KR20090120204A - System and method for managing preference payment integration point and recording medium - Google Patents

Abstract

PURPOSE: A system and a method for managing integrated prepaid points and a recording medium are provided to a client to use points received from a collateral firm or a member shop conveniently based on the relationship between the collateral firm and a holding financial company. CONSTITUTION: An integrated prepaid point generator(235) collects individual points which are supposed to be allocated to a client from plural financial companies, and generates integrated points. An integrated point trader uses the integrated prepaid points for an integrated point user linked with the financial companies. A point payment checker confirms the individual point payment included in the integrated point configuration.

Description

System and Method for Managing Preference Payment Integration Point and Recording Medium}

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

2 is a diagram illustrating an integrated point-to-point configuration system of a face-to-face for the integrated operation of individual points for a plurality of financial affiliates according to an embodiment of the present invention.

FIG. 3 is a diagram illustrating storing integrated points in a point operating account provided in ledger D / B provided in a DBMS on a financial system according to an exemplary embodiment of the present invention.

FIG. 4 is a diagram for storing integration point operation information in a database associated with ledger D / B provided in a DBMS on a financial system according to another embodiment of the present invention.

FIG. 5 is a diagram illustrating storing integration point operation information in an external database of a financial system according to another exemplary embodiment of the present invention.

FIG. 6 is a diagram illustrating a process of registering integration point configuration information for integrated operation of individual points of a plurality of financial affiliates in a face-to-face manner according to an embodiment of the present invention.

7 is a diagram illustrating a process of generating an integration point through point configuration information registered in a face-to-face manner according to an embodiment of the present invention.

8 is a diagram illustrating a non-face-to-face integration point configuration system for integrated operation of individual points of a plurality of financial affiliates according to another exemplary embodiment of the present invention.

FIG. 9 is a diagram illustrating storing integrated points in a point operating account provided in ledger D / B provided in a DBMS on a financial system according to an exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating storing integration point operation information in a database linked to a ledger D / B provided in a DBMS on a financial system according to another exemplary embodiment of the present invention.

FIG. 11 is a diagram illustrating storing integration point operation information in a database external to a financial system according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a process of registering integration point configuration information for integrated operation of individual points of a plurality of financial affiliates in a non-face-to-face manner according to an exemplary embodiment of the present invention.

13A and 13B illustrate a process of registering integration point configuration information for integrated operation of individual points of a plurality of financial affiliates in a non-face-to-face manner according to another exemplary embodiment of the present invention.

14 is a diagram illustrating a process of generating an integration point through point configuration information registered in a non-face-to-face manner according to an embodiment of the present invention.

15 is a diagram illustrating an integrated point operating system for integrating and operating individual points for a plurality of financial affiliates according to an embodiment of the present invention.

16A and 16B illustrate a process of integrating and operating individual points of a plurality of financial affiliates according to an exemplary embodiment of the present invention.

17 is a diagram illustrating a process of integrating and operating individual points of a plurality of financial affiliates according to another exemplary embodiment of the present invention.

18 is a diagram illustrating a settlement process of prepaid integration points invested in point investment products associated with a plurality of financial affiliates according to an embodiment of the present invention.

<Description of main parts of drawing>

100: integration point configuration server 105: integration point operation server

110: affiliated server 115: customer terminal

120: customer communication means

The present invention provides a method for operating a prepaid integration point of a plurality of financial affiliates including one or more banks, credit card companies, securities companies, and insurance companies, and includes individual points for each of the one or more affiliates to be included in the integrated point having the same money exchange rate among the plurality of financial affiliates. Receiving integration point configuration information, and the prepaid integration point having the same amount of money by collecting the individual points of one or more affiliates to be prepaid to the customer in a plurality of financial affiliates according to the integration point configuration information with equal money value Generating the integrated points by using one or more integration points associated with the plurality of financial affiliates; and various investment products operated by the respective financial affiliates (or affiliates or affiliated stores) included in the integration points. Earned goods, or included in the integration point To confirm customer approval for the loan interest to be paid to each financial affiliate (or affiliate or merchant), or for the various fees charged by each financial affiliate (or affiliate or merchant) included in the integration point; And, upon confirmation of the customer approval, using a prepaid integration point refunded in cash of a real currency unit according to the equivalent money remittance to the integration point using place, and each of one or more affiliates included in the integration point configuration information. Confirming the point payment, and when confirming the individual point payment for each affiliate, combining the individual points for each affiliate with an equal money value to generate an integrated point having equal money repayment; Prepaid Consolidation Fabric, which includes the steps of balancing and settlement points It is about how to operate Ste.

Financial companies such as banks, card companies, securities companies, insurance companies, or affiliates or franchisees of these financial companies have earned points in various forms corresponding to their transactions in order to improve customer loyalty, but customers also need to He is habitually accepting points for the vague hope of using it like cash.

However, since the individual point accumulation from the bank, card company, securities company, financial company such as insurance company, or the affiliates or merchants of the financial companies is very small, it is extremely rare to see the substantial benefits through the individual points.

In addition, since the points accumulated to the customer in the position of the bank, card company, securities company, insurance company such as insurance company, or the affiliates or merchants of the financial companies are liabilities, even if the points accumulated to each individual customer is insignificant For example, the amount of points accumulated for a certain size or more of the customers includes a considerable amount, which places a heavy burden on the accounting of the point provider.

Accordingly, the banks, credit card companies, securities companies, financial companies such as insurance companies, or affiliates or merchants of the financial companies are automatically extinguished if the points accumulated to the customer are not used for a certain period of time, thereby reducing the burden on the company. This means that the price of loyalty is extinguished from the customer's point of view.

An object of the present invention for solving the above problems, in the prepayment integration point operating system of a plurality of financial affiliates including one or more banks, card companies, securities companies, insurance companies, at least one affiliated company to prepay to customers in a plurality of financial affiliates A plurality of prepaid integration point generating means for generating prepaid integration points having the same amount of money by collecting the individual individual points at an equal refund value, and prepaid integration points refunded in cash in real money according to the equivalent money remittance; Use of integration points associated with financial affiliates- Various investment products or earned products operated by each financial affiliate (or affiliates or affiliates) included in the integration point, or each financial affiliate (or affiliate or affiliate store) included in the integration point Loan interest to be paid in Integrated point trading means used for various fees charged by financial affiliates (or affiliates or affiliated stores), point payment confirmation means for confirming individual point payments for each of one or more affiliated companies included in the integrated point configuration information, and the affiliated companies When confirming the payment of individual points for each affiliate, the integrated point generation means for generating the integrated points having the same amount of money by collecting the individual points for each of the affiliates to the equivalent cash value and the balance of the generated integration points in the prepayment integration point and processing The present invention provides a prepaid integrated point operating system including a point settlement processing means.

In the prepayment integration point operating method according to the present invention, a prepayment integration point operation method of a plurality of financial affiliates including one or more banks, card companies, securities companies, and insurance companies is included in the integration point having equal money repayment among the plurality of financial affiliates. Receiving integration point configuration information including individual points for each of the one or more affiliates to be included, and collecting the individual points for each of the one or more affiliates to be prepaid to customers in a plurality of financial affiliates according to the integration point configuration information in an equivalent cash value. Generating a prepaid integration point having an equivalent money repayment point, and using said one or more integration points associated with said plurality of financial affiliates via each customer communication means-each financial affiliate (or affiliate, or Affiliated products) Interest on loans or loans to be paid to each financial affiliate (or affiliate or merchant) included in the integration point, or various fees charged by each financial affiliate (or affiliate or merchant) included in the integration point- Confirming the customer's approval for use in the transaction, and upon confirming the customer's approval, using a prepaid integration point reimbursed in cash in real currency according to the equivalency of money at the integration point; Identifying individual point payments by at least one affiliate included in the configuration information, and when confirming the individual point payments by the affiliates, collecting the individual points by the affiliates at an equal refund value to generate an integrated point having equal refundability; and Balancing the generated integration point in the advance payment integration point Including the step of: characterized in that formed.

In the prepaid integration point operating method according to the present invention, the prepaid integration point is deposited as a minus point in the point account of the customer name, or the prepaid integration point is exchanged for cash in real currency. And depositing the prepaid integration point deposit information among the deposits of the financial account in the additional information ledger associated with the account ledger corresponding to the financial account.

The prepaid integration point operating method according to the present invention may be provided by a partner affiliated with a point investment product provided by one or more financial affiliates of the plurality of financial affiliates and one or more financial affiliates of the plurality of financial affiliates. Point investment products, characterized in that further comprising the step of checking whether the one or more products of the point investment products provided by one or more affiliates of the financial affiliates of the plurality of financial affiliates.

On the other hand, it includes a computer-readable recording medium, characterized in that the program for executing the above-described prepaid integration point operating method recorded.

Meanwhile, in the prepaid integrated point operating system according to the present invention, the prepaid integrated point operating system of a plurality of financial affiliates including one or more banks, card companies, securities companies, and insurance companies may prepay the customer to a plurality of financial affiliates. A means for generating prepaid integration points, which collects individual points of one or more affiliated companies at equal cash equivalents to generate prepaid consolidated points with equivalent money repayment; Integration point usage associated with the plurality of financial affiliates-Various investment products or accumulated products operated by each financial affiliate (or affiliates or affiliated stores) included in the integration point, or each financial affiliate (or affiliates) included in the integration point , Or the loan interest to be paid to the merchant, or to the consolidation point Integrated point trading means used for various fees charged by each financial affiliate (or affiliated company or affiliated store) included therein; and point payment checking means for confirming individual point payment for each one or more affiliated companies included in the integrated point configuration information; When the individual point payment for each affiliate is confirmed, integration point generation means for generating the integrated points having the same amount of money by collecting the individual points for each affiliate with an equal money value and balancing the generated integration points in the prepaid integration points. And a point settlement processing means for performing settlement processing.

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

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. In other words, each means constituting the present invention is a server (or terminal) provided on the system shown in the following embodiments, or a predetermined functional configuration provided in at least one or more servers (or terminals), or at least It may be an association of at least two or more functional components provided in one or more servers (or terminals). In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

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

In more detail, Figure 1 shows an integrated point having the same amount of money and the same amount of money by collecting the individual points of a plurality of financial affiliates including one or more banks, card companies, securities companies, insurance companies, etc. according to the integrated point configuration information registered by the customer Generate the prepaid integration point information corresponding to the integration point prepayment request (or the integration point prepaid policy of the integration point operator) from the customer, and the integration point information and the prepayment integration point through the customer communication unit 120 After acquiring the customer's approval for using the aggregated point information for one or more integrated point users, the integrated point information combined with the prepaid integration point information and the prepaid integration point information, which are refunded in cash according to the above equivalent money To use the integration point and use the integration point The individual points for each affiliate are renewed through the use of individual points for each affiliate, and the new points for the affiliates that are newly provided to the customer by the affiliate are collected at an equal refund value to generate a new integrated point having the same amount of money. Regarding the prepaid integration point operating system that processes the new integration point at the prepaid integration point, those skilled in the art to which the present invention pertains, refer to and / or modify this drawing 1 While various implementation methods (e.g., some components may be omitted, subdivided, or combined) for the payment integration point management system configuration may be inferred, the present invention includes all implementation methods inferred above. Technical features only by the implementation method shown in FIG. It shall not be limited.

Referring to Figure 1, the prepayment integration point operating system, at least one or more of the customer terminal 115 (or customer communication means 120) connected to the communication network, and the integration of a plurality of financial affiliates from the customer with equal money Receive integration point configuration information corresponding to individual points of one or more affiliates to be included in the points, and collect one or more individual points for each affiliate provided by a plurality of financial affiliates to customers according to the integration point configuration information in an equivalent cash value. An integrated point configuration server 100 for generating an integrated point having a money refundable function and generating prepaid integration point information corresponding to an integrated point advance payment request (or an integrated point advance payment policy of an integrated point operator) from the customer; By one or more affiliates provided to customers by multiple financial affiliates Use the integrated points generated by collecting the respective points into the equivalent money value to have the same amount of money at one or more integration point destinations associated with the plurality of financial affiliates and through the individual point usage history of the affiliates for the use of the integration points. The individual points are updated, the individual points for each of the affiliated companies newly provided to the customer by the affiliates are collected at an equal money value to generate new integrated points having equal money repayment, and the new integrated points are settled at the prepaid unified points. An integrated point operation server 105 and one or more affiliate servers 110 corresponding to individual points of one or more affiliates included in the integration point (eg, a bank server, a card company server, a securities company server, and an insurance company server connected in a holding company relationship). Characterized in that it comprises It is done.

However, in FIG. 1, the integrated point configuration server 100 and the integrated point operation server 105 are illustrated as being made of one server for convenience, but the present invention is not limited thereto. The server 100 and the integration point operation server 105 may be implemented in the form of two or more server groups for each component, or in the form of one integrated server, and the present invention includes all the inferred implementation methods. Characterized in that made.

2 is a diagram illustrating an integrated point-to-point configuration system of a face-to-face for the integrated operation of individual points of a plurality of financial affiliates according to an embodiment of the present invention.

In more detail, Figure 2 shows an integrated point configuration system through a face-to-face information registration interface, where the customer information, two or more affiliate information, and point reflection ratio information for each affiliate are integrated for the operation of the individual points of the plurality of financial affiliates. And providing the integrated point configuration information including at least one of the prepaid payment request integrated point information and the point operating account information (or the account opening application information), the two or more included in the provided integrated point configuration information in the integrated point configuration system. Check the point information for two or more affiliates that make up the point based on the affiliated company information, and the prepaid request integrated point information (or the integrated point advance payment policy of the integrated point operator) based on the confirmed affiliated point information. Prepayment corresponding to Integrated point information and prepaid integrated point information having the point information for each of two or more affiliates, the point reflection ratio information for each affiliate, and the equivalent money repayment rate according to the point reflection ratio. And a system configuration for storing the integrated point operation information including one or more point operating account information in a storage medium 255. Those skilled in the art may refer to FIG. And / or may be modified to infer various implementation methods for the integration point configuration system configuration for the integrated operation of individual points for each financial affiliate, the present invention includes all the implementation methods inferred, It is not limited only to the implementation method shown.

Hereinafter, at least one or more means for receiving and storing the integrated point configuration information provided from the customer through the face-to-face information registration interface shown in FIG. 2 on the storage medium 255 and / or Components corresponding to the functional configuration are referred to as "integration point configuration server 100" for convenience.

Referring to FIG. 2 according to an embodiment of the present invention, an integrated point configuration system for integrated operation of individual points for each of a plurality of financial affiliates includes an employee terminal 260 provided in at least one financial institution branch. Characterized in that, the employee terminal 260 is connected to the communication point and the integrated point configuration server 100 provided on the integrated point configuration system through a financial network.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch for the integrated operation of the individual points of the plurality of financial affiliates, and through the window provided at the financial institution branch (or through a teller). Fill out an application form (eg, a document having a form for filling in at least one information item for the integrated operation of individual points of a plurality of financial affiliates) for the integrated operation of the individual points of the plurality of financial affiliates. When the application is submitted to the teller, the teller enters (or selects) the information entered in the application through the employee terminal 260, and the employee terminal 260 recalls the entered (or selected) information. It is preferable to transmit to the integration point configuration server 100 provided on the integration point configuration system through a financial network.

Here, the employee terminal 260 preferably comprises a teller terminal used by the teller staff provided in the financial institution branch, the integrated point configuration server 100 connected to the employee terminal 260 is the financial system It is preferable to include a ledger server provided on the, the financial network connecting the employee terminal 260 and the integration point configuration server 100 between the employee terminal 260 and the integration point configuration server 100 It is preferable to include a conventional network connecting the communication channels.

In the integrated point configuration system as described above, an application created by the customer, a financial network connecting the employee terminal 260 and the employee terminal 260 and the integration point configuration server 100 used by the teller staff is The customer performs a function of a face-to-face information registration interface for registering integration point configuration information for the integrated operation of the individual points for each of the plurality of financial affiliates.

The storage medium 255 provided on the integrated point configuration system according to the present invention has the point information for each of the two or more affiliated companies constituting the integrated point and the customer information and the point reflection ratio information for each affiliated company and the same according to the point reflection ratio It is characterized in that the storage point 255 stores the integrated point operation information including one or more of the integrated point information, the prepaid integration point information and the point operating account information having the money.

The customer information is information for identifying common customers of the plurality of financial affiliates among customers registered with a plurality of financial affiliates including one or more banks, card companies, securities companies, and insurance companies, and the personal information (eg, name of the customer). , Social security number, address, contact information) to member information (eg, customer number, customer account) is preferably included one or more.

The point information for each of the two or more affiliates constituting the integration point is provided to the customer corresponding to the customer information in the financial affiliate corresponding to the affiliate information based on the customer information and the two or more affiliate information included in the integration point configuration information. It is preferable to include the point information obtained by converting the points for each affiliate to the equivalent cash value.

Here, the value of the equivalent money exchange value means that the value of the real money cash per unit point when the two or more affiliated points constituting the integration point in the real currency unit, the currency exchange rate to the same value.

For example, the consolidated point under the condition that the individual point 1 of the affiliate 1 has a refund value of 1 won per 100 points and the individual point 2 of the affiliate 2 has a refund value of 1 won per 10 points. If 1 has an equivalent cash value of one won per point, the individual point 1 is converted to 0.01 points and the individual point 2 is converted to 0.1 points.

The point reflection ratio information for each affiliate is equal to the integrated point among the points for each affiliate provided to the customer corresponding to the customer information by each affiliate corresponding to two or more affiliate information included in the integrated point configuration information. It is preferable to include the point reflection ratio to be collected.

For example, if the percentage of the point of reflection of the individual points 1 of the affiliated company 1 is 50%, only 50% of the points for each affiliated company provided to the customer corresponding to the customer information by the affiliated company 1 are collected at an equivalent cash value. In contrast to the integration point, the remaining 50% remains the individual point 1 of the affiliate company 1.

If the point reflection ratio of each affiliate is fixed to 100%, the point reflection ratio information of each affiliate may be omitted from the integrated point configuration information, and thus the present invention is not limited thereto.

According to the method of the present invention, when the prepaid integration point information corresponding to the prepaid request integrated point information (or the integrated point prepaid policy of the integrated point operator) is generated, the point reflection ratio information for each affiliate is It is preferable to further comprise a distribution ratio (or settlement ratio) for each affiliate with respect to the prepaid integration point information.

If the distribution ratio (or settlement ratio) for each affiliate for the advance payment integration point information is equally distributed (or distributed according to the policy of the integration point operator), the distribution ratio for each affiliate for the advance payment integration point information (Or settlement ratio) point reflection ratio information for each subsidiary may be omitted, and thus the present invention is not limited thereto.

Further, when the prepaid integration point information corresponding to the prepaid request integrated point information (or the integrated point prepaid policy of the integrated point operator) is generated, the point reflection ratio information for each affiliate is the prepaid integration point information. It is preferable that the distribution ratio (or settlement ratio) for each affiliate is further comprised of the prepayment settlement point reflecting ratio to settle the prepayment integration point among the individual points accumulated to the customer in each assigned affiliate. .

If the prepayment settlement point reflection rate to settle the prepayment integration point is fixed at 100%, or if each affiliate is equal to the ratio of individual points per affiliate to be included in the integration point, the prepayment integration point is settled. Point reflection ratio information for each subsidiary including a prepayment settlement point reflection ratio may be omitted, and the present invention is not limited thereto.

The integrated point information having the same amount of refund according to the point reflecting ratio is equal to individual points for each affiliate corresponding to the customer information in an affiliate corresponding to two or more affiliated companies included in the integrated point configuration information according to the point reflecting ratio information. An integration point collected at a cash value, wherein the integration point corresponds to an individual point for each affiliate included in the integration point before, at the same time as the generation of the integration point information, or within a certain period of time after the generation, in order to have an equivalent cash flow. Preferably, an amount corresponding to the refund value of the individual point for each affiliated company from the affiliated company is automatically processed to be deposited to the integrated point operating institution.

The prepaid integration point information is integrated point information that is prepaid to the customer in response to prepaid request integration point information (or integrated point prepaid policy of the integration point operator) included in the integration point configuration information. Point investment products provided by one or more financial affiliates, Point investment products provided by affiliates affiliated with one or more financial affiliates of the plurality of financial affiliates, Points provided by affiliates of one or more financial affiliates of the plurality of financial affiliates It is desirable to include integrated point information that can be refunded beyond the minimum investment amount that can be invested in the investment product.

According to an embodiment of the present invention, when there is an integration point generated based on one or more effective individual points for each affiliate provided to the customer in the affiliate, the advance payment integration point information may include the advance payment request integration point information ( Alternatively, it is preferable to include an integration point obtained by subtracting integration points generated based on individual points for each affiliated company in a prepaid integration point corresponding to the integration point prepayment policy of the integration point operator.

