KR20110089512A - Method for paying reserve fund to local goverment - Google Patents

Method for paying reserve fund to local goverment

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Publication number
KR20110089512A
KR20110089512A KR1020100008950A KR20100008950A KR20110089512A KR 20110089512 A KR20110089512 A KR 20110089512A KR 1020100008950 A KR1020100008950 A KR 1020100008950A KR 20100008950 A KR20100008950 A KR 20100008950A KR 20110089512 A KR20110089512 A KR 20110089512A
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card
information
local
company server
card company
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KR1020100008950A
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Korean (ko)
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한영수
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한영수
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G06Q30/0231—Awarding of a frequent usage incentive independent of the monetary value of a good or service purchased, or distance travelled
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0236—Incentive or reward received by requiring registration or ID from user

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • General Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Tourism & Hospitality (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

PURPOSE: A method for supporting card installment deposit to a local government is provided to support card accumulated deposit to a local government for planning the activity of a local economy. CONSTITUTION: Membership card information is inputted from a merchant terminal to a card company server. The card company server decides from a member database(330) whether the relevant member card is effective. The card company server transmits the admission information to the merchant terminal if the relevant member card is effective.

Description

지방자치단체에게 카드 적립금을 지원하기 위한 방법{Method for paying reserve fund to local goverment}Method for paying reserve fund to local goverment}

본 발명은 카드 발급 회원이 해당 지역내의 소상공인 가맹점에 카드 거래시에 부가 적립금을 지방자치단체에 지급하여 소상공인에게 혜택이 돌아갈 수 있도록 하는 지방자치단체에게 카드 적립금을 지원하기 위한 방법에 관한 것이다.
The present invention relates to a method for supporting card reserves to local governments that allow card issuing members to pay additional deposits to local governments when they trade cards to small business merchants in the region.

신용사회의 도래에 따라 많은 사람들이 신용카드를 소지하여 현금대신 사용함으로써 신용카드 사용액이 하마다 급증하고 있다.With the advent of the credit society, many people are using credit cards instead of cash, and the amount of credit card usage is increasing rapidly.

2008년도 기준으로 신용카드 결제액은 350조원을 넘어서고 있으며, 가맹점들의 수익액은 20조원 이상을 차지하고 있는 실정이다.As of 2008, credit card payments exceed W350tr and merchants account for over W20tr.

그런데, 대규모 사업장 가맹점과 지역 소상공인의 가맹점들 간의 카드사 수수료가 서로 달라 지역 소상공인들에게 불리하며, 또한 대규모 사업장 가맹점(예를들면 대형 할인매장, 백화점, 프렌차이즈 가맹점, 인터넷 쇼핑)들은 매출액이 크므로 카드사로부터 다양한 혜택을 받을 수 있지만, 지역 소상공인들은 매출액이 그만큼 크지 못하여 혜택을 받기가 거의 어렵다.However, credit card fees are different between large business merchants and local small business merchants, which is disadvantageous to local small business owners. There are a variety of benefits available from local businesses, but local small business owners are hardly profitable because their sales are not so large.

아울러 카드사로부터의 포인트 적립 등의 혜택이 회원 개인에게만 부여될 뿐 회원이 속해있는 지역사회에 직접적으로 미치지 못하는 문제점이 있다.
In addition, there is a problem that benefits such as earning points from card companies are granted only to individual members, and do not directly reach the community to which the member belongs.

따라서, 본 발명은 카드 발급 회원이 속해있는 지역별 코드를 카드에 부여하여 해당 카드로 지역 소상공인 가맹점에서 결제를 행할 때 카드사로부터 발생된 부가 혜택이 지역자치단체로 수여됨으로써 지역자치단체에서 이를 활용하여 다양한 혜택이 지역 소상공인에게 미치도록 함으로써 지역경제 활성화를 도모하도록 한 지방자치단체에게 카드 적립금을 지원하기 위한 방법을 제공하는데 목적이 있다.
Therefore, in the present invention, when the card issuer is assigned to a card for each region to which the card is issued, additional benefits generated from the card company are awarded to the local government when making payments at local small business merchants with the card, thereby making various use in the local government. Its purpose is to provide local governments with a way to support card reserves by promoting benefits to local small businesses.

