KR20080069935A - System for transferring affiliated point or holding it in common - Google Patents

Abstract

A system for transferring or sharing points of member shops is provided to enable a client to receive a member shop point service from a plurality of member shops with only the credit card by transferring or sharing member shop point information stored in each member shop point storage medium, which stores member shop points by each member shop, with a storage medium of the credit card. A point extractor(105) extracts member shop point information, and/or a point transferring or sharing policy from a member shop point storage medium(130) shared through the network, and provides the extracted information to a point processor(115). The point processor processes the member shop point information stored in a point storing part(110) and/or extracted by the point extractor to point information to be stored in an ICC(IC Chip)-based credit card storage medium(160). A point transferring or sharing unit(125) transfers or shares the processed point information with the ICC-based credit card storage medium. A point authenticator(120) authenticates at least one of a customer, a point card, or a credit card to transfer or share the member shop point information stored in the member shop point storage medium of a member shop point system(135) to the ICC-based credit card storage medium.

Description

System for Transferring Affiliated Point or Holding It in Common}

1 is a preferred embodiment of a point transfer or sharing system for processing the merchant point information provided in the point storage medium for each merchant to transfer or share to a credit card storage medium.

2 is a simple flowchart illustrating a process of extracting affiliate store point information from an affiliate store point storage medium provided in the affiliate store point system through a point transfer or sharing system.

3 is a simplified diagram of a point transfer or sharing system for transferring or sharing merchant point information to a credit card storage medium using credit card information as authentication information.

FIG. 4 is a simple flowchart illustrating a process of extracting merchant point information stored in a point storage unit using credit card information as authentication information and transferring or sharing it to a credit card storage medium.

5 is a simple diagram of a point transfer or sharing system for transferring or sharing affiliate store point information to a credit card storage medium using a card authentication key of a point card as authentication information.

FIG. 6 is a simple flowchart illustrating a process of extracting affiliate store point information using a card authentication key of a loyalty card as authentication information and transferring or sharing it to a credit card storage medium.

7 is a simple diagram of a point transfer or sharing system for transferring or sharing affiliate store point information to a credit card storage medium through a post-approval process.

FIG. 8 is a simple flowchart illustrating a process of mounting point information having a null point information on a credit card storage medium to transfer or share merchant point information to a credit card storage medium through a post-approval process.

9 is a simple flowchart illustrating a process of replacing point earning information of point information mounted on a credit card storage medium with valid point earning information through a post-approval process.

<Description of main parts of drawing>

100: point transfer or sharing system 105: point extraction unit

110: point storage section 115: point processing section

120: point authentication unit 125: point transfer or share unit

130: point storage medium for each merchant 135: merchant point system

140: Merchant Point D / B

145: Network Based Credit Card Storage Medium 150: Point Server

155 points D / B

160: ICC based credit card storage medium 165: Web server

The present invention includes at least one point storage medium for each merchant to store points for each merchant, and a credit card storage medium in which points stored in the point storage medium for each merchant are transferred or shared, and stores point information for storing the point information of the merchant. In order to transfer or share the point information given to a specific customer using the affiliated store among point information of the means and the affiliated store to the payment means possessed by the specific customer, the point information given to the specific customer is transferred to the payment means information of the specific customer. The present invention relates to a merchant point transfer or sharing system including a point transfer or sharing means for storing the information stored in a storage medium or connected to a specific customer to be stored in the payment means of the specific customer.

Some merchants have an independent merchant point system that does not work with credit cards and / or credit card companies.

The merchant point system as described above provides an authentication means between the merchant point system and the point card (or a customer with a point card) in the point accumulation and / or use stage according to the characteristics of the merchant point system and the point card provided in the merchant. It is possible to distinguish between an authentication type merchant point system, and an unauthenticated merchant point system that provides point services without authentication means at the point accumulation and / or use stage.

The authenticated merchant point system may include, in the merchant point system, point card information including at least one or more member authentication information for a point card customer, card-specific information such as a card number, serial number, unique number, etc. of the point card, and / or the points. Point information accumulated in the card and the like, and at least one or more authentication information including the member authentication information and / or loyalty card information provided in the merchant point system in the point card, and stored in the merchant point system The merchant point system, characterized in that the authentication process is included in the point accumulation and / or use step through at least one or more authentication information and the point card and / or customer authentication information.

For example, an authenticated merchant point system is mainly used when storing only the member information and / or card information in a point card, and using the point card as an authentication means for earning and / or using points. Representative authenticated merchant point systems include MS Card-based membership cards, such as mobile carriers and / or large department stores, with point earning capabilities.

The non-authenticated merchant point system may include point card information including card-specific information such as card number, serial number, and unique number of the point card in the merchant point system and / or the point card, and / or point accumulation information accumulated in the point card. Etc., and the merchant point system, which provides a point service through a process of updating the point accumulation information among the information recorded in the merchant point system and / or the point card in the point accumulation and / or use stage.

For example, a PP card-based loyalty card, such as a fast food restaurant and / or a beauty salon, where update of loyalty card information and / or loyalty points information, etc., is a non-certified merchant loyalty point system. The point card in the form of a paper card also corresponds to an unauthorized merchant point system.

The merchant point system as described above is inconvenient because it requires a plurality of point cards from the customer's point of view, and because each merchant point service is operated independently, it takes a lot of time to earn usable points, thereby halving the point earning effect. There is a problem, the cost of operating the merchant point system from the merchant point of view, and includes a problem that can not be linked with other point services for synergy (Synergy) effect.

An object of the present invention for resolving the above problems includes at least one point storage medium for each merchant stores a point for each merchant and a credit card storage medium in which points stored in the point storage medium for each merchant is transferred or shared; Point transfer means for storing the point information of the merchant and point information given to a specific customer using the merchant among the point information of the merchant is transferred to or shared with a payment means possessed by the specific customer. Merchant point transfer including point transfer or sharing means for connecting the point information to the payment means information of the specific customer to store in the storage medium, or to process the point information given to a specific customer to be stored in the payment means of the specific customer Or shared system It is in the blank.

The merchant point transfer or sharing system according to the present invention includes at least one point storage medium for each merchant to store points for each merchant and a credit card storage medium in which points stored in the point storage medium for each merchant are transferred or shared. Points given to a particular customer to transfer or share the point storage means for storing the point information of the affiliated store and the point information given to a specific customer using the affiliated store among the point information of the affiliated store to the payment means possessed by the specific customer. A point transfer or sharing means for linking the information with the payment means information of the specific customer and storing the information in a storage medium or processing the point information given to the specific customer to be stored in the payment means of the specific customer. It is done.

According to the present invention, the payment means is characterized in that it comprises an IC chip mounted or detached on the customer credit card or customer wireless 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 shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, in the following description of the preferred embodiment of the present invention based on the drawings and the following description, it will first describe the function and role of the common point transfer or sharing system, and then the point transfer according to the specific implementation method Or describe additional features and roles of shared systems.

