or mileage at a relatively high rate, issuing its own points earning card to induce the continuous purchase of consumers. In this case, when a consumer submits a points earning card at the time of purchase, he or she earns a percentage of the purchase amount as points or mileage, and if the point or mileage is accumulated more than a certain amount, the company can use the cash instead of cash. Drive the use of the business. In such a system, in order to induce the continuous purchase of the member in the company side, for example, 1% or 2% of the purchase amount is accumulated. This is to accumulate points or miles at a considerably higher rate than the mileage provided by the credit card company, and since the points or miles granted are more likely to lead to another sale by being used by the company, It can provide you with points.

On the other hand, in the case of issuing a mileage card from the company as described above, the user must have a points earning card for each company used by the user to receive points for the payment for each use of the company, which is quite cumbersome for the consumer. As the points are scattered for each company, it is practically difficult to accumulate enough points to be used by the company, and the user is passive in earning points.

In order to alleviate the inconvenience, a plurality of merchants form a pool to earn a certain percentage of a certain amount of the payment amount at the merchant (eg, OK cashback) is provided, but from the merchant's point of view Because it is accumulated as a specific point instead of the merchant points, the possibility of repurchase is lowered to accumulate points, and because of the low possibility of repurchase, it is inevitable to provide a low point accumulation rate.

Therefore, in the point earning method described above, even though the cost of the point is paid by the merchant, the point is accumulated as a specific point (OK cashback), so it may be necessary to connect to the merchant promotion or repurchase according to the point accumulation. The disadvantage is not. For this reason, merchants apply a low point accumulation rate, which is low point accumulation rate from the user's point of view is not easy to earn points.

On the other hand, a service that allows users to use the integrated points by integrating the points or miles scattered online (www.pointpark.co.kr) into a specific mileage.

However, in the case of the above-mentioned service, since it is performed online, users can visit the site directly for mileage integration, and input various information for checking scattered mileage, so that the scattered mileage can be converted into integrated mileage. There is a problem that the user must bear the economic loss because the user has to bear the fee for the use of the integrated mileage at the time of using the integrated mileage.

The present invention was created in view of the above circumstances, and the present invention provides an integrated real-time point earning system that enables a real-time automatic accumulation of a certain percentage of the amount purchased by an affiliate card holder, regardless of the affiliate, as points or miles of the affiliate. And to provide a method.

In order to achieve the above object, the real-time point integrated earning system according to the present invention, affiliated merchant terminal for each affiliate; A POS server configured for each affiliate and determining whether the affiliate card of the card is owned when approval of a point for a specific card is requested from the affiliated store terminal; Point servers configured for each affiliate, summing the points accumulated in the affiliates and points earned in the affiliates for the affiliate card to earn points in the affiliate card; And a point for requesting point approval for a specific card from the affiliated store terminal, accumulating points for the payment amount as affiliate points of the card, and performing point settlement between the point server of the affiliated store using the card and the point server of the affiliated company. And a management system, wherein the POS server requests point approval to the point server when the card is determined to be an affiliate card of the company, and requests point approval to the point management system when the card is determined to be a third party affiliate card. It is done.

In addition, real-time point integration earning method according to the present invention in order to achieve the above object, affiliated merchant terminal for each affiliate; A POS server configured for affiliates and receiving an approval request from the affiliated store terminal; In the real-time point integration earning method applied to a system configured for each partner having a point server for accumulating points for the payment amount of the affiliate card, when the point approval request for a specific card from the merchant terminal, the POS server A first step of determining whether the card is an affiliate card of the company; As a result of the determination of the first process, when the card is determined to be the affiliate card of the company, the point server accumulating the points for the payment amount as the company's points; As a result of the determination of the first process, if it is determined that the card is a third-party affiliated card, it is characterized in that it comprises a third process of converting the company's points into third-party points and accumulate in the card.

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

1 is an overall configuration of a real-time point integrated earning system according to an embodiment of the present invention.

In FIG. 1, the case where A Affiliate, B Affiliate, and C Affiliate respectively issued A Affiliate card, B Affiliate card, and C Affiliate card is demonstrated, for example.

Each affiliate manages an affiliated store terminal. For example, if the affiliated store is a large discount store, the affiliated store terminal may correspond to a cache terminal installed at each branch of the large discount store.

In addition, a plurality of affiliated terminals are connected to each affiliated company, POS terminals 20A, 20B, and 20C for collecting approval requests from the affiliated terminals, and point servers 30A for managing points assigned to respective affiliated card members. 30B, 30C).

