KR20090001559A - System for reserving points using mobile terminal and method thereof - Google Patents

Abstract

A point accumulation system with a mobile terminal and a method for the same are provided to save a cost for the point accumulation. A point accumulation system with a mobile terminal comprises a step for receiving point accumulation request of a client from the mobile terminal of an owner of franchise(S100), a step for performing authentication about the owner of franchise(S130), a step for performing the point accumulation about the client(S170) after completing the authentication about the owner of franchise and a step for transmitting a message that the point accumulation about client was completed to the mobile terminal of the client and the mobile terminal of the owner of franchise(S180).

Description

Point earning system using mobile terminal and method thereof {SYSTEM FOR RESERVING POINTS USING MOBILE TERMINAL AND METHOD THEREOF}

1 is a view showing a schematic configuration to which the point earning system according to the first embodiment of the present invention is applied.

FIG. 2 is a detailed block diagram of the point earning system shown in FIG. 1.

3 is a configuration example of an affiliate store information database of the information storage unit illustrated in FIG. 2.

4 is a configuration example of a member information database of the information storage unit shown in FIG. 2.

5 is a flowchart of a point earning method according to a first embodiment of the present invention.

6 is a diagram illustrating a schematic configuration to which a point earning system according to a second embodiment of the present invention is applied.

7 is a detailed block diagram of the point earning system shown in FIG.

8 is a configuration example of an affiliated store information database of the information storage unit illustrated in FIG. 6.

9 is a flowchart of a point earning method according to a second embodiment of the present invention.

10 is a diagram illustrating a schematic configuration to which a point earning system according to a third embodiment of the present invention is applied.

FIG. 11 is a detailed block diagram of the point earning system shown in FIG. 10.

FIG. 12 is a configuration example of an affiliate store information database of the information storage unit shown in FIG. 11.

13 is a flowchart of a point earning method according to a third embodiment of the present invention.

14 is a diagram illustrating a schematic configuration to which a point earning system according to a fourth embodiment of the present invention is applied.

15 is a detailed block diagram of the point earning system shown in FIG.

16 is a flowchart illustrating a point earning method according to a fourth embodiment of the present invention.

The present invention relates to a point earning system and a method thereof, and more particularly, to a point earning system and method for enabling point earning using a mobile terminal.

In order to secure and retain customers, a point earning system is widely used to provide points, miles, coupons, etc. when a customer purchases a product, and to provide discounts when a certain point or quantity is accumulated. The point earning system serves as a link to maintain the relationship between the trading company and the customer by returning points, miles or coupons, etc., resulting from the purchase of the product back to the long-term benefits to the customer.

In the conventional point earning system, a variety of points are provided in the form of a point card such as a carrier member card, a credit card, a credit card or a coupon of a box, a sticker, a magnet, a paper bag, or the like.

According to the conventional point earning system, when the customer pays the use price at the merchant, presenting the point earning card and revealing the point earning intention, the merchant executes the point earning through a dedicated terminal installed for earning points. At this time, the actual point accumulation is made by passing the point accumulation information to the card company through a system (VAN: Value Added Network) company connected to the exclusive terminal of the merchant.

On the other hand, when the customer indicates the intention to use the accumulated points by presenting the points earning card when the customer pays the use price at the merchant, the merchant performs the payment using the earned points through a dedicated terminal. In this case, the actual point use is made by passing the point use information to the corresponding card company through the Bansa system connected to the merchant's dedicated terminal.

As described above, the conventional point earning system has a problem in that a lot of costs such as facility investment cost and operating cost for earning points are required because it must be through a bansa system when earning or using points.

In addition, points earning cards are provided differently for each company, so customers must have a point earning card provided by the company they use to receive points earning services, so if you use multiple companies, There is a problem that all must be carried.

In addition, the merchants of the company providing the point earning service has a problem in that a number of dedicated terminals must be provided since the approval of the point earning card is not made when the bans system connected to the dedicated terminal for the point earning service is different.

Accordingly, in order to solve this problem, the present invention provides a point earning system and method having a low cost for earning points by enabling point accumulation and use using a mobile terminal.

In addition, the present invention provides a point earning system that enables the earning of points of different companies in a plurality of merchants without having a plurality of cards.

In order to achieve the above object, the method of earning points according to one feature of the present invention,

As a method of earning points to the customer for the payment amount of the customer at the merchant that deals with the customer,

a) receiving a request for earning points of a customer from a mobile terminal of a merchant; b) performing authentication on the affiliated store owner; c) if the authentication for the merchant owner is completed successfully, performing point accumulation for the customer; And d) sending a message indicating that point accumulation for the customer is completed to the affiliated owner's mobile terminal and the customer's mobile terminal, respectively.

Point earning system according to another feature of the present invention,

As a system for earning points to the customer for the payment amount of the customer at the merchant that deals with the customer,

An information storage unit for storing information of a customer and information of an affiliated store; An affiliated store owner authentication unit configured to authenticate the affiliated store owner of the affiliated store; A point accumulator for calculating points for the payment amount and performing point accumulation for the customer; And a controller configured to control the information storage unit, the affiliated store owner authentication unit, and the point accumulator to accumulate points for the customer requested by the affiliated mobile station to perform the point accumulation for the customer.

Point earning method according to another feature of the present invention,

As a method of earning points to the customer for the payment amount of the customer at the merchant that deals with the customer,

a) receiving a request for earning points of the customer from the mobile terminal of the customer; b) determining whether the customer is a member capable of earning points; c) if it is determined that the customer is a member, performing point accumulation on the payment amount for the customer; And d) sending a message indicating that point accumulation for the customer is completed to the affiliated owner's mobile terminal and the customer's mobile terminal, respectively.

Point earning system according to another feature of the present invention,

As a system for earning points to the customer for the payment amount of the customer at the merchant that deals with the customer,

An information storage unit for storing information of a customer and information of an affiliated store; Member identification unit for checking whether the customer is a member that can earn points; A point accumulator for calculating points for the payment amount and performing point accumulation for the customer; And a controller configured to control the information storage unit, the member verification unit, and the point accumulator to accumulate points for the customer, to accumulate points for the customer requested from the mobile terminal of the customer.

Point earning method according to another feature of the present invention,

As a method of earning points to the customer for the payment amount of the customer at the merchant that deals with the customer,

a) receiving a request for earning points of a customer from a mobile terminal; b) determining whether the mobile terminal requesting the point accumulation is a mobile terminal of a merchant or a mobile terminal of the customer; And c) the other party from the mobile terminal requesting the point accumulation, wherein the other party is the customer if the mobile terminal requesting the point accumulation is the affiliated owner's mobile terminal, and the affiliated store if the mobile terminal is the mobile terminal of the customer. Receiving and performing points earning for the customer.

Point earning system according to another feature of the present invention,

As a system for earning points to the customer for the payment amount of the customer at the merchant that deals with the customer,

An information storage unit for storing information of a customer and information of an affiliated store; A point accumulator for calculating points for the payment amount and performing point accumulation for the customer; And when the point accumulation for the customer is requested from the mobile terminal, the other party from the mobile terminal, wherein the other party is the customer if the mobile terminal requesting the point accumulation is the affiliated owner's mobile terminal, and the mobile terminal of the customer. And a control unit for controlling the information storage unit and the point accumulating unit to receive the information of the affiliated store and to accumulate points for the customer.

Point earning method according to another feature of the present invention,

As a method of earning points to the customer for the payment amount of the customer at the merchant that deals with the customer,

a) receiving a request for earning a customer's points from a mobile terminal; b) selecting a point company subject to the requested point accumulation; c) determining whether the mobile terminal that has requested the point accumulation is a mobile terminal of a merchant or a mobile terminal of the customer; And d) the other party from the mobile terminal requesting the point accumulation, wherein the other party is the customer if the mobile terminal requesting the point accumulation is the affiliated owner's mobile terminal, and the affiliated store if the mobile terminal is the mobile terminal of the customer. Receiving and performing the points earned in the point company selected in step b) for the customer.