1 is a preferred embodiment of a point transfer or sharing system for processing the merchant point information provided in the point storage medium 130 for each merchant to transfer or share to the credit card storage medium.

In FIG. 1, an appropriate term has been selected in order to effectively explain the technical idea of the present invention, and a person having ordinary knowledge in the technical field to which the present invention belongs may store the point storage medium for each merchant based on the term and the description selected in the present invention. It may be relatively easy to implement a point transfer or sharing system that processes the merchant point information provided at 130 and transfers or shares it to a credit card storage medium.

Referring to FIG. 1, a point storage medium 130 for each affiliate stores a store point information. The point storage medium 130 for each affiliate stores an affiliate point provided in the affiliate point system 135. The feature of the point storage medium 130 for each merchant, including the D / B 140, depends on the feature of the merchant point system 135 equipped with the point storage medium 130 for each merchant.

For example, the affiliated point system 135 satisfies at least one or more of features such as the authenticated affiliate point system 135 and / or the non-certified affiliate point system 135. According to the characteristics of the affiliated store point system 135, it is possible to divide the point-type storage medium 130 for each authorized type of store and / or the point storage medium 130 for each non-authenticated type.

In addition, a part of the merchant point system 135 may be connected to the point transfer or sharing system 100 through at least one or more networks consisting of wired and / or wireless, etc., a part of the point storage medium 130 for each merchant According to the characteristics of the merchant point system 135 may be connected to the point transfer or sharing system 100 through the network.

According to a preferred embodiment of the present invention, when the point-specific storage medium 130 for each merchant is connected to the point transfer or sharing system 100 through at least one or more networks, the point-specific storage medium 130 for each merchant stores the network. It is possible to provide at least one or more merchant point information stored in the point storage medium 130 for each affiliate store to the point storage unit 110 by providing the point transfer or sharing system 100 to the point store, or through the network. It is possible to share at least one or more merchant point information stored in the star point storage medium 130 to the point transfer or sharing system 100.

According to another exemplary embodiment of the present invention, when the point storage medium 130 for each affiliate is not connected through at least one or more networks connected to the point transfer or the sharing system 100, and is present as stand alone, The point storage medium may store at least one merchant point information stored in the point storage medium 130 for each merchant through at least one interface (eg, data copy) provided by the point transfer or sharing system 100. 100 may be provided and stored in the point storage unit 110.

According to the present invention, a method in which a point affiliate store system stores at least one affiliate store point information stored in the point storage medium 130 for each affiliate store in the point storage unit 110 by providing the point transfer information or the sharing system 100 to the point storage unit 110. An extraction method, wherein the point merchant system is configured to share the merchant point information stored in the point storage medium 130 for each merchant through at least one or more networks so that the point extracting unit 105 of the sharing system 100 can extract the points. The case is called a shared extraction method.

Referring to FIG. 1, a credit card storage medium is a point to which merchant point information stored in the merchant point storage medium 130 is to be transferred or shared to a credit card by the point transfer or the sharing system 100 to extract and / or process the point. A storage medium characterized by storing information, wherein if the credit card is a smart card, the credit card storage medium is a point storage information (= ICC) in which at least one point storage area is allocated to a memory unit on an ICC provided in the smart card. Based credit card storage medium 160) and / or point D / B 155 (= network based credit card storage medium 145) provided in point server 150 on the network to include at least one or more point storage areas on the network. )) And the like, and if the credit card is an MS card, the credit card storage medium 155 may be configured to at least one network on the network. A point D / B 155 (= network-based credit card storage medium 145) provided in the point server 150 on the network to include the above point storage area, and the characteristic of the credit card storage medium is the credit card. It depends on features such as smart card and / or point server 150 with a storage medium.

For example, the ICC-based credit card storage medium 160 is a smart card possessed by a customer who wants to transfer or share his or her merchant points among smart cards having a credit card function. Meets at least one integrated circuit chip (ICC) standard including ISO / IEC 7816 and / or ISO / IEC 14443 and / or at least one financial ICC standard including EMV (Europay, MasterCard, Visa), etc. . Accordingly, the point information stored in the ICC-based credit card storage medium 160 preferably satisfies the file structure and ICC characteristics (eg, ICC features with an open platform) according to the ICC standard.

Further, the network-based credit card storage medium 145 is on a point server 150 connected with a point transfer or sharing system 100 and / or a payment server of a credit card company through at least one or more networks, such as wired and / or wireless. As the point D / B 155 provided in, it is possible to transfer or share at least one or more points information from the point transfer or sharing system 100 through the network, and also through the payment server of the credit card company as described above It is possible to add, update, or delete old or shared point information.

Referring to FIG. 1, at least one affiliate store point information stored in the affiliate store point storage medium 130 provided in the affiliate store point system 135 is received and stored, or shared through a network, the store point for each affiliate store point 130 Extracting at least one merchant point from the at least one merchant point, and processing the merchant point information into pointer information that can be stored in at least one credit card storage medium, and storing the at least one merchant point information in a corresponding credit card storage medium. 100 is a point storage unit 110 for storing merchant point information provided from the point storage medium 130 for each merchant, and a point extracting unit for extracting merchant point information from the point storage medium 130 for each merchant shared through a network. 105, merchant point information stored in the point storage unit 110 And / or at least one processed by the point processing unit 115 and the point processing unit 115 to process the merchant point information extracted by the point extracting unit 105 in a condition capable of storing in at least one credit card storage medium. Point transfer or point-specific storage medium provided in the point transfer or sharing unit 125 and the merchant point system 135 that transfer the above point information to each credit card storage medium according to the technical characteristics of the credit card storage medium. And a point authentication unit 120 for performing authentication for transferring or sharing the affiliated store point information stored in the at least one credit card storage medium.

The point storage unit 110 is a database that receives and stores merchant point information stored in the point storage medium 130 for each merchant included in the at least one merchant point system 135, and stores at least one merchant point information as a credit card. Store merchant point information operated by at least one merchant point system 135 that is business partnered to transfer or share, and / or at least one point transfer or sharing policy for transferring or sharing the merchant point information to a credit card Characterized in that.

According to a preferred embodiment of the present invention, merchant point information includes basic merchant point information such as member authentication information, point card information, and / or point earning information stored in the affiliated point storage medium 130 of the merchant point system 135. Contains information.

According to another embodiment of the present invention, the merchant point information includes, in addition to the basic merchant point information as described above, a card authentication key included in the point card (for example, a card validity period printed on the point card), and / or a credit card company. It is possible to include affiliated store information for identifying each affiliated store that provides point services.

According to one aspect of the present invention, in general, the point transfer or sharing policy contracts the merchant to follow the credit card company's point transfer or sharing policy in the course of business partnership between the merchant and the credit card, or the merchant point system provided to each merchant According to the limitations and characteristics of 135, it is possible for the point transfer or sharing system 100 to uniformly apply the point transfer or sharing policy. In this case, the point transfer unit 110 does not include the point transfer or sharing policy. It is possible.