이러한 목적을 달성하기 위한 본 발명은,The present invention for achieving this object,

가맹점 단말기로부터 회원카드의 정보가 카드사 서버로 입력되면, 카드사 서버는 회원 데이터베이스로부터 해당 회원카드가 유효한지를 판단하는 제1과정;If the member card information is input from the merchant terminal to the card company server, the card company server determines a validity of the corresponding member card from the member database;

해당 회원카드가 유효하면 카드사 서버가 가맹점 단말기로 승인정보를 전송함과 아울러 회원카드의 정보에 포함된 지역식별정보를 확인하는 제2과정;A second step of, if the corresponding member card is valid, the card company server transmitting authorization information to the affiliated store terminal and confirming regional identification information included in the information of the membership card;

카드사 서버에 의해 가맹점 단말기의 지역정보와 회원카드의 지역식별정보가 일치하면 약정된 플러스 포인트에 해당하는 적립금을 회원이 속한 지방자치단체가 개설한 계좌를 갖는 은행서버로 전송하는 제3과정;으로 구성된 것을 특징으로 한다.
A third step of transmitting, by the card company server, the regional information of the merchant terminal and the regional identification information of the membership card to a bank server having an account opened by the local government to which the member plus the committed point points; Characterized in that configured.

이와 같은 본 발명은 회원이 속해있는 지역에서 신용카드의 사용시 그로부터 발생하는 부가적인 혜택을 지역자치단체에 수여함으로써 이를 통해 지역 소상공인에게 혜택이 돌아가도록 하여 지역경제의 활성화에 큰 도움을 줄 수 있다.
The present invention as described above, by granting the local self-government additional benefits from the use of the credit card in the region where the member belongs to this can be a great help in revitalizing the local economy by returning benefits to local small businesses.

도1은 본 발명을 구현하기 위한 시스템을 보인 도.
도2는 카드사 서버의 내부 블럭도.
도3은 본 발명을 수행하기 위한 흐름도.1 shows a system for implementing the present invention.
2 is an internal block diagram of a card company server;
3 is a flow chart for carrying out the present invention.

이러한 본 발명을 첨부한 도면을 참조하여 상세히 설명한다.The present invention will be described in detail with reference to the accompanying drawings.

먼저, 회원은 회원 단말기(200)를 이용하여 통신망(300)을 통해 카드사 서버(300)에 접속하게 되고, 자신의 회원정보를 카드사(300)로 전송함으로써 회원카드(210)를 발급받게 된다.First, the member is connected to the card company server 300 through the communication network 300 using the member terminal 200, and receives the member card 210 by transmitting its member information to the card company 300.

이때 회원카드(210)의 카드번호에는 자신이 속한 지역의 정보가 포함되는데, 예를들면 카드번호가 "9410 1234 4567 8901"일 경우 다섯번째와 여섯번째 숫자를 지역정보로 표기할 수 있으며, 서울인 경우 '12', 부산인 경우 '13' 대구인 경우 '14'식으로 지역정보를 포함할 수 있다.At this time, the card number of the membership card 210 includes information of the region to which it belongs. For example, if the card number is "9410 1234 4567 8901", the fifth and sixth numbers may be indicated as local information. '12' in Busan, '13' in Busan, and '14' in Daegu.

이러한 회원카드의 정보는 카드사 서버(300)의 회원 데이터베이스(330)에 저장된다.The member card information is stored in the member database 330 of the card company server 300.

가맹점 단말기(400)는 사업장에 설치된 결제단말기 또는 인터넷 또는 기타 통신망(전화 또는 휴대전화 통신망)을 통한 결제일 경우 해당 사이트의 서버가 될 수 있으며, 이때 가맹점 단말기(400)가 설치된 지역의 정보가 카드사 서버(300)의 가맹점 데이터베이스(340)에 저장된다.The merchant terminal 400 may be a server of a corresponding site in the case of payment through a payment terminal or internet or other communication network (telephone or cellular phone communication network) installed at a business place, and the information of the region where the merchant terminal 400 is installed is a card company server. Stored in the merchant database 340 of (300).