Point earning system according to another feature of the present invention,

As a system for earning points to the customer for the payment amount of the customer at the merchant that deals with the customer,

An information storage unit for storing information of a plurality of self-point companies, each of the information of the plurality of self-point companies including information of a customer and information of an affiliated store; A point processing unit calculating point for the payment amount and performing point accumulation for the customer; And when a point accumulation for the customer is requested from the mobile terminal, selecting a point company to which the point is to be accumulated, and the other party from the mobile terminal, wherein the other party is the mobile terminal requesting the point accumulation. A control unit for controlling the information storage unit and the point processing unit to receive the information of the affiliated store in the case of the mobile terminal of the customer and to accumulate points at the selected point company for the customer. Includes, The control unit is connected to a plurality of external point companies located outside, If the selected point company is one of the plurality of external point companies, the customer by connecting the point earning unit and the external point company Points at the above external point company for A characterized in that it performs.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Also. When a part is said to "include" a certain component, this means that it can further include other components, except to exclude other components unless specifically stated otherwise.

Unless specifically stated in the following description of the point earning system and method according to an embodiment of the present invention, the term "point earning" is assumed to be a concept including even "point use."

1 is a view showing a schematic configuration to which the point earning system according to the first embodiment of the present invention is applied.

As shown in FIG. 1, in the point earning system according to the first embodiment of the present invention, points are earned by using a mobile terminal 100 of the affiliated store, rather than installing a dedicated terminal for each affiliated store.

The affiliated mobile terminal 100 may be a variety of mobile terminals capable of wireless communication while moving through the mobile communication network 200. For example, a mobile terminal capable of wireless data communication such as a CDMA mobile terminal or a WiBro mobile terminal may be a mobile terminal of any type of mobile communication network.

Point earning system 400 provides a point earning service that allows you to earn points of the customer using the mobile terminal 100 of the merchant attention.

The relay server 300 relays data transmission through the mobile communication network 200 for earning points between the affiliated owner's mobile terminal 100 and the point earning system 400.

Referring to FIG. 1, in the point earning system according to the first embodiment of the present invention, the customer earns points for the customer by using the affiliated owner's mobile terminal 100 when the user pays the use price at the affiliated store.

FIG. 2 is a detailed block diagram of the point earning system shown in FIG. 1.

As shown in FIG. 2, the point earning system 400 according to the first embodiment of the present invention includes an interface unit 410, an information storage unit 420, a mobile web providing unit 430, and an affiliated store authentication unit 440. ), The point earning unit 450, SMS (Short Message Service) message sending unit 460 and the control unit 470.

The interface unit 410 performs an interface to the relay server 300 to enable data transfer between the affiliated owner's mobile terminal 100 and the point earning system 400.

The information storage unit 420 stores a variety of information used for earning points of the customer. This information includes merchant information and customer information as a member of the point earning service.

The mobile web providing unit 430 interfaces mobile web information for executing point accumulation using the affiliated owner's mobile terminal 100 according to the point earning request received from the affiliated owner's mobile terminal 100 through the interface unit 410. Through the unit 410 is provided to the affiliated owner's mobile terminal (100).

The affiliated store owner authentication unit 440 performs authentication of the affiliated owner requesting the point accumulation from the mobile terminal 100 through the interface unit 410. In this case, the affiliated store owner authentication unit 440 performs authentication of the affiliated store owner using the affiliated store information stored in the information storage unit 420.

The point earning unit 450 calculates the points to be accumulated for the member using the affiliate store information and the member information stored in the information storage unit 420 when the point is requested to be accumulated through the mobile terminal 100, and calculates the calculated points. The information storage unit 420 is stored.

The SMS message sending unit 460 sends an SMS message including the points-related contents to the affiliated store's mobile terminal 100 and the member's mobile terminal when the requested point accumulation is completed through the mobile terminal 100.

The controller 470 controls the interface unit 410, the information storage unit 420, the mobile web providing unit 430, the merchant owner authentication unit 440, the point earning unit 450, and the SMS message sending unit 460. By receiving a request for earning points through the affiliated owner's mobile terminal 100, points are earned for the member.

Meanwhile, the information storage unit 420 includes a merchant information database (DB) 421 and a member information database 423.

The affiliated store information database 421 stores affiliated store related information used for earning members' points. For example, as illustrated in FIG. 3, the affiliated store information database 421a, the store owner's mobile terminal number 421b, and the password ( 421c, point calculation ratio 421d, and the like. In addition, if there is information necessary for earning points may be additionally stored.

The affiliated store information 421a is information associated with an affiliated store that has subscribed to a point earning service, and includes information such as merchants' names, affiliated store locations, affiliated store contacts, and affiliate start dates.

The store owner mobile terminal number 421b is a number of the mobile terminal 100 owned by the affiliate store owner, and corresponds to the mobile terminal 100 used for earning points according to the first embodiment of the present invention. One or more store owner mobile terminal numbers 421b may be stored according to convenience of point accumulation and use of various mobile communication networks.

The password 421c is a password previously input from the affiliated store owner to authenticate the affiliated store owner when the point is accumulated.

The point calculation ratio 421d is used to calculate different points for each merchant for the same payment price, and may be calculated and determined according to the performance or size of the merchant. In addition, the point calculation ratio 421d may be a fixed value. In this case, the point calculation ratio 421d may not be stored for each affiliate.

Next, the member information database 423 stores member related information used for earning members' points. For example, as shown in FIG. 4, the member information 423a, the member mobile terminal number 423b, Stores information such as earn points 423c. In addition, if there is information necessary for earning points may be additionally stored.

The member information 423a is information related to a customer who has registered as a member in the point earning service and includes information such as a member name, member resident number, member address, member contact information, member membership, and the like.

The member mobile terminal number 423b is a number of mobile terminals owned by the member, and points according to the first embodiment of the present invention are accumulated in correspondence with the member mobile terminal number 423b.

The earned point 423c is the final point information for accumulating the points generated by the merchant dealing with the member.

Hereinafter, a method of accumulating points according to the first embodiment of the present invention will be described with reference to FIG. 5.

First, when a transaction occurs that is a target of earning points between a merchant and a member, when the member reveals the intention to earn points to the merchant, the owner of the present invention uses his mobile terminal 100 that can use the points earning service. Internet access is made to a specific number to receive the point earning service according to the example. Then, a point earning request is received to the point earning system 400 through the mobile communication network 200 and the relay server 300 providing a mobile communication service for the mobile terminal (S100). The point earning request is received by the controller 470 through the interface unit 410 of the point earning system 400. Here, the specific number to access in order to receive the point earning service in the affiliated mobile terminal 100 may be a variety of combinations, for example, when pressing the "82 # 1 access key" continuously in the first embodiment of the present invention According to an example, the user can access the point earning service.

As such, if there is a request for earning points from the affiliated owner's mobile terminal 100, the controller 470 of the point earning system 400 checks whether the affiliated merchant requesting the point earner is an affiliated member for the point earning service (S110). ). To this end, the control unit 470 checks whether the phone number of the affiliated owner's mobile terminal 100 that has requested the point accumulation is stored in the affiliate store information database 421 of the information storage unit 420. More specifically, it is checked whether there is a phone number of the mobile terminal 100 of the affiliated store owner who has requested a point accumulation among the phone numbers stored in the store mobile terminal number 421b information of the merchant information database 421.

