KR20090085495A - Method for saving and utilizing a small change - Google Patents

Abstract

A method for accumulating and utilizing small changes of transactions is provided to reduce waste of human power consumed when a seller prepares changes and gives the changes to a purchaser. When a customer wants to provide an unregistered card which can charge a price amount corresponding to the corresponding changes, a POS(Point Of Sale) terminal performs change accumulation of the corresponding unregistered card(S3). The POS terminal pays the unregistered card to the customer(S4). The customer uses a reserve of purchase price and accumulates an additional change by using the unregistered card(S5).

Description

How to Earn and Use Change in Commerce {METHOD FOR SAVING AND UTILIZING A SMALL CHANGE}

The present invention relates to a method of accumulating and utilizing change in commerce, issuing a bearer change card corresponding to the change to the buyer for the change caused by the consumer's buying behavior in the spot or service market, and at the request of the buyer The present invention relates to a method of earning and utilizing change in commerce that converts an anonymous change card into a named earning card so that it can be utilized in various ways, such as cashing a reserve, purchasing an item, using an online point, paying a transportation fee, and donating.

Conventionally, by selecting a product or service sold by a seller and paying a transaction amount corresponding thereto, the purchase relationship is completed. Thereafter, a general type of transaction is performed by a direct delivery service by a seller, a direct receipt of a buyer, or a delivery of a purchased item through a professional delivery company. On the other hand, in the conventional transaction type, when there is a payment using cash or check exceeding the purchase price, the seller refunds the change of the purchase price to the buyer for the settlement of the transaction price, and generally, By exchanging real coins such as 10 won, 50 won, 100 won, and 500 won, the change of money is refunded and settlement of the transaction relationship is made.

When a customer purchases a product or service in a general store or a store and pays with cash or paper vouchers, the change is incurred, and the store must pay the customer with a change such as a coin. To do this, the store must invest money and manpower before opening every day to secure the change, including a certain number of coins. In addition, the store side spends a certain amount of time in the process of paying change by cashier by cashier for each transaction. Opportunity cost losses occur, including the possibility of a diminished opportunity.

On the other hand, when a customer receives a change such as a coin as change, it is inconvenient to possess and cumbersome to use, so the utility value as cash becomes negative than the face value.

The present invention has been made in order to solve the above problems, (a) when a change in the payment of the customer who purchased the goods in the mart occurs and if the customer wants to earn a change, the POS terminal in the mart of the generated change Transmitting the amount and the unique number of the bearer card to be paid to the service operation server to perform change of the bearer card; (b) offsetting the payment amount using the accumulated amount by transferring the unique number of the bearer card presented by the customer to the service operation server when the customer pays for the purchase of the item at the mart; (c) when the customer having the bearer card accesses the service operation server and requests a change of name, the service operation server renames the bearer card to the bearer card; (d) If the customer holding the name card presents the corresponding name card at the time of purchase, the POS terminal transmits the unique number of the name card to the service operation server, so that the additional accumulation of change through the name card or the reserve of the name card Performing offsetting of the purchase price; And (e) at least one of the cash withdrawal, cash deposit, bank transfer, or cash donation by using the credits accumulated by the customer possessing the named or anonymous card; Characterized in that it comprises a.

Preferably, the step (a) comprises the steps of: requesting to open an account by transmitting the unique number of the bearer card provided with the POS terminal and the amount of change information to be paid to the service operation server; The service operation server receiving the unique number of the bearer card to be issued and the amount of change to be paid from the POS terminal of the store opens a virtual account matching the card unique number in the account management DB and sets the change in the corresponding virtual account. Earning an amount to perform an account opening; And notifying the corresponding POS terminal of the completion of the requested account opening by the service operation server. Characterized in that it comprises a.

More preferably, the bearer card may be issued to a plurality of persons.

More preferably, the step (b), the POS terminal transmits the unique number information of the bearer card presented from the customer to the service operation server to request the accumulation amount inquiry; The service operation server, which receives the unique number of the bearer card, which wishes to make a small payment through the card reserves, from the POS terminal of the store, searches the account management DB, extracts the virtual account that matches the bearer card, and the current reserve accumulated in the account. Notifying the POS terminal of the information; If the POS terminal that has received the reserve information of the bearer card account has a small payment amount that the current customer requires to pay with the bearer card, it is less than the current reserve accumulated in the bearer's account. Processing the card payment and notifying the service operation server of the payment amount information through the corresponding bearer card together with the card unique number; A service operation server receiving the use amount of the small amount of payment through the card reserve and the card unique number from the POS terminal of the store, searching the account management DB and offsetting the use amount in the virtual account matching the bearer card; Notifying, by the service operation server, a POS terminal of a result of offsetting normal processing; Characterized in that it comprises a.

More preferably, the step (d), the POS terminal transmits the unique number information of the name card presented from the customer to the service operation server to request the accumulation amount inquiry; The service operation server, which receives the unique number of the name card from the POS terminal of the store, wishing to make a small payment through the card reserve, searches the account management DB, extracts the virtual account matching the corresponding name card, and stores the current reserve accumulated in the account. Notifying the POS terminal of the information; The POS terminal receiving the credit card information of the named card account registers the small amount of the payment if the current amount required by the customer to pay with the name card is less than the current amount accumulated in the account of the named card. Processing the card payment and notifying the service operation server of the payment amount information through the corresponding name card together with the card unique number; Offsetting the amount of use in a virtual account matching the name card by searching the account management DB by the service operation server receiving the use amount of the small amount of payment through the card reserve and the card unique number from the POS terminal of the store; Notifying, by the service operation server, a POS terminal of a result of offsetting normal processing; Characterized in that it comprises a.