According to another exemplary embodiment of the present invention, when there is no integration point generated based on at least one valid individual point for each affiliate provided by the affiliate to the customer, the prepaid payment integration point information is the prepayment request integration point. It is preferable to include the prepaid integration point corresponding to the information (or the integration point advance payment policy of the integration point operator) as it is.

The point operation account information may include an integrated point (or prepaid integrated point) having an equal refund value by collecting individual points for one or more affiliated companies provided to a customer from a plurality of financial affiliates according to the integrated point configuration information at an equal refund value. Point account information of the customer name to be deposited, or the financial account information of the customer name to which the cash for converting the integration point in real currency unit is preferably included.

If one or more affiliated points provided by a plurality of financial affiliates to customers according to the integrated point configuration information are collected at an equal refund value, an integrated point (or a prepaid integrated point) having an equal refundability is not managed through the account. In this case (eg, when managed through a customer account stored in a separate storage medium 255), the point operating account information may be omitted, and the present invention is not limited thereto.

According to one embodiment of the invention, the storage medium 255 is preferably provided in a DBMS on a financial system provided on the integration point configuration system (or associated with the integration point configuration system), wherein The storage medium 255 may be a ledger D / B provided in the DBMS on the financial system, or a database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 255 is one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the integrated point configuration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The integrated point configuration server 100 provided on the integrated point configuration system according to the present invention is a generic term for the integrated point configuration system side components connected to the employee terminal 260 through a financial network, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in the server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, the integrated point configuration server 100 is a ledger server provided on a financial system connected to the employee terminal 260 through a financial network, or a server provided in an external system on the financial system. (Or a device), or a program provided in the external world on the financial system, whereby the present invention is not limited.

According to the embodiment of the present invention, the integrated point configuration server 100 is characterized in that it comprises an interface unit 200 for connecting and managing the communication channel and the employee terminal 260 through the financial network.

The interface unit 200 connects a communication channel with the employee terminal 260 based on the protocol stack defined in the financial network, and provides a communication protocol defined in a financial transaction related program included in the employee terminal 260. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data).

Referring to FIG. 2, the integration point configuration server 100 connects a communication channel with an employee point point 260 and the integration point configuration server 100 through the interface unit 200, and then the interface unit 200. ), The employee terminal 260 includes one or more customer information, two or more affiliate information, point reflection ratio information for each affiliate, and prepaid payment request integrated point information and point operation account information (or account opening application information). An interface providing unit 205 for generating (or extracting) a user interface for inputting (or selecting) and providing integration point configuration information to the employee terminal 260, and in conjunction with the interface unit 200. Information receiving unit 210 for receiving the integration point configuration information that is input (or selected) by the employee terminal 260 through the user interface and the reception, and the reception Validation unit 215 for checking the validity of the integrated point configuration information, and the customer information included in the confirmed integration point configuration information, two or more affiliated company information and the point reflection ratio information for each affiliated company based on the An individual that receives individual points for each affiliate to be collected in the integration point according to the point reflection ratio information for each affiliate among the individual points for each affiliate provided to the customer corresponding to the customer information from the affiliate server 110 corresponding to the affiliate information. A point receiving unit 220 (or an individual point receiving unit), an individual point converting unit 225 (or an individual point converting unit) for converting the received individual points for each affiliated company to an equivalent money value, and converted into an equivalent money value Integration point that generates integration point information by collecting individual points of two or more affiliates Prepaid integration point information corresponding to the generation unit 230 (or integration point generation means) and the prepayment request integration point information (or the integration point advance payment policy of the integration point operator) included in the integration point configuration information. Equivalent money repayment processing unit 240 (or equivalent) for processing so that the prepayment integration point generation unit 235 (or prepayment sum point generation means) to be generated and the integration point information (or prepayment integration point information) have equivalent money remittance Check the point operation account information of the customer name corresponding to the customer information in connection with the financial system in which the point operation account is opened, if the point operation account information in the integrated point configuration information; Or in the case where the integration point configuration information includes the account opening application information, in connection with the financial system. An account opening / verification unit 245 (or an account opening / verification means) for opening a point operation account in the name of a customer corresponding to the information, and a storage medium 255 corresponding to the point operation account opened (or confirmed) ( Or in a separate storage medium 255), the point information for each of the two or more affiliates constituting the integrated point with the customer information, the point reflection ratio information for each affiliate, and the integrated point information having the same amount of money repayment according to the point reflection ratio and the advance payment And an information storage unit 250 (or information storage means) for storing integration point operation information including one or more integration point information and point operation account information.

The interface providing unit 205 is connected to the integration point configuration server 100 and the communication terminal via the interface unit 200, the employee terminal 260 in the functional configuration provided in the employee terminal 260 Correspondingly, the user inputs (or selects) the integration point configuration information and generates a user interface that can be transmitted to the integration point configuration server 100 through the financial network, or extracts it from a database (not shown). In operation 200, the generated (or extracted) user interface may be provided to the employee terminal 260 through the financial network.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the integration point configuration information to the employee terminal 260 and transmitting the integration point configuration information to the integration point configuration server 100 through the financial network is provided. When the information registration program is provided, the interface providing unit 205 for providing the user interface to the employee terminal 260 may be omitted, and the present invention is not limited thereto.

Thereafter, the employee terminal 260 is based on the user interface, the customer information and two or more affiliate information, the point reflection ratio information for each affiliate, prepayment request integration point information and point operation account information (or account opening application information) Input (or select) the integration point configuration information including at least one, and transmits the input (or selected) integration point configuration information to the integration point configuration server 100 through the financial network.

According to an embodiment of the present invention, when the employee terminal 260 is an employee terminal 260 connected to a financial network, the interface providing unit 205 may be a financial transaction related program provided in the employee terminal 260. It is preferable to generate (or extract) a user interface that can be provided, and provide the user interface generated (or extracted) to the employee terminal 260 through the interface unit 200.

The information receiving unit 210 in the employee terminal 260 through the user interface, the customer information, two or more affiliate information, the point reflecting ratio information for each affiliate, prepayment request integration point information and point operating account information (or open an account) And inputting (or selecting) integration point configuration information including at least one request information) through the financial network to receive the integration point configuration information in association with the interface unit 200. The received integration point configuration information is provided to the validity verification unit 215.

The validity verification unit 215 is characterized in that the integration point configuration information received from the employee terminal 260 to check whether the validity for the integrated operation of a plurality of individual points for each financial affiliate.

According to an embodiment of the present invention, the validation of the integration point configuration information is linked with an affiliate server 110 corresponding to the affiliate information based on the customer information included in the integration point configuration information and two or more affiliate information. It is preferable to include whether to check whether the customer corresponding to the customer information is registered in the affiliated company.

In addition, the validation of the integration point configuration information, if the point management account information is included in the integration point configuration information, on the financial system opened the point management account through the customer information included in the integration point configuration information And checking whether a customer corresponding to the customer information is registered, and checking whether an account corresponding to the point operating account information is opened under the customer name.

When the validity of the integration point configuration information is confirmed, the individual point receiving unit 220 connects to an affiliated server server 110 corresponding to each affiliated company information included in the validated integrated point configuration information, and the affiliated server Providing the customer information to 110 to identify individual points for each affiliate provided by the affiliate to the customer corresponding to the customer information, and corresponding to the point reflecting ratio information for each affiliate among the identified individual points for the affiliate Characterized by receiving the individual point (= individual point for each affiliate to be aggregated to the integration point) for each affiliate.

According to the method of the present invention, the individual point receiving unit 220 corresponds to the customer information in the affiliate server (not shown) affiliated with one or more financial affiliates of the plurality of financial affiliates in addition to the affiliate server 110 A plurality of affiliate individual points provided to the plurality of affiliated points that are provided to the customer corresponding to the customer information in the affiliate server (not shown) or the merchant terminal (not shown) of one or more financial affiliates of the plurality of financial affiliates. It is possible to receive as individual points for each affiliate associated with a financial affiliate, and it is clear that in the present invention, the individual points for each affiliate can be made by including one or more of the affiliate points and affiliated points.

The individual point information for each affiliate to be collected at the integration point of the customer corresponding to the customer information from each affiliate server 110 corresponding to the two or more affiliate information included in the integration point configuration information through the individual point receiver 220 When received, the individual point conversion unit 225 is characterized in that for converting the individual points for each affiliated company to an equivalent money value.

For example, the consolidated point under the condition that the individual point 1 of the affiliate 1 has a refund value of 1 won per 100 points and the individual point 2 of the affiliate 2 has a refund value of 1 won per 10 points. If 1 has an equivalent cash value of 1 won per point, it is preferable that the individual point converting unit 225 converts the individual point 1 to 0.01 point, and converts the individual point 2 to 0.1 point. Do.

The integrated point generator 230 is received from two or more affiliate servers 110 through the individual point receiver 220, and converted into equivalent cash value by the individual point converter 225 for each of two or more affiliates. The integrated point information may be generated by collecting individual points.

The prepayment integration point generation unit 235 generates prepayment integration point information corresponding to the prepayment request integration point information (or the integration point prepayment policy of the integration point operator) included in the integration point configuration information. It features.

According to an exemplary embodiment of the present invention, the pre-paid integration point information is a point investment product provided by the one or more financial affiliates, the point investment product provided by one or more financial affiliates, and a point investment provided by an affiliated company affiliated with one or more financial affiliates of the plurality of financial affiliates. It is preferable to include integrated point information that can be refunded more than the minimum investment amount that can be invested in the product, the point investment products provided by the affiliated stores of one or more financial affiliates of the plurality of financial affiliates.

According to another exemplary embodiment of the present invention, when valid integration point information is generated by combining individual points of two or more affiliates through the integration point generation unit 230, the prepaid integration point information may be used to determine the integration point. Point investment products provided by one or more financial affiliates, Point investment products provided by affiliates affiliated with one or more financial affiliates of the plurality of financial affiliates, Point investment products provided by affiliates of one or more financial affiliates of the plurality of financial affiliates It is preferable to include integration points obtained by subtracting valid integration points by collecting individual points of each of the two or more affiliated companies from the prepaid integration points generated to be able to repay more than the minimum investment amount that can be invested in.

The equivalency repayment processor 240 may generate the integration point information (or prepayment integration point information) before, or simultaneously with, generating the integration point information (or prepayment integration point information). Process to automatically deposit an amount corresponding to the refund value of the individual point for each affiliate from the affiliate server 110 corresponding to the individual point for each affiliate included in the integration point to the integration point operator within a predetermined period of time. It features.

According to one embodiment of the present invention, each affiliate corresponding to an individual point for each affiliate included in the integration point deposits a certain amount of money to the integration point operating institution to provide an equivalent money refund for the integration point. Refund processing unit 240 preferably processes the ledger that the amount corresponding to the refund value of the individual points for each affiliate included in the integration point among the amounts deposited by each affiliate included in the integration point.

According to the exemplary embodiment of the present invention, the equivalent money remittance processing unit 240 requests each affiliate server 110 to deposit an amount corresponding to the refund value of individual points for each affiliate included in the integration point, and correspondingly It is preferable to transfer and receive an amount corresponding to the refund value of individual points for each affiliate from each affiliate account.

When the integration point is managed through a point management account, the account opening / confirmation unit 245 may open (or confirm) a point operation account in the name of a customer who will manage the integration point.

Here, the point operation account preferably comprises a point account in the name of the customer depositing the generated integration point, the point account is characterized in that the integration point is directly deposited not cash in real currency. It is done.

Alternatively, the point operating account may include a financial account in the name of the customer who deposits the generated integrated points by converting the cash into real money, and the financial account is in the form of an additional information ledger. The integrated point deposit information is stored in association with the account ledger corresponding to the financial account.

According to an embodiment of the present invention, when the integrated point configuration information includes the point operating account information, the account opening / confirming unit 245 corresponds to the customer information in connection with the financial system in which the point operating account is opened. It is desirable to check the point operation account information in the name of the customer.

According to another embodiment of the present invention, when the integration point configuration information includes the account opening application information, the account opening / confirmation unit 245 is associated with the financial system and points of the customer name corresponding to the customer information. It is desirable to open a working account.

According to another embodiment of the present invention, if the integration point is not managed through a point management account (eg, managed through a customer account provided in a separate storage medium 255), the point operation account is opened ( Fig. 2) is not required, and the present invention is not limited thereto.

If a point management account for managing the integration point is opened (or confirmed) by the account opening / confirmation unit 245, the information storage unit 250 stores corresponding to the opened point operation account. Point information for each of two or more affiliated companies constituting the integrated point with the customer information on the medium 255, integrated point information and prepaid integrated point information and points having the same amount of money repayment according to the point reflected ratio information for each affiliated company And store the integrated point operating information including one or more operating account information.

The storing of the integrated point operating information in the storage medium 255 corresponding to the point operating account includes depositing the generated integrated point in a point account of the customer's name, or realizing the generated integrated point in real money. Converting into cash in units of money and depositing in a financial account under the name of the customer, and storing the integrated point deposit information of the deposits in the financial account in an additional information ledger associated with the account ledger corresponding to the financial account; It is preferable to make.

Alternatively, when the integration point is not managed through a point operating account (eg, when it is managed through a customer account provided in a separate storage medium 255), the information storage unit 250 stores the integration point. Point information for each of the two or more affiliates constituting the customer information and the integration point, point reflection ratio information for each affiliate, and integrated point information and prepaid integration point having the same amount of refund according to the point reflection ratio in the storage medium 255 to manage And store the integrated point operation information including one or more information and point operation account information.

3 is a diagram illustrating storing the integrated point in the point operating account provided in the ledger D / B provided in the DBMS on the financial system according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates that when the storage medium 255 shown in FIG. 2 is a ledger D / B provided in a DBMS on a financial system, the point 3 corresponds to a point operating account among the ledger information provided in the ledger D / B. Additional information of the account ledger Point information for each of the two or more affiliates constituting the integrated point with the customer information, point reflectance ratio information for each affiliate, and integrated point information and prepaid integrated point information having equal money repayment according to the point reflection ratio The present invention relates to a method for storing integrated point management information including one or more point operating account information, and a person of ordinary skill in the art to which the present invention pertains refers to and / or modifyes the present invention with reference to FIG. Various implementation methods for storing the integrated points in the point operating account provided in the D / B may be inferred, but the present invention It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Referring to Figure 3 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is the customer ledger, and the account ledger associated with the customer ledger (for example, ledger, loan Ledger, etc.) and at least one information associated with the account ledger, but if the person having ordinary knowledge in the technical field to which the present invention belongs, the ledger D / B provided in the DBMS on the financial system In addition to the customer ledger and the account ledger shown in FIG. 3, at least one ledger (eg, loan ledger, collateral ledger, ..., etc.) or at least one additional ledger for maintaining and managing the ledgers is further included. Since it will be clearly understood, and will be familiar with specific technical matters, the detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. At least one country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 3, the account ledger corresponds to a ledger corresponding to a point operating account including one of a point account or a financial account in a customer's name, and the customer information of the integrated point operating information is linked to the account ledger. The integrated point operating account information of the integrated point operating information stored in the ledger is stored in the account ledger, and the additional information ledger associated with the account ledger includes two or more affiliated points constituting the integrated point of the integrated point operating information. The information and the point reflection ratio information for each affiliate and the integrated point information having the same amount of money according to the point reflection ratio is characterized in that the link is stored.

Here, the point information for each of the two or more affiliates constituting the integration point, the customer corresponding to the customer information in the financial affiliates corresponding to the affiliate information based on the customer information and the two or more affiliate information included in the integration point configuration information It is preferable to include the point information converted from each point of each affiliate provided to the equivalent money value.

Here, the value of the equivalent money exchange value means that the value of the real money cash per unit point when the two or more affiliated points constituting the integration point in the real currency unit, the currency exchange rate to the same value.

For example, the consolidated point under the condition that the individual point 1 of the affiliate 1 has a refund value of 1 won per 100 points and the individual point 2 of the affiliate 2 has a refund value of 1 won per 10 points. If 1 has an equivalent cash value of one won per point, the individual point 1 is converted to 0.01 points and the individual point 2 is converted to 0.1 points.

The point reflection ratio information for each affiliate is equal to the integrated point among the points for each affiliate provided to the customer corresponding to the customer information by each affiliate corresponding to two or more affiliate information included in the integrated point configuration information. It is preferable to include the point reflection ratio to be collected.

For example, if the percentage of the point of reflection of the individual points 1 of the affiliated company 1 is 50%, only 50% of the points for each affiliated company provided to the customer corresponding to the customer information by the affiliated company 1 are collected at an equivalent cash value. In contrast to the integration point, the remaining 50% remains the individual point 1 of the affiliate company 1.

If the point reflection ratio of each affiliate is fixed to 100%, the point reflection ratio information of each affiliate may be omitted from the integrated point configuration information, and thus the present invention is not limited thereto.

According to the method of the present invention, when the prepaid integration point information corresponding to the prepaid request integrated point information (or the integrated point prepaid policy of the integrated point operator) is generated, the point reflection ratio information for each affiliate is It is preferable to further comprise a distribution ratio (or settlement ratio) for each affiliate with respect to the prepaid integration point information.

If the distribution ratio (or settlement ratio) for each affiliate for the advance payment integration point information is equally distributed (or distributed according to the policy of the integration point operator), the distribution ratio for each affiliate for the advance payment integration point information (Or settlement ratio) point reflection ratio information for each subsidiary may be omitted, and thus the present invention is not limited thereto.

Further, when the prepaid integration point information corresponding to the prepaid request integrated point information (or the integrated point prepaid policy of the integrated point operator) is generated, the point reflection ratio information for each affiliate is the prepaid integration point information. It is preferable that the distribution ratio (or settlement ratio) for each affiliate is further comprised of the prepayment settlement point reflecting ratio to settle the prepayment integration point among the individual points accumulated to the customer in each assigned affiliate. .

If the prepayment settlement point reflection rate to settle the prepayment integration point is fixed at 100%, or if each affiliate is equal to the ratio of individual points per affiliate to be included in the integration point, the prepayment integration point is settled. Point reflection ratio information for each subsidiary including a prepayment settlement point reflection ratio may be omitted, and the present invention is not limited thereto.

The integrated point information having the same amount of refund according to the point reflecting ratio is equal to individual points for each affiliate corresponding to the customer information in an affiliate corresponding to two or more affiliated companies included in the integrated point configuration information according to the point reflecting ratio information. An integration point collected at a cash value, wherein the integration point corresponds to an individual point for each affiliate included in the integration point before, at the same time as the generation of the integration point information, or within a certain period of time after the generation, in order to have an equivalent cash flow. Preferably, an amount corresponding to the refund value of the individual point for each affiliated company from the affiliated company is automatically processed to be deposited to the integrated point operating institution.

The prepaid integration point information is integrated point information that is prepaid to the customer in response to prepaid request integration point information (or integrated point prepaid policy of the integration point operator) included in the integration point configuration information. Point investment products provided by one or more financial affiliates, Point investment products provided by affiliates affiliated with one or more financial affiliates of the plurality of financial affiliates, Points provided by affiliates of one or more financial affiliates of the plurality of financial affiliates It is desirable to include integrated point information that can be refunded beyond the minimum investment amount that can be invested in the investment product.

According to an embodiment of the present invention, when there is an integration point generated based on one or more effective individual points for each affiliate provided to the customer in the affiliate, the advance payment integration point information may include the advance payment request integration point information ( Alternatively, it is preferable to include an integration point obtained by subtracting integration points generated based on individual points for each affiliated company in a prepaid integration point corresponding to the integration point prepayment policy of the integration point operator.

According to another exemplary embodiment of the present invention, when there is no integration point generated based on at least one valid individual point for each affiliate provided by the affiliate to the customer, the prepaid payment integration point information is the prepayment request integration point. It is preferable to include the prepaid integration point corresponding to the information (or the integration point advance payment policy of the integration point operator) as it is.

4 is a diagram illustrating storing the integrated point operation information in a database linked to the ledger D / B provided in the DBMS on the financial system according to another embodiment of the present invention.

In more detail, FIG. 4 illustrates a case where the storage medium 255 shown in FIG. 2 is a database linked to the ledger D / B provided in the DBMS on the financial system. Information and point information for each of the two or more affiliates constituting the integration point, the information on the point reflection rate for each affiliate, and the integrated point information having the same amount of money according to the point reflection ratio, the prepaid integrated point information and the point operating account information. An embodiment of the present invention relates to an embodiment of the present invention, which relates to an embodiment of the present invention. The present invention relates to an embodiment of the present invention. Various implementation methods for storing integration point operation information may be inferred, but the present invention is inferred from the above. It includes all implementation methods, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 4, when it is not easy to store the integrated point operation information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, in the policy of the financial institution, the ledger D / B of the DBMS) Is not easy to change, or the system is not easy to expand due to the nature of the financial system), store the integration point operation information in a database instead of the ledger D / B, and the database and the ledger D / An implementation method of linking and storing B is illustrated.