If the phone number of the affiliated owner's mobile terminal 100 is in the affiliated store information database 421, since the affiliated store has been confirmed to subscribe to the point earning service, the next controller 470 for the affiliated store owner through the affiliated store owner authentication unit 440. In order to perform authentication, the affiliated owner's mobile terminal 100 requests and receives the merchant's password input (S120). Specifically, the control unit 470, the merchant owner authentication unit 440 through the interface unit 410 and the relay server 300 to the merchant owner's mobile terminal 100 enters the password preset by the merchant owner for points earning service In response thereto, a password is received from the affiliated owner's mobile terminal 100 through the relay server 300 and the interface unit 410. Here, the web service provided to the mobile terminal 100 to request and receive a password from the affiliated mobile terminal 100 is provided by the controller 470 through the mobile web providing unit 430.

Next, when the password is received, the merchant checks whether the received password matches the password stored in the affiliate store information database 421 for the affiliated store verified in step S110 and performs affiliate store owner authentication (S130). That is, when the password input from the affiliated owner's mobile terminal 100 and the password 421c stored in the affiliated store information database 421 match, the affiliated store owner authentication unit 440 indicates that the affiliated store owner has successfully authenticated to the controller 470. Notify.

On the other hand, the phone number of the affiliated owner's mobile terminal 100 in the step (S110) is not in the merchant information database 421, or the password and the merchant information database (entered from the merchant's mobile terminal 100 in the step (S130) ( If the password stored in 421 does not match, the procedure for the point earning service is terminated.

Next, if authentication for the merchant owner is successful, the controller 470 requests and receives the phone number of the mobile terminal of the member who will earn points to the merchant owner's mobile terminal 100 (S140). This process is also similar to the above-described merchant request and reception process (S120), so a detailed description will be omitted for brevity.

Thereafter, the controller 470 checks whether the member's mobile terminal number received from the affiliated owner's mobile terminal 100 is stored in the member information database 423 of the information storage unit 420, and whether the member exists. Check (S150).

If the phone number of the member's mobile terminal received in step S140 is consistent with the member's mobile terminal number stored in the member information database 423, it is confirmed that the member to accumulate points exists. However, if the phone number of the mobile terminal of the received member does not match the mobile terminal number of the member stored in the member information database 423, the member received through the merchant terminal 100 does not exist. End point earning service. Here, in the step (S130) because the password does not match the process of verifying the merchant owner's authentication failure and in step (S150) there is no match in the phone number of the mobile terminal of the member to confirm that the member does not exist As for the process, there may be an error in entering the merchant's password and entering the member's mobile phone number, for example, repeating the input process three times (S120, S140) and the determination process (S130, S150). It is desirable to perform authentication and determination of the existence of members.

If it is determined in step S150 that there is a member to accumulate points, the controller 470 requests and receives the payment amount of the transaction from the member merchant mobile terminal 100 (S160). This process is also similar to the above-described merchant request and reception process (S120), so a detailed description will be omitted for brevity.

Next, the controller 470 accumulates the points corresponding to the payment amount received in the step S160 to the member received in the step S140 (S170). In detail, the control unit 470 transmits the payment amount received in the step S160 to the point earning unit 450 to calculate the points to be earned by the member to be credited to the member. Accordingly, the point earning unit 450 applies the point calculation ratio 421d of the affiliate store information database 421 for the affiliate store identified in step S110 to the payment amount transferred from the control unit 470 to be accumulated points. And stores the calculated points in addition to the points stored in the earned point 423c of the member information database 423 corresponding to the member identified in step S150. In other words, it accumulates in addition to previously accumulated points.

Subsequently, the controller 470 creates an SMS message indicating that the points are completed for the member, and the mobile terminal 100 of the affiliated owner's mobile terminal 100 and the member through the interface unit 410, the relay server 300, and the mobile communication network 200. Each is sent to the mobile terminal (S180).

As a result, the member points earned by the member using the affiliated owner's mobile terminal 100 is completed.

In this way, since the member stores the member's points by using the affiliated owner's mobile terminal 100, facility investment costs and operating costs for earning points do not occur as in the conventional bansa system.

In addition, it is possible to accumulate points at merchants without having a card for earning points.

On the other hand, in the above described only the process of earning the points to the member for the amount paid by the member in the member, but if the point has already been earned to the member, the process of using the earned point in the merchant is also shown in Figs. It will be readily understood by those skilled in the art when referring to the above description similar to the point earning process described with reference to 5.

However, unlike the point earning process, only the process of subtracting the points calculated by the point earning unit 450 due to the use of points from the earning points 423c of the member information database 423 is different. Of course, since the authentication of the member using the point may act as a more important factor in the process of using the point than the member's certification, the member's certification may be additionally performed along with the member's certification, but such additional configuration is earned above points It can be easily implemented by adding well-known techniques to the basic idea of the process.

On the other hand, in the above described only for earning the member's points using the merchant's mobile terminal 100, the technical scope of the present invention is not limited to this, using the mobile terminal of the customer trading in the merchant points You can earn.

Hereinafter, a point earning system and a method thereof according to a second embodiment of the present invention for enabling point earning using a mobile terminal of a customer will be described.

First, the point earning system and method according to the second embodiment of the present invention are similar to the point earning system and the method according to the first embodiment in the configuration and operation there are many similar parts to simplify the description Only the different parts will be described in detail. The same components as those in the first embodiment will be described with the same reference numerals.

6 is a diagram illustrating a schematic configuration to which a point earning system according to a second embodiment of the present invention is applied.

As shown in FIG. 6, in the point earning system according to the second embodiment of the present invention, points are earned using a mobile terminal 500 of a customer who deals with an affiliated store, and the point earning system 600 of the customer Using the mobile terminal 500 provides a point earning service that allows the customer to earn points. That is, in the point earning system according to the second embodiment of the present invention, the customer uses the mobile terminal 500 to perform the point earning for the payment price when the user pays the bill at the affiliate store.

7 is a detailed block diagram of the point earning system shown in FIG.

As shown in FIG. 7, the point earning system 600 according to the second embodiment of the present invention includes an interface unit 610, an information storage unit 620, a mobile web providing unit 630, and a member verification unit 640. ), The point earning unit 650, SMS message sending unit 660 and the control unit 670.

The interface unit 610 performs an interface to the relay server 300 to enable data transfer between the mobile terminal 500 and the point earning system 600 of the customer.

The information storage unit 620 stores various kinds of information used for earning points of customers (hereinafter referred to as "members") who have subscribed to the point earning service according to the second embodiment of the present invention. This information includes merchant information and member information.

The mobile web providing unit 630 interfaces mobile web information for executing point earning using the mobile terminal 500 of the customer according to the point earning request received from the mobile terminal 500 of the customer through the interface unit 610. Provided to the mobile terminal 500 of the customer through the unit 610.

The member verification unit 640 checks whether a member of the customer who has requested a point accumulation from the mobile terminal 500 through the interface unit 610. At this time, the member confirmation unit 640 confirms whether the member using the member information stored in the information storage unit 620.

The point earning unit 650 calculates the points to be accumulated for the member by using the merchant information and the member information stored in the information storage unit 620 when the point earning is requested through the mobile terminal 500 of the customer, and is calculated The point is stored in the information storage unit 620.

The SMS message sending unit 660 sends an SMS message describing the point accumulation related information to the mobile terminal 500 and the affiliate store's mobile terminal when the requested point accumulation is completed through the mobile terminal 500 of the customer.

The controller 670 controls the interface unit 610, the information storage unit 620, the mobile web providing unit 630, the merchant owner authentication unit 640, the point earning unit 650, and the SMS message sending unit 660. By receiving a request for earning points through the mobile terminal 500 of the customer, points are earned for the member.

Meanwhile, the information storage unit 620 includes a merchant information database 621 and a member information database 623.