More preferably, the step (c) may include the step of requesting a name card changeover by accessing the service operation server by a customer who has received the bearer card using his computer; Receiving, by the service operation server, a unique number of an anonymous card transmitted from a computer of the customer, real name information of the customer, and password information necessary for using the card; And registering, by the service operation server, the real name information and the password information of the customer in the account management DB by matching the virtual account of the bearer card; Characterized in that it comprises a.

More preferably, in the step (c), if the name switching request customer wants to change the integrated name, the service operation server additionally receives the unique number of the other bearer card to which the integrated name is switched and the other bearer to switch to the integrated named. Incorporating the credits of the card into the virtual account to be renamed; It characterized in that it further comprises.

More preferably, in the step (d), when the customer presents the name card when the change occurs due to the purchase of the customer's goods, the POS terminal determines the unique number of the corresponding name card and the current payment to the name card customer. Transmitting amount information to the service operation server; The service operation server receiving the unique number of the name card to accumulate change and the amount of change to be paid from the POS terminal of the store uses the unique number of the corresponding name card in the account management DB to manage the virtual account of the name card. Extracting and adding an amount of change to the virtual account to perform an additional accumulation of change; And notifying the POS terminal of the completion of additional accumulation of the requested change by the service operation server. Characterized in that it comprises a.

More preferably, the step (e), when the customer wants to withdraw cash using his name card, ATM provided in the mart recognizes the customer's name card and transmits to the service operation server; The service operation server receiving the unique number of the name card from the ATM extracts the virtual account of the corresponding name card using the unique number of the corresponding name card in the account management DB and checks the amount of possible withdrawal of the corresponding virtual account. Transmitting the reserve information to the ATM; The ATM receiving the withdrawable reserve information, transmitting the withdrawal request amount information and the customer's password information input from the customer according to the withdrawable reserve amount to the service operation server; Receiving a withdrawal request amount information and a card password, performing a customer authentication using the corresponding card password, and offsetting the withdrawal request amount from a virtual account of the named card; And notifying the ATM of the withdrawal permission by the service operation server and storing the transaction details in the account management DB. Characterized in that it comprises a.

More preferably, the step (e) is, when the customer wants to deposit cash using his or her name card, the ATM provided in the mart recognizes the customer's name card and the customer's deposit information information and the customer's money to be deposited Transmitting the password to the service operation server; The service operation server that receives the card's unique number, the customer's bill payment amount information, and the card password for customer authentication at the ATM performs customer authentication using the corresponding card password, and additionally accumulates the deposit amount in the virtual account of the named card. Depositing; And notifying, by the service operation server, that the deposit is completed and storing the transaction details in an account management DB. Characterized in that it comprises a.

More preferably, the step (e) is, when the customer wants to transfer the account using his or her name card, the ATM provided in the mart recognizes the customer's name card and transfers to the bank account and the target bank account entered from the customer Receiving information on the amount together with a password of a customer and transmitting the received information to the service operation server; A service operation server which receives the card's unique number and transfer information and a card password for customer authentication at the ATM, performs customer authentication using the corresponding card password, and checks an account balance by searching a virtual account of the named card; Transmitting, by the service operation server, transfer information including a transfer amount and a transfer target account to another bank server requested for transfer; And notifying the ATM of the completion of the transfer by the service operation server and storing the transaction details in the account management DB. It characterized in that it comprises a.

More preferably, in the step (e), when the customer wants to deposit cash using his or her name or bearer card, the coin deposit machine provided in the mart recognizes the customer's name card and deposits the amount of coins to be deposited by the customer. Transmitting the information and the customer password to the service operation server; The service operation server receiving the unique number of the card, the customer's deposit amount information and the card password for customer authentication from the coin deposit machine performs the customer authentication using the corresponding card password and accumulates the deposit amount in the virtual account of the named card. Depositing by; And notifying, by the service operation server, that the deposit has been completed and storing the transaction details in the account management DB. Characterized in that it comprises a.

More preferably, in the step (e), when the customer wants to donate the reserve using his or her name or bearer card, the coin deposit machine provided in the mart recognizes the customer's name card and according to the customer's intention to donate Transmitting a unique number of a card to the service operation server; The service operation server receiving the unique number of the card in the coin depositor extracts the virtual account of the corresponding customer card using the unique number of the corresponding name or the bearer card in the account management DB, and checks the amount of possible contributions of the corresponding virtual account. Transmitting donable reserve information to the coin depositor; The coin deposit machine that received the donation amount information that can be donated presents the possible donation amount to the customer, receives the donation desired amount and the desired donation destination from the customer, and sends the customer's card unique number, donation information and donation information to the service operation server. Transmitting with; Transmitting, by the service operation server, donation information including a donation amount to a donation destination server requested for donation from a customer to perform an account transfer; And notifying, by the service operation server, the completion of donation to the coin depositor and storing the transaction details in the account management DB. Characterized in that it comprises a.

More preferably, the coin depositing step of outputting the details according to the completion of the donation history statement; It characterized in that it further comprises.

More preferably, in addition to the accumulated amount of the existing virtual account at the time of donation, it is characterized by being able to immediately add to the donation amount by putting their own cash in the coin deposit machine.

The method of accumulating and utilizing change in the commerce according to the present invention has the effect of reducing the waste of manpower required for preparing the change in advance and paying to the buyer, and ensuring the store loyalty of the credit card user.

From the customer's point of view, it can be used in various ways, such as cashing reserves, purchasing goods, using online points, paying for transportation, and donating, without having to use changeable money.

In addition, the customer consumes in the spot market such as a mart, and the bearer card corresponding to the amount of change in the coin-type change that occurs according to the consumption behavior is paid to the customer at the mart, thereby causing inconvenience to the customer. It also has the effect of eliminating the need for fast customer payments at marts.