In addition, the database shown in FIG. 4 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 4, and the database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 4, the database is linked with the ledger D / B including the customer ledger shown in FIG. 3 by linking the integrated point operation information and the CIF number, whereby the customer information of the integrated point operation information is Stored in the customer ledger associated with the account ledger, integrated point operating account information of the integrated point operating information is stored in the account ledger, the database is the point information for each of the two or more affiliates constituting the integration point and the point for each affiliate Characterized in that the reflection ratio information and the integrated point information having the same amount of money according to the point reflection ratio is stored in association.

Here, the point information for each of the two or more affiliates constituting the integration point, the customer corresponding to the customer information in the financial affiliates corresponding to the affiliate information based on the customer information and the two or more affiliate information included in the integration point configuration information It is preferable to include the point information converted from each point of each affiliate provided to the equivalent money value.

Here, the value of the equivalent money exchange value means that the value of the real money cash per unit point when the two or more affiliated points constituting the integration point in the real currency unit, the currency exchange rate to the same value.

For example, the consolidated point under the condition that the individual point 1 of the affiliate 1 has a refund value of 1 won per 100 points and the individual point 2 of the affiliate 2 has a refund value of 1 won per 10 points. If 1 has an equivalent cash value of one won per point, the individual point 1 is converted to 0.01 points and the individual point 2 is converted to 0.1 points.

The point reflection ratio information for each affiliate is equal to the integrated point among the points for each affiliate provided to the customer corresponding to the customer information by each affiliate corresponding to two or more affiliate information included in the integrated point configuration information. It is preferable to include the point reflection ratio to be collected.

For example, if the percentage of the point of reflection of the individual points 1 of the affiliated company 1 is 50%, only 50% of the points for each affiliated company provided to the customer corresponding to the customer information by the affiliated company 1 are collected at an equivalent cash value. In contrast to the integration point, the remaining 50% remains the individual point 1 of the affiliate company 1.

If the point reflection ratio of each affiliate is fixed to 100%, the point reflection ratio information of each affiliate may be omitted from the integrated point configuration information, and thus the present invention is not limited thereto.

According to the method of the present invention, when the prepaid integration point information corresponding to the prepaid request integrated point information (or the integrated point prepaid policy of the integrated point operator) is generated, the point reflection ratio information for each affiliate is It is preferable to further comprise a distribution ratio (or settlement ratio) for each affiliate with respect to the prepaid integration point information.

If the distribution ratio (or settlement ratio) for each affiliate for the advance payment integration point information is equally distributed (or distributed according to the policy of the integration point operator), the distribution ratio for each affiliate for the advance payment integration point information (Or settlement ratio) point reflection ratio information for each subsidiary may be omitted, and thus the present invention is not limited thereto.

Further, when the prepaid integration point information corresponding to the prepaid request integrated point information (or the integrated point prepaid policy of the integrated point operator) is generated, the point reflection ratio information for each affiliate is the prepaid integration point information. Preferably, the distribution ratio (or settlement ratio) for each affiliate is further included in the prepaid settlement point reflecting ratio to settle the prepaid payment integration point among the individual points that are allocated to the customer in each assigned affiliate.

If the prepayment settlement point reflection rate to settle the prepayment integration point is fixed at 100%, or if each affiliate is equal to the ratio of individual points per affiliate to be included in the integration point, the prepayment integration point is settled. Point reflection ratio information for each subsidiary including a prepayment settlement point reflection ratio may be omitted, and the present invention is not limited thereto.

The integrated point information having the same amount of refund according to the point reflecting ratio is equal to individual points for each affiliate corresponding to the customer information in an affiliate corresponding to two or more affiliated companies included in the integrated point configuration information according to the point reflecting ratio information. An integration point collected at a cash value, wherein the integration point corresponds to an individual point for each affiliate included in the integration point before, at the same time as the generation of the integration point information, or within a certain period of time after the generation, in order to have an equivalent cash flow. It is preferable that the amount of money corresponding to the refund value of the individual points for each affiliate from the affiliate is automatically deposited to the integrated point operating institution.

The prepaid integration point information is integrated point information that is prepaid to the customer in response to prepaid request integration point information (or integrated point prepaid policy of the integration point operator) included in the integration point configuration information. Point investment products provided by one or more financial affiliates, Point investment products provided by affiliates affiliated with one or more financial affiliates of the plurality of financial affiliates, Points provided by affiliates of one or more financial affiliates of the plurality of financial affiliates It is desirable to include integrated point information that can be refunded beyond the minimum investment amount that can be invested in the investment product.

According to an embodiment of the present invention, when there is an integration point generated based on one or more effective individual points for each affiliate provided to the customer in the affiliate, the advance payment integration point information may include the advance payment request integration point information ( Alternatively, it is preferable to include an integration point obtained by subtracting integration points generated based on individual points for each affiliated company in a prepaid integration point corresponding to the integration point prepayment policy of the integration point operator.

According to another exemplary embodiment of the present invention, when there is no integration point generated based on at least one valid individual point for each affiliate provided by the affiliate to the customer, the prepaid payment integration point information is the prepayment request integration point. It is preferable to include the prepaid integration point corresponding to the information (or the integration point advance payment policy of the integration point operator) as it is.

5 is a diagram illustrating storing the integrated point operation information in a database external to the financial system according to another exemplary embodiment of the present invention.

In more detail, FIG. 5 shows that the storage medium 255 shown in FIG. 2 is provided in a DBMS provided in a banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. In the case of a database, the point information for each of the two or more affiliated companies constituting the integrated point with the customer information, the point reflection ratio information for each affiliated company, and the integrated point information and the prepaid integration point having the same amount of refund according to the point reflection ratio in the external database. An embodiment of the present invention relates to a method for storing integrated point operation information including one or more information and point operating account information. Those skilled in the art to which the present invention pertains may refer to and / or modify the present invention. Various implementations that store integration point operational information in a database Would be able to derive a method, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 5.

Referring to FIG. 5, the DBMS provided in the banking server includes customer information included in the integrated point operation information and point information for two or more affiliates constituting an integrated point, point reflection ratio information for each affiliate company, and the point reflection ratio. It characterized in that the integrated point information having the same amount of refund according to the prepaid integrated point information and the point operating account information and stored in association with one or more.

Here, the customer information is information for identifying common customers of the plurality of financial affiliates among customers registered with a plurality of financial affiliates including one or more banks, card companies, securities companies, and insurance companies, and the personal information (eg, , Name, resident registration number, address, contact information) to member information (eg, customer number, customer account) is preferably included one or more.

The point information for each of the two or more affiliates constituting the integration point is provided to the customer corresponding to the customer information in the financial affiliate corresponding to the affiliate information based on the customer information and the two or more affiliate information included in the integration point configuration information. It is preferable to include the point information obtained by converting the points for each affiliate to the equivalent cash value.

Here, the value of the equivalent money exchange value means that the value of the real money cash per unit point when the two or more affiliated points constituting the integration point in the real currency unit, the currency exchange rate to the same value.

For example, the consolidated point under the condition that the individual point 1 of the affiliate 1 has a refund value of 1 won per 100 points and the individual point 2 of the affiliate 2 has a refund value of 1 won per 10 points. If 1 has an equivalent cash value of one won per point, the individual point 1 is converted to 0.01 points and the individual point 2 is converted to 0.1 points.

The point reflection ratio information for each affiliate is equal to the integrated point among the points for each affiliate provided to the customer corresponding to the customer information by each affiliate corresponding to two or more affiliate information included in the integrated point configuration information. It is preferable to include the point reflection ratio to be collected.

For example, if the percentage of the point of reflection of the individual points 1 of the affiliated company 1 is 50%, only 50% of the points for each affiliated company provided to the customer corresponding to the customer information by the affiliated company 1 are collected at an equivalent cash value. In contrast to the integration point, the remaining 50% remains the individual point 1 of the affiliate company 1.

If the point reflection ratio of each affiliate is fixed to 100%, the point reflection ratio information of each affiliate may be omitted from the integrated point configuration information, and thus the present invention is not limited thereto.

According to the method of the present invention, when the prepaid integration point information corresponding to the prepaid request integrated point information (or the integrated point prepaid policy of the integrated point operator) is generated, the point reflection ratio information for each affiliate is It is preferable to further comprise a distribution ratio (or settlement ratio) for each affiliate with respect to the prepaid integration point information.

If the distribution ratio (or settlement ratio) for each affiliate for the advance payment integration point information is equally distributed (or distributed according to the policy of the integration point operator), the distribution ratio for each affiliate for the advance payment integration point information (Or settlement ratio) point reflection ratio information for each subsidiary may be omitted, and thus the present invention is not limited thereto.

Further, when the prepaid integration point information corresponding to the prepaid request integrated point information (or the integrated point prepaid policy of the integrated point operator) is generated, the point reflection ratio information for each affiliate is the prepaid integration point information. Preferably, the distribution ratio (or settlement ratio) for each affiliate is further included in the prepaid settlement point reflecting ratio to settle the prepaid payment integration point among the individual points that are allocated to the customer in each assigned affiliate.

If all of the prepayment settlement point reflection ratios to settle the prepayment integration point are fixed to 100%, or if each affiliate is equal to the ratio of individual points per affiliate to be included in the integration point, the prepayment integration point is settled. Point reflection ratio information for each subsidiary including a prepaid settlement point reflection ratio to be processed may be omitted, and thus the present invention is not limited thereto.

The integrated point information having the same amount of refund according to the point reflecting ratio is equal to individual points for each affiliate corresponding to the customer information in an affiliate corresponding to two or more affiliated companies included in the integrated point configuration information according to the point reflecting ratio information. An integration point collected at a cash value, wherein the integration point corresponds to an individual point for each affiliate included in the integration point before, at the same time as the generation of the integration point information, or within a certain period of time after the generation, in order to have an equivalent cash flow. Preferably, an amount corresponding to the refund value of the individual point for each affiliated company from the affiliated company is automatically processed to be deposited to the integrated point operating institution.

The prepaid integration point information is integrated point information that is prepaid to the customer in response to prepaid request integration point information (or integrated point prepaid policy of the integration point operator) included in the integration point configuration information. Point investment products provided by one or more financial affiliates, Point investment products provided by affiliates affiliated with one or more financial affiliates of the plurality of financial affiliates, Points provided by affiliates of one or more financial affiliates of the plurality of financial affiliates It is desirable to include integrated point information that can be refunded beyond the minimum investment amount that can be invested in the investment product.

According to an embodiment of the present invention, when there is an integration point generated based on one or more effective individual points for each affiliate provided to the customer in the affiliate, the advance payment integration point information may include the advance payment request integration point information ( Alternatively, it is preferable to include an integration point obtained by subtracting integration points generated based on individual points for each affiliated company in a prepaid integration point corresponding to the integration point prepayment policy of the integration point operator.

According to another exemplary embodiment of the present invention, when there is no integration point generated based on at least one valid individual point for each affiliate provided by the affiliate to the customer, the prepaid payment integration point information is the prepayment request integration point. It is preferable to include the prepaid integration point corresponding to the information (or the integration point advance payment policy of the integration point operator) as it is.

The point operation account information may include an integrated point (or prepaid integrated point) having an equal refund value by collecting individual points for one or more affiliated companies provided to a customer from a plurality of financial affiliates according to the integrated point configuration information at an equal refund value. Point account information of the customer name to be deposited, or the financial account information of the customer name to which the cash for converting the integration point in real currency unit is preferably included.

If one or more affiliated points provided by a plurality of financial affiliates to customers according to the integrated point configuration information are collected at an equal refund value, an integrated point (or a prepaid integrated point) having an equal refundability is not managed through the account. In this case (eg, when managed through a customer account stored in a separate storage medium 255), the point operating account information may be omitted, and the present invention is not limited thereto.

6 is a diagram illustrating a process of registering integration point configuration information for integrated operation of individual points of a plurality of financial affiliates in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 6 shows customer information, two or more affiliate information, point reflection ratio information for each affiliate, and prepayment through a face-to-face information registration interface in the employee terminal 260 on the integrated point configuration system shown in FIG. When the integrated point configuration information including one or more requested integration point information and point operation account information (or account opening application information) is provided, the integration point configuration server 100 receives the provided integration point configuration information to check validity. As a matter of course, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 6 to identify individual points of a plurality of financial affiliates in a face-to-face manner in the employee terminal 260. Infers various implementation methods for registering integration point configuration information for integrated operation Number would be, this invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 6.

Hereinafter, in FIG. 6, the employee terminal 260 illustrated in FIG. 2 is referred to as a “terminal” for convenience, and the integrated point configuration server 100 illustrated in FIG. 2 is referred to as a “server” for convenience.

Referring to FIG. 6, when the terminal shown in FIG. 2 connects to a communication channel for registering the integration point configuration information by accessing the server through a financial network, and requests registration of the integration point configuration information from the server, 600, the server generates (or extracts) an information registration interface for registering the integration point configuration information (605), and transmits the generated (or extracted) information registration interface to the terminal through the communication channel. And outputs the data (610).

According to an embodiment of the present invention, the information registration interface is the customer information, at least two affiliated companies information, the point reflecting ratio information for each affiliated company, prepayment request integrated point information and point operating account information (or account opening application information) And a user interface for inputting (or selecting) integration point configuration information including at least one).

Then, the terminal through the information registration interface, at least one or more customer information, two or more affiliate information, point reflection ratio information for each affiliate, prepayment request integration point information and point operation account information (or account opening application information) Input (or select) the integration point configuration information to be included (615).

If the terminal includes the at least one of the customer information, two or more affiliate information, the point reflection ratio information for each affiliate, the prepayment request integration point information and the point operating account information (or account opening application information) through the information registration interface; When the integrated point configuration information is input (or selected) (620), the terminal integrates the input (or selected) customer information, two or more affiliate information, point reflection ratio information for each affiliate and the prepayment request through the financial network. Integration point configuration information including one or more points information and point operating account information (or account opening application information) is transmitted to the server (625).

Thereafter, the server receives and reads the customer information, the two or more affiliate information, the point reflection ratio information for each affiliate, the prepaid payment request integrated point information and the point operation account information (or the account opening application information) through the financial network. The validity of the integration point configuration information is checked (630).

According to an embodiment of the present invention, the validation of the integration point configuration information is linked with an affiliate server 110 corresponding to the affiliate information based on the customer information included in the integration point configuration information and two or more affiliate information. It is preferable to include whether to check whether the customer corresponding to the customer information is registered in the affiliated company.

In addition, the validation of the integration point configuration information, if the point management account information is included in the integration point configuration information, on the financial system opened the point management account through the customer information included in the integration point configuration information And checking whether a customer corresponding to the customer information is registered, and checking whether an account corresponding to the point operating account information is opened under the customer name.

If the validity of the integration point configuration information is not authenticated (635), the server generates information registration error information and transmits it to the terminal (640), and does not perform an information registration procedure corresponding to the integration point configuration information. Do not.

On the other hand, if the validity of the integrated point configuration information is authenticated (635), the server collects the individual points of one or more affiliated companies provided by the plurality of financial affiliates to customers according to the integration point configuration information as equivalent money value. Perform the process of generating an integration point having.

7 is a diagram illustrating a process of generating an integration point through point configuration information registered in a face-to-face manner according to an embodiment of the present invention.

In more detail, Figure 7 is an integrated point configuration server 100 on the integrated point configuration system shown in Figure 2 through the process shown in Figure 6, customer information, two or more affiliate information, and the point reflection ratio information for each affiliate and Upon receiving and confirming the validity of the integration point configuration information including one or more points of operation account information (or account opening application information), the integration point configuration server 100 includes two or more affiliate information included in the provided integration point configuration information. Check the point information for each of the two or more affiliates constituting the point based on the corresponding information, and respond to the prepaid payment request integrated point information (or integrated point advance payment policy of the integrated point operator) based on the confirmed point information for the affiliated company. Generate prepaid integration point information, and integrate with the customer information An integrated point comprising one or more points information for each of the two or more affiliates constituting the point, the point reflection ratio information for each subsidiary, and the integrated point information having the same amount of money repayment according to the point reflection rate, and the prepaid integrated point information and the point operating account information. Regarding the process of storing the operation information in the storage medium 255 (or point operating account), if the person skilled in the art to which the present invention pertains, refer to and / or modify the present Figure 7 staff terminal Although various implementation methods for the process of generating an integrated point may be inferred through the point configuration information registered in a face-to-face manner at 260, the present invention includes all the implementation methods inferred as shown in FIG. 7. It is not limited to the implemented method.

Hereinafter, in FIG. 7, the integrated point configuration server 100 shown in FIG. 2 is referred to as a "server" for convenience.

Referring to FIG. 7, through the process shown in FIG. 6, the server includes customer information, two or more affiliate information, point reflection ratio information for each affiliate, and one or more point operation account information (or account opening application information). When the integration point configuration information is received and the validity is confirmed, the server connects to the affiliated server 110 corresponding to each affiliated company information included in the validated integrated point configuration information, and connects the affiliated server 110 to the affiliated server 110. By providing customer information, the affiliates check individual points for each affiliate provided to the customer corresponding to the customer information (700).

If the affiliated individual points provided to the customer by the affiliated company are identified (705), the server individually identifies the affiliated points corresponding to the points reflecting ratio information for each affiliated company included in the integrated point configuration information among the identified affiliated companies. Point (= individual point for each affiliate to be collected in the integration point) information is received (710).

If an individual point for each affiliate to be collected in the integration point is received (715), the server converts the received individual point for each affiliate to an equivalent cash value (720).

For example, the consolidated point under the condition that the individual point 1 of the affiliate 1 has a refund value of 1 won per 100 points and the individual point 2 of the affiliate 2 has a refund value of 1 won per 10 points. If 1 has an equivalent cash value of one won per point, the server preferably converts the individual point 1 to 0.01 point and the individual point 2 to 0.1 point.

Thereafter, the server generates the integrated point information by collecting the individual points for each of the two or more affiliates received from the two or more affiliate servers 110 and converted by the individual point converting unit 225 into the equivalent money value (725). ).

If a valid integration point is not generated by combining individual points of each of the two or more affiliates (730), the server provides the investment points of one or more financial affiliates provided by the one or more financial affiliates. Point investment products provided by affiliates affiliated with affiliates and points provided by affiliates of one or more financial affiliates of the plurality of financial affiliates Actual prepaid integration points that can be refunded over the minimum investment amount that can be invested in the investment instruments Generate information (735).

On the other hand, if a valid integrated point is generated by combining individual points of each of the two or more affiliates (730), the point investment products provided by the one or more financial affiliates and affiliated with one or more financial affiliates of the plurality of financial affiliates Point payment products provided by affiliates and prepaid integrated point information that can be refunded to a minimum investment amount that can be invested in point investment products provided by one or more affiliates of one or more financial affiliates of the plurality of financial affiliates is generated (740). ), The actual prepaid integration point information is generated by subtracting the generated valid integration point from the generated prepaid integration point (745).

Thereafter, the server schedules before, simultaneously with, or after generation of the integration point information (or advance payment integration point information) in order to grant equal money to the generated integration point information (or advance payment integration point information). In operation 750, a processing unit 750 automatically deposits an amount corresponding to the refund value of the individual point for each affiliate from the affiliate server 110 corresponding to the individual point for each affiliate included in the integration point.

According to an exemplary embodiment of the present invention, each affiliate corresponding to an individual point for each affiliate included in the integration point deposits a certain amount of money into the integration point operating institution in order to provide an equivalent money refund for the integration point, and the server It is preferable to process the ledger that the amount corresponding to the refund value of individual points for each affiliate included in the integration point among the amounts deposited by each affiliate is included in the integration point.

According to an exemplary embodiment of the present invention, the server requests each affiliate server 110 to deposit an amount corresponding to the refund value of the individual point for each affiliate included in the integration point, and correspondingly, from the affiliate account. It is preferable to transfer and receive the amount corresponding to the refund value of the individual points for each affiliate.

If the equivalent cash flow is processed in the generated integration point (755), the server provides the point information for two or more affiliates constituting the customer information and the integration point, the point reflection ratio information for each affiliate, and the equality according to the point reflection ratio. Storing in the storage medium 255 shown in FIGS. 2 to 5 or storing the integrated point operating information including one or more of the integrated point information, the prepaid integrated point information and the point operating account information. Stored in the point operating account shown in 3 to 4 (760).