The affiliate store information database 621 stores affiliate store related information used for earning points of members, and as an example, as illustrated in FIG. 8, the affiliate store information 621a, the store owner's mobile terminal number 621b, and the affiliate store code. Information such as 621c and the point calculation ratio 621d is stored. In addition, if there is information necessary for earning points may be additionally stored.

Since the affiliated store information 621a, store owner mobile terminal number 621b, and point calculation ratio 621d have the same functions as described in the first embodiment of the present invention with reference to FIG. 3, the description thereof is omitted here.

The affiliated store code 621c is a code corresponding to an identifier for identifying an affiliated store subscribed to the point earning service according to the second embodiment of the present invention. This is granted if the merchant has subscribed for the point earning service and is stored in advance.

Next, the member information database 623 stores member related information used for earning the points of the member, and as an example, as shown in FIG. 4, the same configuration and function as in the first embodiment of the present invention are provided. Have That is, the member information 423a, the member mobile terminal number 423b, the earning point 423c, and the like may be used in the second embodiment of the present invention. In addition, if there is information necessary for earning points may be additionally stored.

Hereinafter, a method for accumulating points according to a second embodiment of the present invention will be described with reference to FIG. 9.

First, when a transaction that is a target of earning points between a merchant and a customer occurs, the customer indicates his or her intention to earn points to the merchant and uses his mobile terminal 500 that can use the point earning service in the second embodiment of the present invention. Internet access to a specific number to receive the points earning service. Then, the point earning request is received to the point earning system 600 through the mobile communication network 200 and the relay server 300 providing a mobile communication service for the mobile terminal (S200).

If there is a request for earning points from the mobile terminal 500 of the customer, the controller 670 of the point earning system 600 determines whether the customer who requested the point earning is a member who subscribes to the point earning service according to the second embodiment of the present invention. Check (S210). To this end, the controller 670 transmits the phone number of the mobile terminal 500 of the customer who requested the point accumulation to the member verification unit 640 through the member verification unit 640 to confirm whether the customer is a member. The confirmation unit 640 confirms whether the telephone number transmitted from the control unit 670 is stored in the member information database 623 of the information storage unit 620. More specifically, the member verification unit 640 checks whether there is a phone number of the mobile terminal 500 of the customer who requested the point accumulation among the phone numbers stored in the member mobile terminal number 423b of the member information database 623. Check it.

If the phone number of the customer's mobile terminal 500 is not in the member information database 623, the customer may not be a member, and thus may induce membership. That is, the controller 670 displays a request for intention to register to the mobile terminal 500 of the customer through the mobile web providing unit 630 (S220). It performs (S230). Here, the membership registration process for the customer is similar to the service subscription process that is generally performed, in one embodiment the control unit 670 receives the customer's member information from the mobile terminal 500 of the customer information storage unit 620 By storing in the member information database 623.

On the other hand, if the telephone number of the mobile terminal 500 of the customer in the step (S210) is confirmed in the member information database 623 or the customer is a member through the registration process in the step (S230), the control unit ( In operation 670, the client requests a code of the affiliate store to the mobile terminal 500 of the customer identified as a member in order to know the affiliate store that the customer deals with (S240).

Thereafter, the controller 670 checks whether the affiliate store code received from the mobile terminal 500 of the customer is stored in the affiliate store information database 621 of the information storage unit 620 (see FIG. S250).

If the code of the affiliated store received in step S240 matches with the affiliated store code 621c stored in the affiliated store information database 621, it is confirmed that there is an affiliated store that the customer deals with.

However, if the received merchant code does not match the merchant code 621c stored in the merchant information database 621, the merchant trading with the customer does not subscribe to the point earning service according to the second embodiment of the present invention. To end points earning service. Here, in the step (S250), since there is no coincidence of the merchant code, there may be an error in the merchant code input because there is no match between the merchant codes. For example, three input processes (S240) and a determination process It is preferable to repeat the operation (S250) to determine the existence of the merchant.

On the other hand, if it is determined in step S250 that the affiliate store exists, the controller 670 requests and receives the payment amount the customer made with the affiliate store to the mobile terminal 500 (S260).

Next, the controller 670 accumulates the points corresponding to the payment amount received in the step S260 to the member identified in the step S210 (S270). In detail, the control unit 670 transmits the payment amount received in the step S260 to the point earning unit 650 to calculate the points to be accumulated to the member to be credited to the member. Accordingly, the point earning unit 650 may be accumulated by applying a point calculation ratio 621d of the affiliate store information database 621 for the affiliate store identified in step S250 to the payment amount transferred from the controller 670. Points are calculated, and the calculated points are stored in addition to the points stored in the earned point 423c of the member information database 623 corresponding to the member identified in step S210. In other words, it accumulates in addition to previously accumulated points.

Thereafter, the controller 670 creates an SMS message indicating that the points for the member have been completed, and the member mobile terminal 500 and the affiliate store through the interface unit 610, the relay server 300, and the mobile communication network 200. Each is sent to the mobile terminal (S280). Here, the phone number of the affiliated owner's mobile terminal is a number stored in the owner's mobile terminal number 621b of the affiliated store information database 621 for the affiliated store identified in step S250.

As a result, the member points earned by the member using the mobile terminal 500 of the customer is completed.

In addition, it is possible to accumulate points at merchants without having a card for earning points.

In this way, since the member stores the member's points using the mobile terminal 500 of the customer, facility investment costs and operating costs for earning points, such as the system of the conventional bansa does not occur.

On the other hand, in the above described only the process of earning the points to the member for the amount paid by the member in the member, but if the point has already been earned to the member, the process of using the earned point in the merchant is also shown in Figure 6 to It will be easily understood by those skilled in the art when referring to the above description similar to the point earning process described with reference to FIG. 9.

Here, unlike the point earning process, only the process of subtracting the points calculated by the point earning unit 650 due to the use of the points in the earning points 423c of the member information database 623 is omitted.

As described above, in the first embodiment and the second embodiment of the present invention, only the example of accumulating points by using the mobile terminal of the merchant and the mobile terminal of the customer is described. However, the technical scope of the present invention is not limited thereto, and may be implemented to perform point accumulation for a member even if a point accumulation request comes from any mobile terminal among a mobile terminal of a merchant and a customer.

Hereinafter, a point earning system and a method thereof according to a third embodiment of the present invention will be described.

First, since the points earning system and method according to the third embodiment of the present invention are most similar in structure and operation to the points earning system and the method according to the first and second embodiments described above, they will be described. For brevity, only different parts will be described in detail. The same components as those of the first and second embodiments will be described with the same reference numerals.

10 is a view showing a schematic configuration to which the point earning system according to the third embodiment of the present invention is applied.

As shown in FIG. 10, in the point earning system according to the third embodiment of the present invention, points are earned by using an affiliated owner's mobile terminal 100 or a mobile terminal 500 of a customer who deals with an affiliated store. The earning system 700 provides a point earning service for earning a customer's points using the affiliated owner's mobile terminal 100 or the customer's mobile terminal 500. That is, in the point earning system according to the third embodiment of the present invention, when the customer pays the use price at the affiliate store, the customer can use the mobile terminal of the merchant owner 100 or his mobile terminal 500 for payment of the payment. You can earn points.

FIG. 11 is a detailed block diagram of the point earning system shown in FIG. 10.

As shown in FIG. 11, the point earning system 700 according to the third embodiment of the present invention includes an interface unit 710, an information storage unit 720, a mobile web providing unit 730, and an affiliated store owner authentication unit ( 740, a member verification unit 740, a point accumulator 750, an SMS message sender 760, and a controller 770.

The interface unit 710 includes the function of the interface unit 410 in the first embodiment of the present invention and the function of the interface unit 610 in the second embodiment of the present invention.