In addition, the method of earning and utilizing change in the commerce according to the present invention supports the conversion of the bearer card to the named card according to the customer's wishes, and the cashing of the reserves through the corresponding named card, distribution of coins held in the house, It can also be used in various ways, such as using the purchase price of the goods, donation to the donor, it is also effective to enable the effective use of change coins and home-owned coins.

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

Hereinafter, the present invention, the bearer change card corresponding to the change to the buyer for the change caused by the consumer's buying behavior in the spot or service market, and converts the bearer change card to the named credit card at the buyer's request It will be described as a preferred embodiment of the method of accumulating and utilizing change in commerce to enable the use of various means such as cashing of reserves, purchase of goods, use of online points, payment of transportation, donation, etc. Of course, the present invention may be variously implemented by those skilled in the art without being limited thereto or limited thereto.

1 is a diagram illustrating an information communication system to which the present invention is applied.

Referring to Figure 1, the change in the commerce change and utilization service method according to the present invention, the POS terminal 210, ATM (Automatic Teller Machine) 220 and coin deposit machine 230 of the mart where the transaction is made, and the A service operation server 100 connected to a mart to operate a service, a customer computer 300 using a web site operated by the service operation server 100, and a mart server linked to the service operation server 100 ( 410, a bank server 420, and a donation destination server 430.

In the commerce according to the present invention, the method of earning and utilizing change money uses a bearer card corresponding to the amount of change money for the coin-type change money generated by the customer in the spot market such as a mart and the consumption activity. In order to solve the inconvenience caused by the customer's coin by paying to the customer to make a quick customer payment of the mart.

In addition, the method of earning and utilizing change in the commerce according to the present invention supports the conversion of the bearer card to the named card according to the customer's wishes, and the cashing of the reserves through the corresponding named card, distribution of coins held in the house, It is possible to make effective use of change coins and household coins by enabling them to be used in various ways, such as using the purchase price of goods and donating to donors.

Referring back to FIG. 1, the service operation server 100 operates a service web page for allowing a customer to access and use a service through a customer's computer 300, and a POS terminal (at a payment window in a mart) And the process of issuing the bearer card corresponding to the change, the change accumulation process for the customer card, and payment of the purchase price through the customer card.

In addition, the service operation server 100 is connected to the ATM 220 provided in the mart to manage the customer's banknote payment and withdrawal process for the customer card, the transfer of the customer's reserve.

In addition, the service operation server 100 is connected to the coin deposit machine 230 provided in the mart to manage the customer's coin deposit process, the customer's donation and the like to the customer card.

Therefore, the service operation server 100 is a card management DB that manages the card information, including the unique number for the name card or bearer card, and account for managing the information about the virtual account generated by the card holder customer is managed change It includes a management DB, a named customer DB for managing information about each named card customer in accordance with the name change of the bearer card, and a donation management DB for managing the donation details of the customer using the card.

Here, the term "Matrah" refers to a consumption market on / offline in which coin change is generated according to a consumer, that is, a customer's buying behavior, and an offline discount mart may be representative.

And, the bearer card is a card that can accumulate the change generated in accordance with the customer's purchase behavior on the virtual account, the amount of the change in the POS terminal 210 together with the card unique number service operation server ( 100) and the approval of the opening of the virtual account will be paid to the customer.

At this time, several of these bearer cards may be issued to one customer, and there are certain restrictions on the use of the amount of money charged in the bearer card.

In other words, one bearer card will change the change generated according to the first purchase behavior, it is also possible to accumulate change generated during the subsequent purchase. In addition, for the bearer card, it is possible to accumulate coins that are not used in the house through the coin deposit machine 230 described above.

In addition, the name card is a card containing the identity information of the holder so that the change can be utilized in a variety of ways, the first change of the bearer card, the customer name card of the bearer card by accessing the service operation server 100 When the conversion is made, it is possible to deposit cash, including bills and coins, through the ATM 220 and the coin deposit machine 230 as well as accumulate change generated afterwards, and transfer and donate funds within the limits of the accumulated amount. Becomes possible.

As such, both the bearer card and the name card are the same card, and only the unique number of the card is recorded on the card.

Named or bearer customer cards issued in the form of a smart card, magnetic stripe card, punch card, surface print card, or the like, or for other purposes, are the unique number of the card. Only electronic data, embossed, punched or printed forms of IC chips, magnetic media or surfaces mounted on the card are recorded. Among them, contact cards and / or proximity cards, such as IC chips for user authentication, such as SIMs, UIMs, and USIMs, which are issued to users by mobile operators and detached from wireless terminals such as mobile phones. Smart cards, which include all types of plastic cards such as cards, and magnetic stripe cards with magnetic stripe on the surface of cards that are currently widely used, can be suitably used because they are hardly restricted by a certain memory space. Can be. Therefore, credit card, prepaid card, debit card and debit card including financial payment function, cash receipt card, telephone card, card type gift certificate, mileage card, bonus card, membership card, All cards, including student IDs, can be used as customer cards for these names or bearers.

In addition, the POS terminal 210 of the mart that reads the customer card and provides the customer with the change and use of change money, including a credit card inquiry terminal or POS terminal installed in a general store or shop, kiosk terminal Cash dispensers, automatic teller machines, transit card terminals, telematics terminals and unmanned vending machines. Although not shown in the drawing, the POS terminal 210 is connected to a Value Added Network (VAN) provider for general card transaction approval, and the Value Added Network (VAN) provider is connected to the card provider. In addition, the POS terminal is provided with a magnetic stripe card interface, a contact smart card interface according to ISO-7816, and a short-range wireless communication module to read card identification numbers recorded on customer cards such as magnetic stripe cards and smart cards. It is provided with a reading device for supporting a short-range wireless access interface that can communicate with a mobile phone or a smart card in a short distance, and is connected to the service operation server 100 through an online network.