On the other hand, in the business alliance process between merchants and credit card companies, merchants operate their own point transfer or sharing policy without following the credit card company's point transfer or sharing policy, or because of limitations and characteristics of the merchant point system 135 provided at each merchant. Accordingly, it is possible to apply different point transfer or sharing policies. In this case, it is preferable to include the point transfer or sharing policy in the point storage unit 110.

According to a preferred embodiment of the present invention, at least one or more merchant point information is extracted from the point storage medium 130 for each merchant included in the merchant point system 135 in the point transfer or sharing policy to the point transfer or sharing system 100. (E.g., a storage method extraction method and / or a sharing method extraction method), and a method of processing the merchant point information according to the credit card type or processing the point information that can be shared (e.g., a smart card). Or shareable point information and / or point information transferable or shareable to point D / B 155), and / or an authentication and / or authorization method for transferring or sharing the merchant point information to a credit card, and the like. .

For example, a method of extracting at least one affiliated store point information from the affiliated point storage medium 130 included in the affiliated store point system 135 to the point transfer or sharing system 100 includes a storage method extraction method and a shared method extraction method. When the affiliated store point system 135 is connected to a point transfer system or the sharing system 100 through at least one network, it is possible to use a storage method extraction method and a sharing method extraction method, and the like. If the system 135 is not connected before the point or with the shared system 100 through at least one network, it is possible to use a storage method extraction method.

In addition, credit card storage media that are processed or transferred by processing the merchant point information include an ICC-based credit card storage medium 160 and a network-based credit card storage medium 145, and the like. In the case of the credit card storage medium 160, the point information processed from the merchant point information may include at least one integrated circuit chip (ICC) standard and / or EMV (including ISO / IEC 7816 and / or ISO / IEC 14443). Meet at least one financial ICC specification, including Europay, MasterCard, Visa), etc., and the characteristics of the smart card held by the customer (e.g., the type of open platform (e.g. Java Card, Mondex, SCFW Card, etc.) , A command logic included in a chip operating system (COS), and / or a free storage area of a memory unit included in an ICC), and the credit card storage. If the medium is a network-based credit card storage medium 145, the point information processed from the merchant point information is based on the database medium structure (e.g., record length, attributes, etc.) of the point D / B 155 of the point server 150. A characteristic must be satisfied, and a condition in which the point server 145 can respond to a query of a database management system (DBMS) that controls and manages the point D / B 155 must be satisfied.

In addition, the authentication and / or approval method for processing the merchant point information to transfer or share to a credit card includes a real time authentication method and a post-approval method, the real time authentication method in the point transfer or sharing process A method that can be used when at least one or more pieces of authentication information capable of authenticating the point transfer or sharing system 100 is provided, the validity authentication of the merchant point information, the credit card storage medium authentication, and / or the credit card. After performing at least one validity authentication among the holding customer authentication, processing the merchant point information authenticated as described above, and transferring or sharing the real-time point to the certified credit card storage medium of the certified credit card holder customer. Is a point transfer or sharing process, Alternatively, the sharing system 100 may be used when at least one authentication information that can be authenticated is not provided, and processing merchant point information into point information, but not including the point accumulation information in the point information. NULL) after the transfer or sharing to the credit card storage medium, including the point, at the next initial payment of the credit card obtained the approval of the merchant (e.g. credit card terminal provided at the merchant) to include in the point information Point transfer or sharing method that replaces null points with points earned information earned from the merchant.

The point extracting unit 105 is a module that extracts at least one or more merchant point information and / or point transfer or sharing policy from the point storage medium 130 for each merchant shared through a network and provides the point processing unit 115 to the point processing unit 115. Merchant point information and / or points stored in the point storage medium 130 for each merchant, among the point storage media 130 for each merchant that is connected to the point transfer or sharing system 100 through at least one wired and / or wireless network. Extracting the corresponding merchant point information and / or the point transfer or sharing policy, etc. of the point storage medium 130 for each merchant that shared a transfer or sharing policy to the point transfer or sharing system 100, and the merchant point information and / Or transfer the point transfer or sharing policy, etc. to the point processing unit 115 .

In the network connecting the point extracting unit 105 and the point storage medium 130 for each affiliated store provided in the affiliated store point system 135, an Internet and a general telephone exchange network based on Transmission Control Protocol / Internet Protocol (TCP / IP). All types of wireless, including Switched Telephone Network (PSTN), Value Added Network (VAN) and / or Power Line Communication (PLC), and all types of wireless, including Code Division Multiple Access (CDMA) based mobile networks Network, and / or a wired / wireless interworking network in which at least one wired network and a wireless network are interworked.

The point processing unit 115 is point information for storing the merchant point information stored in the point storage unit 110 and / or merchant point information extracted by the point extracting unit 105 in at least one credit card storage medium. As a module for processing, a point transfer or a point transfer obtained from the point extraction unit 105 and / or the point storage unit 110 together with the point transfer or sharing policy and / or merchant point information provided in the sharing system 100 or The point extracting unit 105 and / or the point storing unit 110 based on a sharing policy and the like, and also features (eg, ICC-based or network-based) of a credit card storage medium obtained through the point authenticator 120. Merchant point information provided from the processing to the point information that can be stored in the credit card storage medium.

For example, the merchant point information may be extracted by a method of extracting a store in a point transfer or sharing policy corresponding to specific merchant point information, and the point is transferred or shared through a real-time authentication method, and the credit card storage medium is based on ICC. If the credit card storage medium 160, the point processing unit 115 processes the merchant point information to be stored in the smart card based on the storage method extraction method and / or real-time authentication method based on the above information.

The point transfer or sharing unit 125 is a module for transferring or sharing at least one or more points information processed by the point processing unit 115 to each credit card storage medium according to the technical characteristics of the credit card storage medium. When the storage medium is an ICC-based credit card storage medium 160, a function of post issuance and / or post-issuance of the point storage information including the point information to a memory unit on the ICC included in the smart card. When point storage information including a plurality of point information has been issued in the memory unit on the provided ICC, the point storage information is stored as the point storage information, and a credit card storage medium stores a network-based credit card. In the case of the medium 145, the point D / B 155 of the point server 150 has the same point information as the point information. The point information is added to the point information if the same point information as the point information is stored in the point D / B 155 of the point server 150 and / or the point information is not stored. Function and so on.

The point authenticator 120 stores at least one customer authentication point in order to transfer or share merchant point information stored in the merchant point storage medium 130 included in the merchant point system 135 to at least one credit card storage medium. A module for performing at least one or more authentication of card authentication and / or credit card authentication, wherein at least one or more of information transmitted from a customer requesting transfer or sharing of points and / or at least one or more information included in merchant point information Determine the information, compare the authentication information included in the merchant point information with the authentication information transmitted to the customer, and store the merchant point information stored in the point storage medium 130 for each merchant at least one credit card; Authentication results for transferring or sharing to the media Characterized in that the crystal.

According to a preferred embodiment of the present invention, the authentication method of the point authentication unit 120 performs online authentication for a client accessing the point authentication unit 120 via the web server 165 through at least one or more networks.

