KR20070040194A - System and method for operating integrated points by using mobile devices number, devices for operating points, recording medium and information storing medium - Google Patents

Abstract

The present invention provides a customer a point given to a customer at a specific store generated in response to a payment processing using a specific payment method at a specific store and a point given to the customer at a financial company (or a financial related company) corresponding to the specific payment method. The present invention relates to a method and system for integrated management and operation using a proprietary wireless terminal number, and to a point operating device and a program recording medium.

Payment Method Information, Wireless Terminal Number, Points, Miles, Integration

Description

System and Method for Operating Integrated Points by Using Mobile Devices Number, Devices for Operating Points, Recording Medium and Information Storing Medium}

1 is a diagram showing an embodiment of a point operating system according to a preferred embodiment of the present invention.

2 is a diagram showing an embodiment of a server according to a preferred embodiment of the present invention.

3 illustrates storage information stored in a storage medium according to an exemplary embodiment of the present invention.

4 is a diagram illustrating customer information stored in a storage medium according to an exemplary embodiment of the present invention.

5A and 5B illustrate point information stored in a storage medium according to one embodiment of the present invention.

6 is a diagram illustrating an information storage process according to an embodiment of the present invention.

7 is a diagram illustrating a process of storing points or miles according to an embodiment of the present invention.

8 is a view showing a functional configuration of a store terminal according to an embodiment of the present invention.

9 is a diagram illustrating the full point processing request according to an embodiment of the present invention.

10 is a simple flowchart of a customer point processing request process according to an embodiment of the present invention.

<Description of main parts of drawing>

100: point operation server 105: storage medium

110: financial institution 115: store terminal

120: customer terminal 125: wireless terminal

200: information receiving means 205: information registration means

210: information storage means 215: information transmission means

220: information checking means 225: point processing means

230: customer authentication means 235: information update means

The present invention is based on the customer-owned payment means information and customer wireless terminal number information registered in advance by the customer, the customer is provided from the financial institution corresponding to the payment means using the store and the payment means when the payment processing using the registered payment means; An integrated point operating method and system using a wireless terminal number for integrated management of a received point or mileage.

Mileage began in earnest with airlines and began in 1981 with the Frequent Flyer Program called A Advantage, which has now been used throughout the industry including finance, telecommunications, distribution and transportation. It is true.

Points, like the above mileage, are simply being used as a means of inducing repurchases and are now very important marketing tools for corporations, and are now actively used as new payment methods in the micropayment market. .

The point or mileage service is a service that allows a customer to purchase a product or service, and provides a certain amount of mileage, and when the accumulated mileage exceeds a certain number of points, the product can be purchased or returned in cash. The type of point or mileage service also appears in various forms according to the service contents. Recently, due to the development of IT technology and the Internet, the type of point or mileage service is complicated and diverse, and its functions are gradually being segmented. .

As IT technology advances, various alliances can be formed, and as a result, customer utilization is increasing, and the use of points or miles as cash is increasing.

In particular, the micropayment market has increased due to the payment of existing Internet-enabled contents on the Internet. As a result, in the micropayment market, where there is no proper payment method, points or miles can be used for various distribution ranges such as convenience of use, increased cash value, and offline use. In line with the expansion and expansion of the micropayment market, it has become one of the important payment methods.

However, as the point or mileage service is complicated and diversified due to the development of IT technology, the point or mileage service or the point or mileage management system is inevitably established in various ways according to the point or mileage service provider.

Therefore, for the point or mileage service, it is inevitable to feel the cost burden for system construction.

In addition, in managing relationships with various affiliates recently, points or miles can be earned from members of affiliates and cards issued by affiliates, which means that points or mileage cards must always be used to use points or miles. There is inconvenience, and there is a cost problem caused by the point or mileage card issuance.

An object of the present invention is derived to solve the above problems, and linked to the customer-owned payment means information and the customer wireless terminal number information stored in a predetermined storage medium, a predetermined store by the payment means registered by the customer In the processing of the payment, stores the point or mileage information provided to the customer from the financial company corresponding to the store and the payment means in association with the customer wireless terminal number in response to the payment processing, the point or mileage of the customer In use, there is provided a method, system, apparatus, and recording medium for identifying the customer wireless terminal number so that identification and processing of corresponding points or miles are performed.

In order to achieve the above object, the integrated point operating method using the wireless terminal number according to the present invention includes at least one customer-owned payment means information and customer wireless terminal number information in a predetermined storage medium in association with a customer terminal in a server on a communication network. Information registration step of registering and storing; When the customer processes payment using the registered payment means at a specific store, the predetermined terminal or mileage information generated in response to the payment process of the customer is transmitted to the server from a predetermined terminal provided in the specific store. Store point transmission step; A financial company (or financial related company) point transmitting step of transmitting, to the server, predetermined points or mileage information generated in response to the payment processing of the customer by a financial company (or financial related company) corresponding to the registered payment means; And a point in which the server stores the point or mileage information transmitted from the specific store and the point or mileage information transmitted from the financial company (or a financial company) in association with the wireless terminal number information of the customer and stores the point or mileage information in a predetermined storage medium. And a storage step.

According to the present invention, the integrated point operating method using the wireless terminal number may include a point information notification step of transmitting the stored point or mileage information from the server to the customer wireless terminal.

In addition, according to the present invention, the integrated point operating method using the wireless terminal number, when the customer uses the points or mileage in the specific store, the server provided with the wireless terminal number information of the customer in the terminal provided in the specific store to the server A point or mileage processing request step of transmitting to a predetermined point or mileage processing; And confirming point or mileage information associated with the customer wireless terminal information in connection with the storage medium (or storage medium operating means) in the server, and based on the identified point or mileage information, It may be configured to further include a point or mileage processing step of processing a point or mileage processing request.

Here, the point or mileage processing request step, characterized in that further transmitting a predetermined authentication code for validity authentication of the customer from the terminal provided in the specific store to the server.

According to the method of the present invention, the point or mileage processing step, after the point or mileage processing, in connection with the storage medium (or storage medium operating means), the point or mileage information processed in connection with the customer wireless terminal information Characterized in that it further comprises the step of updating.

According to the implementation method of the present invention, the point or mileage processing step, applying the points or mileage granted to the customer in the specific store and the points or mileage granted to the customer by the financial company (or financial related company). It features.

According to the implementation method of the present invention, the point or mileage processing step, applying the points or mileage granted to the customer in the particular store and the point or mileage granted to the customer by the financial company (or financial company). It features.

According to an embodiment of the present invention, in the information registration step, the customer-owned payment means information, at least one of payment means issuer information, name information assigned to the payment means, partial or full information of the payment means unique number It is characterized by including the above.