Hereinafter, the function of each component shown in FIG. 1 will be described in detail.

Affiliate terminal (10A, 10B, 10C) is installed in the branch of the affiliated to enter the information on the affiliate card requested for the point approval from the user, and the function to notify the user of the point approval result and point accumulation result for the affiliate card Perform.

The POS servers 20A, 20B, and 20C are connected to a plurality of affiliated terminals, respectively, and collect a message for requesting a point approval transmitted from each affiliated terminal, and thus, the point server 30A, 30B, 30C, or point management system 40. Perform the function of sending to.

Here, the affiliated POS server (20A, 20B, 20C) and the point management system 40 may be configured as a dedicated line or an Asymmetric Digital Subscriber Line (ADSL), depending on the number of affiliated terminal terminal value-added network (VAN) The merchant terminal may directly access the point management system 40 and request payment approval and point approval.

 When point approval is requested from the POS servers 20A, 20B, and 20C, the point management system 40 calculates a point corresponding to the settlement amount based on the point conversion criteria of the affiliated store where the POS server is installed, and the calculated point To perform the function of earning the points of the affiliate card. In particular, in the present invention, the point management system 40 recalls the points generated due to the purchase even if the affiliate card requested for point approval from the POS servers 20A, 20B, and 20C is not the affiliate card of the affiliated store to which the POS server belongs. Point server (30A, 30B, 30C) of the partner that manages the affiliate card and accumulates the points of the affiliate card, and generates the point of the affiliate card, and point server (20A, 20B, 20C) of the partner including the POS server. The point history can be managed by the relevant POS server. In addition, the point management system 40 performs a function of notifying the point servers 30A, 30B, and 30C by calculating points between respective affiliates at regular intervals.

In the embodiment of the present invention, the point management system 40 is described as approving the point approval procedure, but the point approval is performed by the point server of each affiliate and receives the point approval result from the point server, and receives the point approval result. It may be configured to settle points between affiliates based on the basis.

The point server 30A, 30B, 30C of each affiliated company, which is connected to the point management system 40 by a dedicated line or a dedicated network, manages the point history of the affiliate card registered as a member in association with the point management system 40. In particular, in the present invention through the point settlement process of the point management system 40, the point server (30A, 30B, 30C) receives the point price for the points generated in other affiliates from the affiliates of other affiliates, to the points of the affiliate card Earn.

Detailed configuration of the point management system 40 for performing the above operation is as shown in FIG.

The point management system 40 is a network matching unit 31 that supports registration with the communication network, and when the point approval request is transmitted from the communication network, the point approval server that performs the point approval operation and the point calculation operation in conjunction with the DB server 35. (32), the affiliate management server 33, DB server (35), which transmits the point accumulation result to each affiliate point server (30A, 30B, 30C) and performs point settlement operation between each affiliate in connection with the DB server (35). It is provided with a web server 34 to perform the associated operation to enable the affiliate card holder to check the point earning status through a browser in conjunction with the web. In the present invention, the DB server 35 is preferably stored all of a series of information for the integrated point management, for example, card authentication information for the card issued by each affiliate, point history information accumulated for each affiliate card, Point information accumulated by affiliates and point conversion criteria information by affiliates are stored.

Hereinafter, a method for accumulating real-time points according to an embodiment of the present invention will be described in detail with reference to the flowcharts shown in FIGS. 3 and 4.

As shown in FIG. 2, the A affiliated card user may request points from the A affiliated card affiliate terminal 10A or the B affiliated card affiliate terminal 10B using the A affiliated card, and the B affiliated card user also uses B Using the alliance card, the A affiliate card affiliate store terminal 10A or the B affiliate card affiliate store terminal 10B may request to accumulate points. The same is true for C affiliate card users.

The POS server 20A, when requesting the point approval from the affiliated store terminal 10A is requested (S2), based on the card number transmitted from the affiliated store terminal 10A, the POS server 20A determines whether the authorized card is a company card (S4). . In the present invention, the affiliate card number may be given as "AABB-CCC-D-DDDD-DDD-E", where AA is the card identification identifier, BB is the issuer identifier, CCC is the merchant identifier, and D-DDDD- DDD is a member identifier and E is used as a check digit.

As a result of the determination in step S4, if it is determined that the card is not the own card (No in S4), the POS server 20A requests the point management system 40 for point approval.

Accordingly, the point management system 40 performs card authentication by determining whether the affiliate card number is already registered in the DB server 35 using the affiliate card number as described above (S8).