In addition, in performing the online authentication, the point authenticator 120 may provide both a real-time authentication method and a post-approval method. In the real-time authentication method, the point authentication unit 120 receives at least one information from a client. And comparing at least one or more pieces of information included in the affiliated store points corresponding to the information, determining an authentication result based on the comparison result, and generating point information from the affiliated store point information according to the authentication result to the credit card storage medium. In the post-approval method, the point authenticator 120 omits some and / or all of the real-time authentication process from the merchant point information to generate point information in which the point accumulation information is processed to a null value, and then stores the point information on the credit card storage medium. Credit included with the merchant during the next initial payment After receiving approval through the card payment terminal and / or merchant point system 135, the point accumulation information of null value is replaced with valid point accumulation information.

According to the preferred method of the present invention, in the post-approval method as described above, the point information transferred or shared to the credit card storage medium before the post-approval or sharing includes the point accumulation information as a null value, but the point transfer or sharing The merchant point information stored in the point storage unit 110 of the system 100 and / or the merchant point information on the point storage medium 130 for each merchant that is shared by the point extracting unit 105 of the point transfer or sharing system 100 may be included. The post-approval process includes valid point accumulation information to replace the null value of the credit card storage medium.

According to another exemplary embodiment of the present invention, the authentication method of the point authentication unit 120 stores a point for each merchant through a written authentication and / or face-to-face authentication process for the credit card at the step of a new customer issuing a new credit card. It is possible to perform authentication for transferring or sharing the merchant point information stored in the medium 130 to at least one credit card storage medium.

According to another exemplary embodiment of the present invention, the authentication method of the point authentication unit 120 through the written authentication and / or face-to-face authentication process for the credit card at the existing customer re-issuance of a new credit card, points for each merchant It is possible to perform authentication for transferring or sharing the merchant point information stored in the storage medium 130 to at least one credit card storage medium.

According to a preferred embodiment of the present invention, the authentication means of the point authentication unit 120 is a means for using the account and password registered in the transfer point or sharing system 100 and / or the web server 165, such as name, social security number, etc. Means for using personal information directly, means for using card (e.g., loyalty and / or credit card) information, means for using authorized certificates such as certificate passwords or digital signatures, and / or fingerprints, hand, iris, voice, facial Means for utilizing biometric information, including signatures, retinas, veins, and the like.

The web server 165 relays the communication between the point transfer or sharing system 100 and the client in the point transfer or sharing through the online authentication process according to the preferred method of the present invention, and the point transfer or sharing system 100 A server that provides an interface function to express a point transfer or sharing process of a client as a client, and a function of interworking with the point transfer or sharing system 100 of the present invention is added to a known web server 165 function. do.

In the point transfer or sharing through the online authentication process according to the preferred method of the present invention, the client requests a point transfer or sharing through the web server 165 to the point sharing or sharing system 100, and the point transfer or In the sharing process, at least one or more information for online authentication is received and provided to the web server 165 and / or the point transfer or sharing system 100.

According to a preferred method of the present invention, in the point transfer or sharing point through the sharing system 100, if the credit card storage medium to which the merchant point information is transferred or shared is a smart card equipped with ICC, the client Has an ICC interface that satisfies a smart card standard that satisfies ISO / IEC 7816 and / or ISO / IEC 14443, and / or a financial ICC standard that satisfies EMV, and the like, from the merchant point information through the ICC interface. It is possible to perform the role of a card terminal device for issuing and / or storing the processed point information in the smart card.

FIG. 2 is a simple flowchart of a process of extracting affiliate store point information from the affiliate store point storage medium 130 included in the affiliate store point system 135 through the point transfer or sharing system 100.

According to a preferred embodiment of the present invention, there is a method of extracting the merchant point information stored in the point storage medium 130 for each merchant provided in the merchant point system 135 includes a storage method extraction method and a sharing method extraction method. The extraction method stores the merchant point information stored in the affiliated point storage medium 130 included in the affiliated point system 135 to the point store or the point storage unit 110 of the sharing system 100, and then stores the point. Alternatively, the sharing system 100 extracts the merchant point information stored in the point storage unit 110 in the step of transferring or sharing the merchant point information to the credit card storage medium, and the sharing method extracting method includes the merchant point system 135. Stores merchant point information stored in the point storage medium 130 for each merchant provided in the network through the network. The point extracting unit 105 in a step in which the point transferring or sharing system 100 transfers or shares the merchant point information to the credit card storage medium after sharing with the point extracting unit 105 of the sharing system 100 or the sharing system 100. Is a method of extracting corresponding merchant point information from the shared point storage medium 130 for each merchant.

In addition, according to a preferred embodiment of the present invention, the method for extracting the merchant point information stored in the point storage medium 130 for each merchant provided in the merchant point system 135 may include a point before or after the point determined by the merchant point system 135. Point sharing or sharing policy determined by the sharing policy, point transfer or sharing system 100, and / or point transfer or sharing policy according to a business partnership and contract between merchant point system 135 and point transfer or sharing system 100. It is preferable to determine based on the above.

Accordingly, the merchant point system 135 and / or the point transfer or sharing system 100, etc. determine how to extract the merchant point information stored in the merchant-specific point storage medium 130 provided in the merchant point system 135. (200).

If the merchant point information extraction method is a storage method extraction method (205), the merchant point system 135 extracts at least one merchant point information stored in the point storage medium 130 for each merchant (210), as described above The extracted affiliated store point information is provided to the point transfer or sharing system 100 and stored in the point storage unit 110 (215).

According to a preferred embodiment of the present invention, the process of providing and storing the merchant point information as described above may be performed through a network between the merchant point system 135 and the point transfer or sharing system 100, or the merchant point system. The point storage medium 130 for each affiliated store provided in the 135 may be made through a process of copying the point storage medium 130 before the point or to the point storage unit 110 of the sharing system 100.

According to a preferred embodiment of the present invention, the process of providing and storing the merchant point information as described above is performed by using the latest merchant point information among the merchant point information stored in the point storage medium 130 for each merchant of the merchant point system 135. It is characterized in that provided to the point storage unit 110 to store.

For example, even after the merchant point information has been provided to the point storage unit 110 and stored once, if the same merchant point information is updated in the merchant point system 135, the process of providing and storing the merchant point information as described above may be performed. Update the latest merchant point information.

On the other hand, if the merchant point information extraction method is a sharing method extraction method 220, the merchant point system 135 transfers a point storage medium 130 for each merchant through at least one or more networks or extracts points of the sharing system 100. The unit 105 shares the information to be accessible, and waits for the affiliate store point information extraction from the point extraction unit 105 (225).

If the point extraction unit 105 of the point transfer or sharing system 100 requests at least one merchant point information from the point storage medium 130 for each merchant shared as described above through the network (230), the merchant point The system 135 extracts affiliate store point information requested by the point extractor 105 from the point store medium 130 for each merchant and provides the extracted point information to the point extractor 105 through the network (235).