According to the method of the present invention, the point storing step, the point or mileage granted to the customer in the specific store and the point or mileage granted to the customer by the financial company (or financial related company) is integrated or stored, or separated Characterized in that for storing.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the integrated point operating method using at least one or more of the wireless terminal number described above.

On the other hand, the integrated point operating apparatus using the wireless terminal number according to the present invention, information registration means for registering and storing at least one customer-owned payment means information and customer wireless terminal number information in a predetermined storage medium in association with the customer terminal; When the customer processes the payment using the registered payment means at a specific store, predetermined point or mileage information generated in response to the payment process of the customer transmitted from a predetermined terminal provided in the specific store, and the registration Information receiving means for receiving predetermined point or mileage information generated in response to the payment processing of the customer transmitted from a financial company (or a financial related company) corresponding to the payment method; And storing the point or mileage information transmitted from the specific store received through the information receiving means and the point or mileage information transmitted from the financial company (or financial related company) in association with the wireless terminal number information of the customer. And information storage means for storing in the medium.

According to the present invention, the integrated point operating apparatus using the wireless terminal number may be configured to further include information transmitting means for transmitting point or mileage information stored in the storage medium to the customer wireless terminal.

According to the present invention, the integrated point operating apparatus using the wireless terminal number, when the customer uses the points or mileage in the specific store, the predetermined information including the wireless terminal number information of the customer from the terminal provided in the specific store Information receiving means for receiving the full point or mileage processing request; Information checking means for confirming point or mileage information associated with the customer wireless terminal information in association with the storage medium (or storage medium operating means); And point processing means for processing a point or mileage processing request of the specific store terminal based on the identified point or mileage information.

According to the present invention, the integrated point operating apparatus using the wireless terminal number, when transmitting a predetermined authentication code for the validity authentication of the customer from the terminal provided in the particular store to the server, by confirming this of the customer It may be configured to further have a customer authentication means for authenticating the validity.

According to the present invention, the integrated point operating apparatus using the wireless terminal number, after the point or mileage processing, in connection with the storage medium (or storage medium operating means), the point or mileage processed in connection with the customer wireless terminal information It is possible to further comprise a point information updating means for updating the information.

According to the present invention, the information storage means, the point or mileage granted to the customer in the particular store and the point or mileage granted to the customer by the financial company (or financial related company) to store or separate and store It is characterized by.

On the other hand, the integrated point operating apparatus using the wireless terminal number according to the present invention includes a computer-readable recording medium, characterized in that for recording a program for executing the function of at least one or more device configuration means described above.

On the other hand, the integrated point operation system using a wireless terminal number according to the present invention, when a customer using a specific payment means in a particular store, the payment process, a predetermined point generated in response to the customer's payment processing to the point operation server on the communication network A store terminal for transmitting point or mileage information; A financial company (or financial related company) server corresponding to the specific payment means for transmitting predetermined point or mileage information generated in response to the payment processing of the customer to the point operation server; And storing the point or mileage information transmitted from the store terminal and the point or mileage information transmitted from the financial company (or financial related company) server in association with the wireless terminal number information of the customer and storing the point or mileage information in a predetermined storage medium. Point management server to manage; characterized in that comprises a.

According to the present invention, the point operation server may be provided with information registration means for registering and storing at least one customer-owned payment means information and customer wireless terminal number information in a predetermined storage medium in association with a customer terminal.

According to the present invention, the point operation server is characterized in that it comprises an information transmission means for transmitting the point or mileage information stored in the storage medium to the customer wireless terminal.

According to the present invention, when the customer uses the point or mileage at the specific store, the store terminal transmits a predetermined point or mileage processing request message including the wireless terminal number information of the customer to the point operation server. The point management server, in connection with the storage medium (or storage medium operating means), checks the point or mileage information associated with the customer wireless terminal information, and based on the confirmed point or mileage information It characterized in that for processing the point or mileage processing request of the store terminal.

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 are to be described with reference to the preferred embodiment of the 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 will be 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.

Accordingly, the technical spirit of the present invention is determined by the claims, and the following embodiments are merely means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. Reveal that

1 is a diagram illustrating an embodiment of an integrated point operating system using a wireless terminal number according to a preferred embodiment of the present invention.

Referring to FIG. 1, an integrated point operating system using the illustrated wireless terminal number may include at least one customer-owned payment means information and customer wireless terminal number information (and / or customer information) in association with a predetermined customer terminal. A financial company (or a financial related company) corresponding to a predetermined terminal and the registered payment means provided in the specific store when the customer registers and stores in a storage medium and the customer processes the payment using the registered payment means in a specific store. Receive predetermined point or mileage information generated in response to the customer's payment process, and the point or mileage information transmitted from the specific store and the point or mileage information transmitted from the financial company (or financial related company) Cooperative processing with the customer's wireless terminal number information (and / or customer information) to a predetermined storage medium And a point management server 100 (or device) for storing and transmitting the stored point or mileage information to the customer wireless terminal, and when the customer processes the payment using the registered payment means. A store terminal (or server) for providing predetermined point or mileage information generated correspondingly to the point operation server 100, and when the customer processes payment using the registered payment means, It may be configured to include a financial company (or financial related company) server corresponding to the registered payment means for providing the predetermined point or mileage information generated correspondingly to the point operation server 100 (or device).

According to the present invention, the point operation server 100, when the customer uses the point or mileage in a specific store, the terminal provided in the specific store receives the customer's wireless terminal number and a predetermined point or mileage processing request In operation, the point or mileage information associated with the wireless terminal number is linked with the storage medium, and the point or mileage processing request of the specific store terminal is processed based on the identified point or mileage information. do.

Referring to FIG. 1, the illustrated storage medium is stored in association with customer-owned payment means information and wireless terminal information of the customer according to the present invention, and the point management server 100 is based on the stored information. In the payment processing using the registered payment means, the point or mileage corresponding to the wireless terminal number is confirmed, and the information required to process the identified point or mileage is stored, and the storage medium The server may be linked with the server or may be operated and managed through a predetermined storage medium operating means.

When the storage medium is operated through the storage medium operating means, the server may access and extract information stored in the storage medium through the storage medium operating means.

Detailed descriptions of the information stored in the storage medium will be described with reference to embodiments of the storage medium information structure and information table shown in FIGS. 3 to 5 below.

2 is a diagram illustrating an embodiment of a point operation server 100 (or an apparatus) according to a preferred embodiment of the present invention.