As a result of the card authentication, if the affiliated card number is not already registered in the DB server 35, it is determined that the card authentication failed (No in S10), and notifies the card authentication failure through the POS server 20A ( S12).

 However, unlike the above case, if the affiliate card number is already registered in the DB server 35 as a result of the card authentication performed in step S8, it is determined that the card authentication is successful (Yes in S10), and the DB server 35 Inquiry on the point conversion criteria of the affiliate (S14). The point conversion standard is to represent the points earned per unit payment amount.

Subsequently, the point management system 40 calculates the points according to the payment amount using the inquired point conversion criteria (S16), and in order to accumulate the calculated points as the points of the corresponding affiliated card, DB the accumulated information of the points The server 35 stores the data (S18).

In addition, the point management system 40 transmits the point approval result to the affiliated store terminal 10A through the POS server 20A, so that the point approved result is notified to the affiliated card user of the affiliated store terminal 10A (S20). .

At the same time, the point management system 40 transmits the point approval result to the point server of the affiliate company (for example, if the B affiliate card is used in the A affiliate card affiliate terminal 10A, the point server 40A). At the same time (S22), the point approval result is also transmitted to the point server 30B of the B partnership card (S24). In the point approval result transmitted to the point server 30B of the B affiliate card in step S24, it is preferable that affiliate information, affiliated store information, etc., in which the point is generated, are included.

Subsequently, the point management system 40 stores the earning information for the points accumulated in step S18 in the DB server 35, and then periodically using the point earning information stored in the DB server 35, points between each partner The settlement is performed, and the settlement result is transmitted to the point servers 40A, 40B, and 40C of each affiliate (S26). Here, the point accumulation information stored in the DB server 35 includes point generation affiliate information, point generation affiliate information, point generation information, point accumulation affiliate information, and the like.

On the other hand, if the determination result of the POS server 20A in step S4, the card approved by the merchant terminal 10A is determined to be an affiliated card issued by the company (Yes in S4), POS server as shown in Figure 4 20A transmits a point approval request message to the A affiliate point server 30A (S30).

The point server 30A determines whether the card number transmitted from the POS server 20A is already registered, thereby performing card authentication on the card.

As a result of the card authentication, if the card number is not registered, it is determined that the card authentication has failed (No in S32), and notifies the card authentication failure through the POS server 20A (S34).

However, unlike the above case, if the card number is already registered as a result of performing card authentication on the card, it is determined that the card authentication is successful (Yes in S32), and a point corresponding to the payment amount is calculated ( S36).

A partner point server (30A) stores the point accumulation information in the database (not shown), so that the calculated points are credited to the card, and transmits the point approval result to the merchant terminal (10A) through the POS server (20A) (S40). As a result, the card user can check the point accumulation status.

As described above, when the affiliate's point server assumed in the present invention is requested to accumulate points of the company's affiliate card through its affiliated terminal, points for the payment amount to its own points, and if the company through the third party affiliated terminal If points are requested to accumulate affiliate cards, points earned from third-party point servers are transferred, earned as own points, and then provided to the affiliated card users.

As shown in FIG. 5, if the A partner is 9000P to be transferred to the B affiliate and the points to be transferred from the B affiliate are 9000P, the A affiliate does not have a point amount to be settled with the B affiliate. In addition, if the A partner has 7000P points to be transferred to the C affiliate, and the A affiliate has 5500P points to be transferred from the C affiliate, the A affiliate will settle the point price equivalent to 1500P with the B affiliate.

In the same manner as above, Affiliate B should pay the point price equivalent to 1500P to Partner C, Partner C will receive 1500P points for A partner and 1500P for B partner You will be paid points. In the embodiment of the present invention, for convenience of explanation, it is assumed that one point of all affiliate stores is one won, and the point values of all affiliates are all the same. If the value of points between each affiliate is different, the points between the affiliates are settled according to the point conversion criteria.

Referring to FIG. 5, the C affiliate card holders of C affiliates purchase goods at A and B affiliates, and the points according to the purchase of the goods are accumulated as C affiliates' points.

Therefore, C affiliate card holders can earn points the same as those used by C merchants even if they use C affiliate cards at other merchants. Since the payment for the points used at the merchant is settled from the merchant, no financial damage occurs.

As described above, according to the real-time point integrated earning system and method according to an embodiment of the present invention, regardless of the merchant can automatically earn a certain percentage of the amount purchased by the affiliate card in real time points or miles of the affiliates . As a result, it is easy to accumulate affiliate points, and thus it is possible to continuously maintain the purchase of goods according to the points accumulated.

