KR20070059581A - System and method for the giving a small change by providing mileage/points - Google Patents

Abstract

A system and a method for giving a small change by accumulating mileage/point are provided to display the mileage/point accumulated instead of the small change to a terminal screen, and accumulate the mileage/point to a customer account or various kinds of cards when the small change is generated in a member shop by purchase of a customer. A customer card(100) such as a smart card, a magnetic card, a punch card, or a printing card includes mileage/point data and/or account information of each customer to provide a royalty service of the member shop. The transaction terminal(200) of the member shop provides a mileage/point service to the customer by reading the customer card. A mileage/point management server(300) is connected to the transaction terminal. The mileage/point management server includes a mileage/point management database. The mileage/point management database includes the customer accounts(310), member shop accounts(320), and transaction records(330) received from the transaction terminal.

Description

System and Method for the Giving a Small Change by Providing Mileage / Points}

1 is a simple block diagram of a change payment system by mileage / point earning.

Figure 2 is a simple flow diagram for the process of paying change to the customer by providing the mileage / points earned in the merchant's transaction terminal.

<Description of main parts of drawing>

100: customer card 200: transaction terminal

300: mileage / point management server 310: account for each customer

320: Merchant account 330: Transaction history

The present invention relates to a change payment system and method by mileage / point accumulation, more specifically, the change to pay to the customer by paying the purchase transaction price in cash or paper vouchers, etc. in the merchant's transaction terminal Miles / points that can be used as cash at the merchant or affiliated on- and off-line merchants or returned to cash if a certain score is earned, instead of exchanging exchanges such as coins that are inconvenient and inconvenient to collect when they occur. The present invention relates to a change payment system and method for mileage / point accumulation, which allows a score to be accumulated and provided to a customer based on a predetermined mileage / point exchange condition.

Mileage / point service for a store or store is a small offline store as a means or method of promoting sales to gain high loyalty (loyalty) customers who continue to buy their products and services, and gain market share over competitors. The store's mileage / point service can be provided via a purchase receipt, sales slip, or a paper card printed with mileage / point information. When the accumulated mileage / points reach a certain score, the customer can be provided with free or discounted products or services sold at the corresponding store or store. This case is limited to the accumulation and use of mileage / points, and is mainly centered on shops and stores with geographically limited markets rather than a wide range of large promotions.

On the other hand, as credit card payments using a card network are becoming common in merchants' payment terminals using magnetic stripe cards, the mileage / point service manages earning and use using servers on the online network. Developed in the form of In addition, a card with an integrated circuit chip (hereinafter referred to as a “smart card”) or a mobile phone, which has a larger capacity than a conventional magnetic stripe card and includes its own calculation and security functions, has emerged. In addition, the mileage / point service has been developed in the form of directly accumulating and using a score in a corresponding storage space inside the IC chip mounted on the smart card or mobile phone without using an online network.

The smart card is a next-generation card equipped with an IC chip capable of recording and arithmetic processing of various digital information by embedding a central processing unit (CPU) and various memory devices. Central processing unit, ROM (Read Only Memory) with the operating system, random access memory (RAM) to support its own operations, and to securely and permanently record various digital information through a high level encryption process and security system. EEPROM (Electrically Erasable and Programmable Read Only Memory) or Flash Memory. All types of plastics, such as contact cards, contact cards, and hybrid or combination cards with both IC and IC cards Smart card, dual slot, dual chip, and one chip type of card type smart card, subscriber identify module (SIM), user identify module (UIM), and universal subscriber identify module (USIM) IC chips such as and the like fall within the category of the smart card.