In the above mentioned name conversion, customer authentication and transaction history protection are achieved through the customer's authorized certificate, in which the conversion of the above-mentioned bearer card to the name card, the deposit of cash including bills and coins, and the amount of the accumulated amount The transfer of funds and donations made in will be described in more detail in the following examples.

Now with reference to Figure 2 looks at the overall configuration of the change in the way of earning and utilizing services in the commerce according to the present invention.

Figure 2 is a flow chart illustrating a method of earning and utilizing change in commerce in accordance with the present invention.

First, when a customer purchases an item at a mart and pays a bill at a POS terminal 210 provided in the mart (S1), when a small change occurs to be paid at the mart (S2), the POS terminal ( In step 210), the customer determines whether the payment of the change coin is desired or the payment of the bearer card filled with the amount corresponding to the change (S3).

If the customer wishes to pay the bearer card filled with the amount corresponding to the change through the S3 step, the POS terminal 210 displays the generated change amount and the unique number of the card to be paid to the service operation server ( 100 to perform the change of the bearer of the bearer card and pay the bearer card to the customer to issue the bearer card with the amount corresponding to the change of the bearer to the customer (S4).

Accordingly, when the customer presents the bearer card at the next purchase at the mart through the bearer card issued through step S4, the POS terminal 210 operates the service of the unique number of the bearer card. Check the reserve of the bearer card by sending it to the server 100 and offset the reserve from the purchase amount to achieve the use of the reserve of the purchase price or to earn additional change, and through the coin deposit machine 230 Additional possession or donation of coins in the house is possible (S5).

The bearer card, which has a limited use for the accumulation and use of the reserve, can perform more various functions by converting it into a name card.

That is, when a customer who possesses the bearer card requests access to the service operation server 100 through his computer 300 and requests a name change (S6), the service operation server 100 requests the name change. Receiving the unique number of the bearer card transmitted from the customer computer 300 at the same time to receive the customer's real name information and password information added to the account information of the card to achieve the conversion of the name card of the bearer card (S7).

The customer who has a named card converted in this way will present the corresponding name card at the next purchase in the mart through the corresponding name card, and the POS terminal 210 displays the unique number of the name card in the service operation server 100. ), It is possible to accumulate additional change of money through the name card or offset the purchase price through the credit card. In addition, it is possible to withdraw banknotes, deposit banknotes, transfer funds to the account of the name card using the ATM 220, and additional coins or donations of house-owned coins are possible through the coin deposit machine 230. (S8).

Here, the ATM 220, which handles the bills, deposits and withdraws the banknotes, and transfers the account, and the coin deposit machine 230, where the coins are deposited by handling the coins, is installed in the store of the mart. It is good to be added to place.

Now, with reference to Figures 3 to 11, it will be described in detail with respect to the change earning and utilization service method in the commerce according to the present invention.

3 is a flowchart illustrating a process of issuing an anonymous card to which the present invention is applied.

First of all, when a change of money is generated according to a customer's purchase of a bearer card, the customer purchases an item in the mart (S11), and the customer makes a payment at the POS terminal 210 provided in the mart. When a small change occurs to be paid to the customer at the mart side (S12), the POS terminal 210 asks the customer whether to receive the return of the change as a coin or to receive it in the bearer card (S13). ).

At this time, when the customer selects the receipt method of the change money as the bearer card earning method, the POS terminal 210 transmits the unique number of the bearer card provided and the amount information of the change change to be paid to the service operation server 100. The account is requested to open (S14).

In this case, the issuance of the bearer card is basically a small amount in which the customer must receive the change in the form of a coin. However, the issue of the bearer card is performed even when the change is made to a certain amount (for example, 10,000 won). It is also possible that this is done.

Accordingly, the service operation server 100 receives the unique number of the bearer card to be issued and the amount of change to be paid from the POS terminal 210 side of the store, and the virtual account matching the card unique number to the account management DB. Open the account and accumulate the amount of change in the virtual account to open the account (S15).

After that, the service operation server 100 notifies the POS terminal 210 of the completion of the requested account opening (S16), and the POS terminal 210 receiving the completion of the account is opened in the account and a predetermined change is accumulated. By paying the bearer card to the customer, the change of credit and the card issuing process through the bearer card are completed (S17).

Such a bearer card may be issued to a plurality of persons, and since the cardholder has not been named, the transfer and transfer of the card with another person are also possible.

Next, FIG. 4 is a flowchart showing a process of using an anonymous or named card to which the present invention is applied.

Looking at the process of using the bearer or name card owned by the customer when paying for the purchase price according to the purchase of the customer's goods, the customer purchases the goods in the mart (S21), and the customer has a POS terminal (equipped with the corresponding mart) If a small payment amount is required when the payment is made in 210) (S22), the customer presents the bearer or name card he or she owned to the POS terminal 210 to request a small payment amount. It is made (S23).

In this case, the small payment amount means, for example, the amount of 500 won when 5500 won is paid for the purchase price, but it is also possible to pay the total amount of 5500 won through the deposit in the customer card as a small payment amount. .

Accordingly, the POS terminal 210 transmits the unique number information of the customer card presented from the customer to the service operation server 100 to request the accumulation amount inquiry (S24).

Through the above process, the service operation server 100 received from the POS terminal 210 side of the customer card wishing to make a small payment through the credit card credit card is searched for the account management DB is matched with the corresponding customer card Extracting the virtual account and notifies the POS terminal 210 of the current reserve information accumulated in the account (S25).