The information storage unit 720 stores a variety of information used for earning points of customers (hereinafter referred to as "members") who have subscribed to the point earning service according to the third embodiment of the present invention. This information includes merchant information and member information.

The mobile web providing unit 630 includes a function of the mobile web providing unit 430 in the first embodiment of the present invention and a function of the mobile web providing unit 630 in the second embodiment of the present invention.

The merchant owner authentication unit 740 performs the same function as the merchant owner authentication unit 440 in the first embodiment of the present invention.

The member verification unit 745 performs the same function as the member verification unit 640 in the second embodiment of the present invention.

The point accumulator 750 performs the same function as that of the point accumulator 450 in the first embodiment of the present invention.

The SMS message sending unit 760 also performs the same function as that of the point earning unit 450 in the first embodiment of the present invention.

The controller 770 may include an interface unit 710, an information storage unit 720, a mobile web providing unit 730, an affiliate store owner authentication unit 740, a member verification unit 745, a point earning unit 750, and an SMS message. The controller 760 controls the sending unit 760 to receive a point earning request through the affiliated owner's mobile terminal 100 or the customer's mobile terminal 500 to perform point accumulation for the member.

Meanwhile, the information storage unit 720 includes a merchant information database 721 and a member information database 723.

The merchant information database 721 stores affiliate store related information used for earning members' points. For example, as illustrated in FIG. 12, the affiliate store information 721a, the store mobile terminal number 721b, and the password ( 721c), merchant code 721d, point calculation ratio 721e and the like. In addition, if there is information necessary for earning points may be additionally stored.

The merchant information 721a, the store owner's mobile terminal number 721b, the encryption 721c, and the point calculation ratio 721e with reference to FIG. 3, the merchant information 421a and the store mobile terminal described in the first embodiment of the present invention. It has the same functions as the number 421b, the encryption 421c, and the point calculation ratio 421d. The merchant code 721d is the merchant code 621c described in the second embodiment of the present invention with reference to FIG. The description is omitted here because it has the same function.

Next, the member information database 723 stores member related information used for earning points of members, and as an example, as shown in FIG. 4, the same configuration and function as in the first embodiment of the present invention are provided. Have That is, the member information 423a, the member mobile terminal number 423b, the earning point 423c, and the like may be used in the third embodiment of the present invention. In addition, if there is information necessary for earning points may be additionally stored.

Hereinafter, a method for accumulating points according to a third embodiment of the present invention will be described with reference to FIG. 13.

First, when a transaction that is a target of earning points occurs between a merchant and a customer, the customer indicates his or her intention to earn points to the merchant and uses his mobile terminal 500 or the merchant's mobile terminal 100 that can use the point earning service. Internet access is made to a specific number to receive the point earning service according to the third embodiment of the present invention. Then, the point earning request is received to the point earning system 700 through the mobile communication network 200 and the relay server 300 providing a mobile communication service for the mobile terminal (S300).

As such, when a point earning request is received, the controller 770 of the point earning system 700 confirms which of the mobile terminal 100 of the affiliated owner's mobile terminal 100 and the customer's mobile terminal 500 has been received. Only then can you proceed.

To this end, the controller 770 first checks whether the point accumulation request has been made by the affiliated owner's mobile terminal 100, and the phone street information storage unit 720 of the mobile terminal which requested the point accumulation in step S300. It is checked whether there is any telephone number stored in the store owner's mobile terminal number 721b of the affiliate store information database 721 (S310).

If the phone number of the mobile terminal requesting the point accumulation matches one of the phone numbers stored in the store owner's mobile terminal number 721b of the merchant information database 721, the point is accumulated by the merchant's mobile terminal 500. You can confirm that this is requested.

Therefore, the control unit 770 is about the following process (S320, S330, S340, S350, S360, S370, S380) to accumulate points for the member when points are requested from the affiliated mobile terminal 100 is also shown in FIG. Since the same operations as the steps S120, S130, S140, S150, S160, S170, and S180 described in the first embodiment of the present invention are described with reference to FIG. 5, the present invention described with reference to FIGS. Reference will be made to the first embodiment of the present invention, and thus those skilled in the art will readily appreciate, and thus detailed descriptions thereof will be omitted.

On the other hand, if the phone number of the mobile terminal requesting the point accumulation in step (S310) does not match the phone number stored in the store owner terminal number 721b of the merchant information database 721, the mobile terminal 500 of the affiliated store owner It is confirmed that the point accumulation is not requested by the request, but the point accumulation is requested by the mobile terminal 100 of the customer.

Therefore, the control unit 770 in the following process (S390, S400, S410, S420, S430, S360, S370, S380) to earn points for the member when the point earned from the mobile terminal 500 of the customer is requested. Also, referring to FIG. 9, the same operations as those already described in the second embodiment of the present invention (S210, S220, S230, S240, S250, S260, S270, and S280) are performed. When referring to the first embodiment of the present invention described above, those skilled in the art will be able to easily understand, and thus detailed description thereof will be omitted.

Thus, the member's point accumulation may be completed using any of the mobile terminals of the affiliated owner's mobile terminal 100 or the customer's mobile terminal 500 in the affiliated store.

In addition, it is possible to accumulate points at merchants without having a card for earning points.

In this way, since the member stores the member's points by using any one of the mobile terminal 100 of the merchant's mobile terminal 100 or the mobile terminal 500 of the customer, the facility for earning points as in the conventional bansa system. Investment costs and operating costs are not incurred.

On the other hand, in the above described only the process of earning points to the member for the amount paid by the member in the member, but if the point has already been earned to the member, the process of using the points earned in the merchant also shown in Figs. It will be readily understood by those skilled in the art when referring to the above description similar to the point earning process described with reference to 13.

Here, unlike the point earning process, only the process of subtracting the points calculated by the point earning unit 750 due to the use of the points in the earning point 423c of the member information database 723 is different.

Meanwhile, in the first, second and third embodiments of the present invention, a log record may be left in a separate database regarding a result of earning points by trading with a customer at an affiliated store.

In addition, when there is a situation in which points should be accumulated in the process of authentication of affiliates, confirmation of merchants, and the existence of members to earn points, an error message for this point is provided to the mobile terminal or the merchant terminal and the customer who requested the points. It is preferable to display to all of the mobile terminals.

On the other hand, the above has been described for the merchant owner or the customer to earn points through one specific phone number using their mobile terminal. In other words, the point earning service of the point company corresponding to one specific phone number has been described. However, it is common practice for customers to use point earning services of multiple point companies, in which case customers or merchants can receive point earning services using a specific phone number corresponding to the point company.

Therefore, in the point earning system according to the fourth embodiment of the present invention, the point earning system has a configuration for enabling point earning and use for a plurality of point companies, respectively. That is, the customer or the merchant owner can access the phone number corresponding to the point company to earn points using their mobile terminal to earn or use the points.

Hereinafter, a point earning system and a method thereof according to a fourth embodiment of the present invention will be described.

14 is a diagram illustrating a schematic configuration to which a point earning system according to a fourth embodiment of the present invention is applied.

As shown in FIG. 14, in the point earning system according to the fourth embodiment of the present invention, points are earned by using the mobile terminal 100 of the affiliated owner's mobile terminal 100 or the mobile terminal 500 of the customer who deals with the affiliated store. The earning system 800 allows the customer's points to be accumulated using the merchant's mobile terminal 100 or the client's mobile terminal 500, and at the same time the phone number accessed from the customer or the merchant's mobile terminal 100, 500. Points (900-1, 900-2…, 900-n) corresponding to the points to be earned. That is, in the point earning system according to the fourth embodiment of the present invention, when the customer pays the use price at the affiliate store, the customer accumulates points for the payment price by using any of the mobile terminal 100 or the mobile terminal 500 of the customer. It is also possible to perform the earning for the point of any point company (900-1, 900-2…, 900-n) to which the customer subscribed. Here, in addition to external point companies 900-1, 900-2, ..., 900-n, a point database may be provided in the point earning system 800 to perform point processing.