According to the implementation method of the present invention, when storing the integrated point operation information in the point operation account, the server through the information contained in the integration point configuration information and point operation account information (or account opening application information); It is desirable to open (or verify) point operating account information in which integration points are stored.

Here, the point operation account preferably comprises a point account in the name of the customer depositing the generated integration point (or prepaid integration point), the point account is not the cash in the real currency unit of the integration point Is directly deposited.

Alternatively, the point operation account may include a financial account in the name of a customer who deposits the generated integration point (or prepaid integration point) by converting it into cash in real currency, and the financial account is an additional information ledger. In the form of the deposit of the financial account is characterized in that for storing the integrated point deposit information in association with the account ledger corresponding to the financial account.

FIG. 8 illustrates a non-face-to-face integration point configuration system for integrated operation of individual points of a plurality of financial affiliates according to another exemplary embodiment of the present invention.

In more detail, FIG. 8 shows an integrated point composition system through a non-face-to-face information registration interface where a customer reflects customer information, two or more affiliate information, and points reflecting points by each affiliate for integrated operation of individual points of the plurality of financial affiliates. When the integrated point configuration information including at least one information and prepaid payment request integrated point information and point operation account information (or account opening application information) is provided, the integrated point configuration system includes two pieces of information included in the provided integrated point configuration information. Check the point information for two or more affiliates that make up the point based on the above affiliated company information, and the advance payment request integrated point information (or integrated point advance payment policy of the integrated point operator) based on the confirmed affiliated point information. Prepayment corresponding to Integrated point information is generated and integrated point information and prepaid integrated point information having two or more affiliated points constituting the customer information and the integrated point, point reflectance ratio information for each affiliated company, and equal refundability according to the point reflected ratio And a system configuration for storing the integrated point operation information including one or more point operating account information in a storage medium 855. Those skilled in the art to which the present invention pertains may refer to FIG. And / or may be modified to infer various implementation methods for the integration point configuration system configuration for the integrated operation of individual points for a plurality of financial affiliates, but the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited only to the implementation method shown.

Hereinafter, at least one or more means for receiving and storing the integrated point configuration information provided from the customer through the non-face-to-face information registration interface on the integrated point configuration system shown in FIG. Or, the components corresponding to the functional configuration are referred to as "integration point configuration server 100" for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, an integrated point configuration system for integrated operation of individual points for each of a plurality of financial affiliates includes a client terminal including at least one wired terminal or a wireless terminal used by a customer ( 860, the client terminal 860 is connected to the integration point configuration server 100 provided on the integration point configuration system through a communication network.

According to one embodiment of the invention, the customer is connected to the integrated point configuration server 100 via at least one or more client terminal 860 of a wired terminal connected to a wired communication network or a wireless terminal connected to a wireless communication network, the integration When inputting (or selecting) integration point configuration information for the integrated operation of the individual points of the plurality of financial affiliates through at least one user interface provided by the point configuration server 100, the client terminal 860 establishes a communication network. It is preferable to transmit to the integration point configuration server 100 provided on the integration point configuration system through.

Here, the wired terminal is a generic term for all terminal devices connected to a TCP / IP based communication network and includes a desktop computer, a notebook, or the PC connected to the TCP / IP based communication network. It is preferable to include at least one home appliance terminal (eg, Set-Top-Box, etc.) connected to a TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network.

The wireless terminal is a generic term for all terminal apparatuses connected to a code division multiple access (CDMA) based mobile communication network and all terminal apparatuses connected to a portable Internet based on IEEE 802.1xx, and includes a personal communication terminal connected to the CDMA based mobile communication network ( Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminals or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminals or Personal Digital Assistants (PDAs) or smartphones (Smart Phone) or Telematics, or at least one or more portable Internet terminals connected to the IEEE 802.1xx-based portable Internet.

In addition, the integrated point configuration server 100 connected to the client terminal 860 is any one of an Internet banking server, a wireless banking server, a tele banking server or a TV banking server according to the characteristics of the client terminal 860 and the communication network. Or, preferably comprises a separate web server for the information registration.

In addition, the communication network connecting the client terminal 860 and the integrated point configuration server 100 may be a CDMA based mobile communication network or an IEEE 802.1xx based portable Internet according to the type of wireless communication network to which the client terminal 860 is connected. Either one of them, or it is preferable to include all kinds of wireless communication networks proposed in the future including a wireless section.

In addition, the client terminal 860 outputs at least one or more user interfaces provided by the integration point configuration server 100, and inputs or selects at least one or more information through the user interface to configure the integration point configuration server 100. It is preferable that a function configuration (for example, a browser program and a communication function, or a communication program and a communication function for communicating with the integration point configuration server 100, etc.) for transmission to the mobile phone is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 860 corresponding to at least one wired terminal or a wireless terminal, and thus a detailed description thereof is omitted for convenience. do.

In the integrated point configuration system as described above, connecting the client terminal 860 including at least one wired terminal or a wireless terminal used by the customer, the client terminal 860 and the integrated point configuration server 100 At least one communication network performs a function of a non-face-to-face information registration interface for the customer to register the integration point configuration information for the integrated operation of the individual points for each of the plurality of financial affiliates.

According to another exemplary embodiment of the present invention, the customer may include, in addition to the client terminal 860, an automatic teller machine (ATM) and a cash dispenser connected to a financial network (for example, a financial common network); A call terminal (not shown) further comprising a financial automation device (not shown) including a CD) or connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. It further comprises, or further comprises a communication terminal (not shown) connected to a wireless telephone network, such as a mobile communication network, wireless VoIP network, or a terminal (or provided in at least one or more institutions affiliated with the financial institution) Server (not shown) can further be used to register the integration point configuration information, whereby the present invention is not limited.

In the integrated point configuration system as described above, when the customer registers the integrated point configuration information by using the automated teller machine (not shown), the automated teller machine (not shown) and the automated teller machine (not shown) ) And the integrated network connecting the integrated point configuration server 100 may provide a function of a non-face-to-face information registration interface for registering the integrated point configuration information for the integrated operation of individual points of the plurality of financial affiliates. Or when the customer registers the integration point configuration information using the call terminal (not shown), the call terminal (not shown), the call terminal (not shown), and the integration point configuration server 100. Wired or wireless telephone network connecting the customer to the integrated operation of the individual points of the plurality of financial affiliates To perform the function of a non-face-to-face information registration interface for registering the integration point configuration information, or the integration using the terminal (or server) (not shown) provided in the institution affiliated with the financial institution; When the point configuration information is registered, a network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the integrated point configuration server 100 may be configured by the customer. It performs the function of non-face-to-face information registration interface for registering integration point configuration information for integrated operation of individual points by affiliates.

The storage medium 855 provided on the integrated point configuration system according to the present invention is the point information for each of the two or more affiliates constituting the integrated point and the customer information, the point reflection ratio information for each affiliate and equality according to the point reflection ratio It is characterized in that the storage point 855 stores the integrated point operation information including one or more points, the integrated point information, the prepaid integration point information and the point operating account information.

The customer information is information for identifying common customers of the plurality of financial affiliates among customers registered with a plurality of financial affiliates including one or more banks, card companies, securities companies, and insurance companies, and the personal information (eg, name of the customer). , Social security number, address, contact information) to member information (eg, customer number, customer account) is preferably included one or more.

The point information for each of the two or more affiliates constituting the integration point is provided to the customer corresponding to the customer information in the financial affiliate corresponding to the affiliate information based on the customer information and the two or more affiliate information included in the integration point configuration information. It is preferable to include the point information obtained by converting the points for each affiliate to the equivalent cash value.

Here, the value of the equivalent money exchange value means that the value of the real money cash per unit point when the two or more affiliated points constituting the integration point in the real currency unit, the currency exchange rate to the same value.

For example, the consolidated point under the condition that the individual point 1 of the affiliate 1 has a refund value of 1 won per 100 points and the individual point 2 of the affiliate 2 has a refund value of 1 won per 10 points. If 1 has an equivalent cash value of one won per point, the individual point 1 is converted to 0.01 points and the individual point 2 is converted to 0.1 points.

The point reflection ratio information for each affiliate is equal to the integrated point among the points for each affiliate provided to the customer corresponding to the customer information by each affiliate corresponding to two or more affiliate information included in the integrated point configuration information. It is preferable to include the point reflection ratio to be collected.

For example, if the percentage of the point of reflection of the individual points 1 of the affiliated company 1 is 50%, only 50% of the points for each affiliated company provided to the customer corresponding to the customer information by the affiliated company 1 are collected at an equivalent cash value. In contrast to the integration point, the remaining 50% remains the individual point 1 of the affiliate company 1.

If the point reflection ratio of each affiliate is fixed to 100%, the point reflection ratio information of each affiliate may be omitted from the integrated point configuration information, and thus the present invention is not limited thereto.

According to the method of the present invention, when the prepaid integration point information corresponding to the prepaid request integrated point information (or the integrated point prepaid policy of the integrated point operator) is generated, the point reflection ratio information for each affiliate is It is preferable to further comprise a distribution ratio (or settlement ratio) for each affiliate for the prepaid integration point information.

If the distribution ratio (or settlement ratio) for each affiliate for the advance payment integration point information is equally distributed (or distributed according to the policy of the integration point operator), the distribution ratio for each affiliate for the advance payment integration point information (Or settlement ratio) point reflection ratio information for each subsidiary may be omitted, and thus the present invention is not limited thereto.

Further, when the prepaid integration point information corresponding to the prepaid request integrated point information (or the integrated point prepaid policy of the integrated point operator) is generated, the point reflection ratio information for each affiliate is the prepaid integration point information. Preferably, the distribution ratio (or settlement ratio) for each affiliate is further included in the prepaid settlement point reflecting ratio to settle the prepaid payment integration point among the individual points that are allocated to the customer in each assigned affiliate.

If the prepayment settlement point reflection rate to settle the prepayment integration point is fixed at 100%, or if each affiliate is equal to the ratio of individual points per affiliate to be included in the integration point, the prepayment integration point is settled. Point reflection ratio information for each subsidiary including a prepayment settlement point reflection ratio may be omitted, and the present invention is not limited thereto.

The integrated point information having the same amount of refund according to the point reflecting ratio is equal to individual points for each affiliate corresponding to the customer information in an affiliate corresponding to two or more affiliated companies included in the integrated point configuration information according to the point reflecting ratio information. An integration point collected at a cash value, wherein the integration point corresponds to an individual point for each affiliate included in the integration point before, at the same time as the generation of the integration point information, or within a certain period of time after the generation, in order to have an equivalent cash flow. Preferably, an amount corresponding to the refund value of the individual point for each affiliated company from the affiliated company is automatically processed to be deposited to the integrated point operating institution.

The prepaid integration point information is integrated point information that is prepaid to the customer in response to prepaid request integration point information (or integrated point prepaid policy of the integration point operator) included in the integration point configuration information. Point investment products provided by one or more financial affiliates, Point investment products provided by affiliates affiliated with one or more financial affiliates of the plurality of financial affiliates, Points provided by affiliates of one or more financial affiliates of the plurality of financial affiliates It is desirable to include integrated point information that can be refunded beyond the minimum investment amount that can be invested in the investment product.

According to an embodiment of the present invention, when there is an integration point generated based on one or more effective individual points for each affiliate provided to the customer in the affiliate, the advance payment integration point information may include the advance payment request integration point information ( Alternatively, it is preferable to include an integration point obtained by subtracting integration points generated based on individual points for each affiliated company in a prepaid integration point corresponding to the integration point prepayment policy of the integration point operator.

According to another exemplary embodiment of the present invention, when there is no integration point generated based on at least one valid individual point for each affiliate provided by the affiliate to the customer, the prepaid payment integration point information is the prepayment request integration point. It is preferable to include the prepaid integration point corresponding to the information (or the integration point advance payment policy of the integration point operator) as it is.

The point operation account information may include an integrated point (or prepaid integrated point) having an equal refund value by collecting individual points for one or more affiliated companies provided to a customer from a plurality of financial affiliates according to the integrated point configuration information at an equal refund value. Point account information of the customer name to be deposited, or the financial account information of the customer name to which the cash for converting the integration point in real currency unit is preferably included.

If one or more affiliated points provided by a plurality of financial affiliates to customers according to the integrated point configuration information are collected at an equal refund value, an integrated point (or a prepaid integrated point) having an equal refundability is not managed through the account. In this case (eg, when managed through a customer account stored in a separate storage medium 855), the point operating account information may be omitted, and the present invention is not limited thereto.

According to one embodiment of the invention, the storage medium 855 is preferably provided in a DBMS on a financial system provided on the integration point configuration system (or associated with the integration point configuration system), wherein The storage medium 855 may be a ledger D / B provided in the DBMS on the financial system, or a database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 855 is one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the integrated point configuration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The integrated point configuring server 100 provided on the integrated point configuring system according to the present invention is a generic term for the integrated point configuring system side component connected to the client terminal 860 through a communication network, and includes at least one server ( Or an apparatus) or at least one program recorded on a recording medium provided in a server (or apparatus), and the present invention is not limited thereto.

When the client terminal 860 is a wired terminal according to an embodiment of the present invention, the integrated point configuration server 100 is an Internet banking server provided on the Internet banking system, or is provided in the Internet banking server A program or a server (or device) accessible to the outside world of the financial system through the Internet banking system, a program included in the server (or device), or the Internet banking server (or the server (or device) It may be a server (or device) provided in the external system on the financial system accessible through)), or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the client terminal 860 is a wireless terminal, the integrated point configuration server 100 is a wireless banking server provided on the wireless banking system, or provided in the wireless banking server. Program or a server (or device) accessible to the outside world of the financial system through the wireless banking system, a program included in the server (or device), or the wireless banking server (or the server ( Or a server (or device) provided in the external system on the financial system accessible through the device)), or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the integration point configuration server 100 is a telebanking server (eg, an Automatic Response Service (ARS) server) provided on the telebanking system, or the telebanking server. A program provided, or a server (or device) accessible to the outside world of the financial system through the telebanking system, a program included in the server (or device), or the telebanking server (or the server ( Or a server (or device) provided in the external system on the financial system accessible through the device)), or a program provided in the external system on the financial system, and the present invention is not limited thereto.

Alternatively, the integrated point configuration server 100 is a TV banking server provided on the TV banking system, or a program provided on the TV banking server, or accesses the external system of the financial system through the TV banking system. A server (or device) capable of being a server (or device), a program included in the server (or device), or a server (or being provided in an external system on the financial system accessible through the TV banking server (or the server (or device)). Device) or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the integrated point configuration server 100 is characterized in that it comprises an interface unit 800 for connecting and managing a communication channel with the client terminal 860 through the communication network.

When the client terminal 860 is a wired terminal according to an embodiment of the present invention, the interface unit 800 connects a communication channel with the client terminal 860 based on a protocol stack defined in the communication network, It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal 860.

For example, when the client terminal 860 is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 800 may be connected to the client terminal 860 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal 860 is provided with a communication program (eg, an internet banking program) provided by the integrated point configuration server 100, the interface unit 800 is based on the TCP / IP protocol. It connects a communication channel with the client terminal 860 and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the client terminal 860 is a wireless terminal, the interface unit 800 connects a communication channel with the client terminal 860 based on a protocol stack defined in the wireless communication network. In addition, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal 860.

For example, when the client terminal 860 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol, the interface unit 800 is based on the CDMA protocol, the client terminal 860 ) And a communication interface for transmitting / receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information using a WAP / ME protocol defined in the browser program. to provide.

Alternatively, when the client terminal 860 is provided with a communication program (eg, IC chip based banking program) provided by the integrated point configuration server 100, the interface unit 800 is based on the CDMA protocol. It connects a communication channel with the client terminal 860 and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the client terminal 860 is a financial automation device connected to a financial network, the interface unit 800 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) by using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the client terminal 860 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 800 is defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting a call terminal (not shown) and a call path based on a voice call protocol and transmitting and receiving information (or data) based on the voice call.

For example, the interface unit 800 provides a communication interface for transmitting and receiving DTMF (Dual Tone MultiFrequency) based information through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. do.

According to another exemplary embodiment of the present invention, when the client terminal 860 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface unit 800 may include a protocol stack defined in the TV banking system. Connects a communication channel with the wired terminal (or bidirectional digital TV) based on the above, and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 8, after the client terminal 860 connects a communication channel with the integration point configuration server 100 through the interface unit 800, the interface unit 800 is connected. ) And the client terminal 860 in conjunction with the customer information, two or more affiliate information, point reflection ratio information for each affiliate, prepayment request integration point information and point operation account information (or account opening application information) (or account opening application) An interface provider 805 for generating (or extracting) a user interface for inputting (or selecting) and transmitting integration point configuration information including one or more information) to the client terminal 860; Integrated port for input (or select) and transmit from the client terminal 860 via the user interface in conjunction with (800) Information receiving unit 810 for receiving the network configuration information, a validity checking unit 815 for checking the validity of the received integrated point configuration information, and the customer information included in the validated integration point configuration information; Point reflectance ratio information for each affiliate among individual points for each affiliate provided to a customer corresponding to the customer information from an affiliate server 110 corresponding to the affiliate information based on two or more affiliate information and point reflection ratio information for each affiliate An individual point receiving unit 820 (or an individual point receiving unit) for receiving individual points for each affiliate to be collected according to the integration point, and an individual point converting unit for converting the individual points for each affiliated affiliate into an equivalent money value 825. (Or individual point converting means) and individual points of two or more affiliates converted to equivalent cash value The integrated point generating unit 830 (or integrated point generating means) for generating integrated point information by collecting the prepaid payment request integrated point information (or integrated point prepaid by the integrated point operator) included in the integrated point configuration information; Prepayment integration point generation unit 835 (or prepayment sum point generating means) for generating prepayment integration point information corresponding to a policy), and an equivalent money repayment processing unit 840 for processing the integration point information to have equivalent money remittance. (Or equivalent cash flow processing means) and the point operating account information in the integrated point configuration information, in connection with the financial system in which the point operating account is opened, the point operating account information of the customer name corresponding to the customer information. The financial system, if the confirmation or, if the integration point configuration information includes the account opening application information An account opening / verification unit 845 (or an account opening / verification means) for opening a point operation account in the name of the customer corresponding to the customer information in association with the system; and a storage medium corresponding to the opened / verified point operation account. 855 (or a separate storage medium 855) the integrated point having the same information according to the two or more affiliates constituting the customer information and the integration point, the point reflection ratio information for each affiliate and the point reflection ratio And an information storage unit 850 (or information storage means) for storing the integrated point management information including one or more information, prepaid integrated point information and point operating account information.

The interface providing unit 805 connects a communication channel with the integration point configuration server 100 through the interface unit 800, and then the functional configuration provided in the client terminal 860. Correspondingly, inputting (or selecting) the integration point configuration information to generate a user interface capable of transmitting to the integration point configuration server 100 through the communication network, or extracting from a database (not shown), the interface unit ( In operation 800, the generated (or extracted) user interface may be provided to the client terminal 860 through the communication network.

Thereafter, the client terminal 860 based on the user interface, the customer information, two or more affiliate information, point reflection ratio information for each affiliate, prepaid payment request integrated point information and point operation account information (or account opening application information) Input (or select) the integration point configuration information including at least one, and transmits the input (or selected) integration point configuration information to the integration point configuration server 100 through the financial network.

According to an embodiment of the present invention, when the client terminal 860 is a client terminal 860 including a wired terminal or a wireless terminal connected to a communication network, the interface providing unit 805 may be connected to the client terminal 860. It is preferable to generate (or extract) a user interface that can be provided by the provided browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal 860 through the interface unit 800. .

According to another exemplary embodiment of the present invention, when the client terminal 860 is a financial automation device connected to a financial network, the interface provider 805 may provide a user with a financial transaction related program included in the financial automation device. It is preferable to generate (or extract) an interface and provide the generated (or extracted) user interface to the ATM using the interface unit 800.

According to another exemplary embodiment of the present invention, when the client terminal 860 is a client terminal 860 including a wireless terminal connected to a wireless communication network, the interface provider 805 may be connected to the client terminal 860. It is preferable to generate (or extract) a user interface that can be provided by the provided browser program or communication program, and provide the generated (or extracted) user interface to the client terminal 860 through the interface unit 800. Do.

According to another exemplary embodiment of the present invention, when the client terminal 860 is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 805 is connected to the call terminal (not shown). Creating (or extracting) a user interface that can be provided, and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 800. desirable.

According to another exemplary embodiment of the present invention, when the client terminal 860 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 805 is the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a user interface that can be provided and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 800.