The POS terminal 210 receiving the credit card information of the corresponding customer card account, if the current payment amount of the customer requesting payment with the customer card is smaller than the current amount accumulated in the account of the current customer card, the corresponding small amount of payment The payment is processed as a customer card payment and the payment amount information through the corresponding customer card is notified to the service operation server 100 together with the card unique number (S26).

Accordingly, the service operation server 100 that receives the use amount of the small amount of payment through the card reserve and the card unique number from the POS terminal 210 of the store, searches for the account management DB in the virtual account matched with the corresponding customer card. The use amount is offset.

And the result of the normal offset processing is notified to the POS terminal 210 from the service operation server 100 (S28), the POS terminal 210 will return the corresponding customer card to the customer after checking the offset process (S29). ).

The use of the payment for the purchase using the customer card proceeds in the same manner, whether the customer card is a named card or an anonymous card.

Next, FIG. 5 is a flowchart showing a name card switching process of the anonymous card to which the present invention is applied.

Looking at the process of switching the name for the various utilization of the bearer customer card in the situation where the customer is issued a bearer card, first, the customer is connected to the service operation server 100 using his computer 300 (S31), if the request to switch the name card from the web page operated by the service operation server 100 (S32), the service operation server 100 is a unique number of the bearer card transmitted from the customer's computer (300) And, the customer's real name information (for example, customer name, social security number, electronic certificate, etc.) and password information necessary for using the card is received through the information communication network (S33).

Accordingly, the service operation server 100 performs the name conversion of the bearer customer card by registering the real name information and the password information of the received customer in the account management DB by matching the virtual account of the bearer card to register the corresponding customer card. You will be converted to a named card.

In other words, such a bearer card and a name card is a separate card is used, the same card is used.

At this time, as described above, since the bearer card of the present invention may be issued to a plurality of individuals, the plurality of bearer cards may be merged into one unified name card to add up the reserves.

In addition, since the bearer card of the present invention may be issued to each member of a family, the bearer card for each family member may be merged into one unified name card to achieve the sum of the reserves.

Therefore, the corresponding service operation server 100 asks the connected name change request customer whether to perform the integrated name change of another bearer card (S34), and if the name change request customer desires the integrated name change, the integrated name change By requesting and receiving the unique number of the Halta bearer card (S35), integrated name switching is also possible.

6 is a flowchart illustrating a process of accumulating the balance of a registered or anonymous card to which the present invention is applied.

Looking at the process of earning change through the name or bearer card owned by the customer when the change occurs due to the purchase of the customer's goods, the customer purchases the goods in the mart (S41), the customer is equipped with a POS terminal ( When the payment is made in step 210), if a small change occurs to be paid to the customer at the mart side (S42), the POS terminal 210 receives the return of the change as a coin to the customer or not to be credited to the card. Will be asked (S43).

At this time, when the customer selects the receipt method of the change money as the name card earning method, the POS terminal 210 receives the name card or bearer card presented by the customer (S44), the unique number of the name card and the corresponding name card customer The amount information of the change to be paid to the present is transmitted to the service operation server 100 (S45).

In this case, the change of the change card of the name card is basically a small amount that the customer must receive the change in the form of coins, but the present invention is not limited thereto, but the change card or bearer card occurs even if a change amount of less than a predetermined amount (for example, 10,000 won) occurs. It is also possible to earn a change of money.

Accordingly, the service management server 100 received the unique number of the registered or bearer card and the amount of change to be paid from the POS terminal 210 side of the store in the account management DB in the account management DB The virtual account of the corresponding name card is extracted using the number, and the amount of the change is added to the corresponding virtual account to further accumulate change (S46).

After that, the service operation server 100 notifies the POS terminal 210 of the completion of the additional change of the requested change (S47), and the POS terminal 210 that received the completion of the change of the current change of the registered name or By paying the bearer card to the corresponding customer, the additional accumulation process of change money through the name card or the bearer card is completed (S48).

When accumulating the change in the name card, the transaction of the name card may be achieved by adding an authentication process using a password input from the customer when the name card is registered.

7 is a flowchart illustrating a cash withdrawal process of the named card to which the present invention is applied.

When a customer looks at the process of withdrawing cash using his or her name card, when the customer needs cash in the mart (S50), the customer contacts his or her name card with the ATM 220 provided in the mart. Or recognize it in a non-contact manner (S51).

Accordingly, the ATM 220 reads the unique number of the card from the recognized customer's name card and transmits it to the service operation server 100 (S52).

The service operation server 100 receiving the unique number of the name card at the ATM 220 extracts the virtual account of the name card using the unique number of the name card in the account management DB and withdraws the reserve amount of the virtual account. Check (S53), and transfer the withdrawable reserve information to the ATM 220 (S54).

Receiving the withdrawable reserve information, the ATM 220 presents the withdrawal wish list according to the withdrawable amount to the customer through a display (S55), and selects information on the withdrawal wish list from the customer and the customer's password accordingly. Receives the information and transmits it to the service operation server 100 (S56).

In this case, the withdrawal wish list is a set of withdrawal demands (for example, 10,000 won, 20,000 won, etc.) that are presented according to the current withdrawable amount in the virtual account of the customer and selectable by the customer. Cash withdrawal is preferably made in units of 10,000 won.

The service operation server 100 receiving the withdrawal request amount and the card password of the customer at the ATM 220 performs the customer authentication using the corresponding card password and offsets the withdrawal request amount from the virtual account of the name card (S57), The withdrawal permission is notified to the ATM 220 and the transaction details are stored in the account management DB (S58).

Accordingly, the ATM 220 notified of the withdrawal permission transfers the withdrawal request amount required from the customer (S59).

Next, Figure 8 is a flow chart illustrating a cash (banknote) deposit process of the name card to which the present invention is applied.