회원카드(210)를 발급받은 회원이 자신의 회원단말기(200)를 이용하여 인터넷이나 기타 통신망(100)을 통해 결제를 하거나 또는 점포에 설치된 가맹점 단말기(400)에서 결제를 행하는 경우 회원카드(210) 정보와 가맹점 단말기(400)의 정보가 통신망(100)을 통하여 카드사 서버(300)로 전송되어진다.Member card (210) is issued a member using the member terminal 200, the payment via the Internet or other communication network 100, or when the payment in the merchant terminal 400 installed in the store member card (210) ) Information and information of the merchant terminal 400 is transmitted to the card company server 300 through the communication network (100).

상기 카드사 서버(300)의 프로세서(310)는 송수신부(320)를 통해 회원카드(210) 정보와 가맹점 단말기(400)의 정보를 인가받아 회원 데이터베이스(330)와 가맹점 데이터베이스(340)로부터 회원정보 및 가맹점 정보를 읽어들여 유효한 거래인지를 판단하게 되어 카드사용의 승인 여부를 결정하게 된다.The processor 310 of the card company server 300 receives member card 210 information and information of the merchant terminal 400 through the transceiver 320 and receives member information from the member database 330 and the merchant database 340. And it is determined whether the valid transaction by reading the merchant information to determine whether the use of the card.

이러한 카드 사용의 승인 여부 결정은 이미 일반적인 사항이므로 구체적인 설명은 하지 않는다.The decision to approve the use of such a card is already general and no detailed explanation is given.

카드 사용이 정상적인 경우라면 카드사 서버(300)는 가맹점 단말기(400)로 승인정보를 전송하여 카드 결제가 이루어질 수 있도록 하며, 이후 프로세서(310)는 회원 데이터베이스(330)와 가맹점 데이터베이스(340)로부터 읽혀진 회원정보와 가맹점정보를 기초로 하여 가맹점 단말기(400)의 지역정보와 회원카드(210)의 결제가 이루어진 지역이 동일한지를 판단하게 된다.If the card use is normal, the card company server 300 transmits the authorization information to the merchant terminal 400 so that the card payment can be made, and then the processor 310 is read from the member database 330 and the merchant database 340. Based on the member information and the merchant information, it is determined whether the region information of the merchant terminal 400 and the region where the payment of the member card 210 is made are the same.

프로세서(310)의 판단결과 회원카드(210)의 지역정보와 가맹점 단말기(400)의 지역정보가 서로 일치한다면, 이는 회원이 속해있는 지역의 가맹점을 이용하는 경우에 해당하므로, 기 약정된 플러스 포인트를 적립하게 된다.If the processor 310 determines that the regional information of the member card 210 and the local information of the affiliated terminal 400 correspond to each other, this corresponds to the case of using the affiliated store in which the member belongs, Earn

이러한 플러스 포인트의 적립은 지자체 데이터베이스(350)에 이미 데이터베이스화된 정보를 갱신함으로써 이루어지는데, 예를 들면 회원카드(210)의 지역정보와 가맹점 단말기(400)의 지역정보가 서로 서울의 지역정보인 '12'라고 한다면 서울에 해당하는 지방자치단체의 데이터베이스(350)에 플러스 포인트를 적립한다.The accumulation of such plus points is achieved by updating information already databased in the local government database 350. For example, the area information of the membership card 210 and the area information of the affiliated store terminal 400 are located in Seoul. If the number '12' is to accumulate plus points in the database 350 of the local government corresponding to Seoul.

또한, 회원 데이터베이스(330)에도 회원의 기본 포인트를 적립하게 된다.In addition, the member database 330 will also earn the basic points of the member.

이렇게 지자체 데이터베이스(350)에 적립된 플러스 포인트는 일정기간마다 프로세서(310)가 적립금으로 환산한 다음 지방자치단체가 개설한 은행의 계좌로 송금이 이루어질 수 있도록 은행서버(500)를 통신망(100)을 통해 연결하여 전송하게 된다.The plus points accumulated in the local government database 350 is the bank server 500 so that the transfer to the account of the bank established by the local government after the processor 310 is converted into reserves every predetermined period of time 100 It connects and transmits via.