On the other hand, the present invention is not limited to the above-described embodiment, but can be modified and modified within the scope not departing from the gist of the present invention, such modifications and changes should be regarded as belonging to the following claims. will be.

Claims (12)

Affiliated merchant terminals; A POS server configured for each affiliate and determining whether the affiliate card of the card is owned when approval of a point for a specific card is requested from the affiliated store terminal; Point servers configured for each affiliate, summing the points accumulated in the affiliates and points earned in the affiliates for the affiliate card to earn points in the affiliate card; And If point approval is requested for a specific card from the affiliated store terminal, points are managed for accumulating points for the payment amount as affiliate points of the card and performing point settlement between the point server of the affiliated store using the card and the point server of the affiliated company. System, The POS server requests point approval to the point server when the card is determined to be its affiliated card, and requests point approval to the point management system when the card is determined to be a third party affiliate card. system. The method of claim 1, wherein the POS server Based on the number of the card, the real-time point integrated earning system, characterized in that determining whether the card own affiliate card. The method of claim 2, The format of the card number is AABB-CCC-D-DDDD-DDD-E, Wherein AA is a card identification identifier, BB is an issuer identifier, CCC is a merchant identifier, D-DDDD-DDD is a member identifier, and E is a Check Digit, characterized in that the earning point. The method of claim 1 or 2, wherein the point management system After the point is earned, the point earning information, characterized in that the real-time point integrated earning system, characterized in that for transmitting to the point server of the merchant and the point server of the affiliate using the card. The method of claim 4, wherein the point management system A point approval server for performing point approval on the affiliate card; An affiliate management server that manages point accumulation information for each affiliate and performs settlement of points for each affiliate; A web server for supporting the point accumulation information of the affiliate card on the web; And Stores information used by the point approval server for point approval, information used by the affiliate management server for point history management for each affiliate, and information used by the web server to support point inquiry on the web. Real-time point integrated earning system, characterized in that it comprises a DB server to provide. The method of claim 5, wherein the affiliate management server Real-time point integration earning system, characterized in that for managing the points to be transferred to other affiliates for each of the affiliates, each affiliate performs the settlement of the points for the other affiliates, and transmits the settlement result to the partner's point server. The method of claim 1, wherein the point server Real-time point integrated earning system, characterized in that the points are added to the company's points when the point settlement of the company's affiliated card credited through the third party merchant by the point management system is completed. Affiliated merchant terminals; A POS server configured for affiliates and receiving an approval request from the affiliated store terminal; In the real-time point integration earning method applied to a system configured for each partner having a point server for accumulating points for the payment amount of the affiliate card, A first step of determining, by the POS server, whether the card is an affiliate card of the company when a point approval for a specific card is requested from the affiliated store terminal; As a result of the determination of the first process, when the card is determined to be the affiliate card of the company, the point server accumulating the points for the payment amount as the company's points; And as a result of the determination of the first process, if the card is determined to be a third-party affiliate card, a third process of converting the company's points into third-party points and accumulating them on the card. The method of claim 8, wherein the POS server in the first process Based on the number of the card, the real-time point integration earning method, characterized in that the card determines whether the affiliated card. The method of claim 8, wherein the third process is Step 3-1 of the POS server requesting point approval for the card to a point management system; Step 3-2 of performing authentication on the card based on the affiliate card information stored in the database; A step 3-3 of inquiring a point calculation standard registered by an affiliate of the affiliated store requesting the point approval in the database if authentication of the affiliate card is successful; And  A third step of calculating a point for the payment amount based on the point calculation criteria, accumulating the partner points of the card, and transmitting the point accumulation result to the POS server; And Real-time point integration earning method characterized in that it comprises a 3-5 process that the point accumulation result is notified to the card user through the merchant terminal. The method of claim 10, wherein the step 3-4 is And after the point management system accumulates the affiliate points of the card, transmitting the point accumulation result to the point server managing the affiliate server of the partner of the card and the affiliated terminal requesting the point approval of the card. How to earn real-time point integration. The method of claim 8, A fourth step of calculating, by the point management system, points to be transferred to other affiliates by inquiring stored point accumulation information for each affiliate; A fifth process of canceling points for points to be transferred between affiliates; A sixth step of requesting the settlement of the price corresponding to the point to be transferred to the partner partner point server to the partner point server of the partner which has a point to be transferred even after the point is canceled; And When the settlement of the point price is completed, the seventh process of the company's point server adds the points converted from the third party affiliate point to the company's affiliate point to the company's points further real-time point integration earning method.

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