According to another exemplary embodiment of the present invention, the client terminal 860 includes at least one user interface for inputting (or selecting) the integration point configuration information to the integration point configuration server 100 through the communication network. When the information registration program is provided, the interface providing unit 805 for providing the user interface to the client terminal 860 may be omitted, and the present invention is not limited thereto.

The information receiving unit 810 is the client terminal 860 through the user interface, the customer information and two or more affiliate information, the point reflecting ratio information for each affiliate, prepayment request integration point information and point operating account information (or open an account) And inputting (or selecting) integration point configuration information including at least one request information) through the communication network to receive the integration point configuration information in association with the interface unit 800. The received integration point configuration information is provided to the validity checker 815.

The validity confirming unit 815 is configured to check whether the integrated point configuration information received from the client terminal 860 satisfies the validity for the integrated operation of individual points of a plurality of financial affiliates.

According to an embodiment of the present invention, the validation of the integration point configuration information is linked with an affiliate server 110 corresponding to the affiliate information based on the customer information included in the integration point configuration information and two or more affiliate information. It is preferable to include whether to check whether the customer corresponding to the customer information is registered in the affiliated company.

In addition, the validation of the integration point configuration information, if the point management account information is included in the integration point configuration information, on the financial system opened the point management account through the customer information included in the integration point configuration information And checking whether a customer corresponding to the customer information is registered, and checking whether an account corresponding to the point operating account information is opened under the customer name.

When the validity of the integration point configuration information is confirmed, the individual point receiving unit 820 accesses an affiliated server server 110 corresponding to each affiliated company information included in the validated integrated point configuration information, and connects to the affiliated server. Providing the customer information to 110 to identify individual points for each affiliate provided by the affiliate to the customer corresponding to the customer information, and corresponding to the point reflecting ratio information for each affiliate among the identified individual points for the affiliate Characterized by receiving the individual point (= individual point for each affiliate to be aggregated to the integration point) for each affiliate.

According to an embodiment of the present invention, the individual point receiving unit 820 may correspond to the customer information in an affiliate server (not shown) affiliated with one or more financial affiliates of the plurality of financial affiliates in addition to the affiliate server 110. A plurality of affiliate individual points provided to the plurality of affiliated points that are provided to the customer corresponding to the customer information in the affiliate server (not shown) or the merchant terminal (not shown) of one or more financial affiliates of the plurality of financial affiliates. It is possible to receive as individual points for each affiliate associated with a financial affiliate, and it is clear that in the present invention, the individual points for each affiliate can be made by including one or more of the affiliate points and affiliated points.

Individual point information for each affiliate to be collected at the integration point of the customer corresponding to the customer information from each affiliate server 110 corresponding to two or more affiliate information included in the integration point configuration information through the individual point receiving unit 820 When received, the individual point conversion unit 825 is characterized in that for converting the individual points for each affiliated company to an equivalent money value.

For example, the consolidated point under the condition that the individual point 1 of the affiliate 1 has a refund value of 1 won per 100 points and the individual point 2 of the affiliate 2 has a refund value of 1 won per 10 points. If 1 has an equivalent cash value of one won per point, it is preferable that the individual point converting unit 825 converts the individual point 1 to 0.01 point and converts the individual point 2 to 0.1 point. Do.

The integrated point generator 830 is received by each of two or more affiliated servers 110 through the individual point receiver 820 and converted into an equivalent money value by the individual point converter 825 for each of two or more affiliated companies. The integrated point information may be generated by collecting individual points.

The prepayment integration point generation unit 835 generates prepayment integration point information corresponding to prepayment request integration point information (or integration point prepayment policy of the integration point operator) included in the integration point configuration information. It features.

According to an exemplary embodiment of the present invention, the pre-paid integration point information is a point investment product provided by the one or more financial affiliates, the point investment product provided by one or more financial affiliates, and a point investment provided by an affiliated company affiliated with one or more financial affiliates of the plurality of financial affiliates. It is preferable to include integrated point information that can be refunded more than the minimum investment amount that can be invested in the product, the point investment products provided by the affiliated stores of one or more financial affiliates of the plurality of financial affiliates.

According to another exemplary embodiment of the present invention, when valid integration point information is generated by combining individual points of two or more affiliates through the integration point generation unit 830, the prepaid integration point information may be used to determine the integration point. Point investment products provided by one or more financial affiliates, Point investment products provided by affiliates affiliated with one or more financial affiliates of the plurality of financial affiliates, Point investment products provided by affiliates of one or more financial affiliates of the plurality of financial affiliates It is preferable to include integration points obtained by subtracting valid integration points by collecting individual points of each of the two or more affiliated companies from the prepaid integration points generated to be able to repay more than the minimum investment amount that can be invested in.

The equivalency repayment processing unit 840 before, or at the same time as, generating the integration point information (or prepayment integration point information) in order to grant equality to the generated integration point information (or advance payment integration point information), or Process to automatically deposit an amount corresponding to the refund value of the individual point for each affiliate from the affiliate server 110 corresponding to the individual point for each affiliate included in the integration point to the integration point operator within a predetermined period of time. It features.

According to one embodiment of the present invention, each affiliate corresponding to an individual point for each affiliate included in the integration point deposits a certain amount of money to the integration point operating institution to provide an equivalent money refund for the integration point. Refund processing unit 840 is preferably the ledger that the amount of money deposited in each affiliate included in the integration point corresponding to the value of the individual points of each affiliate included in the integration point included in the integration point.

According to the exemplary embodiment of the present invention, the equivalent money repayment processing unit 840 requests each affiliate server 110 to deposit an amount corresponding to the refund value of each individual affiliate point included in the integration point, and correspondingly. Therefore, it is preferable to transfer and receive an amount corresponding to the refund value of individual points for each affiliate from each affiliate account.

When the integration point is managed through a point management account, the account establishment / verification unit 845 opens (or confirms) a point operation account in the name of a customer who will manage the integration point.

Here, the point operating account preferably comprises a point account of the customer name for depositing the generated integration point, the point account is characterized in that the integration point is deposited directly, not cash in real currency unit do.

Alternatively, the point operating account may include a financial account in the name of the customer who deposits the generated integrated points by converting the cash into real money, and the financial account is in the form of an additional information ledger. The integrated point deposit information is stored in association with the account ledger corresponding to the financial account.

According to an embodiment of the present invention, when the integrated point configuration information includes the point management account information, the account opening / confirmation unit 845 corresponds to the customer information in connection with the financial system in which the point operation account is opened. It is desirable to check the point operation account information in the name of the customer.

According to another embodiment of the present invention, when the integration point configuration information includes the account opening application information, the account opening / confirmation unit 845 is linked to the financial system point of the customer name corresponding to the customer information It is desirable to open a working account.

According to another embodiment of the present invention, when the integration point is not managed through the point management account (for example, when managed through a customer account provided in a separate storage medium 855), the point operation account is opened ( Fig. 2) is not required, and the present invention is not limited thereto.

If the point management account for managing the integration point is opened (or confirmed) by the account opening / confirmation unit 845, the information storage unit 850 stores corresponding to the point operation account opened (or confirmed). Point information for each of the two or more affiliated companies constituting the integrated point with the customer information, integrated point information and prepaid integrated point information and points having the same amount of money repayment according to the point reflected ratio on the medium 855 And store the integrated point operating information including one or more operating account information.

The storing of the integrated point operating information in the storage medium 855 corresponding to the point operating account includes depositing the generated integrated point in a point account of the customer's name, or realizing the generated integrated point. Converting into cash in units of money and depositing in a financial account under the name of the customer, and storing the integrated point deposit information of the deposits in the financial account in an additional information ledger associated with the account ledger corresponding to the financial account; It is preferable to make.

Alternatively, when the integration point is not managed through a point operating account (eg, when managed through a customer account provided in a separate storage medium 855), the information storage unit 850 manages the integration point. Point information for each of two or more affiliates constituting the customer information and the integrated point in the storage medium 855, integrated point information and prepaid integrated point information having the same amount of money repayment according to the point reflected ratio information for each affiliated company And the integrated point operating information including one or more point operating account information.

FIG. 9 is a diagram illustrating storing integrated points in a point operating account provided in ledger D / B provided in a DBMS on a financial system according to an embodiment of the present invention.

In more detail, in FIG. 9, when the storage medium 855 illustrated in FIG. 8 is a ledger D / B provided in a DBMS on a financial system, the figure corresponds to a point operating account among the ledger information provided in the ledger D / B. Additional information of the account ledger Point information for each of the two or more affiliates constituting the integrated point with the customer information, point reflectance ratio information for each affiliate, and integrated point information and prepaid integrated point information having equal money repayment according to the point reflection ratio The present invention relates to a method for storing integrated point management information including one or more point operating account information, and those skilled in the art to which the present invention pertains may refer to and / or modify the present invention. Various implementation methods for storing the integrated points in the point operating account provided in the D / B may be inferred, but the present invention It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to Figure 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is the customer ledger, and the account ledger associated with the customer ledger (for example, the reception ledger, loans) Ledger, etc.) and at least one information associated with the account ledger, but if the person having ordinary knowledge in the technical field to which the present invention belongs, the ledger D / B provided in the DBMS on the financial system In addition to the customer ledger and account ledger shown in FIG. 9, at least one ledger (eg, loan ledger, mortgage ledger, ..., etc.) or at least one additional ledger for maintaining and managing the ledgers is further included. Since it will be clearly understood, and will be familiar with specific technical matters, the detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 9, the ledger corresponds to a ledger corresponding to a point operating account including any one of a point account or a financial account in a customer's name, and the customer information of the integrated point operating information is linked to the account ledger. The integrated point operation account information of the integrated point operation information stored in the ledger is stored in the account ledger, and the additional information ledger associated with the account ledger is formed by two or more affiliated companies constituting the integrated point of the integrated point operation information. Point information, the point reflection ratio information for each affiliate, and integrated point information having the same amount of money according to the point reflection ratio is characterized in that the link is stored.

Here, the point information for each of the two or more affiliates constituting the integration point, the customer corresponding to the customer information in the financial affiliates corresponding to the affiliate information based on the customer information and the two or more affiliate information included in the integration point configuration information It is preferable to include the point information converted from each point of each affiliate provided to the equivalent money value.

Here, the value of the equivalent money exchange value means that the value of the real money cash per unit point when the two or more affiliated points constituting the integration point in the real currency unit, the currency exchange rate to the same value.

For example, the consolidated point under the condition that the individual point 1 of the affiliate 1 has a refund value of 1 won per 100 points and the individual point 2 of the affiliate 2 has a refund value of 1 won per 10 points. If 1 has an equivalent cash value of one won per point, the individual point 1 is converted to 0.01 points and the individual point 2 is converted to 0.1 points.

The point reflection ratio information for each affiliate is equal to the integrated point among the points for each affiliate provided to the customer corresponding to the customer information by each affiliate corresponding to two or more affiliate information included in the integrated point configuration information. It is preferable to include the point reflection ratio to be collected.

For example, if the percentage of the point of reflection of the individual points 1 of the affiliated company 1 is 50%, only 50% of the points for each affiliated company provided to the customer corresponding to the customer information by the affiliated company 1 are collected at an equivalent cash value. In contrast to the integration point, the remaining 50% remains the individual point 1 of the affiliate company 1.

If the point reflection ratio of each affiliate is fixed to 100%, the point reflection ratio information of each affiliate may be omitted from the integrated point configuration information, and thus the present invention is not limited thereto.

According to the method of the present invention, when the prepaid integration point information corresponding to the prepaid request integrated point information (or the integrated point prepaid policy of the integrated point operator) is generated, the point reflection ratio information for each affiliate is It is preferable to further comprise a distribution ratio (or settlement ratio) for each affiliate with respect to the prepaid integration point information.

If the distribution ratio (or settlement ratio) for each affiliate for the advance payment integration point information is equally distributed (or distributed according to the policy of the integration point operator), the distribution ratio for each affiliate for the advance payment integration point information (Or settlement ratio) point reflection ratio information for each subsidiary may be omitted, and thus the present invention is not limited thereto.

Further, when the prepaid integration point information corresponding to the prepaid request integrated point information (or the integrated point prepaid policy of the integrated point operator) is generated, the point reflection ratio information for each affiliate is the prepaid integration point information. Preferably, the distribution ratio (or settlement ratio) for each affiliate is further included in the prepaid settlement point reflecting ratio to settle the prepaid payment integration point among the individual points that are allocated to the customer in each assigned affiliate.

If the prepayment settlement point reflection rate to settle the prepayment integration point is fixed at 100%, or if each affiliate is equal to the ratio of individual points per affiliate to be included in the integration point, the prepayment integration point is settled. Point reflection ratio information for each subsidiary including a prepayment settlement point reflection ratio may be omitted, and the present invention is not limited thereto.

The integrated point information having the same amount of refund according to the point reflecting ratio is equal to individual points for each affiliate corresponding to the customer information in an affiliate corresponding to two or more affiliated companies included in the integrated point configuration information according to the point reflecting ratio information. An integration point collected at a cash value, wherein the integration point corresponds to an individual point for each affiliate included in the integration point before, at the same time as the generation of the integration point information, or within a certain period of time after the generation, in order to have an equivalent cash flow. Preferably, an amount corresponding to the refund value of the individual point for each affiliated company from the affiliated company is automatically processed to be deposited to the integrated point operating institution.

The prepaid integration point information is integrated point information that is prepaid to the customer in response to prepaid request integration point information (or integrated point prepaid policy of the integration point operator) included in the integration point configuration information. Point investment products provided by one or more financial affiliates, Point investment products provided by affiliates affiliated with one or more financial affiliates of the plurality of financial affiliates, Points provided by affiliates of one or more financial affiliates of the plurality of financial affiliates It is desirable to include integrated point information that can be refunded beyond the minimum investment amount that can be invested in the investment product.

According to an embodiment of the present invention, when there is an integration point generated based on individual points for each of the effective one or more affiliates provided to the customer, the advance payment integration point information is the advance payment request integration point information. It is preferable to include an integration point obtained by subtracting integration points generated based on individual points for each of the affiliated companies in the prepaid integration points corresponding to the integration point prepaid policy of the integration point operator.

According to another exemplary embodiment of the present invention, when there is no integration point generated based on at least one valid individual point for each affiliate provided by the affiliate to the customer, the prepaid payment integration point information is the prepayment request integration point. It is preferable to include the prepaid integration point corresponding to the information (or the integration point advance payment policy of the integration point operator) as it is.

FIG. 10 is a diagram for storing integration point operation information in a database associated with ledger D / B provided in a DBMS on a financial system according to another embodiment of the present invention.

In more detail, in FIG. 10, when the storage medium 855 shown in FIG. 8 is a database linked to the ledger D / B provided in the DBMS on the financial system, the customer is connected to the database linked to the ledger D / B. Information and point information for each of the two or more affiliates constituting the integration point, the information on the point reflection rate for each affiliate, and the integrated point information having the same amount of money according to the point reflection ratio, the prepaid integrated point information and the point operating account information. An embodiment of the present invention relates to a method of storing the integrated point operation information. If a person of ordinary skill in the art of the present invention belongs to the present invention, reference to and / or modification of the drawing 10 may be performed in the database associated with the ledger D / B. Various implementation methods for storing integration point operational information may be inferred, but the present invention is inferred from the above. Includes all implementation methods and is not limited to the implementation method illustrated in FIG. 10.

In particular, in FIG. 10, when the integrated point operation information is not easily stored in the ledger information of the ledger D / B on the DBMS provided in the financial system (for example, the policy of the financial institution, the ledger D / B of the DBMS). Is not easy to change, or the system is not easy to expand due to the nature of the financial system), store the integration point operation information in a database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method of the cooperative processing and storing.

In addition, the database shown in FIG. 10 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 10, and the database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 10, the database is linked with the ledger D / B including the customer ledger shown in FIG. 9 by linking the integrated point operation information and the CIF number, whereby the customer information of the integrated point operation information is Stored in the customer ledger associated with the account ledger, integrated point operating account information of the integrated point operating information is stored in the account ledger, the database is the point information for each of the two or more affiliates constituting the integration point and the point for each affiliate Characterized in that the reflection ratio information and the integrated point information having the same amount of money according to the point reflection ratio is stored in association.

Here, the point information for each of the two or more affiliates constituting the integration point, the customer corresponding to the customer information in the financial affiliates corresponding to the affiliate information based on the customer information and the two or more affiliate information included in the integration point configuration information It is preferable to include the point information converted from each point of each affiliate provided to the equivalent money value.

Here, the value of the equivalent money exchange value means that the value of the real money cash per unit point when the two or more affiliated points constituting the integration point in the real currency unit, the currency exchange rate to the same value.

For example, the consolidated point under the condition that the individual point 1 of the affiliate 1 has a refund value of 1 won per 100 points and the individual point 2 of the affiliate 2 has a refund value of 1 won per 10 points. If 1 has an equivalent cash value of one won per point, the individual point 1 is converted to 0.01 points and the individual point 2 is converted to 0.1 points.

The point reflection ratio information for each affiliate is equal to the integrated point among the points for each affiliate provided to the customer corresponding to the customer information by each affiliate corresponding to two or more affiliate information included in the integrated point configuration information. It is preferable to include the point reflection ratio to be collected.

For example, if the percentage of the point of reflection of the individual points 1 of the affiliated company 1 is 50%, only 50% of the points for each affiliated company provided to the customer corresponding to the customer information by the affiliated company 1 are collected at an equivalent cash value. In contrast to the integration point, the remaining 50% remains the individual point 1 of the affiliate company 1.

If the point reflection ratio of each affiliate is fixed to 100%, the point reflection ratio information of each affiliate may be omitted from the integrated point configuration information, and thus the present invention is not limited thereto.

According to the method of the present invention, when the prepaid integration point information corresponding to the prepaid request integrated point information (or the integrated point prepaid policy of the integrated point operator) is generated, the point reflection ratio information for each affiliate is It is preferable to further comprise a distribution ratio (or settlement ratio) for each affiliate with respect to the prepaid integration point information.

If the distribution ratio (or settlement ratio) for each affiliate for the advance payment integration point information is equally distributed (or distributed according to the policy of the integration point operator), the distribution ratio for each affiliate for the advance payment integration point information (Or settlement ratio) point reflection ratio information for each subsidiary may be omitted, and thus the present invention is not limited thereto.

Further, when the prepaid integration point information corresponding to the prepaid request integrated point information (or the integrated point prepaid policy of the integrated point operator) is generated, the point reflection ratio information for each affiliate is the prepaid integration point information. Preferably, the distribution ratio (or settlement ratio) for each affiliate is further included in the prepaid settlement point reflecting ratio to settle the prepaid payment integration point among the individual points that are allocated to the customer in each assigned affiliate.

If the prepayment settlement point reflection rate to settle the prepayment integration point is fixed at 100%, or if each affiliate is equal to the ratio of individual points for each affiliate included in the integration point, the prepayment integration point is settled. Point reflection ratio information for each subsidiary including a prepaid settlement point reflection ratio to be processed may be omitted, and thus the present invention is not limited thereto.

The integrated point information having the same amount of refund according to the point reflecting ratio is equal to individual points for each affiliate corresponding to the customer information in an affiliate corresponding to two or more affiliated companies included in the integrated point configuration information according to the point reflecting ratio information. An integration point collected at a cash value, wherein the integration point corresponds to an individual point for each affiliate included in the integration point before, at the same time as the generation of the integration point information, or within a certain period of time after the generation, in order to have an equivalent cash flow. Preferably, an amount corresponding to the refund value of the individual point for each affiliated company from the affiliated company is automatically processed to be deposited to the integrated point operating institution.

The prepaid integration point information is integrated point information that is prepaid to the customer in response to prepaid request integration point information (or integrated point prepaid policy of the integration point operator) included in the integration point configuration information. Point investment products provided by one or more financial affiliates, Point investment products provided by affiliates affiliated with one or more financial affiliates of the plurality of financial affiliates, Points provided by affiliates of one or more financial affiliates of the plurality of financial affiliates It is preferable to include integrated point information that can be refunded beyond the minimum investment amount that can be invested in the investment product.

According to an embodiment of the present invention, when there is an integration point generated based on one or more effective individual points for each affiliate provided to the customer in the affiliate, the advance payment integration point information may include the advance payment request integration point information ( Alternatively, it is preferable to include an integration point obtained by subtracting integration points generated based on individual points for each affiliated company in a prepaid integration point corresponding to the integration point prepayment policy of the integration point operator.

According to another exemplary embodiment of the present invention, when there is no integration point generated based on at least one valid individual point for each affiliate provided by the affiliate to the customer, the prepaid payment integration point information is the prepayment request integration point. It is preferable to include the prepaid integration point corresponding to the information (or the integration point advance payment policy of the integration point operator) as it is.