2 is at least one customer-owned payment means information and customer wireless terminal number information (and / or customer information) in connection with a customer terminal in the point operation server 100 (or device) shown in FIG. A function of registering and storing the information in a predetermined storage medium, and when the customer processes payment using the registered payment means in a specific store, a financial company corresponding to the predetermined terminal and the registered payment means provided in the specific store. A function of receiving predetermined point or mileage information generated in response to the payment processing of the customer from a financial related company, point or mileage information transmitted from the specific store, and transmitted from the financial company (or financial related company). Store one point or mileage information in association with the customer's wireless terminal number information (and / or customer information) A function of storing in a medium, a function of transmitting the stored point or mileage information to the customer wireless terminal, and when the customer uses the point or mileage at a specific store, a wireless terminal number of the customer at a terminal provided at the specific store. And a function of receiving a predetermined point or mileage processing request and confirming point or mileage information associated with the wireless terminal number in association with the storage medium, and based on the identified point or mileage information. In order to perform a function of processing a point or mileage processing request of the, as shown in the respective functional configuration means provided in the server, as shown in Figure 2, the functional configuration means are provided in a single server (or device), Or a plurality of servers (or devices), respectively. Says the note.

Referring to FIG. 2, in more detail, the point operation server 100 (or device) may include at least one customer-owned payment means information and customer wireless terminal number information input and / or selected from the customer terminal in association with a customer terminal. Linking information receiving means 1 for receiving (and / or customer information) with at least one customer-owned payment means information and customer wireless terminal number information (and / or customer information) received through the information receiving means; Information registration means for registering and storing in a predetermined storage medium, and when the customer processes payment using the registered payment means in a specific store, payment of the customer transmitted from a predetermined terminal provided in the specific store. Predetermined point or mileage information generated in response to the processing and a financial company (or a financial related company) corresponding to the registered payment means; The information receiving means (2) for receiving the predetermined point or mileage information generated in response to the payment processing of the customer to send and the point or mileage information transmitted from the specific store received through the information receiving means and the financial company ( Or information storage means for processing the point or mileage information transmitted from a financial company) in association with the wireless terminal number information of the customer and storing the point or mileage information in a predetermined storage medium.

In addition, the illustrated point management server 100 (or device), the information transmission means for transmitting the stored point or mileage information integrated through the information storage means to the customer wireless terminal, and the customer the point at the particular store Alternatively, when using mileage, information receiving means (2) for receiving a predetermined point or a mileage processing request message containing the wireless terminal number information of the customer from the terminal provided in the specific store, and through the information receiving means of the customer When a point or mileage processing request is received, information confirming means for confirming the point or mileage information processed in association with the customer wireless terminal information in association with a storage medium (or storage medium operating means) and the confirmed point or mileage information Based on the request for processing points or miles of the specific store terminal The point processing means may further provided.

In addition, the point operation server 100 (or device) shown, when sending a predetermined authentication code for the validity authentication of the customer from the terminal provided in the particular store to the server, confirming the validity of the customer It may be further provided with a customer authentication means for authenticating.

In addition, the point management server 100 (or the device) shown, after the point or mileage processing, in connection with the storage medium (or storage medium operating means), the point or mileage information processed in connection with the customer wireless terminal information Point information updating means for updating the can be made further.

The information receiving means 1 may provide a predetermined web page for input and / or selection of customer-owned payment means information and customer wireless terminal number information (and / or customer information) to the customer terminal. And receiving and / or selecting customer-owned payment means information and customer wireless terminal number information (and / or customer information) from the customer terminal through the provided web page.

Here, the customer-owned payment means information, it is preferable that the payment means issuing company information, name information given to the payment means, at least one part or all information of the payment means unique number.

The information registration means mutually communicates the at least one customer-owned payment means information and the customer wireless terminal number information (and / or customer information) received through the information receiving means as shown in the embodiment shown in FIG. 4 below. And register and store the information in the storage medium.

Here, the customer-owned payment means information registered and stored in the storage medium is a basis for confirming the points or miles provided by the payment means company, when the customer is processing the payment using the registered payment means, and The customer wireless terminal number information serves as a basis for confirming the point or mileage of the customer in the process of using the point or mileage stored in the storage medium.

The information storing means may store the points or miles granted to the customer in the specific store and points or miles given to the customer by the financial company (or a financial company), or store the data separately. According to an embodiment of the present invention, the point integrating means may store the point or mileage information by distinguishing or integrating the specific store information which can use the point or mileage with reference to predetermined policy information stored in the storage medium. .

Here, the policy information will be described in more detail with reference to FIG. 3.

The information receiving means 2, when the customer uses the points or mileage at a specific store, receives a predetermined point or mileage processing request including the wireless terminal number information of the customer from a terminal provided in the specific store, For example, a point or mileage processing request message corresponding to at least one or more customer's points or mileage processing request may be received from the store terminal, and the received point or mileage processing request message may be transmitted to the information checking means.

The information checking means reads the point or mileage processing request full text when the predetermined point or mileage processing request message transmitted from the point-of-store terminal is transmitted from the point processing request receiving means. The 11-digit customer wireless terminal number included in the full point or mileage processing request is read, the store information (or store terminal information) is checked, and the corresponding point or mileage information is confirmed from the storage medium.

Here, the information checking means, with reference to the point or mileage policy information stored in the storage medium, it is preferable to check the stored point or mileage information to be available in response to the store information (or store terminal information).

For example, as a result of confirming the point or mileage policy information, if the point or mileage is available only at a specific store, the information checking means is determined according to the confirmed point or mileage processing request specially provided store information (or store terminal information). Customer point or mileage information available in the store can be confirmed, and the point or mileage policy information will be described in more detail with reference to the following FIGS. 3 to 5.

The point processing means, based on the point or mileage information confirmed through the information confirming means and the point or mileage processing amount information included in the full point or mileage processing request, the processing request from the point or mileage held by the customer Deducted points or miles.

3 is a diagram illustrating storage information stored in a storage medium according to an embodiment of the present invention.

3 is a diagram illustrating a relationship between storage information stored in a storage medium interworking with the point operation server 100 (or a device) shown in FIGS. 1 and 2 organically connected and stored in the storage medium. As shown, according to an embodiment of the present invention, the illustrated storage medium stores customer payment means information and wireless terminal number information in association with each other. In particular, the stored information is stored in the point management server 100 (or device). Based on the above, when the customer uses the registered payment means at a predetermined store, the customer pays points or miles provided from the store and the corresponding financial company (or financial related company) server in response to the payment processing. And means information and wireless terminal number information.

In addition, the storage medium is provided on the server, or on a network interworking with the server, or characterized in that the predetermined storage medium operating means provided with the server.

Referring to FIG. 3, the illustrated storage medium may include customer-owned payment means information, customer wireless terminal number information, point or mileage information, and the customer-owned payment means information and customer wireless terminal number. Customer information including the information, and points or mileage information is characterized in that the storage medium is interconnected and stored.

The storage medium may further include predetermined point or mileage policy information according to storage, registration, and use of the point or mileage.

Preferably, the information stored in the storage medium is not limited to the above information, and it will be understood that additions and / or modifications may be sufficiently made within the scope of the present invention by those skilled in the art in implementing the present invention. .