When the customer looks at the process of depositing cash (banknotes) into his or her virtual account using his / her name card, when the customer needs to deposit a banknote into the account of the customer card in the mart (S61), the customer The ATM 220 provided in the mart recognizes its own name card in a contact or non-contact manner (S62).

Accordingly, the ATM 220 counts the bills that the customer wants to deposit, reads the unique number of the card from the recognized customer's name card, and combines the deposit amount information and the customer's password information with the service operation server 100. (S63).

The service management server 100 receiving the card's unique number, the customer's deposit amount information, and the card password for the customer authentication at the ATM 220 performs the customer authentication using the corresponding card password and the virtual account of the name card. Deposit the deposit amount to further deposit (S64), and notifies the completion of the deposit to the ATM 220 and stores the transaction details in the account management DB (S65).

Accordingly, the ATM 220 notified of the completion of the deposit informs the customer of the completion of the deposit (S66).

Next, Figure 9 is a flow chart showing the process of account transfer of the name card to which the present invention is applied.

Looking at the process of the customer to transfer the account using his or her name card, if the customer has to transfer the account with other banks for the accumulated amount of the account in the customer card in the mart (S71), the customer in the mart The ATM 220 provided to recognize the own name card in a contact or contactless manner (S72).

Accordingly, the ATM 220 reads the unique number of the card from the recognized customer's name card and receives the information related to the bank transfer and transfer amount input from the customer together with the customer's password to receive the service. Transmission to the operation server 100 (S73).

The service operation server 100 receiving the card's unique number and transfer information and the card password for customer authentication at the ATM 220 performs the customer authentication using the corresponding card password and searches the virtual account of the named card for the account. Check the balance (S74).

In addition, the service operation server 100 transmits the transfer information including the transfer amount and the transfer target account to another bank server 420 that is requested to be transferred, and performs the account transfer (S75). ) And stores the transaction history in the account management DB (S76).

Accordingly, the ATM 220 notified of the completion of the transfer of funds informs the transfer completion situation to the customer (S77).

In this case, the account transfer may be a virtual account of another name card as well as another bank account.

Next, FIG. 10 is a flowchart showing a cash (coin) deposit process of a named or anonymous card to which the present invention is applied.

Looking at the process of depositing cash (coin) in their virtual account using their name or bearer card, if the customer needs to deposit a coin in the account of the customer card in the mart (S61), The customer recognizes his or her name or bearer card in a contact or non-contact manner in the coin deposit 230 provided in the mart (S82).

Accordingly, the coin deposit machine 230 counts coins to be deposited by the customer, reads the unique number of the card from the recognized customer's name card or bearer card, together with the deposit amount information and the customer's password information according to the service. It transmits to the operation server 100 (S83).

The service operating server 100 that receives the unique number of the card, the deposit amount information of the customer and the card password for customer authentication in the coin deposit machine 230 performs the customer authentication using the corresponding card password and the virtual account of the name card. The deposit amount is further accumulated in the deposit processing (S84), and the completion of the deposit is notified to the coin deposit machine 230 and stores the transaction details in the account management DB (S85).

Accordingly, the coin deposit 230 notified of the completion of the deposit informs the customer of the completion of the deposit (S86).

Next, FIG. 11 is a flowchart illustrating a cash donation process of a named or anonymous card to which the present invention is applied.

Looking at the process of donating the reserves in the virtual account using the customer's name or bearer card, if the customer wants to donate the change of the change generated in the mart to the donor (S91), the customer is the mart The coin deposit machine 230 provided therein recognizes his or her name or bearer card in a contact or non-contact manner (S92), and selects a donation menu from the service menu to display a donation intention (S93).

Accordingly, the coin deposit 230 reads the unique number of the card from the recognized customer name or bearer card and transmits it to the service operation server 100 (S94).

The service operation server 100 receiving the unique number of the card at the coin deposit machine 230 extracts the virtual account of the corresponding customer card by using the unique number of the corresponding name or the bearer card in the account management DB of the corresponding virtual account. Check the donable reserve amount (S95), and transmits the corresponding donable reserve amount information to the coin deposit machine 230 (S96).

The coin deposit 230 that has received the contribution amount information that can be donated presents a possible donation amount to a customer through a display and the like, and receives a desired donation amount from the customer (S97).

Thereafter, the coin deposit machine 230 presents the list of donation destinations that can be donated to the customer through a display (S103), and when the donation destination of the customer is made (S104), the service operation server 100 of the corresponding customer. The card unique number, the donation destination information, and the donation amount information are transmitted to the service operation server 100 together with the customer password information (S105).

Accordingly, the service operation server 100 transmits the donation information, including the donation amount, to the donation destination server 430, which is requested to donate from the customer, to perform an account transfer, and notify the completion of the donation to the coin deposit machine 230. And the transaction details are stored in the account management DB (S106).

Accordingly, the coin deposit 230 notified of the completion of the donation informs the customer of the completion state of donation (S107).

At this time, the coin deposit machine 230 may output the details of the completion of the donation as a donation history statement and deliver it to the customer.

Here, the customer can add his own coins to the donation amount as well as the accumulated amount of the existing virtual account at the time of donation, in step S97 the coin deposit machine 230 asks whether or not to make additional coin deposits when donating (S98), according to the customer's additional deposit intention to count the coins deposited by the customer and read the unique number of the card from the customer's name card or bearer card originated by the additional coin deposit amount information and the customer's password information accordingly Transmission to the service operation server 100 (S99).

The service operation server 100 receiving the additional deposit amount information of the customer and the card password for the customer authentication in the coin deposit machine 230 performs the customer authentication using the corresponding card password and the additional deposit amount in the virtual account of the name card To further accumulate (S100), and re-establish the corresponding donable reserve information again and transmits to the coin deposit machine 230 (S101).