FIG. 11 is a diagram illustrating storing integration point operation information in a database external to a financial system according to another exemplary embodiment of the present invention.

In more detail, in FIG. 11, the storage medium 855 shown in FIG. 8 is provided in a DBMS provided in an internet banking system, a telebanking system, a wireless banking system, or a banking server provided on a TV banking system. In the case of a database, the point information for each of the two or more affiliated companies constituting the integrated point with the customer information, the point reflection ratio information for each affiliated company, and the integrated point information and the prepaid integration point having the same amount of refund according to the point reflection ratio in the external database. An embodiment of the present invention relates to a method of storing integrated point operation information including one or more information and point operating account information. Those skilled in the art to which the present invention pertains may refer to and / or modify the present disclosure. Various implementations that store integration point operational information in a database The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 11, the DBMS provided in the banking server includes customer information included in the integrated point operation information, point information for two or more affiliates constituting an integrated point, point reflection ratio information for each affiliate company, and the point reflection ratio. It characterized in that the integrated point information having the same amount of refund according to the prepaid integrated point information and the point operating account information and stored in association with one or more.

Here, the customer information is information for identifying common customers of the plurality of financial affiliates among customers registered with a plurality of financial affiliates including one or more banks, card companies, securities companies, and insurance companies, and the personal information (eg, , Name, resident registration number, address, contact information) to member information (eg, customer number, customer account) is preferably included one or more.

The point information for each of the two or more affiliates constituting the integration point is provided to the customer corresponding to the customer information in the financial affiliate corresponding to the affiliate information based on the customer information and the two or more affiliate information included in the integration point configuration information. It is preferable to include the point information obtained by converting the points for each affiliate to the equivalent cash value.

Here, the value of the equivalent money exchange value means that the value of the real money cash per unit point when the two or more affiliated points constituting the integration point in the real currency unit, the currency exchange rate to the same value.

For example, the consolidated point under the condition that the individual point 1 of the affiliate 1 has a refund value of 1 won per 100 points and the individual point 2 of the affiliate 2 has a refund value of 1 won per 10 points. If 1 has an equivalent cash value of one won per point, the individual point 1 is converted to 0.01 points and the individual point 2 is converted to 0.1 points.

The point reflection ratio information for each affiliate is equal to the integrated point among the points for each affiliate provided to the customer corresponding to the customer information by each affiliate corresponding to two or more affiliate information included in the integrated point configuration information. It is preferable to include the point reflection ratio to be collected.

For example, if the percentage of the point of reflection of the individual points 1 of the affiliated company 1 is 50%, only 50% of the points for each affiliated company provided to the customer corresponding to the customer information by the affiliated company 1 are collected at an equivalent cash value. In contrast to the integration point, the remaining 50% remains the individual point 1 of the affiliate company 1.

If the point reflection ratio of each affiliate is fixed to 100%, the point reflection ratio information of each affiliate may be omitted from the integrated point configuration information, and thus the present invention is not limited thereto.

According to the method of the present invention, when the prepaid integration point information corresponding to the prepaid request integrated point information (or the integrated point prepaid policy of the integrated point operator) is generated, the point reflection ratio information for each affiliate is It is preferable to further comprise a distribution ratio (or settlement ratio) for each affiliate with respect to the prepaid integration point information.

If the distribution ratio (or settlement ratio) for each affiliate for the advance payment integration point information is equally distributed (or distributed according to the policy of the integration point operator), the distribution ratio for each affiliate for the advance payment integration point information (Or settlement ratio) point reflection ratio information for each subsidiary may be omitted, and thus the present invention is not limited thereto.

Further, when the prepaid integration point information corresponding to the prepaid request integrated point information (or the integrated point prepaid policy of the integrated point operator) is generated, the point reflection ratio information for each affiliate is the prepaid integration point information. Preferably, the distribution ratio (or settlement ratio) for each affiliate is further included in the prepaid settlement point reflecting ratio to settle the prepaid payment integration point among the individual points that are allocated to the customer in each assigned affiliate.

If the prepayment settlement point reflection rate to settle the prepayment integration point is fixed at 100%, or if each affiliate is equal to the ratio of individual points per affiliate to be included in the integration point, the prepayment integration point is settled. Point reflection ratio information for each subsidiary including a prepayment settlement point reflection ratio may be omitted, and the present invention is not limited thereto.

The integrated point information having the same amount of refund according to the point reflecting ratio is equal to individual points for each affiliate corresponding to the customer information in an affiliate corresponding to two or more affiliated companies included in the integrated point configuration information according to the point reflecting ratio information. An integration point collected at a cash value, wherein the integration point corresponds to an individual point for each affiliate included in the integration point before, at the same time as the generation of the integration point information, or within a certain period of time after the generation, in order to have an equivalent cash flow. Preferably, an amount corresponding to the refund value of the individual point for each affiliated company from the affiliated company is automatically processed to be deposited to the integrated point operating institution.

The prepaid integration point information is integrated point information that is prepaid to the customer in response to prepaid request integration point information (or integrated point prepaid policy of the integration point operator) included in the integration point configuration information. Point investment products provided by one or more financial affiliates, Point investment products provided by affiliates affiliated with one or more financial affiliates of the plurality of financial affiliates, Points provided by affiliates of one or more financial affiliates of the plurality of financial affiliates It is desirable to include integrated point information that can be refunded beyond the minimum investment amount that can be invested in the investment product.

According to an embodiment of the present invention, when there is an integration point generated based on one or more effective individual points for each affiliate provided to the customer in the affiliate, the advance payment integration point information may include the advance payment request integration point information ( Alternatively, it is preferable to include an integration point obtained by subtracting integration points generated based on individual points for each affiliated company in a prepaid integration point corresponding to the integration point prepayment policy of the integration point operator.

According to another exemplary embodiment of the present invention, when there is no integration point generated based on at least one valid individual point for each affiliate provided by the affiliate to the customer, the prepaid payment integration point information is the prepayment request integration point. It is preferable to include the prepaid integration point corresponding to the information (or the integration point advance payment policy of the integration point operator) as it is.

The point operation account information may include an integrated point (or prepaid integrated point) having an equal refund value by collecting individual points for one or more affiliated companies provided to a customer from a plurality of financial affiliates according to the integrated point configuration information at an equal refund value. Point account information of the customer name to be deposited, or the financial account information of the customer name to which the cash for converting the integration point in real currency unit is preferably included.

If one or more affiliated points provided by a plurality of financial affiliates to customers according to the integrated point configuration information are collected at an equal refund value, an integrated point (or a prepaid integrated point) having an equal refundability is not managed through the account. In this case (eg, when managed through a customer account stored in a separate storage medium 855), the point operating account information may be omitted, and the present invention is not limited thereto.

12 is a diagram illustrating a process of registering integration point configuration information for integrated operation of individual points of a plurality of financial affiliates in a non-face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, FIG. 12 shows the customer information, two or more affiliate information, and the point reflecting ratio information for each affiliate through the non-face-to-face information registration interface in the client terminal 860 on the integrated point configuration system shown in FIG. When providing integration point configuration information including one or more payment request integration point information and point operation account information (or account opening application information), the integration point configuration server 100 receives the provided integration point configuration information and validates it. As a confirmation process, the integrated point configuration server 100 shown in FIG. 8 is a diagram showing an implementation method having a web server function for information registration.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 12 to integrate the points for integrating and operating individual points of a plurality of financial affiliates in a non-face-to-face manner in the client terminal 860. Various implementation methods for the process of registering configuration information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 12, the client terminal 860 illustrated in FIG. 8 is referred to as a “terminal” for convenience, and the integrated point configuration server 100 illustrated in FIG. 8 is referred to as a “server” for convenience.

Referring to FIG. 12, the terminal illustrated in FIG. 8 is a communication network (eg, when the terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal 860 is a wireless terminal, a CDMA based mobile communication network, or Accessing the server through an IEEE 802.1xx-based portable Internet, etc., connecting a communication channel for registering the integration point configuration information, and requesting registration of the integration point configuration information (1200), the server configures the integration point configuration. A web page corresponding to the information registration interface for information registration is generated (or extracted) (1205), and the generated (or extracted) web page is transmitted to the terminal and output through the communication channel (1210).

According to an embodiment of the present invention, the information registration interface is the customer information, at least two affiliated companies information, the point reflecting ratio information for each affiliated company, prepayment request integrated point information and point operating account information (or account opening application information) And a user interface for inputting (or selecting) integration point configuration information including at least one).

In addition, the web page transmission or output process is preferably performed at least once according to the integration point configuration information registration procedure, whereby the present invention is not limited.

Then, the terminal through the information registration interface, at least one or more customer information, two or more affiliate information, point reflection ratio information for each affiliate, prepayment request integration point information and point operation account information (or account opening application information) Input (or select) integration point configuration information to be included (1215).

If the terminal includes the at least one of the customer information, two or more affiliate information, the point reflection ratio information for each affiliate, the prepayment request integration point information and the point operating account information (or account opening application information) through the information registration interface; When the integrated point configuration information is input (or selected) (1220), the terminal integrates the input (or selected) customer information, two or more affiliate information, point reflection ratio information for each affiliate and the prepayment request through the communication channel. Point information and point operation account information (or account opening application information) are transmitted to the server (1225).

According to an embodiment of the present invention, the customer information inputted through the communication channel (or selected), two or more affiliate information, point reflection ratio information for each affiliate, prepaid payment request integrated point information, and point operating account information (or account) The establishment request information) is further transmitted to the server by electronically signing or encrypting the integrated point configuration information input (or selected) through the information registration interface through a security module provided in the terminal. It can be made, including.

Thereafter, the server receives and reads the customer information, two or more affiliate information, point reflection ratio information, prepaid payment request integrated point information, and point operation account information (or account opening application information) through the communication channel. The validity of the integration point configuration information is checked (1230).

According to the exemplary embodiment of the present invention, the validity of the integrated point configuration information may be determined when the integration point configuration information is electronically signed and / or encrypted through a security module provided in the terminal. Or decoding the integration point configuration information.

According to an embodiment of the present invention, the validation of the integration point configuration information is linked with an affiliate server 110 corresponding to the affiliate information based on the customer information included in the integration point configuration information and two or more affiliate information. And confirming whether a customer corresponding to the customer information is registered in the affiliated company.

In addition, the validation of the integration point configuration information, if the point management account information is included in the integration point configuration information, on the financial system opened the point management account through the customer information included in the integration point configuration information And checking whether a customer corresponding to the customer information is registered, and checking whether an account corresponding to the point operating account information is opened under the customer name.

If the validity of the integration point configuration information is not authenticated (1235), the server generates a web page including information registration error information and transmits it to the terminal (1240), and the information corresponding to the integration point configuration information. Do not perform the registration process.

On the other hand, if the validity of the integration point configuration information is authenticated (1235), the server collects the individual points of one or more affiliates provided by the plurality of financial affiliates to customers according to the integration point configuration information to the equivalent money value, the equivalent money refundability Perform the process of generating an integration point having.

13A and 13B illustrate a process of registering integration point configuration information for integrated operation of individual points of a plurality of financial affiliates in a non-face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 13A and 11B illustrate a ratio of reflecting customer information, two or more affiliate information, and points for each affiliate through a non-face-to-face information registration interface in the client terminal 860 on the integrated point configuration system shown in FIG. When the integrated point configuration information including one or more information and advance payment request integration point information and point operation account information (or account opening application information) is provided, the integrated point configuration server 100 receives the provided integration point configuration information. As a process for checking the validity, the integrated point configuration server 100 shown in FIG. 8 is an internet banking server.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 13a and 13b to transfer the integration point configuration information from the client terminal 860 to the integration point configuration server 100. Although various implementation methods for registering may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 13A and 13B.

That is, when accessing the Internet banking server through a browser program (for example, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) included in the client terminal 860 in FIGS. 13A and 13B, the browser program Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the integration point configuration information between the client terminal 860 and the Internet banking server based on the present invention, those of ordinary skill in the art If so, the client terminal 860 is based on an internet banking program mounted on the client terminal 860 by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 13a and 13b. And integration point between Internet banking server Although it is possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of network configuration information, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, thereby This is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modified the Internet banking-based financial transaction channel connection method shown in Figures 13a and 13b, a telebanking system Alternatively, another banking system such as a wireless banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering integration point configuration information, but the present invention may provide the telebanking system or the wireless banking system. It includes all kinds of non-face-to-face channel-based financial transactions, including systems or TV banking systems or future non-face-to-face banking systems, and the technical configuration of the present invention is the case of Internet banking shown in FIGS. 13A and 13B. It is by no means limited.

13A and 13B, the client terminal 860 is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the integration point configuration server 100 is referred to as a "server" for convenience.

13A and 13B, when a browser program is executed in the terminal to access the server through the TCP / IP based network (1300a), the server connects a communication channel between the terminal and the server through the browser. (1305a), where the communication channel is a web page generated (or extracted) by the request of the browser program provided in the terminal from the server and transmitted to the terminal, and the web in the browser program provided in the terminal This means that a communication session is allocated to receive at least one or more information (or data) inputted (or selected) based on a user interface included in the page.

According to another embodiment of the present invention, when the terminal is provided with an internet banking program, the server transmits and receives at least one or more information (or data) with the internet banking program based on a communication protocol defined in the internet banking program. A communication channel can be allocated.

Thereafter, the server is equipped with a security module for internet banking on the web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or to update the security module. By adding a script for checking whether the terminal is provided to the terminal, it is checked whether the terminal is equipped with a security module for internet banking or if the security module is to be updated (1310a).

According to another embodiment of the present invention, when the terminal is provided with an internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby linking with the internet banking program (or the internet banking program). Security module, etc.) can be updated.

If the security module is mounted on the terminal or needs to be updated (1315a), the server transmits the latest version of the security module for internet banking to the terminal according to the remote program installation procedure defined in the browser program. (1320a).

If the terminal does not need to install or update the latest version of the Internet banking security module (1325a), or if the terminal does not need to load or update the Internet banking security module (1315a), the server is mounted on the terminal. By activating the security module for internet banking, a security channel for internet banking is connected between the terminal and the server (or a communication channel between the terminal and the server is converted into a security channel) (1330a), where the security channel for internet banking is referred to as The electronic signature is attached to the information (or data) required for security among the information (or data) included in the web page to be provided to the terminal from the server, or is provided by encrypting with at least one encryption method (or encryption algorithm). If so, the terminal confirms the digital signature or decrypts the encryption scheme (or encryption algorithm). Means a communication channel to decode the information (or data) by using an encryption method (or a decoding algorithm), and attaches an electronic signature to information (or data) to be provided to the server for registration of integration point configuration information in the terminal. Or encrypt and transmit at least one encryption method (or encryption algorithm), the server verifies the digital signature or decrypts the information (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Or a communication channel for decoding data).

According to another exemplary embodiment of the present invention, when the terminal is provided with an internet banking program, the Internet banking-based secure channel is information (or data) to be provided from the server to the terminal according to a communication protocol defined in the internet banking program. If the digital signature is attached to or provided by encrypting with at least one encryption method (or encryption algorithm), the terminal confirms the digital signature or decrypts (or decrypts) corresponding to the encryption method (or encryption algorithm). Algorithm) means a communication channel for decoding the information (or data), and the electronic signature attached to the information (or data) to be provided to the server for registration of the integration point configuration information in the terminal or at least one or more As an encryption method (or encryption algorithm) When expensive to transport, it means a communication channel from the server to decrypt the information (or data) in decryption methods (or decryption algorithms) corresponding to the verification of the electronic signature or the encryption scheme (or encryption algorithms).

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or protection function for the information (or data) by using the certificate of the customer mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1335a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include the Internet banking-based customer authentication data (for example, ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. When input (or generated) to transmit to the server, the server comprises the step of authenticating a customer connected through the terminal based on the customer authentication data as an Internet banking customer, wherein the customer authentication data is It is preferable to transmit the digital signature or encryption through a secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include the Internet banking-based customer authentication data (for example, ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. When (or generated) is transmitted to the authentication server, based on the customer authentication data in the authentication server includes a customer connected through the terminal to authenticate as an Internet banking customer, and providing the result to the server In this case, the customer authentication data preferably includes an authentication certificate-based authentication data, wherein the authentication server is a server for authenticating the authentication certificate-based authentication data.

Subsequently, the terminal inputs (or generates) customer authentication data according to the request, requests an electronic banking customer authentication by electronically signing or encrypting the data through the security module and transmitting the data to the server (or authentication server) (1340a). The server (or authentication server) authenticates a customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1345a).

If the Internet banking customer authentication fails (1350a), the server blocks the internet banking security channel for the terminal (1355a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1350a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1360a), where the Internet banking-based The financial transaction channel refers to a communication channel through which the integration point configuration information can be transmitted and registered from the terminal to the server.

Subsequently, when the terminal requests internet banking-based integration point configuration information registration to the server through the inter-banking-based financial transaction channel for registration of integration point configuration information (1300b), the server registers the integration point configuration information. A web page corresponding to the information registration interface is generated (or extracted) (1305b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (1310b).

In addition, the web page transmission or output process is preferably performed at least once according to the integration point configuration information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal includes at least one of the customer information, two or more affiliate information, point reflection ratio information for each affiliate, prepaid payment request integrated point information, and point operation account information (or account opening application information) through the information registration interface. In operation 1315b, the integrated point configuration information is input (or selected).

If the terminal includes the at least one of the customer information, two or more affiliate information, the point reflection ratio information for each affiliate, the prepayment request integration point information and the point operating account information (or account opening application information) through the information registration interface; When integration point configuration information is input (or selected) (1320b), the terminal transmits the input (or selection) integration point configuration information to the server through the financial transaction channel (1325b).

According to an embodiment of the present invention, transmitting the input (or selected) integration point configuration information through the financial transaction channel to the server, the integration point configuration information input (or selected) through the information registration interface It comprises the electronic signature or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server receives and reads the integration point configuration information through the financial transaction channel to confirm the validity of the integration point configuration information (1330b).

According to an exemplary embodiment of the present invention, checking the validity of the integration point configuration information may include decrypting the integration point configuration information when the integration point configuration information is electronically signed or encrypted through a security module provided in the terminal. Or decoding the integration point configuration information.

In addition, the verification of the validity of the integration point configuration information, it is preferable to further comprise authenticating a password or security code or OTP included in the integration point configuration information.

According to an embodiment of the present invention, the validation of the integration point configuration information is linked with an affiliate server 110 corresponding to the affiliate information based on the customer information included in the integration point configuration information and two or more affiliate information. It is preferable to include whether to check whether the customer corresponding to the customer information is registered in the affiliated company.

In addition, the validation of the integration point configuration information, if the point management account information is included in the integration point configuration information, on the financial system opened the point management account through the customer information included in the integration point configuration information And checking whether a customer corresponding to the customer information is registered, and checking whether an account corresponding to the point operating account information is opened under the customer name.

If the validity of the integration point configuration information is not authenticated (1335b), the server generates a web page including the integration point configuration information registration error information and transmits it to the terminal (1340b), and the integration point configuration information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the integration point configuration information is authenticated (1335b), the server collects at least one individual point for each affiliate provided by a plurality of financial affiliates to customers according to the integration point configuration information in an equivalent money value. Perform the process of generating an integration point having.

14 is a diagram illustrating a process of generating an integrated point through point configuration information registered in a non-face-to-face manner according to an embodiment of the present invention.

More specifically, FIG. 14 is an integrated point configuration server 100 on the integrated point configuration system shown in FIG. 8 through the process shown in FIG. 12 or FIGS. 13A and 13B, and customer information, two or more affiliate information, and each affiliate company. When the integration point configuration information including one or more point reflection ratio information and point operation account information (or account opening application information) is received and validated, the integration point configuration server 100 provides the integrated point configuration information. Check the point information for each of the two or more affiliates constituting the point based on the information of the two or more affiliates included, and the prepaid payment request integrated point information (or the integrated point of the integrated point operator) based on the confirmed affiliated point information. Create prepayment integration point information corresponding to a prepayment policy). Point information for each of the two or more affiliates constituting the integrated point with the customer information, point reflection ratio information for each affiliate, and integrated point information, prepaid integration point information, and point operating account information having equivalent money repayment according to the point reflection ratio Regarding the process of storing the integrated point operating information including one or more in the storage medium 855 (or point operating account), if the person skilled in the art to which the present invention pertains, see FIG. Alternatively, it may be possible to infer various implementation methods for the process of generating an integrated point through the point configuration information registered in a non-face-to-face manner in the employee terminal, but the present invention includes all the implementation methods inferred, It is not limited to the implementation method shown in FIG.