The customer-owned payment means information stored on the storage medium shown in FIG. 3 is the payment means unique number displayed on the surface of the customer-owned payment means, or issuing information of the customer-owned payment means, or the customer-owned payment means. Name information (for example, payment means product information, etc.).

However, when the customer-owned payment means information is a payment means unique number displayed on the surface of the customer-owned payment means, in order to prevent leakage of payment means unique number, the customer payment means information is preferably part of the payment means number. .

In addition, the customer information of the storage medium may further include a unique code such as a customer name, a customer member number (or ID), a customer social security number, including the customer-owned payment means information and the customer wireless terminal number information. In this case, information such as a customer name, a customer member number (or ID), and a unique code such as a customer social security number included in the customer information may be used for authentication procedures (for example, actual payment methods) for the customer-owned payment means and the financial institution issuing the payment means. It may be required when performing the procedure of checking whether the payment method is a customer).

More specifically, the customer information including the customer-owned payment means information and the customer wireless terminal number information is shown through the embodiment of Figure 4 below.

The point or mileage information of the storage medium is stored in association with the customer-owned payment means information and the customer wireless terminal number information, and store points or miles provided from the corresponding store in response to the customer's payment processing, and In response to the payment process characterized in that it comprises a financial company (or financial related company) points or miles provided from the financial company (or financial related company) that issued the customer-owned payment means.

In particular, the point or mileage information, according to the point or mileage policy information, may be stored separately for each specific store available, or may be stored separately for at least two stores available.

Point or mileage policy information of the storage medium, characterized in that to limit the range of a particular store that can use the points or miles provided from stores and financial companies (or financial related companies).

For example, when the customer has a payment processing using the registered X payment means in store A, the customer may be provided with points or miles (a) from the store A according to the present invention, and the X payment means Point or mileage (x) can be provided from the issuing financial company (or finance-related company), wherein the customer in accordance with the policy information, the customer integrates the point or mileage (a) and the point or mileage (x) Use at store A, or use only the points or miles (a) at store A, or use the points or miles (a) at other stores (e.g., store B, store C, etc.) associated with store A Can be specified for use.

Here, the point or mileage policy information is preferably appropriately defined in the process of implementing the present invention, and in the present invention through the following Figures 4 to 5, the point or points stored according to the mileage policy information Or will be described in more detail by presenting an embodiment of the mileage information.

However, it should be noted that the point or mileage policy information according to the present invention is not limited by the embodiments described below.

4 is a diagram illustrating customer information stored in a storage medium according to an exemplary embodiment of the present invention.

FIG. 4 is an exemplary diagram showing a data table of customer information including customer-owned payment means information and customer wireless terminal number information among the storage medium information shown in FIG. 3 according to the present invention.

4, the customer-owned payment means information is registered and stored as one, but the customer-owned payment means information stored in the storage medium may be registered and stored two or more.

5 is a diagram illustrating point or mileage information stored in a storage medium according to an exemplary embodiment of the present invention.

FIG. 5A is a diagram illustrating an example of a data table of an embodiment in which the points or miles are limited and stored in a specific store, and FIG. 5B is a diagram of an example of a data table of an embodiment in which the points or miles are integrated and stored.

Referring to FIG. 5A, when a customer performs a payment process using a registered payment method as shown in FIG. 4, points or miles generated corresponding to the payment process may be used for each specific store where the payment process is performed. According to a predetermined point or mileage policy information that can be specified to provide, as an example of the data table stored by dividing the point or mileage provided by a specific store, for example, the first customer of the data table shown in Figure 5a at the YY department store In the case of payment processing using the registered payment means, a financial company that receives 15,000pt of points or miles from the YY department store and issues 15,000pt of points or miles according to the use of the registered payment means; Or financial companies).

In addition, through the same process, the customer may receive 20,000pt of points or mileage from ZZ department store and 20,000pt of points or mileage from the payment issuing financial company (or financial related company) corresponding thereto. Or 15,000pt provided from the YY department store and / or correspondingly 15,000pt provided from a payment method issuing financial company (or a financial related company) according to the mileage policy, and can be used at the YY department store, and 20,000pt from the ZZ department store. Points or miles and / or correspondingly 20,000 pt of points or miles from the payment method issuing financial company (or financial related company) may be used in the ZZ department store.

According to another exemplary embodiment, the point or mileage provided from the payment method issuing financial company (or financial related company) may be used in both the YY department store and the ZZ department store according to the point or mileage policy information.

In this case, the customer may use 35,000pt of total points or miles provided by the payment means issuing financial company (or financial related company) and 15,000pt provided by the YY department store in the YY department store, and issue the payment method. 35,000pt of total points or mileage provided by a financial company (or financial related company) and 20,000pt provided by the ZZ department store may be used in the ZZ department store.

Referring to FIG. 5B, when a customer performs a payment process using a registered payment method as shown in FIG. 4, a point or mileage generated in response to the payment process is performed by the store group in which the payment process is performed. According to the point or mileage policy information prescribed to be used in the), an example of a data table stored separately for each point or mileage providing specific stores, based on the point or mileage policy information, the store group ( Points or miles provided at stores belonging to i) may be integrated and managed.

For example, referring to the first customer in the data table shown in FIG. 5B, if the YY department store and the ZZ department store are defined as one point or mileage aggregation group according to the point or mileage policy information, the customer is located at the YY department store. In the payment processing using the registered payment means, the 15,000pt point or mileage provided from the YY department store and the 20,000pt point or mileage provided from the ZZ department store may be integrated and managed as shown in FIG. 5B, in this case The integrated point or mileage 85,000 pt of the group including the YY department store and the ZZ department store can be used at all stores belonging to the group including the YY department store and the ZZ department store.

In addition, 15,000pt received from the payment method issuing financial company (or financial related company) at the YY department store and 20,000pt provided from the payment method issuing financial company (or financial related company) at the ZZ department store for payment processing The points or mileage of are integrated and can be used at all stores belonging to the group including the YY department store and the ZZ department store.

6 is a diagram illustrating an information storage process according to an embodiment of the present invention.

6 is linked with a predetermined storage medium by receiving the customer-owned payment means information and the customer wireless terminal number information by interworking with a predetermined customer terminal in the point operation server 100 (or a device) according to the present invention. Is a flow chart for the registration process.

Referring to FIG. 6, the registration process of the customer-owned payment means information and the customer wireless terminal number information shown in FIG. 6 is first connected through a point management server 100 (or device) and a communication network between the customer terminal (eg, the Internet). The process may be initiated 600.

According to the present invention, for the integrated operation of a point or mileage provided from a predetermined store and a point or mileage provided by a customer-owned payment method issuing financial company (or a financial related company), the customer terminal is the point operation server 100 (or When requesting the integrated operation point to the device (605), the point management server 100 (or the device) sends a predetermined web page for inputting / selecting the customer-owned payment means information and wireless terminal number information to the customer terminal. It may be provided (610).