When a customer purchases a product or service in a general store or a store and pays with cash or paper vouchers, the change is incurred, and the store must pay the customer with a change such as a coin. To do this, the store must invest money and manpower before opening every day to secure the change, including a certain number of coins. In addition, the store side takes a certain amount of time in the process of paying change by casher (casher) every transaction, each time the customer's waiting time occurs and accordingly increase the customer dissatisfaction Opportunity cost losses are likely to occur, as sales opportunities may decline. On the other hand, when a customer receives a change such as a coin as change, it is inconvenient to possess and cumbersome to use, so the utility value as cash becomes negative than the face value.

Therefore, by using the mileage / point earning service using the server and customer card on the smart card or online network to replace the change in payments generated in the store or store, the store side is less necessary to secure the change for the change Payouts reduce customer wait times, saving manpower, time, and money, increasing customer service satisfaction and increasing sales opportunities, and at the same time, for customers' stores, the primary purpose of mileage / point services. You can increase your loyalty, and instead of taking your change as a coin, your customers can earn miles or points that can be used as cash in their stores or affiliated on- and off-line stores, or they can be returned in cash if they earn a certain score, Depending on the marketing policy of the store Miles that increase the convenience of service because customers are satisfied with the service because they are earned with scores higher than the actual amount of slumdon, and coins are not required or newly generated for small payment purchase transactions such as in automatic vending machines. The invention of the change payment system and method by earning points is urgently needed.

The change payment system and method by mileage / point earning according to the present invention for solving the above problems, the change occurs to pay the customer by paying cash or paper vouchers for the purchase transaction at the merchant Then, based on the mileage / point management server connected to the merchant's trading terminal and the online network or the exchange conditions of change and mileage / point included in the terminal, the mileage / point score to be accumulated on behalf of the change is calculated. After calculating and outputting to the terminal screen, if the customer chooses to earn mileage / points instead of change, the customer-specific account of the smart card, magnetic stripe card, punch card, surface printing card, and / or mileage / point management server To earn Miles / Points It is an object of the present invention to provide a change payment system and method by mileage / point accumulation.

The present invention for achieving the above object, as a change payment system by mileage / points earned, a smart card containing customer-specific mileage / point data and / or account information for the customer loyalty service of the merchant, A customer card, such as a magnetic stripe card, a punch card, or a surface printing card, and a transaction terminal of a merchant that reads the customer card and provides mileage / point services to the customer; It provides a change payment system by mileage / point accumulation including a mileage / point management server connected to the transaction terminal and the online network.

In the present invention, the mileage / point is used in the same meaning as the point or mileage, it is specified that the mileage / point may be expressed as a point or mileage.

In the change payment system by mileage / point accumulation according to the present invention, the mileage / point management server manages itself by including a mileage / point management database, which database is recorded on the customer card. Customer-specific accounts associated with customer-specific mileage / point account information, such as number, customer name, account number, and expiration date, and merchant number, merchant name, account number, and promotional period of the merchant affiliated with the applicable mileage / point service. Merchant account associated with account information for each merchant, such as change conditions of change and mileage / points, and transaction scores, merchants, for transactions such as earning or using mileage / points for each customer from merchants' trading terminals, The date and time of trading and the terms and conditions of trading in real time at the same time , Or according to the setting of the transaction terminal further comprises a transaction history that is received and stored in batches at regular time intervals, such as once a day, to be used as future aggregate and settlement data.

In addition, in the change payment system by mileage / point accumulation according to the present invention, the customer card, such as the smart card, magnetic stripe card, punch card, or surface printing card, the credit card, prepayment including a financial payment function Cards, check cards, debit cards, etc. can be implemented with any card, including cash receipt cards, phone cards, card-type gift certificates, mileage cards, bonus cards, membership cards, student cards, etc. It features.

In addition, in the change payment system by mileage / point earning according to the present invention, the smart card, the IC chip that can record and arithmetic processing various digital information by embedding the central processing unit and various memory elements All types of plastic cards such as smart cards and / or proximity cards, SIMs, UIMs, and USIMs issued to users by mobile operators for user authentication and roaming functions and detached from wireless terminals such as mobile phones. It consists of the form of the IC chip, such as all.