According to a preferred embodiment of the present invention, the process of sharing and real-time extraction of the merchant point information as described above is performed by the merchant point system 135 and the point extraction unit 105 of the point transfer or sharing system 100 using at least one network. Valid when connected via

3 is a simplified diagram of a point transfer or sharing system 100 for transferring or sharing merchant point information to a credit card storage medium using credit card information as authentication information.

According to a preferred embodiment of the present invention, the point transfer or sharing system 100 for transferring or sharing the merchant point information to the credit card storage medium using the credit card information as the authentication information, the point transfer or sharing system of FIG. In addition to the features of 100, the credit card information D / D to the point transfer or sharing system 100 in addition to the automation of the point transfer or shared authentication process, and the simplified input of authentication information for point transfer or shared authentication, etc. It is possible to include B 300.

Referring to FIG. 3 according to a preferred embodiment of the present invention, the credit card information D / B 300 is included in the point authenticator 120 performing authentication for point transfer or sharing, and the credit card information D / B 300. B 300 includes at least one or more credit card storage medium information, credit card member authentication information, etc. corresponding to credit card unique information (eg, credit card number).

According to another exemplary embodiment of the present invention, the point authentication unit 120 interoperates with the credit card information D / B 300 that is already provided in the credit card company, or provides the client (for example, information necessary for point transfer or shared authentication). It is also possible to omit the credit card information D / B (300) by extracting directly from the credit card information included in the customer's credit card).

According to a preferred embodiment of the present invention, the method for transferring or sharing the merchant point information to the credit card storage medium using the credit card information as the authentication information includes the point store medium 130 for each merchant provided in the merchant point system 135. Is preferably used when at least one member information compatible with the member information of the credit card company is provided.

4 is a simple flowchart illustrating a process of extracting affiliate store point information stored in the point storage unit 110 using credit card information as authentication information and transferring or sharing the same to the credit card storage medium.

Referring to FIG. 4, the point transfer or sharing system 100 for transferring or sharing the merchant point information to the credit card storage medium using the credit card information as the authentication information is for each merchant provided in the merchant point system 135. The store point extraction method is used to extract affiliate store point information from the point storage medium 130, and real-time authentication is performed using credit card information as authentication information.

However, in the case of Figure 4, it is specified that only the preferred method corresponds to various methods of transferring or sharing the merchant point information to the credit card storage medium using the credit card information as the authentication information.

To transfer or share merchant point information to a credit card storage medium using credit card information as authentication information, a client connects to (e.g., user logs in) the web server 165, which is provided by the web server 165. Through the interface screen, credit card information (eg, credit card number, password, etc.) corresponding to the credit card storage medium to which merchant point information is transferred or shared to the point authenticator 120 of the point transfer or sharing system 100 is transferred. Provide an authentication request for transferring or sharing the merchant point information to the credit card storage medium based on the credit card information (400).

If the credit card information is provided to the point authenticator 120 as described above, the point authenticator 120 is credit card information D / B 300 as shown and described in the point transfer or sharing system 100 of FIG. Credit card storage medium information and credit card member authentication information corresponding to the credit card information are extracted (405), and credit card member authentication is performed based on the credit card member authentication information.

According to a preferred embodiment of the present invention, credit card member authentication is based on whether the credit card member information corresponding to the credit card number provided from the client exists in the credit card information D / B 300, and the credit card member is a normal member. And whether the credit card member satisfies the condition for transferring or sharing the merchant point information to the credit card storage medium.

If the credit card member authentication fails in the authentication process (410), the point authentication unit 120 generates an error message generated in the process of transferring or sharing the merchant point information to the credit card storage medium, the web server (165) After transmitting and outputting to the client through 415, the process of transferring or sharing the merchant point information to the credit card storage medium is terminated using the credit card information as the authentication information.

On the other hand, if the credit card member authentication is successful in the authentication process (420), the point authentication unit 120 at least one corresponding to the credit card member authentication information in the point storage unit 110 based on the credit card member authentication information The affiliate store point information is retrieved (425).

According to a preferred embodiment of the present invention, in the process of searching for merchant point information corresponding to the credit card information as described above, the merchant point information corresponding to the credit card information may not be stored in the point storage unit 110. Only one may be stored, or at least one or more may be stored.

For example, when a plurality of merchant point information corresponding to the credit card information is stored in the point storage unit 110, a process of selecting merchant point information to be transferred or shared from the plurality of merchant point information to a credit card storage medium through a client. It is preferable that this is included. Of course, if the blind point information corresponding to the credit card information does not exist, or if only one merchant point information is stored, the merchant point information is transmitted to the client to select the merchant point information to be transferred or shared. It is also possible to omit the process.

If the merchant point information corresponding to the credit card information is not searched for in the merchant point search process (430), the point authenticator 120 receives an error message generated in the process of transferring or sharing the merchant point information to the credit card storage medium. After generating and transmitting to the client through the web server 165 and outputting the data (415), the process of transferring or sharing the merchant point information to the credit card storage medium is completed using the credit card information as the authentication information.

On the other hand, if at least one merchant point information corresponding to credit card information is searched for in the merchant point search process (435), the point authenticator 120 searches for at least one merchant point information search result corresponding to the credit card member authentication information. Provided to the web server 165 (440).

The web server 165 processes the affiliate store point information search result provided from the point authenticator 120 into a format that can be output to the client, and then transmits the result to the client (445).

When the processed merchant point information search result is transmitted from the web server 165, the client selects merchant point information to be transferred or shared to a credit card storage medium based on the merchant point information search result (450). The selected merchant point selection result is provided to the point authenticator 120 through the web server 165 (455).

When the merchant point information selection result for transferring or sharing the merchant point information from the client to the credit card storage medium is provided through the above process, the point authenticator 120 may compare the point transfer or shared authentication result based on the credit card information. The merchant point information selection result selected from the client to transfer or share the merchant point information to the credit card storage medium, and the credit card storage medium information extracted from the credit card information D / B 300 to the point processing unit 115. Provided (460).

The point processing unit 115 receives the point transfer or shared authentication result, the merchant point information selection result, and / or the credit card storage medium information, etc. from the point authentication unit 120. Extracting at least one merchant point information corresponding to the affiliate store point information selection result from the storage unit 110 (465), and extracts the merchant point information extracted as described above based on the credit card storage medium information. Process into point information that can be transferred or shared to (470).

As described above, when the point processing unit 115 processes at least one or more merchant point information into point information that can be transferred or shared to the credit card storage medium, the point transfer or sharing unit 125 may perform the point processing unit 115. The processed point information is transferred or shared to the credit card storage medium based on the credit card storage medium information referred to in the merchant point information processing (475).

According to the present invention, the point processing unit 115 processes the merchant point information as described above, and the point transfer or sharing unit 125 transfers or shares the processed point information to the credit card storage medium as described above. , Depends on the characteristics of the credit card storage media.