15 is a detailed block diagram of the point earning system shown in FIG.

As shown in FIG. 15, the point earning system 800 according to the fourth embodiment of the present invention includes a first interface unit 810, an information storage unit 820, a point processing unit 830, and a second interface unit ( 840 and the controller 850.

The first interface unit 810 performs the same function as that of the interface unit 710 in the third embodiment of the present invention.

The information storage unit 820 stores point earning information of its own point company to be processed in the point earning system 800. For example, when there are m own point companies in which point accumulation is processed in the point earning system 800, the information storage unit 820 may store its own point company 1 information storage unit 820-1 and its own point company 2. Information storage 820-2,... And a self-point company m information storage unit 820-m. At this time, each of the information storage unit (820-1, 820-2, ..., 820-m) points of the customer (hereinafter referred to as "member") to the point accumulation service according to the fourth embodiment of the present invention, respectively Stores a variety of information used for earning. Such information includes affiliated store information and member information, and the stored information is the same as the configuration and function of the information storage unit 720 described in the third embodiment of the present invention. However, it is provided with the number of its own point company, and only the contents stored according to the information of the affiliates and members who have subscribed to each of their own point companies. Of course, the information required for the affiliated store or member for each of its own point company is different and may further include other information items.

The point processing unit 830 calculates points corresponding to the payment price according to the request for earning points through the mobile terminal 100 or 500 of the customer or the affiliated store, and accumulates them in the information storage unit 820. The configuration of 830 includes all of the configuration of the mobile web provider 730, the merchant owner authentication unit 740, the member verification unit 750, and the SMS message sending unit 760 described in the third embodiment of the present invention. Include. Since this configuration has already been described in the third embodiment of the present invention, the description of the functions and operations of the respective components will be omitted here.

Hereinafter, a method of accumulating points according to a fourth embodiment of the present invention will be described with reference to FIG. 16.

First, when a transaction that is a target of earning points occurs between a merchant and a customer, the customer indicates his or her intention to earn points to the merchant and uses his mobile terminal 500 or the merchant's mobile terminal 100 that can use the point earning service. Internet access is made to a specific number to receive the point earning service according to the fourth embodiment of the present invention. At this time, the customer has a number of points company (820-1, 820-2, ..., 820-m) in the interior of the point earning system 800 and a number of point companies (900-1, 900-) outside 2,…, 900-n) can earn points of any one point company. To do this, the customer must access different phone numbers for each point company (820-1, 820-2, ..., 820-m, 900-1, 900-2, ..., 900-m). For example, "82 # 1" is "SK Point Company" (900-1), "79 # 43" is "KTF Point Company" (900-2), and "41 # 00" is "POSBANK Point Company" (820-1), etc., when a customer or merchant owner accesses the corresponding phone number using his mobile terminal (100, 500), the points are earned by the members of the members who are subscribed to the point company corresponding to the phone number. do.

Then, a point earning request is received to the point earning system 800 through the mobile communication network 200 and the relay server 300 providing a mobile communication service for the mobile terminal (S400).

As such, when a request for earning a point is received, the controller 850 of the point earning system 800 searches for whether the point company wishing to earn the point is free (S410). To this end, the controller 850 searches for a point company corresponding to a phone number requested to accumulate points, that is, a phone number to which a customer or affiliated owner's mobile terminal 100 or 500 is connected, and performs points accumulation. Choose a company. In the above example, if the point earning request is connected to the telephone number "41 # 00", it can be seen that the point company is "POSBANK point company" 820-1.

If the point company found in step S410 is one of its own point companies 820-1, 820-2, ..., 820-m in the point earning system 800 (S420), the controller 850 points The processor 830 accumulates the corresponding points in the information storage unit 820-1, 820-2, ..., 820-m of the corresponding point company in the information storage unit 820 (S430). Regarding the point accumulation process through the point processor 830, the steps S310, S320, S330, S340, S350, S360, S370, S380, S390, S400, S410, and S420 in the third embodiment of the present invention described above. Since it is performed by the process as described in (S430), when referring to the third embodiment of the present invention described above, the operation thereof is known, and thus description thereof will be omitted.

Therefore, the points requested by the member by the step S430 may be accumulated as points of the point company designated by the member, that is, the points of the own point company in the point processing system 800. In the above example, when a customer or a merchant owner requests a point accumulation by accessing a telephone number of "41 # 00" through his mobile terminal 100 or 500, the point accumulation system 800 representing "POSBANK point company" is displayed. Points requested to the own point company1 information processing unit 820-1 in the information storage unit 820 may be accumulated.

On the other hand, the point company found in the step (S410) is not the point company (820-1, 820-2, ..., 820-m) in the point earning system 800, but the point company (900-1, outside) If one of the 900-2, ..., 900-n (S420), the control unit 850 performs the point accumulation through the point processing unit 830, in this case, the point company (in which the information of the merchant and the member outside) 900-1, 900-2, ..., 900-n, the control unit 850 via the second interface unit 840 corresponding point companies (900-1, 900-2, ..., 900-n) ) And earns points by transmitting and receiving information (S440). That is, an external point company 900-1, 900-2, ..., 900-n connected through the second interface unit 840 instead of the information storage unit 820 used to accumulate points in its own point company. Will be used.

Therefore, the point earning process through the point processing unit 830, an external point company 900-1, 900-2, ..., 900-n connected to the second interface unit 840 instead of the information storage unit 820 In the case of replacing the server of the present invention, the steps S310, S320, S330, S340, S350, S360, S370, S380, S390, S400, S410, S420, and S430 in the third embodiment of the present invention described above. Since it is performed by the process as described in the), when referring to the third embodiment of the present invention described above, the operation thereof is known, and thus the description thereof is omitted here.

In this way, the point requested by the member in the step S440 is the point company designated by the member, that is, the point of the point company 900-1, 900-2, ..., 900-n outside the point processing system 800. Can be earned. In the above example, when the customer or the merchant owner requests to accumulate points by accessing the telephone number of "82 # 1" through his mobile terminal (100, 500), outside the point earning system 800 indicating "SK point company" Points requested to the company 900-1 of can be earned.

Accordingly, the member's point accumulation can be completed using any of the mobile terminal 100 of the merchant's mobile terminal 100 or the customer's mobile terminal 500 at the merchant, and any point company among a plurality of point companies to which the customer has subscribed. For the same merchant can easily earn points.

In addition, it is not necessary to have a plurality of cards for earning points, it is possible to earn points for a plurality of point companies at any time in a plurality of merchants.

In addition, since the member can store the member's points by using any one of the mobile terminal 100 of the merchant's mobile terminal 100 or the customer's mobile terminal 500, the facility investment cost for earning points as in the conventional bansa system And operating costs do not occur.

On the other hand, the above described only the process of earning to the member with the points of the point company specified for the amount paid by the member at the merchant, but if the member has already earned the points of a specific point company points to the point company The process of using in the merchant is also similar to the point earning process described with reference to FIGS. 14 to 16 when referring to the above description will be readily understood by those skilled in the art.

Here, unlike the point earning process, the points calculated by the point processor 830 may be used as information processing units 820-1, 820-2, ..., 820-m of the own point company, or external point companies 900-1, 900. -2, ..., 900-n) only the process of subtracting due to the use of points in any one point company is different, detailed description thereof will be omitted.