In addition, the coin deposit 230 that has received the contribution amount information that can be donated presents a reassigned donation amount to the customer through a display and the like, and receives a desired donation amount from the customer (S102).

On the other hand, the transaction history using the customer card of all these customers is also managed through the mart server 410.

The present invention described above is capable of various substitutions, modifications, and changes without departing from the spirit of the present invention for those skilled in the art to which the present invention pertains. It is not limited to the drawing.

1 is a diagram showing an information communication system to which the present invention is applied.

Figure 2 is a flow diagram illustrating a method of earning and utilizing change in commerce in accordance with the present invention.

Figure 3 is a flow chart showing the issuance process of the bearer card to which the present invention is applied.

4 is a flow chart showing a process of using a bearer or name card to which the present invention is applied.

5 is a flowchart showing a name card switching process of the bearer card to which the present invention is applied.

Figure 6 is a flow chart showing the balance accumulation process of the name card or bearer card to which the present invention is applied.

7 is a flowchart illustrating a cash withdrawal process of a name card to which the present invention is applied.

8 is a flow chart showing a cash (banknote) deposit process of the name card to which the present invention is applied.

9 is a flowchart illustrating a process of transferring money to a named card to which the present invention is applied.

10 is a flow chart showing a cash (coin) deposit process of a named or anonymous card to which the present invention is applied.

11 is a flow chart illustrating a cash donation process for a named or anonymous card to which the present invention is applied.

Claims (16)