When the customer-owned payment means information and the wireless terminal number information are input / selected through the web page for inputting / selecting the customer-owned payment means information and the wireless terminal number information provided to the customer terminal (615), the point operation server 100 ( Or device 620 receives the customer-owned payment means information and the wireless terminal number information input / selection information from the customer terminal (620).

In addition, the point operation server 100 (or the device) processes the customer-owned payment means information received from the customer terminal and the wireless terminal number information in association with the predetermined storage medium (625).

7 is a diagram illustrating a process of storing points or miles according to an embodiment of the present invention.

FIG. 7 shows that the customer and the payment means information and the wireless terminal number information of the customer who requested the integrated point operation through the process of FIG. 6 are registered in the storage medium. In one embodiment, a point or mileage provided from the payment method issuing financial company (or a financial related company) is integrated or individually stored in the storage medium in association with the customer-owned payment method information and the wireless terminal number information.

Referring to FIG. 7, the point or mileage storing process shown in FIG. 7 is based on a payment method registered by the customer who visited a specific store in the point operation server 100 (or device) through the process shown in FIG. 6. 700 may begin from a process requesting processing.

Then, the payment process using the payment means is performed between the store terminal and the financial company (or financial related company) server according to the customer's payment processing request (705), and if the payment processing is successfully performed (710), The point operation server 100 (or the device) checks whether a point or mileage to be provided to the customer in response to the payment processing is generated by interworking with the store terminal (or server) and the financial company (or financial related company) server. (715).

If a point or mileage to be provided to the customer in response to the payment processing is generated from the store terminal (or server) and the financial company (or financial related company) server (720), the point operation server 100 (or device) ) Receives the generated point or mileage information from the store terminal and the financial company (or financial related company) server (725).

In addition, the point operation server 100 (or device) inquires whether point or mileage information previously stored in the storage medium corresponds to the payment means information and / or the store information used by the customer (730), If there is no pre-stored point or mileage information in the storage medium (735), the received point or mileage is stored in the storage medium according to the point or mileage policy information (740).

On the other hand, if there is already stored point or mileage information in the storage medium corresponding to the customer use payment means information and / or the store information, the point management server 100 (or device) is a predetermined stored in the storage medium With reference to the point or mileage policy information, it is determined whether the received point or mileage is to be stored together with the point or mileage previously stored in the storage medium or individually (745).

Here, if the received points or miles should be stored separately from the points or miles previously stored in the storage medium as a result of referring to the point or mileage policy information (750), the point management server 100 (or device) As shown in FIG. 5A, the received points or miles are separately stored from the points or miles previously stored in the storage medium (755).

On the other hand, as a result of referring to the point or mileage policy information, if the received point or mileage should be stored integrated with the point or mileage previously stored in the storage medium, the point operation server 100 (or device) described above As shown in FIG. 5B, the received point or mileage is integrated with the point or mileage information previously stored in the storage medium and stored (760).

The point operation server 100 (or the device) transmits the point or mileage storage history to the customer wireless terminal, and notifies that the point or mileage is normally stored (765).

8 is a view showing a functional configuration of a store terminal according to an embodiment of the present invention.

In more detail, in FIG. 8, the customer-owned payment means information and the customer wireless terminal number information are registered through the process of FIG. 6, and the specific store and the payment means issuing financial company (or financial related company) through the process of FIG. A predetermined point or mileage is provided from the customer's own payment means information and the customer's wireless terminal number information, and stored in association with the customer's own payment means information and the customer's wireless terminal number information. And a wireless terminal number to the point operating server 100 (or a device) shown in FIG. 2 to request a process for a predetermined point or mileage.

In addition, a person having ordinary knowledge in the art to which the present invention pertains can easily infer a function configuration of a POS, a payment terminal, etc. requesting point or mileage processing through the wireless terminal number transmission with reference to FIG. 8. Could be.

Referring to FIG. 8, the store terminal basically supplies power to the control unit 805, the memory unit 835, the key input unit 825, the screen output unit 830, the communication unit 840, and the store terminal. It can be configured to include a device.

In addition, the store terminal has a predetermined function (for example, a point or mileage processing request full text generation function using the customer wireless terminal number and the generated point or mileage processing request full text server (eg, point operation server 100) (Or a device), a VAN server, etc.) and the transfer function and / or payment method payment processing function and / or printing function), the store terminal is the payment method interface 845 and / or security application module 850 ) And / or the printing unit 855 or the like.

Hereinafter, referring to FIG. 8, a functional component that performs each function of the store terminal will be described in detail. FIG.

First, the control unit 805 of the store terminal, at least one input and output command required for the store terminal to perform the respective functions are provided to the store terminal, and / or transmitted to the function configuration unit connected to the store terminal or Controlling the overall operation of the store terminal received from the function configuration unit, and manages the flow of information or data between the function configuration unit.

In particular, the control unit 805 is the customer wireless terminal number information input through the predetermined key input means of the store terminal according to the present invention and the predetermined point identification code information and points corresponding to the customer's point or mileage processing request Combining the operator's unique code, to generate a predetermined message (hereinafter referred to as a point processing request message) to be transmitted to the server 800 (e.g., the point operation server 100 (or device) and / or the VAN server) on the communication network. It features.

To this end, the controller 805 may include at least one processor and an execution memory (eg, a register and / or a random access memory (RAM)) that include a central processing unit (CPU) / microprocessor unit (MPU) in hardware. And a bus BUS for inputting and outputting predetermined data.

In addition, the control unit 805 is loaded into the execution memory from a predetermined recording medium in order to perform at least one or more functions included in the above-described store terminal, and is calculated by the processor. It may comprise a program routine (Routine) and / or program data.

In particular, in FIG. 8, a functional configuration capable of software processing using a predetermined program and / or code recorded on the recording medium for generating a point or mileage processing request full text including a customer wireless terminal number according to the present invention. An element (eg, a full text generation unit 820, a transmission unit 810, a reception unit 815, etc.) is illustrated and described as being provided in the control unit 805.

Referring to FIG. 8, the control unit 805 of the store terminal includes a full text generation unit 820 for generating a full point processing request message including the customer wireless terminal number information to be presented by the present invention, and the full text generation unit ( 820 may be configured to include a transmission unit 880 for transmitting the full point processing request generated through the 820 to the server 800 (eg, the point operation server 100 (or device) and / or VAN server, etc.) on the communication network. According to an embodiment of the present invention, the control unit 805 may include a receiving unit 815 that receives point processing history (or result) information corresponding to the full point processing request message from the server 800 on the communication network. It may be configured to include more.