물론, 회원카드(210)의 지역정보와 가맹점 단말기(400)의 지역정보가 서로 다른 경우 회원에게는 기본 포인트만 제공될 수 있도록 프로세서(310)는 회원 데이터베이스(330)를 갱신하게 된다. Of course, if the region information of the member card 210 and the region information of the affiliated store terminal 400 are different, the processor 310 updates the member database 330 so that only basic points are provided to the members.

이로써, 지방자치단체는 카드사로부터 제공되는 적립금을 이용하여 그 혜택이 지역 소상공인에게 돌아갈 수 있도록 하는 정책을 펴거나, 또는 각종 프로모션(이웃돕기, 장애우 돕기, 복권 사업 등)에 사용할 수 있을 것이다.In this way, local governments can use the reserves provided by card companies to develop policies that allow the benefits to be returned to local small businesses, or can be used for various promotions (helping neighbors, helping people with disabilities, lottery projects, etc.).

또한, 회원카드(210)의 지역정보와 가맹점 단말기(400)의 지역정보가 서로 한 경우에 지방자치단체의 홍보문구(예를들면, Hi - Seoul 등)를 영수증에 삽입함으로써 지역 주민으로서 소상공인과 지역자치단에의 경제 활성화에 대한 기여로 인한 성취감을 고취시킬 수 있을 것이다.
In addition, when the local information of the membership card 210 and the local information of the affiliated terminal 400 are inserted into each other, the local government may insert a promotional statement (for example, Hi-Seoul, etc.) of the local government into the receipt to A sense of accomplishment from the contribution of the economy to the local autonomy can be promoted.

100 : 통신망 200 : 회원 단말기
300 : 회원 카드 400 : 가맹점 단말기
500 : 은행서버100: communication network 200: member terminal
300: membership card 400: merchant terminal
500: Bank server

Claims (2)

가맹점 단말기로부터 회원카드의 정보가 카드사 서버로 입력되면, 카드사 서버는 회원 데이터베이스로부터 해당 회원카드가 유효한지를 판단하는 제1과정;
해당 회원카드가 유효하면 카드사 서버가 가맹점 단말기로 승인정보를 전송함과 아울러 회원카드의 정보에 포함된 지역식별정보를 확인하는 제2과정;
카드사 서버에 의해 가맹점 단말기의 지역정보와 회원카드의 지역식별정보가 일치하면 약정된 플러스 포인트에 해당하는 적립금을 회원이 속한 지방자치단체가 개설한 계좌를 갖는 은행서버로 전송하는 제3과정;으로 구성된 것을 특징으로 하는 지방자치단체에게 카드 적립금을 지원하기 위한 방법.
If the member card information is input from the merchant terminal to the card company server, the card company server determines a validity of the corresponding member card from the member database;
A second step of, if the corresponding member card is valid, the card company server transmitting authorization information to the affiliated store terminal and confirming regional identification information included in the information of the membership card;
A third step of transmitting, by the card company server, the regional information of the merchant terminal and the regional identification information of the membership card to a bank server having an account opened by the local government to which the member plus the committed point points; Method for supporting the card reserves to the municipality, characterized in that configured.
제1항에 있어서, 지역식별정보는 회원카드의 번호에 포함되는 것을 특징으로 하는 지방자치단체에게 카드 적립금을 지원하기 위한 방법.


The method of claim 1, wherein the local identification information is included in the number of the membership card.


KR1020100008950A 2010-02-01 2010-02-01 Method for paying reserve fund to local goverment KR20110089512A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20220008683A (en) * 2020-07-14 2022-01-21 주식회사 머니박스 A payback service method that provides payback when using affiliated stores in the local community
KR20220072213A (en) * 2020-11-25 2022-06-02 박건상 Lottery operation device and operation method for residents belonging to local governments

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20220008683A (en) * 2020-07-14 2022-01-21 주식회사 머니박스 A payback service method that provides payback when using affiliated stores in the local community
KR20220072213A (en) * 2020-11-25 2022-06-02 박건상 Lottery operation device and operation method for residents belonging to local governments

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