In the following figure 14, the integrated point configuration server 100 shown in FIG. 8 is referred to as " server " for convenience.

Referring to FIG. 14, through the process shown in FIG. 12 or FIG. 13A and FIG. 13B, customer information, two or more affiliate information, point reflection ratio information for each affiliate, and point operation account information (or account opening application information) are provided to the server. When the integration point configuration information including at least one) is received and validated, the server accesses the affiliate server 110 corresponding to each affiliate information included in the validated integration point configuration information, and the affiliate company Providing the customer information to the server 110 to check the individual points for each affiliate provided by the affiliate to the customer corresponding to the customer information (1400).

If an individual point for each affiliate provided by the affiliate to the customer is identified (1405), the server individually identifies the affiliate for each affiliate corresponding to the point reflection ratio information for each affiliate included in the integrated point configuration information among the identified individual affiliate for each affiliate. Point (= individual point for each affiliate to be collected in the integration point) information is received (1410).

If an individual point for each affiliate to be collected in the integration point is received (1415), the server converts the received individual point for each affiliate to an equivalent money value (1420).

For example, the consolidated point under the condition that the individual point 1 of the affiliate 1 has a refund value of 1 won per 100 points and the individual point 2 of the affiliate 2 has a refund value of 1 won per 10 points. If 1 has an equivalent cash value of one won per point, the server preferably converts the individual point 1 to 0.01 point and the individual point 2 to 0.1 point.

Thereafter, the server generates integrated point information by collecting the individual points for each of the two or more affiliates received from two or more affiliate servers 110 and converted by the individual point converting unit 825 into the equivalent money value (1425). ).

If a valid integration point is not generated by combining individual points of each of the two or more affiliates (1430), the server provides one or more of the point investment products provided by the one or more financial affiliates and one or more of the plurality of financial affiliates. Point prepayment products provided by affiliates affiliated with affiliated companies, and actual prepaid integrated point information that can be refunded over the minimum investment amount that can be invested in point investment products provided by affiliates of one or more financial affiliates of the plurality of financial affiliates. Generates 1435.

On the other hand, if a valid integrated point is generated by collecting individual points of each of the two or more affiliates (1430), the investment point provided by the one or more financial affiliates and the one or more financial affiliates of the plurality of financial affiliates Generate point payment integrated point information that can be refunded at a minimum investment amount that can be invested in a point investment product provided by an affiliate and a point investment product provided by one or more affiliates of one or more financial affiliates of the plurality of financial affiliates (1440) In operation 1445, the actual prepaid integration point information is generated by subtracting the generated valid integration point from the generated prepaid integration point.

Thereafter, the server schedules before, simultaneously with, or after generation of the integration point information (or advance payment integration point information) in order to grant equal money to the generated integration point information (or advance payment integration point information). In operation 1450, an amount corresponding to the refund value of the individual point for each affiliate is automatically deposited from the affiliate server 110 corresponding to the individual point for each affiliate included in the integration point to the integration point operator.

According to an exemplary embodiment of the present invention, each affiliate corresponding to an individual point for each affiliate included in the integration point deposits a certain amount of money into the integration point operating institution in order to provide an equivalent money refund for the integration point, and the server It is preferable to process the ledger that the amount corresponding to the refund value of individual points for each affiliate included in the integration point among the amounts deposited by each affiliate is included in the integration point.

According to an exemplary embodiment of the present invention, the server requests each affiliate server 110 to deposit an amount corresponding to the refund value of the individual point for each affiliate included in the integration point, and correspondingly, from the affiliate account. It is preferable to transfer and receive the amount corresponding to the refund value of the individual points for each affiliate.

If the equality of cash flow is processed in the generated integration point (1455), the server may provide the information of two or more affiliates constituting the customer information and the integration point, the point reflection ratio information of each affiliate, and the equality according to the point reflection ratio. The storage point 855 shown in FIGS. 8 to 11 storing the integrated point information including money and one or more integrated point information and prepaid integrated point information and point operating account information, or the drawing Stored in the point operating account shown in 9 to 10 (1460).

According to the implementation method of the present invention, when storing the integrated point operation information in the point operation account, the server through the information contained in the integration point configuration information and point operation account information (or account opening application information); It is desirable to open (or verify) point operating account information in which integration points are stored.

Here, the point operation account preferably comprises a point account in the name of the customer depositing the generated integration point (or prepaid integration point), the point account is not the cash in the real currency unit of the integration point Is directly deposited.

Alternatively, the point operation account may include a financial account in the name of a customer who deposits the generated integration point (or prepaid integration point) by converting it into cash in real currency, and the financial account is an additional information ledger. In the form of the deposit of the financial account is characterized in that for storing the integrated point deposit information in association with the account ledger corresponding to the financial account.

15 is a diagram illustrating an integrated point operating system for integrating and operating individual points of a plurality of financial affiliates according to an embodiment of the present invention.

In more detail, FIG. 15 shows individual points of one or more affiliates provided to customers by a plurality of financial affiliates through integration point operation information stored in the storage medium 1570 through the integration point configuration system illustrated in FIG. 2 or FIG. 8. The integrated points generated by collecting the same money value and having the same amount of money, and the prepaid integration point information generated in response to the prepaid request integrated point information (or the integrated point prepaid policy of the integrated point operator). Operate to be used for one or more integration points associated with a financial affiliate, but when confirming the payment of individual points by the affiliates, collect the individual points by the affiliates with an equivalent money value to generate an integrated point having the same amount of money, and generate the generated points. Settle the above-mentioned prepaid integration points via integration points. Refers to a system configuration, and a person having ordinary knowledge in the technical field to which the present invention pertains refers to an integrated point operating system configuration for integrating and operating individual points of the plurality of financial affiliates by referring to and / or modifying the drawing 15. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, the integrated points generated to have an equivalent cash value by combining individual points of one or more affiliated companies provided to customers by a plurality of financial affiliates in an equivalent money value on the integrated point operating system shown in FIG. At least one or more means, or components corresponding to functional configurations, for use in associated one or more integration point destinations are referred to as " integration point operations server 105 " for convenience.

Referring to FIG. 15 according to an embodiment of the present invention, an integrated point operating system for integrating and operating individual points for each of a plurality of financial affiliates may include at least one or more customer terminals 115 (or customer communication means 120) connected to a communication network. )), And integrated points created to collect equal points of one or more affiliated points provided by a plurality of financial affiliates to customers at equal money value, and prepaid payment request integrated point information (or integrated point operator's information). In order to use the prepaid integration point information generated in accordance with the integrated point advance payment policy) to one or more integration points used in connection with the plurality of financial affiliates, the individual points for each affiliate are determined when the individual points are paid for the affiliates. It is collected at an equal cash value to create a consolidated point with equal cash flow. An integrated point operating server 105 that processes the prepaid integration point through a previously generated integration point, and one or more affiliate servers 110 corresponding to individual points of one or more affiliates included in the integration point (eg, Bank server, card company server, securities company server, insurance company server).

The customer terminal 115 uses a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL), or cable communication network). A mobile communication terminal comprising at least one wired terminal including a desktop computer or a notebook computer connected to the integrated point operating server 105 through a communication terminal, or a mobile communication terminal connected to a code division multiple access (CDMA) based mobile communication network; or A wireless communication terminal connected to a High Speed Downlink Packet Access (HSDPA) based wireless communication network, a mobile Internet terminal connected to an IEEE 802.16x based high speed wireless Internet, or a wireless LAN terminal connected to an IEEE 802.11x based wireless LAN network. It comprises at least one or more wireless terminals including at least one, or the wired communication network or wireless communication network At least one TV device (not shown) including at least one IP-TV or digital TV or DMB capable of bidirectional communication through any one of the communication network is characterized in that it comprises.

According to an exemplary embodiment of the present invention, the customer terminal 115 inputs (or uses) integration point usage information including one or more customer information, integration point usage information, and investment target integration point information from the integration point operation server 105. Receiving and outputting at least one interface screen, and inputting (or selecting) integration point usage information including at least one of customer information, integration point usage information, and investment target integration point information through the interface screen. It is preferable that a function configuration (eg, a browser program and a communication function) for transmitting to the integration point operating server 105 is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the customer terminal 115 including one or more of the wired terminal or wireless terminal or TV device (not shown). Detailed description thereof will be omitted for convenience.

The customer communication means 120 may include integration point usage information for requesting customer approval for using the integration point of the customer at one or more integration point destinations associated with the plurality of financial affiliates in the integration point operation server 105; When the integration point investment approval request information including one or more investment target integration point information is transmitted, one or more programs (eg, a browser program, a mail program, a message program) for receiving and outputting the integration point investment approval request information to the customer are provided. And a client terminal 115 having a messenger program).

According to the present invention, the integrated point operation server 105 may use a storage medium 1570 for storing integration point operation information generated through the integration point configuration system shown in FIG. 2 or FIG. 8, and use the integration point. It is characterized in that it comprises a point operating D / B (1565) for storing the one or more integration point usage information and the integration point usage operator information for operating the integration point usage destination.

The storage medium 1570 includes customer information generated through the integrated point configuration system shown in FIG. 2 or FIG. 8, point information for two or more affiliated companies constituting the integrated point, point reflection ratio information for each affiliated company, and the point reflection. It is characterized by storing the integrated point operation information including at least one of the integrated point information, the prepaid integrated point information and the point operating account information having the same amount of money according to the ratio.

The point operation D / B 1565 associates and stores one or more integration point usage information that can use the integration point information included in the integration point operation information with the integration point usage operator information that operates the integration point usage. It features.

Here, the integrated point usage information, various investment product information (for example, financial products, fund products, futures products, stocks) that can invest cash refunded according to the refund value of the integrated point information included in the integrated point operation information Products, foreign investment products, etc.), various accumulated product information (e.g., deposits, savings, fund, insurance, etc.), various loan interest payment information (e.g., each financial affiliate (or affiliated company or affiliated store) included in the integration point) It is preferable to include at least one loan interest to be paid to), and various fee information (for example, various fee information imposed by each financial affiliate (or affiliated company or affiliated store) included in the integration point).

In addition, the integration point usage operator information for operating the integration point usage destination is the operator information for operating the integration point usage destination, the integration point usage operator information is a plurality of finance corresponding to the individual points for each affiliate included in the integration point Affiliates, affiliated with one or more financial affiliates of the plurality of financial affiliates, preferably comprises one or more affiliated stores of one or more financial affiliates of the plurality of financial affiliates.

Accordingly, the integration point usage information is a point investment product provided by one or more financial affiliates among a plurality of financial affiliates corresponding to individual points of affiliates included in the integration point, and affiliated with one or more financial affiliates of the plurality of financial affiliates. Point investment products provided by the affiliated companies, one or more point investment products provided by the affiliated stores of one or more financial affiliates of the plurality of financial affiliates.

According to an exemplary embodiment of the present invention, the integration point operation server 105 receives integration point usage information including one or more customer information, integration point usage information and investment target integration point information from the customer terminal 115. In order to provide a communication interface corresponding to the customer terminal 115 and a communication network, an interface unit 1520 for connecting and managing a communication channel with the customer terminal 115 through the communication network is provided. By doing so, the integrated point operating server 105 has a function of a web server that is connected to the customer terminal 115 and a wired communication network or a wireless communication network.

According to an embodiment of the present invention, when the customer terminal 115 is a wired terminal to which a communication channel is connected through a wired communication network based on TCP / IP, the interface unit 1520 may connect the customer terminal 115 with HTTP ( A communication channel is connected based on a Hyper-Text Transfer Protocol protocol, and an interface screen in the form of a Hyper-Text Markup Language (HTML) compatible document is transmitted to the customer terminal 115 through the communication channel and outputted. It is preferable to perform a function of receiving and processing integration point usage information input (or selected) from the terminal 115 through the interface screen.

According to another exemplary embodiment of the present invention, when the customer terminal 115 is a wireless terminal to which a communication channel is connected through a CDMA-based wireless communication network, the interface unit 1520 is connected to the customer terminal 115 and a WAP (Wireless). Connect a communication channel based on Application Protocol (ME) or Mobile Explorer (ME) protocol, and transmit an interface screen in the form of a WML (Wireless Markup Language) or HTML compatible document to the customer terminal 115 through the communication channel. It is preferable to perform a function of outputting and receiving the integration point usage information corresponding to the interface screen from the customer terminal 115.

According to another exemplary embodiment of the present invention, when the customer terminal 115 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 1520 may be connected to the customer terminal 115. A communication channel is connected based on a wireless protocol corresponding to the IEEE 802.16x standard, an interface screen is transmitted to the customer terminal 115 through the communication channel, and the interface screen is outputted to the interface screen from the customer terminal 115. It is preferable to perform a function of receiving and processing corresponding integration point usage information, or when the customer terminal 115 is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless communication network, the interface unit 1520 ) Connects a communication channel with the customer terminal 115 based on a wireless protocol corresponding to the IEEE 802.11x standard, and connects the communication channel through the communication channel. To transfer to the output interface to the terminal screen 115, it performs a function of receiving process using integrated point information corresponding to the display interface from the customer terminal 115 is preferred.

Referring to FIG. 15 according to an embodiment of the present invention, the integration point management server 105 is integrated with the customer terminal 115 connected to the integration point management server 105 through the interface unit 1520. When requesting registration of point usage information, inputting (or selecting) integration point usage information including at least one of customer information, integration point usage information and investment target integration point information in the client terminal 115 in association with the interface unit 1520. An interface providing unit 1525 for generating (or extracting) an interface screen to be transmitted and inputting (or selecting) the interface screen from the customer terminal 115 in conjunction with the interface unit 1520. An information receiving unit 1530 for receiving the integrated point usage information to be transmitted, and reading the received integrated point usage information and operating the point D / B (1); 565) Integration point usage confirmation unit 1505 (or integration point usage confirmation means) for checking whether the integration point usage point included in the integration point usage information matches one or more integration point usage points associated with the plurality of financial affiliates in association with the information. ) And an investment target integration point that checks whether the investment target integration point included in the integration point usage information is matched with the point information obtained by adding the integration point information of the customer and the prepaid integration point information in association with the storage medium 1570. It is characterized in that it comprises a confirmation unit (1515) (or investment target integration point confirmation means).

The interface providing unit 1525 has a functional configuration (eg, a customer terminal) provided in the customer terminal 115 when the customer terminal 115 connects to the integrated point operating server 105 through the interface unit 1520. Corresponding to the browser program included in the 115, an interface screen for inputting (or selecting) integration point usage information and transmitting to the integration point operation server 105 through the communication network may be generated or a database (not shown). And extract the interface screen generated (or extracted) in cooperation with the interface unit 1520 to the customer terminal 115 through the communication network.

According to an embodiment of the present invention, the interface providing unit 1525 checks one or more integration point usage information that can use the integration point of the customer in connection with the point operation D / B 1565, and the identification It is preferable to extract (or generate) an interface screen including a user interface for selecting one or more integration point usage destinations and inputting investment target integration point information for the integration point usage destination.

Thereafter, the customer terminal 115 inputs (or selects) integration point usage information including one or more pieces of customer information, integration point usage information and investment target integration point information, based on the interface screen, and the integration point usage information. When it is confirmed that is inputted (or selected), the customer terminal 115 transmits the inputted (or selected) integration point usage information to the integration point operating server 105 through the communication network.

In the technical field to which the present invention pertains, the customer terminal 115 integrates the customer information and the integration point use information and the investment target through at least one form form included in the interface screen. The technical features for inputting (or selecting) integration point usage information including one or more pieces of point information, and the integration point usage information input (or selected) through the communication protocol provided by the communication network. Since you will be familiar with the technical features of transmitting to), a detailed description thereof will be omitted for convenience.

The information receiving unit 1530 inputs (or selects) integration point usage information including one or more pieces of customer information, integration point usage information, and investment target integration point information through the interface screen on the customer terminal 115 to perform the communication network. When transmitting through, in conjunction with the interface unit 1520 is characterized in that for receiving the integration point usage information.

When the integration point usage information is received through the receiving unit, the integration point usage confirmation unit 1505 reads the received integration point usage information to confirm integration point usage information included in the integration point usage information, and Affiliation with a plurality of financial affiliates corresponding to individual points of affiliates included in the integrated point, wherein the identified integrated point usage information is linked to one or more financial affiliates among the plurality of financial affiliates in connection with point operation D / B 1565 information. And the integrated point usage information (= integration point usage information associated with a plurality of financial affiliates) associated with any one integration point usage operator information of one or more affiliated companies or affiliated stores of one or more financial affiliates of the plurality of financial affiliates. do.

If the integration point usage information included in the integration point usage information is confirmed as integration point usage information associated with a plurality of financial affiliates, the investment target integration point verification unit 1515 is linked to the storage medium 1570. Check the integration point information provided to the customer based on the customer information included in the integration point use information, and include the investment target integration point, the integration point information, and the prepaid integration point information included in the integration point usage information. The integrated point information is compared to determine whether the investment target integration point matches the integration point of the customer.

According to the exemplary embodiment of the present invention, if the investment target integration point is less than or equal to the point information obtained by adding the integration point information of the customer and the prepaid integration point information, the investment target integration point checking unit 1515 may be the investment target. It is preferable to check whether the integration point matches the point information obtained by adding the integration point information of the customer and the prepaid integration point information.

Referring to FIG. 15 according to another exemplary embodiment of the present invention, the integrated point operation server 105 may include a customer identification unit 1500 that checks integrated point use target customer information among customer information stored in the storage medium 1570. (Or customer verification means) and the integration point usage confirmation unit 1505 for confirming integration point usage information associated with the plurality of financial affiliates among the integration point usage information in association with the point operation D / B 1565 information. (Or means for confirming integration point usage) and investment point integration point information corresponding to the identified customer information in association with the storage medium 1570 (eg, point information obtained by adding integration point information and prepaid integration point information). An investment target integration point verification unit 1515 (or integration point verification means) for confirming the integration point usage information and investment target integration point definition; Requesting the customer approval by providing integrated point investment approval request information including one or more beams to the customer communication means 120, and receiving customer approval information on the integrated point investment approval request information from the customer communication means 120. It is characterized by comprising a customer approval processing unit 1510 (or customer approval processing means) for receiving.

The customer identification unit 1500 may identify the customer information of the integration point using the plurality of customer information stored in the storage medium 1570, wherein the customer information of the integration point using the storage medium 1570 The integrated point information stored in) preferably includes customer information that is equal to or greater than a predetermined reference value (eg, minimum investable point).

When the integrated point use target customer information is confirmed through the customer confirming unit 1500, the integrated point use confirming unit 1505 is integrated with the integrated point use destination information in connection with the point operation D / B 1565. Use of an integrated point of any of a plurality of financial affiliates corresponding to individual points of affiliates included in the points, affiliates affiliated with one or more financial affiliates of the plurality of financial affiliates, and affiliated stores of one or more financial affiliates of the plurality of financial affiliates Characterized by identifying the integration point usage information (= integration point usage information associated with a plurality of financial affiliates) associated with the operator information.

In addition, when the customer information on the use of the integration point is confirmed through the customer identification unit 1500, the investment point integration point verification unit 1515 is integrated point information associated with the customer information in connection with the storage medium 1570. And point information obtained by summing up prepaid integration point information, and identifying integration points within the point information summing the integration point information and prepaid integration point information as the investment target integration point.

According to the implementation method of the present invention, the investment target integration point is preferably less than or equal to the point information of the integration point information and prepaid integration point information of the customer.

When the integration point usage information associated with the plurality of financial affiliates is confirmed by the integration point usage confirmation unit 1505, and the investment target integration point information is confirmed by the investment target integration point confirmation unit 1515, the customer approval. The processor 1510 provides the customer communication means 120 with the integrated point investment approval request information including one or more of the integrated point use information and the investment target integrated point information to request the customer approval, and the customer communication means ( Receiving customer approval information, or customer non-approved information for the integration point investment approval request information from 120).

Referring to FIG. 15, the integration point operation server 105 uses the integration point associated with the plurality of financial affiliates to convert the investment target integration point refunded in cash in real money according to the equal money repayment of the investment target integration point. And an integrated point trading unit 1535 (or integrated point trading means) for processing the point trading to invest in.

According to an embodiment of the present invention, when the integration point usage information and the investment target integration point information associated with a plurality of financial affiliates are identified through the integration point usage information received from the customer terminal 115, the integration point trading unit 1535 ) Refunds the investment-integrated point into real money unit cash of equivalent money value according to the equal refundability of the investment-integrated point, and consolidates the refunded investment-integrated point associated with the identified plurality of financial affiliates. It is characterized by processing a point transaction investing in the point of use.