The full text generation unit 820 configured in the control unit 805 of the in-store terminal generates a full point processing request text for the point processing of the customer. In particular, the full text generation unit 820 generates the full text processing point. In the process of generating a point processing request message including the customer wireless terminal number information input to the store terminal is generated, wherein the generated point processing request telegram identification code information and / or point operation for identifying the point processing type Operator unique code may be included in combination.

According to a preferred embodiment, the wireless terminal number information of the customer making the point processing request is a key input unit linked with a predetermined key input means (for example, a keypad, a keyboard, a mouse, a touch screen, etc.) provided in the store terminal. 825 may be keyed in.

In addition, wireless terminal number information of a customer requesting processing of points or miles stored in the storage medium may be short-range communication means (eg, infrared ray communication) that can communicate with the customer wireless terminal 860 and the store terminal. Means, radio frequency (RF) communication means, Bluetooth (BlueTooth) communication means, wireless LAN communication means, Wi-Fi communication means, portable Internet communication means, etc. Through a communication session formed through a short range communication means, the wireless terminal number stored in the customer wireless terminal 860 may be transmitted to the store terminal.

In addition, the wireless terminal number information of the customer making the point processing request, the payment means interface provided in the store terminal, if the customer has an IC payment means equipped with an IC chip in which the wireless terminal number information is stored; The customer wireless terminal number information can be obtained from the customer IC payment means.

According to a preferred embodiment, the point processing identification code corresponding to the point processing requested by the customer is a predetermined key input means (for example, a keypad, a keyboard, provided in the store terminal through the customer or the store terminal operator). Key input unit 825 that interacts with a mouse, a touch screen, etc.).

Here, the point processing identification code may be an identification code for identifying a point processing type including at least one or more of the customer point inquiry, point use, and the like.

According to the method of the present invention, the point processing identification code may be made of any one of numbers from 8 to 9, and the point processing identification code is a point processing type (eg, customer point use, point inquiry, etc.). ) Can be made of different numbers without overlapping.

Preferably, when the point processing identification code is an identification code corresponding to the "point use" process, it can be made of a number from 8 to 9, wherein the point processing identification code is an identification code corresponding to the "point inquiry" process In this case, the numbers from 8 to 9 may be composed of remaining numbers except for the identification code number corresponding to the “point use” process.

Point processing identification code corresponding to the use of the point, point inquiry, etc. is preferably set by the agreement between the point service operator and / or point service affiliates, etc. Through the following Figure 3 to help the understanding of the present invention An embodiment of the point processing identification code will be described.

According to the present invention, the full text processing request generated by the full text generation unit 820 may include a member number (or payment means number) input area, wherein the full text generation unit 820 is the member number ( Or 4 digits of a predetermined point operating provider unique code (or programmed) in the payment method number) input area, 8 digits of the point processing identification code input through the key input unit 825, and 11 digits of the customer wireless terminal number. Can be.

According to another exemplary embodiment, the four-digit operator code unique to the point operator may be input through the key input unit 825.

A 16-digit number system including the 4-digit operating point unique operator code, 8-point processing identification code, and 11-digit customer wireless terminal number inputted to the member number (or payment method number) through the full text generation unit 820. An embodiment of the present invention will be described in more detail with reference to FIG. 2.

According to the exemplary embodiment of the present invention, the full text generation unit 820 generates the point processing request full text according to the present invention, wherein the point processing identification code input through the key input unit 825 is used as a “point”. In the case of the identification code corresponding to ”, the point processing request may further include payment amount information and / or accumulated (or used) point information according to the point“ use ”.

According to the implementation method of the present invention, the full text generation unit 820, in the process of generating a full text point processing request according to the present invention, the point that the customer wants to "use" or "lookup" is used in a particular merchant In the case of a point, the point processing request may further include a store terminal (or terminal) number and / or a merchant unique code (or number).

An embodiment and payment terminal device (or terminal) number including the payment amount information and / or the earned (or used) point information according to the point “use” in the preamble processing request point through the full text generation unit 820 And / or one embodiment including the merchant unique code (or number) will be described in more detail with reference to Figure 10 below.

The transmission unit 810 configured in the control unit 805 of the store terminal transmits the point processing request message generated by the full text generation unit 820 through a communication unit 840 provided in the store terminal to a point management server (or Device) to 100).

The communication network to which the point processing request message is transmitted may be a communication network including at least one of a value added network (VAN) and / or an internet network and / or a wireless communication network and / or a portable internet communication network.

According to the exemplary embodiment of the present invention, when the store terminal is connected to the external server 800 through an open communication network such as the Internet, the transmission unit 810 transmits the generated point processing request message to a predetermined encryption protocol. It can be encrypted after transmission.

The receiving unit 885 configured in the control unit 805 of the in-store terminal performs the point processing corresponding to the full point processing request transmitted from the server 100 on the communication network through the transmitting unit 880. Point processing details (or results) transmitted from the server 800 to the store terminal may be received.

According to an embodiment of the present invention, the memory unit 835 provided in the store terminal includes a predetermined program routine (or code) and / or program data (eg, required for the store terminal to control the above-described functions). And information or data input and output when an operation by a program routine (or code) is performed.

In addition, the memory unit 835 may include at least one or more storage means including hardware electrically electrically and programmable read only memory (EEPROM) and / or flash memory (FM) and / or hard disk drive (HDD). It is preferable to make it.

Here, predetermined program routines and program data stored in the memory unit 835 (e.g., 4 digits of the point operating company unique code, 8 digits of the point processing identification code, and 11 digits of the customer wireless terminal number according to the present invention are member numbers ( Or the data input or output to perform a function of generating a point processing request message inputted in the payment means number) input area and transmitting the generated message to the server 800 on the communication network. It performs a predetermined control function.

According to the exemplary embodiment of the present invention, the key input unit 825 provided in the store terminal includes a plurality of number keys, a character key for inputting a character, and a function key. Corresponding key data (e.g., corresponding to the customer wireless terminal number) generated by the store terminal operator and / or the point processing request customer by clicking on a predetermined key from a predetermined key input means including Key data and / or key data corresponding to a point processing identification code requested by the customer and / or key data corresponding to a unique point management operator code) to the controller 805.

According to an embodiment of the present invention, the control unit 805 reads key data input through the key input unit 825, and corresponds to the key data in association with at least one component provided in the store terminal. Control the functions of and / or predefined tasks.

In this case, the predetermined function and / or predefined operation may include, for example, four digits of the point management operator unique code, eight digits of the point processing identification code and 11 digits of the customer wireless terminal number in the member number (or payment method number) input area. It is preferable to include a function (and / or a task) for generating an input point processing request telegram, and / or a function (and / or a task) for transmitting the generated point processing request telegram to a server 800 on a communication network. .