For example, if the credit card storage medium is an ICC-based credit card storage medium 160, the point processing unit 115 processes the merchant point information in a form that can be post-issued and / or stored in the smart card, and the point transfer or share unit ( 125) transfers or shares the point information using post-issuance and / or storing the point information as the point storage information on the memory unit of the ICC included in the smart card through the ICC interface provided in the client.

Also, for example, if the credit card storage medium is a network-based credit card storage medium 145, the point processing unit 115 may add and / or update points to the point D / B 155 on the point server 150 on the network. The information is processed, and the point transfer or sharing unit 125 transfers or shares the point information through a process of further registering and / or updating the point information with the point D / B 155 on the point server 150.

5 is a simplified diagram of a point transfer or sharing system 100 for transferring or sharing affiliate store point information to a credit card storage medium using the card authentication key of the point card 500 as authentication information.

According to a preferred embodiment of the present invention, a point transfer or sharing system 100 for transferring or sharing affiliate store point information to a credit card storage medium using the card authentication key of the point card 500 as the authentication information is shown in FIG. It includes the features of the point transfer or sharing system 100 of the point, and additionally extracted from the point-specific storage medium 130 for each merchant provided in the merchant point system 135 through a storage method extraction method and / or a shared method extraction method. The merchant point information must include at least one card authentication key for at least one point card 500, and the information provided from the client to the point authenticator 120 through the web server 165 is included in the merchant point information. At least one information capable of using the card authentication key as an authentication means is included.

For example, if the loyalty card 500 is MS-based, a card validity period or the like may be printed on the loyalty card 500, and a card for transferring or sharing merchant point information to a credit card storage medium for the card validity period. It can be used as an authentication key.

Also, for example, if the point card 500 is a card in which point related information is printed, the point card 500 may include an initial transaction date and time, an initial payment amount, and / or an initial earned point, or a last transaction date and Information such as time, last payment amount, and / or last earned point may be printed, and the print information may be used as a card authentication key for transferring or sharing merchant point information to a credit card storage medium.

According to a preferred embodiment of the present invention, the method for transferring or sharing the merchant point information to the credit card storage medium using the card authentication key of the point card 500 as the authentication information may be performed for each merchant provided in the merchant point system 135. It is preferable to use when the point storage medium 130 does not have at least one member information compatible with the member information of the credit card company.

FIG. 6 is a simple flowchart illustrating a process of extracting affiliate store point information using a card authentication key of the point card 500 as authentication information and transferring or sharing the same to a credit card storage medium.

Referring to FIG. 6, a point transfer or sharing system 100 for transferring or sharing affiliate store point information to a credit card storage medium using the card authentication key of the point card 500 as the authentication information, the merchant point system 135 A method of extracting affiliate store point information from the affiliated store point storage medium 130 provided in FIG. 6) is used to extract the affiliate store point information, and performs real-time authentication using the card authentication key of the point card 500 as the authentication information.

However, in the case of FIG. 6, the card authentication key of the loyalty card 500 is used as the authentication information, and it is specified that it corresponds only to the preferred method among various methods of transferring or sharing the merchant point information to the credit card storage medium. .

In order to transfer or share the merchant point information to the credit card storage medium using the card authentication key of the loyalty card 500 as the authentication information, the client connects to the web server 165 (eg, a user login), and the web server ( Credit card information corresponding to the credit card storage medium to which the merchant point information is transferred or shared to the point authenticator 120 of the point transfer or sharing system 100 through an interface screen provided by 165. Password, etc.) and the point card 500 information is provided (600).

According to a preferred embodiment of the present invention, the credit card information includes credit card storage medium information that can be referred to in the process of processing the point information by the point processing unit 115 to the point information for transferring or sharing the merchant point information to the credit card storage medium. Included.

According to a preferred embodiment of the present invention, the point card 500 information includes information on the merchant point system 135 that issued the point card 500 (for example, a merchant unique code) and that the merchant point system 135 issues. The loyalty card 500 includes unique information (eg, loyalty card number, loyalty card member number, loyalty card serial number, etc.).

When the credit card information and the point card 500 information are provided from the client as described above, the point authentication unit 120 uses the point card 500 through the point extraction unit 105 based on the point card 500 information. By searching the point storage medium 130 for each merchant provided in the merchant point system 135 corresponding to the information, the point card 500 information is displayed among the merchant point information shared in the point storage medium 130 for each merchant. The corresponding affiliate store point information is searched for (605).

If the merchant point information search corresponding to the point card 500 information fails in the merchant point information search process (610), the point authenticator 120 in the process of transferring or sharing the merchant point information to the credit card storage medium After the generated error message is transmitted to the client through the web server 165 and outputted (615), the process of transferring or sharing the merchant point information to the credit card storage medium using the credit card information as the authentication information is ended. do.

On the other hand, if the affiliate store point information search corresponding to the point card 500 information is successful in the affiliate store point information search process (620), the point authenticator 120 searches for the affiliate store point information corresponding to the point card 500 information. To the web server 165 (625).

The web server 165 may output the merchant point information search result provided from the point authenticator 120 to the client, and process the card authentication key for the point card 500 from the client in a format for receiving the card authentication key. In operation 630, the client transmits a request for inputting a card authentication key to the client in operation 635.

When the processed merchant point information search result is transmitted from the web server 165, the client receives the card authentication key included in the corresponding point card 500 through the merchant point information search result, and enters as described above. The card authentication key is transmitted to the point authenticator 120 through the web server 165 (640).

When the card authentication key included in the point card 500 is transmitted from the client through the above process, the point authentication unit 120 compares the card authentication key with the card authentication key included in the affiliated store point information. In operation 645, the comparison result is determined as the point card 500 validity authentication result.

If the validity of the point card 500 is not authenticated in the process (650), the point authentication unit 120 generates an error message generated in the process of transferring or sharing the merchant point information to the credit card storage medium, and the web server ( After transmitting to the client through 165 and outputting the data to the client (615), the process of transferring or sharing the merchant point information to the credit card storage medium is completed using the credit card information as the authentication information.

On the other hand, if the validity of the point card 500 is authenticated in the process (655), the point authentication unit 120 points to the validity authentication result of the point card 500 and credit card storage medium information extracted from the credit card information. Provided to the processing unit 115 (660).

The point processing unit 115 stores the affiliated point storage medium 130 provided in the affiliated store point system 135 through the point extraction unit 105 based on the point card 500 validity authentication result from the point authentication unit 120. Extract the affiliated store point information from the information store 665, and process the extracted affiliated store point information as point information that can be transferred or shared to the credit card storage medium based on the credit card storage medium information (670). .

As described above, when the point processing unit 115 processes at least one or more merchant point information into point information that can be transferred or shared to the credit card storage medium, the point transfer or sharing unit 125 may perform the point processing unit 115. The processed point information is transferred or shared to the credit card storage medium based on the credit card storage medium information referred to in the merchant point information processing (675).

According to the present invention, the point processing unit 115 processes the merchant point information as described above, and the point transfer or sharing unit 125 transfers or shares the processed point information to the credit card storage medium as described above. , Depends on the characteristics of the credit card storage media.