In addition, in the change payment system by mileage / point earning according to the present invention, the exchange conditions of change and mileage / point in the mileage / point account information for each affiliate, the mileage / points generated in the transaction terminal of the merchant Mileage / point exchange approval condition information that determines whether mileage / point exchange is allowed or not based on sales transaction data such as sales items, sales amount, etc. Mileage / point exchange rate information for calculating point scores, and the change conditions of change and mileage / points are stored in the merchant's trading terminal or connected to the terminal online whenever necessary / Of the point management server Jeombyeol made to receive mileage / points transferred from account information.

In addition, in the change payment system by mileage / point earning according to the present invention, the transaction terminal, credit card inquiry terminal (Card Authorizing Terminal), POS (Point-Of-Sale) terminal, kiosk (KIOSK) terminal, It comprises at least one cash dispenser (cash dispenser), automatic teller machine (transport card), transportation card terminal, telematics (telematics) terminal and an unmanned vending machine.

In addition, in the change payment system by mileage / point earning according to the present invention, the transaction terminal, a magnetic stripe card interface, a contact type smart card interface according to ISO-7816, and Short-range wireless access interface for short-distance communication with a cellular phone or a smart card equipped with a short-range wireless communication module. Infra Red communication interface, Bluetooth communication interface, Wi-Fi communication interface, WLAN communication interface It includes a readout device for supporting at least one or more, RF (Radio Frequency) communication interface, and NFC (Near Field Communication) communication interface.

In addition, the present invention provides a change payment method by earning mileage / points, (1) a step of generating a change to pay to the customer by paying cash or paper vouchers, etc. for the purchase transaction at the merchant, (2 ) Based on the mileage / point management server connected to the merchant's transaction terminal online or the conditions of exchange of change and mileage / point stored inside the terminal, the mileage / point score to be accumulated on behalf of the change is calculated. Outputting to the terminal screen, (3) the customer selecting mileage / point credit instead of change, and (4) the customer's smart card, magnetic stripe card, punch card, surface printing card, and / or mileage Do not include earning a mileage / point score corresponding to the customer-specific account of the / point management server It provides a change of payment by Ridge / points.

In the change payment method by mileage / point accumulation according to the present invention, the customer of the smart card, magnetic stripe card, punch card, surface printing card, and / or mileage / point management server possessed by the customer in the step (4) The step of accumulating the mileage / point score corresponding to each account is (4-1) the customer number recorded on the customer card such as smart card, magnetic stripe card, punch card, or surface printing card of the merchant's transaction terminal, Reading or manually inputting customer-specific mileage / point account information such as customer name, account number, and expiration date through the corresponding reading device provided in the terminal, and directly recording the score in the corresponding storage space of the customer card. (4-2-1) by recording the mileage / point score on the customer card through the corresponding reading device provided in the transaction terminal, and earn In the case of storing the number of points, the number of stores, the date and time of earning, and the earning conditions in the transaction terminal, and do not record the score directly on the customer card, (4-2-2) for the transaction Store and earn mileage / point scores in customer accounts linked to the customer-specific mileage / point account information of the mileage / point management server connected to the terminal and the online network, and transfer and store the details to the storage area of the management server. It is preferable to further comprise the step of.

In addition, in the change payment method by mileage / point earning according to the present invention, in the step (4-2-1) earned by recording the mileage / point scores on the customer card and stored in the transaction terminal, Mileage / point transaction details such as transaction score, transaction merchant, date and time, and transaction conditions using the mileage / point score recorded on the customer card and stored inside the transaction terminal are set once a day according to the preset. For example, the method may further include a step of being transmitted to the mileage / point management server at a predetermined time interval and stored in a corresponding storage area.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

1 is a simple block diagram of a change payment system by mileage / point accumulation as a preferred embodiment of the present invention.