(a) If a change occurs when the customer purchases the goods at the mart and the customer wishes to change the change, the POS terminal in the mart sends the amount of the change and the unique number of the bearer card to be paid to the service operation server. Transmitting to perform change of change of the bearer card; (b) When the customer pays for the purchase of the merchandise at the mart, the POS terminal transmits the unique number of the bearer card presented by the customer to the service operation server, and offsets the payment or accumulates additional change using the accumulated amount. Performing; (c) when the customer having the bearer card accesses the service operation server and requests a change of name, the service operation server renames the bearer card to the bearer card; (d) If the customer holding the name card presents the corresponding name card at the time of purchase, the POS terminal transmits the unique number of the name card to the service operation server, so that the additional accumulation of change through the name card or the reserve of the name card Performing offsetting of the purchase price; And (e) the customer holding the named or bearer card performing at least one of cash withdrawal, cash deposit, bank transfer or cash donation using pre-established reserves; How to earn and utilize service changes in commerce, characterized in that it comprises a. The method of claim 1, In step (a), Requesting to open an account by transmitting a unique number of a bearer card equipped with a POS terminal and the amount of change information to be paid to the service operation server; The service operation server receiving the unique number of the bearer card to be issued and the amount of change to be paid from the POS terminal of the store opens a virtual account matching the card unique number in the account management DB and sets the change in the corresponding virtual account. Earning an amount to perform an account opening; And Notifying, by the service operation server, the POS terminal of the completion of the requested account opening; How to earn and utilize service changes in commerce, characterized in that it comprises a. The method according to claim 1 or 2, The bearer card is a change in the commerce transaction, characterized in that it is possible to issue a plurality of cards to one person. The method of claim 1, In step (b), Transmitting, by the POS terminal, the unique number information of the bearer card presented from the customer to the service operation server to request an inquiry of the accumulated amount; The service operation server, which receives the unique number of the bearer card, which wishes to make a small payment through the card reserves, from the POS terminal of the store, searches the account management DB, extracts the virtual account that matches the bearer card, and the current reserve accumulated in the account. Notifying the POS terminal of the information; If the POS terminal that has received the reserve information of the bearer card account has a small payment amount that the current customer requires to pay with the bearer card, it is less than the current reserve accumulated in the bearer's account. Processing the card payment and notifying the service operation server of the payment amount information through the corresponding bearer card together with the card unique number; A service operation server receiving the use amount of the small amount of payment through the card reserve and the card unique number from the POS terminal of the store, searching the account management DB and offsetting the use amount in the virtual account matching the bearer card; Notifying, by the service operation server, a POS terminal of a result of offsetting normal processing; How to earn and utilize service changes in commerce, characterized in that it comprises a. The method of claim 1, In step (d), Transmitting, by the POS terminal, the unique number information of the name card presented from the customer to the service operation server to request an inquiry of the accumulated amount; The service operation server, which receives the unique number of the name card from the POS terminal of the store, wishing to make a small payment through the card reserve, searches the account management DB, extracts the virtual account matching the corresponding name card, and stores the current reserve accumulated in the account. Notifying the POS terminal of the information; The POS terminal receiving the credit card information of the named card account registers the small amount of the payment if the current amount required by the customer to pay with the name card is less than the current amount accumulated in the account of the named card. Processing the card payment and notifying the service operation server of the payment amount information through the corresponding name card together with the card unique number; Offsetting the amount of use in a virtual account matching the name card by searching the account management DB by the service operation server receiving the use amount of the small amount of payment through the card reserve and the card unique number from the POS terminal of the store; Notifying, by the service operation server, a POS terminal of a result of offsetting normal processing; How to earn and utilize service changes in commerce, characterized in that it comprises a. The method of claim 1, In step (c), Requesting a card changeover by accessing the service operation server using a computer of the customer who has received the card; Receiving, by the service operation server, a unique number of an anonymous card transmitted from a computer of the customer, real name information of the customer, and password information necessary for using the card; And Registering, by the service operation server, the real name information and the password information of the customer in the account management DB by matching the virtual account of the bearer card; How to earn and utilize service changes in commerce, characterized in that it comprises a. The method of claim 6, In step (c), Name change request request If the customer wants to change the integrated name, the service operation server receives additional unique number of the other bearer card to be converted to the integrated name conversion to integrate the accumulated amount of the other bearer card to be converted to the integrated named switch into the virtual account to be renamed step; How to earn and utilize service change in commerce, characterized in that it further comprises a. The method of claim 1, In step (b), When the customer presents the bearer card when the change occurs due to the purchase of the customer's goods, the POS terminal transmits the unique number of the bearer card and the amount of change change to be paid to the bearer card customer to the service operation server. ; The service operation server, which receives the unique number of the bearer card to change the change and the amount of change to be paid from the POS terminal of the store, uses the unique number of the bearer card in the account management DB to establish a virtual account of the bearer card. Extracting and adding an amount of change to the virtual account to perform an additional accumulation of change; And Notifying, by the service operation server, a corresponding POS terminal of completion of additional accumulation of requested change; How to earn and utilize service changes in commerce, characterized in that it comprises a. The method of claim 1, In step (d), When the customer presents the name card when the change occurs due to the purchase of the customer's goods, the POS terminal transmitting the unique number of the corresponding name card and the amount of change information currently payable to the corresponding name card customer to the service operation server; The service operation server receiving the unique number of the name card to accumulate change and the amount of change to be paid from the POS terminal of the store uses the unique number of the corresponding name card in the account management DB to manage the virtual account of the name card. Extracting and adding an amount of change to the virtual account to perform an additional accumulation of change; And Notifying, by the service operation server, a corresponding POS terminal of completion of additional accumulation of requested change; How to earn and utilize service changes in commerce, characterized in that it comprises a. The method of claim 1, In step (e), When the customer wants to withdraw cash using his or her name card, an ATM provided in the mart recognizes the customer's name card and transmits it to the service operation server; The service operation server receiving the unique number of the name card from the ATM extracts the virtual account of the corresponding name card using the unique number of the corresponding name card in the account management DB and checks the amount of possible withdrawal of the corresponding virtual account. Transmitting the reserve information to the ATM; The ATM receiving the withdrawable reserve information, transmitting the withdrawal request amount information and the customer's password information input from the customer according to the withdrawable reserve amount to the service operation server; Receiving a withdrawal request amount information and a card password, performing a customer authentication using the corresponding card password, and offsetting the withdrawal request amount from a virtual account of the named card; And The service operation server notifying the withdrawal permission of the ATM and storing the transaction details in an account management DB; How to earn and utilize the change of money in commerce, characterized in that it comprises a. The method of claim 1, In step (e), When the customer wants to deposit cash using his / her name card, the ATM provided in the mart recognizes the customer's name card and transmits it to the service operation server together with the payment amount information and the customer password of the bill to be deposited by the customer; The service operation server that receives the card's unique number, the customer's bill payment amount information, and the card password for customer authentication at the ATM performs customer authentication using the corresponding card password, and additionally accumulates the deposit amount in the virtual account of the named card. Depositing; And The service operation server notifying the completion of the deposit to the ATM and storing the transaction details in an account management DB; How to earn and utilize service changes in commerce, characterized in that it comprises a. The method of claim 1, In step (e), When the customer wants to transfer his / her account using his / her name card, the ATM in the mart recognizes the customer's name card and receives the bank account and transfer amount inputted from the customer along with the customer's password. Transmitting to the service operation server; A service operation server which receives the card's unique number and transfer information and a card password for customer authentication at the ATM, performs customer authentication using the corresponding card password, and checks an account balance by searching a virtual account of the named card; Transmitting, by the service operation server, transfer information including a transfer amount and a transfer target account to another bank server requested for transfer; And The service operation server notifying the ATM of the completion of the transfer of money and storing the transaction details in an account management DB; How to earn and utilize service changes in commerce, characterized in that it comprises a. The method of claim 1, In step (e), When the customer wants to deposit cash using his or her name or bearer card, the coin depositor in the mart recognizes the customer's name card and sends it to the service operation server along with the deposit amount information and the customer password of the coin that the customer wants to deposit. Doing; The service operation server receiving the unique number of the card, the customer's deposit amount information and the card password for customer authentication from the coin deposit machine performs the customer authentication using the corresponding card password and accumulates the deposit amount in the virtual account of the named card. Depositing by; And The service operation server notifying the coin depositor of the completion of the deposit and storing the transaction details in an account management DB; How to earn and utilize service changes in commerce, characterized in that it comprises a. The method of claim 1, In step (e), When a customer wants to donate his / her reserves using his / her name or bearer card, the coin depositor in the mart recognizes the customer's name card and sends the unique number of the card to the service operation server according to the customer's intention to donate. step; The service operation server receiving the unique number of the card in the coin depositor extracts the virtual account of the corresponding customer card using the unique number of the corresponding name or the bearer card in the account management DB, and checks the amount of possible contributions of the corresponding virtual account. Transmitting donable reserve information to the coin depositor; The coin deposit machine that received the donation amount information that can be donated presents the possible donation amount to the customer, receives the donation desired amount and the desired donation destination from the customer, and sends the customer's card unique number, donation information and donation information to the service operation server. Transmitting with; Transmitting, by the service operation server, donation information including a donation amount to a donation destination server requested for donation from a customer to perform an account transfer; And The service operation server notifying the coin deposit of completion of donation and storing the transaction details in an account management DB; How to earn and utilize service changes in commerce, characterized in that it comprises a. The method of claim 14, Outputting, by the coin depositor, details on donation completion as a donation list; How to earn and utilize service change in commerce, characterized in that it further comprises a. The method according to claim 14 or 15, The method of earning and utilizing change in commerce, characterized in that, in addition to the accumulated amount of the existing virtual account at the time of donation, it is possible to immediately add to the donation amount by injecting its own cash into the coin depositor.

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