For example, if the credit card storage medium is an ICC-based credit card storage medium 160, the point processing unit 115 processes the merchant point information in a form that can be post-issued and / or stored in the smart card, and the point transfer or share unit ( 125) transfers or shares the point information using post-issuance and / or storing the point information as the point storage information on the memory unit of the ICC included in the smart card through the ICC interface provided in the client.

Also, for example, if the credit card storage medium is a network-based credit card storage medium 145, the point processing unit 115 may add and / or update point information to the point D / B 155 on the point server 150 on the network. Processing, and the point transfer or share unit 125 transfers or shares the point information through a process of further registering and / or updating the point information to the point D / B 155 on the point server 150.

7 is a simplified diagram of a point transfer or sharing system 100 for transferring or sharing merchant point information to a credit card storage medium through a post-approval process.

According to a preferred embodiment of the present invention, the point transfer or sharing system 100 for transferring or sharing the merchant point information to the credit card storage medium through a post-approval process, the point transfer or sharing system 100 of FIG. The feature is stored as it is, and additionally stores the point information original (eg, point information before the point accumulation information is changed to a null value) processed by the point processing unit 115 from the merchant point information in the point transfer or sharing system 100. The original point information D / B 725 is included, and a credit card payment system for processing post-approval is also included.

According to a preferred embodiment of the present invention, the original point information D / B 725 is included in the point transfer or share unit 125 that performs point transfer or share of point information processed from affiliated store point information.

According to another exemplary embodiment of the present invention, the original point information D / B 725 may be provided at any position before the point or the share unit 125 is accessible.

Referring to FIG. 7, the credit card payment system 700 extracts and reads MS-based and / or ICC-based credit cards for credit card payment, at least one or more credit card information from the credit card, and generates payment information. Credit card terminal 715 for providing a payment transaction between payment server 705 and at least one network (eg, Value Added Network (VAN)) that connects between credit card terminal 715 and payment server 705. And a credit server terminal 715 and a payment server 705 that handles payment authorization for payment transactions. The payment server 705 of the credit card payment system for processing post-authorization includes a credit card terminal ( A post-approval processing unit 710 is provided to extract credit card information from the payment information transmitted from 715 to process the post-approval process, and the credit card terminal 715 is provided with a payment form. The post-approval program 720 is further provided to process the post-approval process by extracting the point accumulation information from the payment approval information transmitted from the burr 705.

In the credit card payment system 700 for processing the post-authorization, the post-authorization processing unit 710 added to the payment server 705 extracts the credit card information from the payment information transmitted from the credit card terminal 715. After searching whether the point information corresponding to the credit card information is stored from the point transfer information D / B 725 of the sharing system 100 based on the credit card information, the point based on the search result After extracting the point accumulation information of the corresponding point information from the information D / B 725, the payment server 705 serves to include in the payment approval information transmitted to the credit card terminal 715.

In the credit card payment system 700 for processing the post-approval, the post-approval program 720 added to the credit card terminal 715 extracts the point accumulation information from the payment approval information transmitted from the payment server 705. In addition, through the process of FIG. 8, the value of null is determined by replacing the point accumulation information with the extracted point accumulation information in the point information transferred or shared to the credit card storage medium.

According to a preferred embodiment of the present invention, the method of transferring or sharing the merchant point information to the credit card storage medium through a post-approval process is based on the merchant point information stored in the merchant-specific point storage medium 130 of the merchant point system 135. It is preferable to use when real-time authentication cannot be performed.

According to a preferred embodiment of the present invention, the method of transferring or sharing the merchant point information to the credit card storage medium through a post-approval process is based on the merchant point information stored in the merchant-specific point storage medium 130 of the merchant point system 135. When the point earning information is not included and the point earning information is provided from the client, it is preferable to use it when the validity of the point earning information is approved by the corresponding affiliate store.

FIG. 8 is a simple flowchart illustrating a process of mounting point information having a null point information on a credit card storage medium to transfer or share merchant point information to a credit card storage medium through a post-approval process.

Referring to FIG. 8, in order to transfer or share the merchant point information to the credit card storage medium through a post-approval process, the client sends the web server 165 to mount the point information having the null point information on the credit card storage medium. Credit card storage medium to which the merchant point information is transferred or shared to the point authenticator 120 of the point transfer or sharing system 100 through an interface screen provided by the web server 165. The credit card information (eg, credit card number, password, etc.) and the point card 500 corresponding to the information are provided (800).

According to a preferred embodiment of the present invention, the credit card information includes credit card storage medium information that can be referred to in the process of processing the point information by the point processing unit 115 to the point information for transferring or sharing the merchant point information to the credit card storage medium. Included.

Accordingly, the point authentication unit 120 extracts credit card storage medium information that can be referenced by the point processing unit 115 in the process of processing the merchant point information from the credit card information (805), and the credit card storage medium. Information and the point card 500 information is provided to the point processing unit 115 (810).

According to a preferred embodiment of the present invention, the point card 500 information includes information on the merchant point system 135 that issued the point card 500 (for example, a merchant unique code) and that the merchant point system 135 issues. Point card 500 unique information (eg, a point card number, a point card member number, a point card serial number, etc.), and / or point accumulation information accumulated in the point card 500 may be included.

Accordingly, when the credit card storage medium information and the point card 500 information are provided as described above, the point processing unit 115 stores the points for each affiliated store point of each affiliate store point system 135 through the point extraction unit 105. The affiliate store point information corresponding to the point card 500 information is extracted from the medium 130, or the affiliate store point information corresponding to the point card 500 information is extracted from the point storage unit 110 (815).

When affiliated store point information corresponding to the point card 500 information is extracted as described above, the point processing unit 115 stores the merchant point information based on the credit card storage medium information provided by the point authenticator 120. The data is processed into point information that can be mounted on the storage medium (820).

According to a preferred embodiment of the present invention, the point information processed by the point processing unit 115 as described above includes the point accumulation information input by the client, the point transfer from the point transfer or sharing system 100 position It is impossible to verify that the information is valid.

Therefore, after the point transfer or share unit 125 changes the point accumulation information of the point information processed by the point processing unit 115 to a null value, the point processing unit 115 processes the affiliated store point information. In operation 825, a credit card is used as a storage medium.

According to the present invention, the point processing unit 115 processes the merchant point information as described above, and the point transfer or sharing unit 125 transfers or shares the processed point information to the credit card storage medium as described above. , Depends on the characteristics of the credit card storage media.

For example, if the credit card storage medium is an ICC-based credit card storage medium 160, the point processing unit 115 processes the merchant point information in a form that can be post-issued and / or stored in the smart card, and the point transfer or share unit ( 125) mounts the point information using a process of post-issuance and / or storing the point information as point storage information on the memory unit of the ICC provided in the smart card through the ICC interface provided in the client.

Also, for example, if the credit card storage medium is a network-based credit card storage medium 145, the point processing unit 115 may add and / or update point information to the point D / B 155 on the point server 150 on the network. Processing, and the point transfer or sharing unit 125 mounts the point information through a process of further registering and / or updating the point information to the point D / B 155 on the point server 150.