The customer card 100 issued in the form of a smart card, a magnetic stripe card, a punch card, a surface print card, or the like, or used for a different purpose, utilizes a customer loyalty service of a merchant. Customer-specific mileage / point data and / or account information is recorded in electronic form, embossed, punched or printed on the IC chip, magnetic medium or surface mounted on the card. Among them, contact cards and / or proximity cards, such as IC chips for user authentication, such as SIMs, UIMs, and USIMs, which are issued to users by mobile operators and detached from wireless terminals such as mobile phones. Smart cards that include all types of plastic cards, such as cards, and magnetic stripe cards with magnetic stripe on the surface of cards that are now widely available, have little restrictions on the accumulation and use of mileage / point scores. It can be suitably used for large scale promotions locally. Therefore, credit card, prepaid card, debit card and debit card including financial payment function, cash receipt card, telephone card, card type gift certificate, mileage card, bonus card, membership card, student card that do not include general financial payment function All cards including the card can be used as a customer card for mileage / point service.

The merchant terminal 200 for providing mileage / point services to the customer by reading the customer card includes a credit card inquiry terminal or a POS terminal installed in a general store or store, and includes a kiosk terminal and an automatic cash machine. This includes payment machines, automatic teller machines, transportation card terminals, telematics terminals and unmanned vending machines. Although not shown in the figure, the transaction terminal 200 is connected to a Value Added Network (VAN) provider for general card transaction approval, and the Value Added Network (VAN) provider is connected to the card provider. . In addition, the transaction terminal is based on the magnetic stripe card interface, ISO-7816 to read the financial settlement information and mileage / point data and / or account information of the customer recorded on the customer card, such as magnetic stripe card and smart card It has a contact smart card interface and a reading device supporting a short distance wireless access interface capable of communicating in a short distance with a smart phone or a smart phone equipped with a short range wireless communication module, and a mileage / point management server 300 and an online network. Is connected.

In addition, the transaction terminal 200 stores the exchange conditions of change and mileage / point in the internal memory as information on which the change is generated by earning mileage / point scores. Mileage / point exchange approval condition information for determining whether to exchange mileage / point exchange for change change based on sales transaction data, and mileage / point exchange ratio information for calculating mileage / point score to be accumulated. The exchange condition of the change and the mileage / point is received from the mileage / point management server 300 connected to the online network whenever necessary. Transaction scores, transaction merchants, transaction dates, and terms and conditions for transactions such as mileage / points earned or used by customers in the merchant's transaction terminal 200 are used for future aggregation and settlement data. At the same time as each transaction occurs, it is stored in the transaction terminal in real time or according to a preset, and is transmitted to the mileage / point management server 300 at a predetermined time interval such as once a day.

The mileage / point management server 300 manages itself by including a database for mileage / point management. The database includes a customer-specific account 310, a merchant-specific account 320, and a transaction history 330. The customer-specific account 310 manages the mileage / point balance in association with customer-specific mileage / point account information such as customer number, customer name, account number, and expiration date recorded on the customer card. The merchant-specific account 320 is linked to the account information for each merchant, such as the merchant number, merchant name, account number, promotion period, and change conditions of change and mileage / points of the merchants subscribed to the mileage / points service. Manage it. Transaction history 330 is data used for the aggregation and settlement of merchants for mileage / royalty services in the future, and the transaction history such as the accumulation or use of mileage / points for each customer from each merchant's transaction terminal and transaction occurs. At the same time, it is received and stored in batches at regular time intervals, such as once a day, in real time or according to a preset.

Figure 2 is a simple flow diagram for the process of paying change to the customer by providing the mileage / points earned in the merchant's transaction terminal.