According to the exemplary embodiment of the present invention, the screen output unit 830 provided in the store terminal is configured to perform a predetermined function (for example, a function of generating and transmitting the full point processing request message) by the store terminal. Predefine at least one or more information or data which is predefined or is defined in real time by the controller 805 to be output to a predetermined screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT). It is characterized in that the output through the screen interface.

Here, the information or data predefined to be output on the screen by the store terminal is stored or generated by key data input through the key input unit 825 and / or components provided in the store terminal. Information (or data), information (or data) transmitted and received via the communication unit 840, and / or at least one or more information (or data) corresponding to a predetermined calculation result performed by the store terminal. Do.

For example, the predefined information or data to be output on the screen may include identification code information and / or point operating operator unique code information corresponding to the customer wireless terminal number information and / or point processing request input through the key input unit 825. And / or at least the point processing history (or result) information received from the server 800 on the communication network in response to the generation information of the point processing request message and / or the transmission information of the point processing request message and / or the point processing request text. May contain one or more.

According to an embodiment of the present invention, the communication unit 840 provided in the store terminal may include a function of the store terminal generating the point processing request telegram and transmitting the generated telegram to the server 800 on the communication network. In the process of performing the server 800 (eg, point operation server 100 (or device) and / or VAN server, etc.) and / or the terminal (or device) connected to the store terminal via a predetermined cable And / or a predetermined communication means for connecting a communication session with a terminal (or device) connected with the store terminal through a predetermined short range wireless communication.

In addition, the communication unit 840 may include a predetermined value added network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication) in hardware. Communicate with servers 800 (e.g., point operations server 100 (or device) and / or VAN server, etc.) on a wired or wireless communication network via a wired communication network and / or any wireless communication network including a mobile communication network or a wireless data communication network. Network communication unit for connecting a channel, and / or Cable communication unit for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication, and / or Infrared Ray communication, Radio Frequency (RF) communication, Bluetooth Short-range communication unit for connecting a predetermined terminal (or device) and a short-range wireless communication session through at least one short-range wireless communication means including Bluetooth, wireless LAN, and Wi-Fi. Is made to include at least one, it comprises a communication protocol and / or the driver for connecting the communication channel (or communication session) by software.

According to one embodiment of the present invention, the short-range communication unit, as described above, the short-range wireless communication of the wireless terminal number information of the point processing request customer required in the process of generating the point processing request full text point of the store terminal; It may further include a function provided through.

9 is a diagram illustrating the full point processing request according to an embodiment of the present invention.

In more detail, FIG. 9 is a point processing request message including a customer wireless terminal number information by utilizing a credit settlement means payment approval request full text using a conventional VAN as a point processing request through the store terminal shown in FIG. Figure is an illustration.

In addition, the present embodiment is to present the present invention so that the present invention can be understood more clearly, and the person having ordinary knowledge in the technical field to which the present invention belongs, in explaining the mileage processing request shown in the full text, the credit settlement means payment Since each component of the request for approval is clearly understood, detailed description thereof will be omitted.

In addition, when the communication network between the store terminal and the point management server 100 (or the device) is not a VAN, it is noted that the point processing request shown in the figure is sufficiently changed to be easily implemented at the level of those skilled in the art.

Referring to FIG. 9, a 'transaction division' area of a credit request means for approval of payment includes a predetermined transaction identifier (eg, 'tg') for requesting point processing through the transmission of a customer wireless terminal number according to the present invention. Thus, the professional relay means (for example, VAN server or point operation server 100 (or device), etc.) on the communication network is not registered in the storage medium through the Figure 6, rather than requesting the approval of the credit payment means. After confirming that the request for processing points based on the customer's wireless terminal number is provided, the full text may be provided to the corresponding point operation server (or device) 100 instead of the server.

Referring to FIG. 9, the wireless terminal number information (eg, 11-digit wireless terminal telephone number) of the point processing request customer is included in the 'TRACK II Data' area of the telegram and is a server (eg, a VAN server or a point on the communication network). The point management server 100 (or device), which is transmitted to the management server 100 (or a device) and receives the full message, refers to the transaction identifier of the 'transaction classification' area, and the 'TRACK II Data' area. The wireless terminal number information (for example, 11-digit wireless terminal telephone number) of the customer can be read from.

According to another exemplary embodiment, the specialized 'TRACK II Data' area may further include the point management operator unique code information (eg, 4 digits) and the point processing identification code (eg, 1 digit).

10 is a simple flowchart of a customer point processing request process according to an embodiment of the present invention.

FIG. 10 generates a full point processing request message including customer wireless terminal number information through the store terminal shown in FIG. 8 according to the present invention, and converts the generated point processing request full text into the point operation server 100 (or Device is a simple example of the process of requesting the point processing.

In particular, FIG. 10 is characterized in that the customer wireless terminal number is received through the key input unit 125 provided in the store terminal to generate the full point processing request.

Referring to FIG. 10, first, a process of receiving a predetermined point processing request from the customer at a store terminal may be started (1000).

Here, the point processing request is characterized in that it comprises at least one or more, such as purchasing a product using a point or mileage stored in the storage medium, exchange gift vouchers, point conversion.

Then, the store terminal generates the point processing request message to be transmitted to the point management server 100 (or the device) in response to the point processing request of the customer through the key input unit 125 provided in the store terminal. Customer wireless terminal number information may be input (1005).

Here, the store terminal may further receive the point processing identification code information and / or point management operator code information.

According to the exemplary embodiment of the present invention, the customer wireless terminal number information input through the key input unit 125 is 11 digits. You can enter a number as "0".

When the wireless terminal number corresponding to the point processing of the customer is input through the key input unit 125 (1010), the full text generation unit 120 of the store terminal is a customer wireless terminal input through the key input unit 125 A point processing request message including a number is generated (1015).

Here, the mileage processing request message may further include a point operating operator code (4 digits) together with the point processing identification code together with the customer wireless terminal number.

In addition, the transmission unit 110 of the store terminal transmits the point processing request message generated through the specialized generation unit 120 to the point operation server 100 (or a device) on the communication network (1020).

Then, according to the present invention, the point operation server receives the point processing request message sent by the store terminal, reads the customer wireless terminal number, etc. included in the point processing request message (1025), and the storage medium In operation 1030, the stored point or mileage information is linked with the read customer wireless terminal number.

The point operation server 100 (or the device) determines whether the point processing requested from the store terminal is possible with reference to the identified point or mileage information (1035), where it is determined whether the point processing is possible. Is, the requested point processing amount is greater than the confirmed point or mileage information, or by checking the point or mileage policy information, and confirming whether the store requesting the point processing is a store that cannot use the point or mileage. It may include.

If the point processing requested from the store terminal can be normally performed using the points or mileage confirmed from the storage medium (1040), the point management server 100 (or the device) is the identified points or mileage Process the requested point by using 1045.

The point operation server 100 (or the device) updates the point or mileage information stored in the storage medium according to the point processing (1050), and the processing history of the transmitted point processing request message to the store terminal. Send (or result).