When the point information whose point accumulation information is changed to a null value as described above is transferred or shared to the credit card storage medium, the point transfer or sharing unit 125 transfers the point accumulation information to the credit card storage medium as described above through a post-approval process. In order to change the point accumulation information of the point information mounted on the, the original point information is stored in the original point D / B (725), and then from the credit card payment system 700 provided in the merchant point system 135 Wait until the next initial credit card payment is processed (830).

FIG. 9 is a simple flowchart of a process of replacing point accumulation information of point information mounted on a credit card storage medium with valid point accumulation information through a post approval process.

According to the preferred embodiment of the present invention, the point accumulation information of the point information mounted on the credit card storage medium through the process of FIG. 8 is changed to a null value, and instead, the point accumulation information of the null value as described above is replaced. Point earning information is included in the original point information D / B (725).

In addition, the process of replacing the point earning information of the point information mounted on the credit card storage medium with the valid point earning information through the process of Figure 8, in the next initial payment process for the credit card corresponding to the credit card storage medium This is done through the approval process.

That is, when a credit card corresponding to the credit card storage medium requests a credit card payment through a credit card terminal 715 of a merchant corresponding to the corresponding merchant point system 135, the credit card terminal 715 receives the credit card. After extracting and reading the credit card information from the credit card information, the payment information is generated and transmitted to the payment server 705 of the credit card company through the network (900).

When payment information is transmitted from the credit card terminal 715 of the merchant as described above, the payment server 705 generates payment approval information through a known process, and at the same time added to the payment server 705 for the present invention. The post-approval processing unit 710 extracts credit card information (eg, credit card number) and merchant information (eg, merchant unique code) from the payment information transmitted to the payment server 705 as described above (905). In step 910, the point transfer or sharing unit 125 is requested to search whether the original point information corresponding to the extracted credit card information and the merchant information exists in the original point information D / B 725.

If the point transfer or share unit 125 fails to retrieve original point information corresponding to the credit card information and / or merchant information from the original point information D / B 725 (915), the point transfer or share unit 125 ) Generates an original point information search error message, determines the error message as a result of the original point information search, and provides the error message to the post-approval processing unit 710 (step 920).

If the error message is included in the original point information search result provided from the point transfer or sharing unit 125 as described above, the post-approval processing unit 710 adds the point accumulation information on the payment approval information generated by the payment server 705. Do not work.

On the other hand, if the point transfer or share unit 125 retrieves original point information corresponding to the credit card information and / or merchant information from the original point information D / B 725 in the process (925), the point transfer or share unit 125 extracts the point accumulation information of the corresponding point information original from the original point information D / B 725, and determines the extracted point accumulation information as the original point information search result to the post-approval processing unit 710. Provided (930).

As described above, when the original point information search result provided from the previous point or the sharing unit 125 includes the point accumulation information for the original point information, the post-approval processing unit 710 generates the payment approval information generated by the payment server 705. In step 935, point accumulation information about the original point information is added.

When the payment approval information is generated as described above, the payment server 705 transmits the payment approval information to the credit card terminal 715 through the network, and the credit card terminal 715 is known based on the payment approval information. The credit card payment process (940), and at the same time the post-approval program 720 provided in the credit card terminal 715 corresponding to the point information mounted as a credit card storage medium through the process of Figure 8 to the payment approval information Check whether the point earning information is included (945).

If the payment approval information transmitted from the payment server 705 does not include the point accumulation information corresponding to the point information mounted as the credit card storage medium (950), the post-authorization program 720 is mounted as the credit card storage medium. The process of changing the null value of the point accumulation information of the received point information into valid point accumulation information is terminated.

On the other hand, if the payment approval information transmitted from the payment server 705 includes the point accumulation information corresponding to the point information mounted as a credit card storage medium (955), the successor program 720 is a credit card terminal 715 Through the post-approval process of authenticating the validity of the point accumulation information through.

According to a preferred embodiment of the present invention, the authentication process for validating the point earning information is a payment approval information to replace the point earning information set by a null value of the point information mounted on the credit card storage medium by the post-authorization program 720. The point earning information extracted from the credit card terminal 715 is output to the screen output unit, the credit card terminal 715 through the key input unit is a process of obtaining a post approval for the point earning information.

If it is not possible to authenticate the validity of the point accumulation information (960), the merchant enters the point accumulation information through the key input unit of the credit card terminal 715, or from the customer's point card 500 through a barcode reader, etc. After inputting the point accumulation information, the post-approval program determines the point accumulation information input through the credit card terminal 715 as valid point accumulation information as described above (965).

On the other hand, if the validity of the points earning information is authenticated or valid point earning information is determined through the above process (970), the successor program 720 of the credit card storage medium loaded with the point information through the process of Figure 8 Check the kind.

If the credit card storage medium is an ICC-based credit card storage medium 160 (975), the post-approval program 720 is the ICC-based credit card storage medium 160 through a known post-issuance and / or ICC storage information update process In step 980, the point accumulation information of the point information mounted on the point information is valid as point accumulation information as described above.

On the other hand, if the credit card storage medium is MS-based credit card storage medium 145 (985), the post-authorization program 720 is a network corresponding to the MS-based credit card storage medium 145 to the point before or sharing unit 125 Request to change the point earning information of the point information mounted on the base credit card storage medium 145 into valid point earning information as described above (990), the point transfer or sharing unit 125 is the post-approved program 720 In accordance with the request of the network-based credit card storage medium 145 to change the point accumulation information of the point information mounted on (995).

According to the present invention, by providing a method and system for transferring or sharing the merchant point information previously stored in at least one merchant-specific point storage medium for storing the merchant point for each merchant, to a credit card storage medium,

From a client's point of view, an independent merchant point service can be provided from a plurality of merchants only by a credit card without having a plurality of merchant point cards 500.

In addition, from the point of view of the merchant, since the credit card infrastructure is used in the process of providing the merchant point service, the cost of operating the point is low, and the card issuing cost is not consumed because the point card 500 is not issued. have.

In addition, it is possible for credit card companies to increase the number of credit card payments by transferring the points of each merchant to the credit card, and also extract and utilize customer management information acquired by each affiliate after their efforts. have.

Claims (2)

At least one merchant-specific point storage medium for storing each merchant-specific points and credit card storage medium to which the points stored in the merchant-specific point storage medium is transferred or shared, Point storage means for storing point information of the affiliated store; And In order to transfer or share the point information given to a specific customer using the affiliated point among the point information of the affiliated store to the payment means possessed by the specific customer, the point information given to the specific customer is linked with the payment means information of the specific customer. Point storage or sharing means for processing to store in the storage medium, or to store the point information given to a specific customer to the payment means of the specific customer; Merchant point transfer or sharing system characterized in that it comprises a. The method of claim 1, wherein the payment means, Merchant point transfer or sharing system comprising an IC chip mounted on or detached from a customer credit card or a customer wireless terminal.

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