If the customer purchases goods or services at the merchant and pays the price with cash or paper vouchers, etc., the change to be paid to the customer occurs (S100). In this case, the mileage included in the exchange conditions of change and mileage / points that are received from the mileage / point management server connected to the merchant's transaction terminal and the online network by the operation of the cashier (S110) or are already stored in the terminal. On the basis of the sales transaction data such as the point exchange approval condition information, the sales item, and the sales amount, it is determined whether or not the mileage / point exchange for the change is generated (S120). In addition, based on the mileage / point exchange rate information and the sales transaction data included in the exchange conditions of change and mileage / points, calculate the mileage / point score to be substituted for the generated change and output it to the terminal screen (S130). . The customer determines the change of change or mileage / points (S140). If the customer chooses to accumulate mileage / points, the customer's mileage / point account information, such as customer number, customer name, account number, and expiration date, recorded on the customer card held by the customer, is provided on the transaction terminal. Reading through a reading device or manually input (S150). In the case of directly recording the score in the corresponding storage space of the customer card, through the corresponding reading device provided in the transaction terminal by recording the mileage / point score on the customer card (S160), earned points, earn Store the details of the merchant, the date and time, and earning conditions, such as earning conditions inside the transaction terminal (S170). If the score is not directly recorded on the customer card, the mileage / point score is stored in a customer account linked to the customer mileage / point account information of the mileage / point management server connected to the transaction terminal and the online network. Earning (S180), and transfers the earned history to the management server to store in the storage area of the server (S190).

Since the process of receiving the mileage / points earned according to the present invention as cash in the store or affiliated on- and off-line stores or cashing back when earning a certain score or more is already well known, the detailed description thereof will be provided herein. Omit.

According to the present invention, when a customer purchases a product or service in a general store or a store and pays with cash or a paper voucher, etc., the change is generated for the difference to the customer as a change such as a coin. Since the side is less required to secure change, including a certain number of coins, by putting in manpower and costs before opening every day, the cashier counts the same change as each coin every transaction, reducing the process of paying change. As a result, the waiting time of the service is reduced, thereby increasing the service satisfaction of the customer, thereby increasing sales opportunities, and activating the mileage / point service further increases the customer's loyalty to the store.

Customers are not comfortable with change and cumbersome to use, so instead of receiving a change such as a coin whose utility value is minus the face value, they can use it like cash in the store or affiliated on- and off-store stores or earn a certain score or more. If the customer can receive the mileage / points that may be returned in cash, the customer's satisfaction is increased because the store's marketing policy is credited with a score that exceeds the actual amount of change.

In addition, since a coin is not necessary or newly generated for frequent micropayment purchase transactions such as in an unmanned vending machine, service convenience is increased, and the operator operating the vending machine provides flexibility in determining the selling price and manages change. Reducing the burden on, there is an advantage to facilitate vending machine transactions.

Claims (11)