According to another exemplary embodiment of the present invention, when the customer approval for the integration point usage information and the investment target integration point information associated with the plurality of financial affiliates is confirmed, the integration point trading unit 1535 may be configured to execute the information on the investment target integration point. Subject the investment points to the same amount of money in real money, and invest the refunded investment points into the points of integration associated with a plurality of financial affiliates whose customer approval is confirmed. It is characterized by processing a point transaction.

If the integration point is managed through a point management account in the customer's name, the integration point trading unit 1535 connects the refunded investment target integration point to the plurality of points in connection with a financial system in which the point management account is opened. It is characterized in that the processing of the point transaction that invests in the use of the integration point associated with the financial affiliates, and those of ordinary skill in the art, investing the refunded investment integration point in the integration point use Since you will be familiar with the technical features of point trading, a detailed description thereof will be omitted for convenience.

Referring to FIG. 15, the integrated point operation server 105 generates an individual point usage history of each affiliate for the integration point use among the integration point information and the prepaid integration point information to update individual points for each affiliate. It is characterized by comprising an individual point update unit 1560 (or individual point update means) for processing.

When the investment target integration point of the customer is invested in the integration point destination through the integration point trading unit 1535, the individual point update unit 1560 integrates the integration point information and the prepayment corresponding to the integration point destination. By generating the individual point use history for each affiliate for the use of the integration point of the point information, and by transmitting the generated individual point use history for each affiliate to the affiliate server 110 of each affiliate, the individual point for each affiliate is It is characterized in that the processing to be updated according to the use of individual points for each affiliate.

Referring to FIG. 15, the integrated point operation server 105 may be connected to the storage medium 1570 to provide customer information corresponding to the prepaid integration point information invested at the integration point destination, two or more affiliate company information, and each affiliate company. Checking the point reflection ratio information for each point, and providing to the customer corresponding to the customer information from the affiliate server 110 corresponding to the affiliate information on the basis of the customer information, two or more affiliate information and the point reflection ratio information for each affiliate An individual point receiving unit 1540 (or an individual point receiving unit) for receiving an individual point for each affiliate to be collected in the integration point according to the point reflection rate information for each affiliate among the individual points for each affiliate, and an individual point for each affiliate Point conversion unit 1545 (or individual point conversion) for converting a value into an equivalent money value Means), an integrated point generating unit 1550 (or an integrated point generating means) that collects individual points for each of two or more affiliated companies converted into an equivalent money value and generates integrated point information; And a point settlement processing unit 1555 (or point settlement processing means) for balancing and integrating the integrated points.

After the prepaid integration point information is invested in the integration point destination through the integration point trading unit 1535, the individual point receiver 1540 is invested in the integration point destination in connection with the storage medium 1570. Check customer information corresponding to payment integration point information, two or more affiliate information, and point reflection ratio information for each affiliate, access the affiliate server 110 corresponding to each affiliate information, and connect the client to the affiliate server 110. Provides information to identify individual points for each affiliate that the affiliate provides to the customer corresponding to the customer information, and individual points for each affiliate corresponding to the point reflection ratio information for each affiliate among the identified individual affiliate points (= And individual points for each affiliate to be collected in the integration point).

According to the method of the present invention, the individual point receiving unit 1540 is a customer corresponding to the customer information in the affiliate server (not shown) affiliated with one or more financial affiliates of the plurality of financial affiliates in addition to the affiliate server 110 A plurality of affiliate individual points provided to the plurality of affiliated points that are provided to the customer corresponding to the customer information in the affiliate server (not shown) or the merchant terminal (not shown) of one or more financial affiliates of the plurality of financial affiliates. It is possible to receive as individual points for each affiliate associated with a financial affiliate, and in the present invention, it is clear that the individual points for each affiliate can be achieved by including one or more of the affiliate points and affiliated points.

Individual point information for each affiliate to be collected at the integration point of the customer corresponding to the customer information from each affiliate server 110 corresponding to two or more affiliate information included in the integration point configuration information through the individual point receiving unit 1540 When received, the individual point conversion unit 1545 is characterized in that for converting the individual points for each of the affiliates to the equivalent money value.

For example, the consolidated point under the condition that the individual point 1 of the affiliate 1 has a refund value of 1 won per 100 points and the individual point 2 of the affiliate 2 has a refund value of 1 won per 10 points. If 1 has an equivalent cash value of 1 won per point, it is preferable that the individual point converting unit 1545 converts the individual point 1 to 0.01 point, and converts the individual point 2 to 0.1 point. Do.

The integrated point generating unit 1550 is received from two or more affiliate servers 110 through the individual point receiving unit 1540 and converted into an equivalent money value by the individual point converting unit 1545 for each of two or more affiliates. The integrated point information may be generated by collecting individual points.

When the integrated point information is generated by collecting the individual points for each affiliate, the point settlement processor 1555 may balance the prepaid integration point by subtracting the newly generated integration point information from the prepaid integration point information. It is characterized in that the settlement process.

When the prepayment integration point is balanced and processed, the individual point update unit 1560 generates an individual point settlement history for each subsidiary for the prepayment integration point settlement process, and generates individual points for each affiliate company. By transmitting the settlement history to the affiliate server 110 of each affiliate, the individual points for each affiliate is processed to be updated according to the individual point settlement for each affiliate.

16A and 16B illustrate a process of integrating and operating individual points of a plurality of financial affiliates according to an exemplary embodiment of the present invention.

In more detail, FIGS. 16A and 16B illustrate the integration of customer information, integration point usage information, and investment target from the customer terminal 115 on the integration point operation system illustrated in FIG. 15 to the integration point operation server 105 through a communication network. When the integrated point usage information including one or more pieces of point information is transmitted, the integrated point operation information stored in the storage medium 1570 through the integrated point configuration system illustrated in FIG. 2 or 8 is transmitted from the integrated point operation server 105. One or more integration points associated with the plurality of financial affiliates through the integration points and prepaid integration points generated by collecting the individual points for each of the one or more affiliates provided to the customer from the plurality of financial affiliates to the same amount of money through the As it relates to the process of operating for use, the present invention belongs to Those skilled in the art will be able to infer various implementation methods for the process of integrating and operating individual points of the plurality of financial affiliates by referring to and / or modifying the drawings 16a and 16b. The present invention includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 16A and 16B.

Hereinafter, the integrated point operating server 105 on the integrated point operating system shown in FIG. 15 in FIGS. 16A and 16B will be referred to as "server" for convenience, and the customer terminal 115 on the integrated point operating system shown in FIG. ) Is called a "terminal" for convenience.

Referring to FIGS. 16A and 16B, the terminal on the integrated point operating system illustrated in FIG. 15 accesses the server through the communication network and connects a communication channel for integrating and operating individual points of a plurality of financial affiliates (1600). .

According to the exemplary embodiment of the present invention, the communication channel connection process may further include at least one process of logging in to the server from the terminal, or registering to the server from the terminal. In the customer corresponding to the terminal is extracted (or obtained).

In the technical field to which the present invention pertains, the terminal connects to the server according to a communication protocol corresponding to the communication network through a browser program corresponding to the communication network to provide individual points for each of the plurality of financial affiliates. Since it will be familiar with the technical features of connecting the integrated operating communication channel, a detailed description thereof will be omitted.

When a communication channel for integrating and operating individual points for a plurality of financial affiliates is connected between the terminal and the server as described above, the terminal interface screen for integrating and operating individual points for the plurality of financial affiliates to the server through the communication channel. In response to the request (1605), the server corresponds to a user interface for inputting (or selecting) integration point usage information including one or more pieces of customer information, integration point usage information and investment target integration point information in the terminal. The interface screen including the interface screen is generated (or extracted) (1610), and the generated (or extracted) interface screen is transmitted to the terminal through the communication channel (1615).

Thereafter, the terminal uses the integration point including one or more of the customer information, the integration point usage information and the investment target integration point information through the user interface included in the interface screen for input (or selection) of the integration point usage information. The information is processed to be input (or selected) (1620).

If the integration point usage information is input (or selected) in the terminal (1625), the terminal includes one or more customer information, integration point usage information and investment target integration point information to the server through the communication channel. The integrated point usage information is transmitted (1630), and correspondingly, the server reads the received integrated point usage information and associates it with the point operation D / B 1565 information to include the integrated point included in the integrated point usage information. In operation 1635, the usage point matches the one or more integration point usage points associated with the plurality of financial affiliates.

According to an embodiment of the present invention, the server reads the received integration point usage information to confirm integration point usage information included in the integration point usage information, and associates with the point operation D / B 1565 information. A plurality of financial affiliates corresponding to the individual points for each affiliate included in the integration point, the affiliates affiliated with one or more financial affiliates of the plurality of financial affiliates, and one or more of the plurality of financial affiliates It is preferable to check whether the integration point usage information (= integration point usage information associated with a plurality of financial affiliates) associated with any one integration point usage operator information of affiliates of affiliates.

If it is determined that the integration point usage point included in the integration point usage information is matched with one or more integration point usage points associated with the plurality of financial affiliates (1640), the server associates with the storage medium 1570 and the integration point usage point. In operation 1645, the investment target integration point included in the usage information is matched with the point information obtained by adding the integration point information of the customer and the prepaid integration point information.

According to an embodiment of the present invention, the server checks the integration point information provided to the customer based on the customer information included in the integration point usage information in association with the storage medium 1570, and checks the integration point usage information. It is preferable to check whether the investment target integration point matches the customer's integration point by comparing the investment target integration point included and the point information obtained by adding the integration point information and the prepaid integration point information.

If it is determined that the investment target integration point included in the integration point usage information is matched with the point information obtained by adding the integration point information of the customer and the prepaid integration point information (1650), the server may determine the integration point of the investment target integration point. In operation 1655, the investment transaction integration points refunded in cash of the real money unit in accordance with the equal money remittance are invested in the integration point use points associated with the plurality of financial affiliates.

If the integration point investment is processed (1660), the server generates an individual point usage history for each affiliate for the integration point usage corresponding to the integration point usage (1665), and the individual points for each affiliated company generated The usage history is transmitted to the affiliate server 110 of each affiliate so that the individual points for each affiliate are updated according to the use of the individual points for each affiliate (1670).

FIG. 17 illustrates a process of integrating and operating individual points of a plurality of financial affiliates according to another exemplary embodiment of the present invention.

In more detail, FIG. 17 illustrates a customer approval for investing an integration point of a customer who uses a point in the integration point operation server 105 on the integration point operation system shown in FIG. 15 in an integration point destination associated with a plurality of financial affiliates. After acquiring, equal exchange of individual points for one or more affiliates provided by a plurality of financial affiliates to customers through the integrated point operation information stored in the storage medium 1570 through the integrated point configuration system illustrated in FIG. 2 or FIG. 8. A process for operating an integrated point and a prepaid integrated point generated by value to be equally refundable for use in one or more integration point uses associated with the plurality of financial affiliates, the present invention having common knowledge in the art. If a person having a reference to this figure 17 and / or modified The various implementation methods for the process of integrating and operating the individual points of the plurality of financial affiliates may be inferred, but the present invention includes all the implementation methods inferred and is not limited to the implementation method shown in FIG. No.

In the following figure 17, the integrated point operating server 105 on the integrated point operating system shown in FIG. 15 is referred to as " server " for convenience.

Referring to FIG. 17, the server on the integrated point operating system illustrated in FIG. 15 checks the customer information for using the integrated point in association with the storage medium 1570 (1700).

According to an exemplary embodiment of the present invention, the server may include customer information for which integration point information is equal to or greater than a predetermined reference value (for example, minimum investment point) among a plurality of customer information stored in the storage medium 1570. It is desirable to confirm.

If the integrated point use customer information is confirmed (1705), the server checks integrated point use information associated with the plurality of financial affiliates among the integrated point use information in association with the point operation D / B 1565 information. (1710).

According to an embodiment of the present invention, the server may include a plurality of financial affiliates corresponding to individual points of affiliates included in the integration point among the integration point use information in association with the point operation D / B 1565 information, and the plurality of financial affiliates. Integrated point of use information associated with one or more of the affiliates affiliated with one or more of the financial affiliates of one of the financial affiliates, or affiliated stores of one or more of the plurality of financial affiliates (= associated with multiple financial affiliates). Integration point usage information).

If the integrated point usage information associated with the plurality of financial affiliates is confirmed (1715), the server points up the integrated point information associated with the customer information and the prepaid integration point information in association with the storage medium 1570. The information is verified, and the integrated point within the point information obtained by adding the integrated point information and the prepaid integration point information is identified as the investment target integration point (1720).

If the investment target integration point is identified (1725), the server provides the customer communication means 120 with integration point investment approval request information including one or more integration point usage information and investment target integration point information. A customer approval is requested (1730), and receives customer approval information, or customer unapproved information for the integration point investment approval request information from the customer communication means 120.

If customer disapproval information on the integration point investment approval request information is received from the customer communication unit 120 (1735), the integration point associated with the financial affiliate is stopped for integration point usage.

On the other hand, when the customer approval information on the integrated point investment approval request information is received from the customer communication means 120 (1735), the server is refunded in cash of the real money unit according to the equal refundability of the investment point integration point In operation 1740, a point transaction in which the investment target integration point is invested in the integration point usage associated with the plurality of financial affiliates.

If the integration point investment is processed (1745), the server generates an individual point usage history for each affiliate for the integration point usage corresponding to the integration point usage (1750), and uses the individual points for each generated affiliate The details are transmitted to the affiliate server 110 of each affiliate, so that the individual points for each affiliate are updated according to the use of the individual points for each affiliate (1755).

18 is a diagram illustrating a settlement process of prepaid integration points invested in point investment products associated with a plurality of financial affiliates according to an embodiment of the present invention.

In more detail, FIG. 18 illustrates a plurality of financial points for the integration points prepaid through the integration point configuration system shown in FIG. 2 or 8 through the integration point operation process shown in FIGS. 16A, 16B, or 17. After using at one or more integration points associated with the affiliates, the prepaid integration points used at the integration points are collected at equal redemption value by collecting the individual points for each of the one or more affiliates that are provided to customers by a plurality of financial affiliates. Regarding the process of settlement through the generated integration point, those skilled in the art to which the present invention pertains, refer to and / or modify the drawing 18 to the point investment products associated with the plurality of financial affiliates Various implementation methods for settlement process of investment prepaid integration point Would have to be inferred, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 18.

In the following figure 18, the integrated point operating server 105 on the integrated point operating system shown in FIG. 15 is referred to as " server " for convenience.

Referring to FIG. 18, the plurality of financial affiliates may receive the integration points prepaid through the integration point configuration system illustrated in FIG. 2 or 8 through the integration point operation process illustrated in FIGS. 16A, 16B, or 17. After being used at one or more integration point destinations associated with the server, the server is associated with the storage medium 1570 and the customer information corresponding to the prepaid integration point information invested at the integration point destination, at least two affiliate information and points for each affiliate. Check the reflection ratio information (1800), access the affiliate server 110 corresponding to each affiliate information, provide the customer information to the affiliate server 110 to provide to the customer corresponding to the customer information from the affiliate company Identify new individual points for each affiliate (1805).

If a new individual point for each affiliate that the affiliate provides to the customer corresponding to the customer information is confirmed (1810), the server for each affiliate corresponding to the point reflection ratio information for each affiliate among the new individual points for the confirmed affiliate The new individual point (= individual point for each affiliate to be collected in the integration point) information is received (1815).

If a new individual point for each affiliate to be collected in the integration point is received (1820), the server converts the new individual point for each affiliate to the equivalent cash value (1825).

For example, the consolidated point under the condition that the individual point 1 of the affiliate 1 has a refund value of 1 won per 100 points and the individual point 2 of the affiliate 2 has a refund value of 1 won per 10 points. If 1 has an equivalent cash value of one won per point, the server preferably converts the individual point 1 to 0.01 point and the individual point 2 to 0.1 point.

Subsequently, the server generates new integrated point information by collecting new individual points for each of two or more affiliated companies received from two or more affiliated server servers 110 and converted by the individual point converting unit 1545 into equivalent money value. In operation 1830, the payment advance integration point is balanced and settled by subtracting the newly generated integration point information from the advance payment integration point information in association with the storage medium 1570 (1835).

If the prepayment integration point is settled (1840), the server generates an individual point settlement history for each affiliate corresponding to the prepayment integration point for settlement processing (1845), and the individual point for each affiliated company generated The settlement history is transmitted to the affiliate server 110 of each affiliate so that the individual points for each affiliate are updated according to the settlement of individual points for each affiliate (1850).

According to the present invention, a bank, a card company, a securities company, an insurance company such as an insurance company connected to an affiliate of a financial holding company, or an affiliate or affiliated store of the financial companies to collect the individual points provided to customers by an equal money value of a certain amount or more After generating an integration point, generating advance payment integration point information corresponding to an integration point advance payment request (or integration point operator's integration point advance payment policy) from the customer, and generating the integration point and the advance payment integration point. Integrated point investment products associated with the plurality of financial affiliates (eg, point investment products provided by one or more financial affiliates of the plurality of financial affiliates, or points provided by affiliates affiliated with one or more financial affiliates of the plurality of financial affiliates Investment products, or the plurality of financing By investing in a point investment product provided by a member of one or more financial affiliates of a financial company, and then processing the prepaid integration point through the newly created integration point. Points received in exchange for loyalty (or in exchange for loyalty terms) to affiliates or merchants are based on the characteristics of the affiliates' financial holding relationships (e.g., the sharing of customer information and the provision of equal money through simple accounting of each affiliate). There is an advantage that can be used conveniently, affiliates and affiliates or affiliates connected to the financial holding relationship has the advantage of reabsorbing the points provided to the customer through the point investment products that they operate.

Claims (5)

In the method of operating a prepaid integration point of multiple financial affiliates including one or more banks, card companies, securities companies, insurance companies, Receiving integration point configuration information including individual points for one or more affiliates to be included in the integration point having the same money exchange rate among the plurality of financial affiliates; Generating a prepaid integration point having equal money repayment by collecting individual points for one or more affiliates to be prepaid to a customer in a plurality of financial affiliates according to the integration point configuration information with an equal money value; One or more integration points associated with the plurality of financial affiliates through customer communication means; various investment products or accumulated products operated by each financial affiliate (or affiliated or affiliated store) included in the integration point; or Interest on loans to be paid to each financial affiliate (or affiliate or merchant) included in the integration point, or for any fees charged by each financial affiliate (or affiliate or merchant) included in the integration point; Confirming customer approval; When confirming the customer approval, using a prepaid integration point refunded in cash of a real money unit according to the equivalent money remittance to the integration point usage point; Confirming individual point payments for at least one affiliate included in the integration point configuration information; Generating a consolidated point having an equal refundability by collecting the individual points for each affiliated company at an equal money value when confirming the payment of individual points for the affiliated companies; And Balancing the generated integration point in the prepayment integration point and processing the settlement; characterized in that it comprises a prepayment integration point operating method. The method of claim 1, Deposit the pre-paid integration points into a point account in the customer's name as a negative point, or The pre-paid integration point is exchanged into cash in real currency and deposited in a financial account in the customer's name, and the prepaid integration point deposit information among the deposits in the financial account is associated with the account ledger corresponding to the financial account. Method for operating an advanced payment integration point, characterized in that further comprising the step of storing in the additional information ledger. The method of claim 1, Point investment products provided by one or more financial affiliates of the plurality of financial affiliates, point investment products provided by affiliates affiliated with one or more financial affiliates of the plurality of financial affiliates, and one of the plurality of financial affiliates. Method for operating a pre-paid integration point further comprising the step of checking whether the financial investment affiliated with one or more of the products provided by the affiliated stores. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. In the prepaid integrated point operating system of a plurality of financial affiliates including one or more banks, card companies, securities companies, insurance companies, Prepaid integration point generation means for generating a prepaid integration point having equal money repayment by collecting individual points for one or more affiliates to be prepaid to a customer in a plurality of financial affiliates at an equal money value; Pre-integrated integration points reimbursed in cash in real currency according to the equivalency of remittances are used for integration points used in connection with the plurality of financial affiliates-various investments operated by each financial affiliate (or affiliates or affiliates) included in the integration points. Commodities or products, or loan interest to be paid to each financial affiliate (or affiliate, or affiliate) included in the integration point, or various charges imposed by each financial affiliate (or affiliate, or affiliate) included in the integration point Integration point trading means for use in commissions; Point payment checking means for checking an individual point payment for each of one or more affiliated companies included in the integrated point configuration information; Integration point generating means for generating the integrated points having the same amount of money by collecting the individual points for each of the affiliated companies at an equal money value when confirming the payment of the individual points for each of the affiliated companies; And And a point settlement processing means for balancing and processing the generated integration point in the advance payment integration point.

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