On the other hand, through the first embodiment, the second embodiment, the third embodiment and the fourth embodiment of the present invention described above, the points for the customer's payment at the affiliated store are accumulated for the corresponding customer, whereas the affiliated store is The amount of points earned for the customer must be paid to each point company. The payment of the amount corresponding to the accumulated points may be performed according to a contract with a daily, weekly, monthly or point company, and the payment of the amount may be made in the form of a small payment using the mobile terminal 100 of the merchant.

Referring to the fourth embodiment described above, when point accumulation at the affiliated store is performed for external point companies 900-1 and 900-2, each point company 900-1 and 900- at the affiliated store. The amount corresponding to the points earned to be paid to 2) is paid in the form of a small payment using the mobile terminal between the affiliated mobile terminal 100 and each point company 900-1 and 900-2. Since micropayments using mobile terminals are well known, detailed descriptions are omitted in the embodiments of the present invention.

Although the present invention has been described with reference to the most practical and preferred embodiments, the present invention is not limited to the above-described embodiments, but includes various modifications and equivalents within the scope of the following claims.

According to the present invention, facility investment costs and operating costs for earning and using points are not generated.

In addition, it is possible to accumulate points by using a mobile terminal which is mostly possessed for the convenience of life, thus making it easier to accumulate points.

In addition, by using a mobile terminal without using the system of the bansa points can be made cheaper than the conventional member authentication cost.

In addition, since one point can be accumulated for a plurality of point companies using one mobile terminal, point accumulation is activated.

Claims (40)