As a change payment system by mileage / point accumulation, Customer cards such as smart cards, magnetic stripe cards, punch cards, or surface printing cards containing customer-specific mileage / point data and / or account information for merchant loyalty services; A merchant terminal for providing a mileage / point service to a customer by reading the customer card; Mileage / point management server connected to the transaction terminal and online network Change payment system by mileage / points earned including. The method of claim 1, The mileage / point management server, Further includes a database for mileage / point management, The database, Customer-specific accounts associated with customer-specific mileage / point account information, such as customer number, customer name, account number, and expiration date recorded on the customer card; A merchant-specific account linked to merchant-specific account information, such as merchant number, merchant name, account number, promotion period, and change conditions for change and mileage / point exchange for the mileage / point service subscribed to the mileage / point service; The transaction score, transaction merchant, date and time, and transaction conditions for transactions such as mileage / points earned or used by customers from the merchant's trading terminal in real time or at the same time setting up the transaction terminal Transaction history that is received and stored in batches at regular time intervals, such as once a day, and used as future aggregate and settlement data. Change payment system by mileage / point earning consisting of further comprising. The method of claim 1, The customer card, Credit card, prepaid card, debit card and debit card with financial payment function, cash receipt card, telephone card, card type gift certificate, mileage card, bonus card, membership card, student card etc. Can be implemented with any card, including Change payment system by mileage / points earned, characterized in that. The method of claim 1, The smart card, All types of plastic card types such as contact cards and / or proximity cards with integrated IC chips capable of recording and arithmetic processing of various digital information by incorporating a central processing unit and various memory elements; Types of IC chips, such as SIM, UIM, and USIM, issued to the user by the mobile carrier for user authentication and roaming functions, and detached from wireless terminals such as mobile phones. The change payment system by mileage / point earning consisting of all. The method of claim 2, The exchange condition of change and mileage / points in the account information for each merchant is Mileage / point exchange approval condition information for determining whether to exchange mileage / points for change in the merchant's transaction terminal, Mileage / point exchange rate information to calculate mileage / point score to be earned Change payment system by mileage / point earning consisting of further comprising. The method of claim 2, The exchange condition of change and mileage / points in the account information for each merchant is Stored in the merchant's transaction terminal, or Whenever necessary, it is transmitted to the transaction terminal from the mileage / point account information for each merchant in the mileage / point management server connected to the merchant's transaction terminal and the online network. Change payment system by mileage / point earning consisting of. The method of claim 1, The merchant terminal of the transaction, Card Authorizing Terminal; Point-of-sale terminals; Kiosk terminals; Cash Dispenser; Automatic Teller Machine; Transportation card terminal; Telematics terminals; And Unmanned Vending Machine Change payment system by mileage / point earning consisting of at least one. The method of claim 1, The merchant terminal of the transaction, Magnetic stripe card interface; Contact type smart card interface according to ISO-7816; And a short range wireless access interface capable of communicating in a short distance with a mobile phone or a smart card equipped with a short range wireless communication module, Infra Red communication interface; Bluetooth communication interface; Wifi communication interface; A wireless LAN (LAN) communication interface; RF (Radio Frequency) communication interface; And Near Field Communication (NFC) communication interface Change payment system by mileage / points earning further comprises a reader for supporting at least one. As a change payment method by mileage / point accumulation, (1) the step of generating change to be paid to the customer by paying cash or paper gift certificate for the purchase transaction at the merchant; (2) The mileage / points to be credited on behalf of the change, based on the mileage / point management server connected to the merchant's transaction terminal online or the exchange conditions of change and mileage / point stored inside the transaction terminal. Calculating a score and outputting the score to a terminal screen; (3) the customer chooses to earn miles / points instead of change; (4) accumulating mileage / point scores corresponding to customer-specific accounts in the customer's smart card, magnetic stripe card, punch card, surface print card, and / or mileage / point management server Change payment method by mileage / points earned including. The method of claim 9, The step (4), (4-1) Mileage for each customer such as customer number, customer name, account number, and expiration date recorded on customer card such as smart card, magnetic stripe card, punch card, or surface printing card in merchant's transaction terminal / Reading the point account information through a corresponding reading device provided in the transaction terminal, or manually inputting the point account information; In the case of recording the score directly in the corresponding storage space of the customer card, (4-2-1) Record and earn mileage / point scores on customer cards through the corresponding reading device provided in the trading terminal, and trade the details of earning points, earning merchants, date and time of earning, etc. Storing the internal terminal; If the score is not directly recorded on the customer card, (4-2-2) by storing the mileage / point score in the customer account associated with the mileage / point account information for each customer of the mileage / point management server connected to the transaction terminal and the online network, and earn Transmitting to the management server and storing in the storage area of the server Change payment method by mileage / points earning further comprising. The method of claim 10, The step (4-2-1) is, Mileages / points including transaction scores, transaction merchants, transaction dates, and transaction conditions, including accumulated details and usage history stored inside the transaction terminal, are collected at regular time intervals, such as once a day, according to the preset. Steps that are sent to the point management server and stored in the corresponding storage area Change payment method by mileage / points earning further comprising.

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