According to the present invention, based on the customer-owned payment means information and customer wireless terminal number information previously registered by the customer, when the customer processes the payment using the registered payment means, the financial company corresponding to the payment means using the store and the payment means By providing an integrated point operation method and system using a wireless terminal number for the integrated management of points or mileage provided from the customer, when the customer processes the payment at the store, the customer provides the point or mileage provided by the store and the point or mileage provided by the financial company Has the advantage that it can be more conveniently integrated operation through the customer's mobile phone number.

In addition, there is an advantage that it is possible to reduce the cost, such as a change in the existing system or payment terminal device for providing a point or mileage service.

Claims (21)

An information registration step of registering and storing at least one customer-owned payment means information and customer wireless terminal number information in a predetermined storage medium in association with a customer terminal in a server on a communication network; When the customer processes the payment using the registered payment means in a specific store, a predetermined terminal or mileage information generated in response to the payment processing of the customer is transmitted from the predetermined terminal provided in the specific store to the server. Store point transmission step; A financial company (or financial related company) point transmitting step of transmitting, to the server, predetermined points or mileage information generated in response to the payment processing of the customer by a financial company (or financial related company) corresponding to the registered payment means; And Point storage for storing the point or mileage information transmitted from the specific store in the server and the point or mileage information transmitted from the financial company (or financial related company) in connection with the wireless terminal number information of the customer to store in a predetermined storage medium Integration point operation method using a wireless terminal number, characterized in that comprises a. The method of claim 1, Point information notification step of transmitting the stored point or mileage information from the server to the customer wireless terminal; characterized in that it comprises a wireless terminal number. The method of claim 1, When the customer uses the points or miles at the particular store, A point or mileage processing request step of transmitting the wireless terminal number information of the customer from the terminal provided in the specific store to the server and requesting a predetermined point or mileage processing; And The server checks the point or mileage information associated with the customer wireless terminal information in association with the storage medium (or storage medium operating means), and points the specific store terminal based on the identified point or mileage information. Or a point or mileage processing step of processing a mileage processing request. The method of claim 3, wherein the requesting of points or miles is performed. Integrated point operating method using a wireless terminal number, characterized in that further transmitting a predetermined authentication code for the validity authentication of the customer from the terminal provided in the specific store to the server. The method of claim 3, wherein the point or mileage processing step, And after the point or mileage processing, updating the point or mileage information linked to the customer wireless terminal information in association with the storage medium (or storage medium operating means). Integration point operation method using. The method of claim 3, wherein the point or mileage processing step, The method of operating an integrated point using a wireless terminal number, characterized in that to apply the point or mileage given to the customer in the specific store and the point or mileage given to the customer from the financial company (or financial related company). The method of claim 3, wherein the point or mileage processing step, And a point or mileage granted to the customer in the specific store and a point or mileage granted to the customer by the financial company (or a financial related company). According to claim 1, In the information registration step, The customer-owned payment means information, Method of using a wireless terminal, characterized in that it comprises at least one or more information of the issuer issuer information, name information assigned to the payment means, part or all of the payment means unique number. The method of claim 1, wherein the step of storing points, Integration point using the wireless terminal number, characterized in that the point or mileage granted to the customer in the particular store and the point or mileage granted to the customer from the financial company (or financial related company) is integrated or stored separately How to operate. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 9. Information registering means for registering and storing at least one customer-owned payment means information and customer wireless terminal number information in a predetermined storage medium in association with the customer terminal; When the customer processes the payment using the registered payment means at a specific store, predetermined point or mileage information generated in response to the payment process of the customer transmitted from a predetermined terminal provided in the specific store, and the registration Information receiving means for receiving predetermined point or mileage information generated in response to the payment processing of the customer transmitted from a financial company (or a financial related company) corresponding to the payment method; And Point or mileage information transmitted from the specific store received through the information receiving means and the point or mileage information transmitted from the financial company (or financial related company) in conjunction with the wireless terminal number information of the customer to a predetermined storage medium Information storage means for storing in the; integrated point operation apparatus using a wireless terminal number comprising a. The method of claim 11, And an information transmission means for transmitting the point or mileage information stored in the storage medium to the customer wireless terminal. The method of claim 11, When the customer uses the points or miles at the particular store, Information receiving means for receiving a predetermined point or mileage processing request message including the wireless terminal number information of the customer from a terminal provided in the specific store; Information checking means for confirming point or mileage information associated with the customer wireless terminal information in association with the storage medium (or storage medium operating means); And And point processing means for processing a point or mileage processing request of the specific store terminal on the basis of the identified point or mileage information. The method according to claim 11 or 13, When the terminal provided in the specific store further transmits a predetermined authentication code for validity authentication of the customer to the server, it characterized in that it further comprises a customer authentication means for verifying this to verify the validity of the customer Integrated point operation device using terminal number. The method according to claim 11 or 13, And after the point or mileage processing, point information updating means for updating the point or mileage information linked to the customer wireless terminal information in association with the storage medium (or storage medium operating means). Integrated point operation device using wireless terminal number. The method of claim 11, wherein the information storage means, Integration point using the wireless terminal number, characterized in that the point or mileage granted to the customer in the particular store and the point or mileage granted to the customer from the financial company (or financial related company) is integrated or stored separately Operating device. A computer-readable recording medium having recorded thereon a program for executing a function of the device constituting means of any one of claims 11 to 16. A store terminal for transmitting predetermined point or mileage information generated in response to the payment processing of the customer to a point operation server on a communication network when the customer processes a payment using a specific payment means at a specific store; A financial company (or financial related company) server corresponding to the specific payment means for transmitting predetermined point or mileage information generated in response to the payment processing of the customer to the point operation server; And The point or mileage information transmitted from the store terminal and the point or mileage information transmitted from the financial company (or financial related company) server are processed in association with the wireless terminal number information of the customer and stored in a predetermined storage medium. Point management server for managing; Integrated point management system using a wireless terminal number, characterized in that comprises a. The method of claim 18, wherein the point management server, And an information registration means for registering and storing at least one customer-owned payment means information and customer wireless terminal number information in a predetermined storage medium in association with the customer terminal. The method of claim 18, wherein the point management server, And an information transmitting means for transmitting the point or mileage information stored in the storage medium to the customer wireless terminal. The method of claim 18, When the customer uses the points or miles at the particular store, The store terminal, Characterized in that the predetermined point or mileage processing request message containing the wireless terminal number information of the customer is transmitted to the point operation server, The point operation server, Check the point or mileage information associated with the customer wireless terminal information in connection with the storage medium (or storage medium operating means), and request the point or mileage processing of the store terminal based on the confirmed point or mileage information. Integrated point operating system using a wireless terminal number, characterized in that for processing.

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