In the method of earning points to the customer for the payment amount of the customer at the merchant that deals with the customer, a) receiving a request for earning points of a customer from a mobile terminal of a merchant; b) performing authentication on the affiliated store owner; c) if the authentication for the merchant owner is completed successfully, performing point accumulation for the customer; And d) sending a message indicating that point accumulation for the customer is completed to the affiliated mobile terminal and the mobile terminal of the customer, respectively; Point earning method using a mobile terminal comprising a. The method of claim 1, between step a) and step b), And determining whether the affiliated owner affiliated store is authorized to perform the point accumulation using the phone number of the affiliated owner mobile terminal. The method according to claim 1 or 2, Step b), Receiving the affiliated owner's password from the affiliated owner's mobile terminal; And Performing authentication with the affiliated owner by comparing whether the received affiliated owner's password matches the stored merchant owner's password; Point earning method using a mobile terminal comprising a. The method of claim 3, Step c), i) receiving a telephone number of the mobile terminal of the customer from the mobile terminal of the affiliated owner; ii) comparing whether the received telephone number of the mobile terminal of the customer matches the telephone number of the member which is already stored; And iii) if the telephone number of the received mobile terminal of the customer in step ii) matches one of the phone numbers of the members already stored, performing point accumulation for the member. Point earning method using a mobile terminal comprising a. The method of claim 4, wherein Step iii), Receiving a payment amount from the affiliated mobile station; Calculating a point corresponding to the received payment amount; And Adding the calculated points to the points of the member and accumulating Point earning method using a mobile terminal comprising a. The method of claim 5, In the step of calculating the point, the calculated point is calculated based on the point calculation ratio that is set in advance for the affiliated store point earning method using a mobile terminal. The method of claim 5, If the point accumulation is to use points earned for the customer, step iii), Receiving a payment amount from the affiliated mobile station; Calculating a point corresponding to the received payment amount; And Crediting the calculated points by subtracting points already accumulated for the member Point earning method using a mobile terminal comprising a. In the system that stores a point for the customer's payment amount to the customer in the merchant that deals with the customer, An information storage unit for storing information of a customer and information of an affiliated store; An affiliated store owner authentication unit configured to authenticate the affiliated store owner of the affiliated store; A point accumulator for calculating points for the payment amount and performing point accumulation for the customer; And Control unit for performing the point earning for the customer by controlling the information storage unit, the affiliated store owner authentication unit and the point accumulator to earn points for the customer requested from the affiliated owner's mobile terminal Point earning system using a mobile terminal comprising a. The method of claim 8, Under the control of the controller, when the point accumulation for the customer is completed by the point accumulator, a message indicating that the point accumulation for the customer is completed is sent to the mobile terminal of the affiliated owner and the mobile terminal of the customer, respectively. Point earning system using a mobile terminal further comprising a message sending unit. The method according to claim 8 or 9, The information storage unit, An affiliated store information database for storing the affiliated store information, the affiliated store's mobile terminal number information, the affiliated store's encryption information, and the affiliated store's point calculation ratio information; And Member information database for storing the customer's information, the mobile terminal number information of the customer, the earning point information of the customer Point earning system using a mobile terminal comprising a. The method of claim 10, The affiliated store owner authentication unit determines that the authentication for the affiliated store owner is successful when the password received from the mobile terminal of the affiliated store owner requesting the point accumulation matches the password stored in the affiliated store information database of the information storage unit. Point earning system using a mobile terminal. The method of claim 10, The point accumulating unit stores the points calculated on the basis of the point calculation rate stored in the affiliate store information database of the information storage unit with respect to the payment amount received from the mobile terminal of the affiliate store owner; Point earning system using a mobile terminal, characterized in that the storage in addition to the information. The method of claim 10, If the point accumulation is to use points earned for the customer, the point accumulation unit based on the point calculation rate stored in the affiliated store information database of the information storage unit for the payment amount received from the affiliated owner's mobile terminal Point earning system using a mobile terminal, characterized in that for storing the calculated points by subtracting from the earned point information stored in the member information database of the information storage unit. In the method of earning points to the customer for the payment amount of the customer at the merchant that deals with the customer, a) receiving a request for earning points of the customer from the mobile terminal of the customer; b) determining whether the customer is a member capable of earning points; c) if it is determined that the customer is a member, performing point accumulation on the payment amount for the customer; And d) sending a message indicating that point accumulation for the customer is completed to the affiliated mobile terminal and the mobile terminal of the customer, respectively; Point earning method using a mobile terminal comprising a. The method according to claim 14, Step c), i) receiving a code of the affiliate store from the mobile terminal of the customer; ii) comparing whether the code of the received merchant matches a code of the merchant that is already stored; And iii) in the step ii), if the received code of the affiliated store matches one of the codes of the already stored merchants, performing point accumulation to the customer for the payment price settled at the affiliated store; Point earning method using a mobile terminal comprising a. The method of claim 15, Step iii), Receiving a payment amount from the mobile terminal of the customer; Calculating a point corresponding to the received payment amount; And Adding the calculated points to the points of the member and accumulating Point earning method using a mobile terminal comprising a. The method of claim 16, In the step of calculating the point, the calculated point is calculated based on the point calculation ratio that is set in advance for the affiliated store point earning method using a mobile terminal. The method according to any one of claims 14 to 17, And b) determining whether the customer is a member authorized to perform point accumulation using the telephone number of the customer's mobile terminal in step b). The method of claim 15, If the point accumulation is to use points earned for the customer, step iii), Receiving a payment amount from the mobile terminal of the customer; Calculating a point corresponding to the received payment amount; And Crediting the calculated points by subtracting points already accumulated for the member Point earning method using a mobile terminal comprising a. In the system that stores a point for the customer's payment amount to the customer in the merchant that deals with the customer, An information storage unit for storing information of a customer and information of an affiliated store; Member identification unit for checking whether the customer is a member that can earn points; A point accumulator for calculating points for the payment amount and performing point accumulation for the customer; And Control unit for performing the point accumulation for the customer by controlling the information storage unit, the member verification unit and the point accumulator to earn points for the customer requested from the mobile terminal of the customer Point earning system using a mobile terminal comprising a. The method of claim 20, Under the control of the controller, when the point accumulation for the customer is completed by the point accumulator, a message indicating that the point accumulation for the customer is completed is sent to the mobile terminal of the affiliated owner and the mobile terminal of the customer, respectively. Point earning system using a mobile terminal further comprising a message sending unit. The method of claim 20 or 21, The information storage unit, An affiliated store information database for storing the affiliated store information, the affiliated store's mobile terminal number information, the affiliated store code information, and the affiliated store's point calculation ratio information; And Member information database for storing the customer's information, the mobile terminal number information of the customer, the earning point information of the customer Point earning system using a mobile terminal comprising a. The method of claim 22, The member verification unit confirms that the customer is a member when the telephone number of the mobile terminal of the customer who requested the point accumulation matches the mobile terminal number information of the customer stored in the member information database of the information storage unit. Point earning system using a mobile terminal. The method of claim 22, The point accumulating unit stores the points calculated based on a point calculation rate stored in the affiliate store information database of the information storage unit with respect to the payment amount received from the mobile terminal of the customer, and the accumulated points stored in the member information database of the information storage unit. Point earning system using a mobile terminal, characterized in that the storage in addition to the information. The method of claim 22, If the point accumulation is to use points earned for the customer, the point accumulation unit based on the point calculation rate stored in the merchant information database of the information storage unit for the payment amount received from the mobile terminal of the customer Point earning system using a mobile terminal, characterized in that for storing the calculated points by subtracting from the earned point information stored in the member information database of the information storage unit. In the method of earning points to the customer for the payment amount of the customer at the merchant that deals with the customer, a) receiving a request for earning points of a customer from a mobile terminal; b) determining whether the mobile terminal requesting the point accumulation is a mobile terminal of a merchant or a mobile terminal of the customer; And c) the other party from the mobile terminal requesting the point accumulation, wherein the other party is the customer if the mobile terminal requesting the point accumulation is the affiliated owner's mobile terminal, and the affiliated store if the mobile terminal of the customer is the mobile terminal; Receiving and performing point accumulation for the customer Point earning method using a mobile terminal comprising a. The method of claim 26, C) if the mobile terminal that has requested the point accumulation is the affiliated owner's mobile terminal, Performing authentication on the affiliated store owner; When the authentication for the affiliated store owner is completed successfully, performing point accumulation for the customer; And Sending a message indicating that point accumulation for the customer is completed to the affiliated owner's mobile terminal and the customer's mobile terminal, respectively; Point earning method using a mobile terminal comprising a. The method of claim 26, C) if the mobile terminal requesting the point accumulation is the mobile terminal of the customer; Determining whether the customer is a member capable of earning points; If it is determined that the customer is a member, performing point accumulation on the payment amount for the customer; And Sending a message indicating that point accumulation for the customer is completed to the affiliated owner's mobile terminal and the customer's mobile terminal, respectively; Point earning method using a mobile terminal comprising a. In the system that stores a point for the customer's payment amount to the customer in the merchant that deals with the customer, An information storage unit for storing information of a customer and information of an affiliated store; A point accumulator for calculating points for the payment amount and performing point accumulation for the customer; And When the point accumulation request for the customer from the mobile terminal is requested, the other party from the mobile terminal-where the other party is the customer if the mobile terminal requesting the point accumulation is the mobile terminal of the affiliated store owner is the mobile terminal of the customer The control unit for controlling the information storage unit and the point accumulator in order to receive the information of the affiliated store-to earn points for the customer Point earning system using a mobile terminal comprising a. The method of claim 29, Further comprising an affiliated store owner authentication unit for performing authentication for the affiliated store owner under the control of the controller, When the mobile terminal requesting the point accumulation is the affiliated owner's mobile terminal, after performing authentication for the affiliated owner through the affiliated owner certification unit, performing point accumulation for the customer Point earning system using a mobile terminal, characterized in that. The method of claim 29, Further comprising a member confirmation unit for checking whether the customer is a member that can earn points under the control of the controller, When the mobile terminal requesting the point accumulation is the mobile terminal of the customer, after confirming that the customer is a member through the member verification unit, performing point accumulation for the customer Point earning system using a mobile terminal, characterized in that. In the method of earning points to the customer for the payment amount of the customer at the merchant that deals with the customer, a) receiving a request for earning a customer's points from a mobile terminal; b) selecting a point company subject to the requested point accumulation; c) determining whether the mobile terminal that has requested the point accumulation is a mobile terminal of a merchant or a mobile terminal of the customer; And d) the other party from the mobile terminal requesting the point accumulation, wherein the other party is the customer if the mobile terminal requesting the point accumulation is the affiliated owner's mobile terminal, and the affiliated store if the mobile terminal of the customer is the mobile terminal; Receiving and performing point accumulation at the point company selected in step b) for the customer; Point earning method using a mobile terminal comprising a. 33. The method of claim 32, The telephone numbers which can be connected to each of a plurality of point companies are given in advance, In the step b), the point earning method using a mobile terminal, characterized in that in step a) the mobile terminal selects a point company from the plurality of point companies based on the phone number for access points . The method of claim 33, wherein The step d) when the mobile terminal requesting the point accumulation is the affiliated owner's mobile terminal, Performing authentication on the affiliated store owner; If the authentication for the affiliated store owner is completed successfully, performing point accumulation at the point company selected in step b) for the customer; And Sending a message indicating that point accumulation for the customer is completed to the affiliated owner's mobile terminal and the customer's mobile terminal, respectively; Point earning method using a mobile terminal comprising a. The method of claim 33, wherein C) if the mobile terminal requesting the point accumulation is the mobile terminal of the customer; Determining whether the customer is a member capable of earning points; If it is determined that the customer is a member, performing point accumulation at the point company selected in step b) for the customer; And Sending a message indicating that point accumulation for the customer is completed to the affiliated owner's mobile terminal and the customer's mobile terminal, respectively; Point earning method using a mobile terminal comprising a. In the system that stores a point for the customer's payment amount to the customer in the merchant that deals with the customer, An information storage unit for storing information of a plurality of own point companies, wherein the information of the plurality of own point companies each includes information of a customer and information of an affiliated store; A point processing unit calculating point for the payment amount and performing point accumulation for the customer; And When a point earning point for the customer is requested from a mobile terminal, the point company to which the point is to be accumulated is selected, and the other party from the mobile terminal, where the other party is the mobile terminal requesting the point accumulation is the mobile terminal of the affiliated store. A control unit for controlling the information storage unit and the point processing unit to receive the information of the affiliated store in the case of the customer and the mobile terminal of the customer and to accumulate points at the selected point company for the customer; Including; The controller is connected to a plurality of external point companies located outside, and when the selected point company is one of the plurality of external point companies, by connecting the point earning unit and the external point company to the external to the customer To earn points from a point company Point earning system using a mobile terminal, characterized in that. The method of claim 36, Telephone numbers which can be connected to the plurality of own point companies and the plurality of external point companies are respectively given in advance, The controller selects one point company from among the plurality of own point companies and the plurality of external point companies based on the phone number of the mobile terminal requesting the point accumulation. Point earning system using a mobile terminal, characterized in that. The method of claim 36 or 37, When the mobile terminal requesting the point accumulation is the affiliated owner's mobile terminal, the controller performs authentication for the affiliated owner and then performs point accumulation at the selected point company for the customer. Point earning system using a mobile terminal, characterized in that. The method of claim 36 or 37, When the mobile terminal requesting the point accumulation is the mobile terminal of the customer, the controller confirms that the customer is a member and performs point accumulation at the selected point company for the customer. Point earning system using a mobile terminal, characterized in that. The method of claim 36 or 37, Point earning system using a mobile terminal, characterized in that the merchant pays the amount to be paid to the point company corresponding to the accumulated points to the point company by a small amount of payment using the merchant terminal.

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