KR20130082670A

KR20130082670A - System and method for reserving point using double reserving card

Info

Publication number: KR20130082670A
Application number: KR1020110134174A
Authority: KR
Inventors: 김대천
Original assignee: 김대천
Priority date: 2011-12-14
Filing date: 2011-12-14
Publication date: 2013-07-22

Abstract

PURPOSE: A point accumulation system using a mutual accumulation card and a method thereof are provided to offer the win-win point providing service between a member and a plurality of member stores and maximize the additional incomes of the plurality to member stores by a powerful compensation system. CONSTITUTION: When member store terminals (20,20') inform the usage history of mutual accumulation cards (30,30') to a value added network (VAN) server (40) in order to accumulate the points according to paid money, a point accumulation server (60) inquires the information for a member, who has a mutual accumulation card, and the card information of the mutual accumulation card by using the VAN server and receives the member information, the card information, and the paid money information from the VAN server. A financial server (50) receives the paid money from the member terminals with a virtual account deposit method. [Reference numerals] (10) Company server; (20,20') Member store terminal; (30,30') Mutual accumulation card; (40) VAN server; (50) Financial server; (60) Point accumulation server; (AA,BB,CC) Point accumulation and usage; (DD,EE,FF,HH) Data transmission; (GG,II) Virtual account deposit

Description

Point earning system and mutual points earning method using mutual credit card {System and method for reserving point using double reserving card}

The present invention relates to a point earning system and a point earning method using a mutual credit card, and more specifically, the point earning and recommendation anywhere in the country by unifying that the points earning in the individual business field of the current distribution structure is plurally generated. Through the points earning system and points earning method using a mutual credit card to enable the points earning and use between merchants through.

Conventionally, when a consumer pays for a purchase of goods or services through an affiliated store, a credit card that accumulates a certain percentage of the payment is used as a cash substitute or provides a prize. Issuance, manager and card issuer coincide with "Imployer-specific earning card" which can be used only when purchasing goods at the card issuer's office, and issuing and managing the earning card in one place. There is a "joint earning card" that recruits merchants to use the card jointly, and earns a credit (or points) according to a certain accumulation rate regardless of which merchant or product is purchased.

Conventionally, a representative form of the joint credit card is described in Korean Laid-Open Patent Publication No. 2001-104535. In Korean Patent No. 2001-104535, the credit card operator makes a credit card that can be used at multiple merchants and pays it to the customer, and the customer presents the credit card when purchasing the goods at a merchant that has a contract with the credit card operator. The joint earning card to earn credits is disclosed.

In general, the above-mentioned merchant-specific earning card and joint earning card takes the same method as in 2001-104535, and can take the form of one free pass for 10 times separately from the earning card accumulating these points. .

Here, in addition to the operator's unique earning card, in order to actually use in the joint earning card, we set low point accumulation so that points are accumulated for a long time, so it is difficult to use the actually earned points, and the holder must always go to the merchant for earning. There has been inconvenience.

On the other hand, in the case of tensing to encourage the purchase of consumers in the form of giving a free ticket once using 10 times, there has been the inconvenience of always looking for a designated merchant to earn points with a joint credit card.

Accordingly, in order to solve these problems, various processes are being developed in the technical field to activate the traditional point-providing form and distribution transaction, but no innovative method is provided so far.

Therefore, in the present invention, a process for returning benefits to both the affiliated merchant and the recommended affiliated store when a customer who finds the affiliated store in one affiliated store through the recommendation system using another affiliated store which may belong to the same or different types through recommendation. To provide.

[Related Technical Literature]

1. Cumulative online credit card service method and system (Patent Application No. 10-2000-0025755)

2. Co-accumulation card for identification of grant merchants (Patent Application No. 10-2004-0071435)

The present invention is to solve the above problems, to enable a new type of point providing service to WIN-WIN each other between a member corresponding to the consumer and a plurality of merchants that are distributors to maximize the additional income by a strong compensation system To provide a point earning system and points earning method using a mutual credit card.

In addition, the present invention by forming a single merchant alliance around the merchant, giving members the joy of consumption and benefits of the credit card system, merchants using mutual credit card to achieve increased merchant sales through mutual member exchange To provide a point earning system and points earning method.

However, the objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood by those skilled in the art from the following description.

Point earning system using the mutual credit card according to an embodiment of the present invention in order to achieve the above object, to receive points earned by paying the amount to the merchant terminal provided in the merchant corresponding to the merchant of the company server Credit card; When the affiliated store terminal notifies the VAN server of the use of the mutual credit card to accumulate points according to the paid amount, the member information having the mutual credit card by the VAN server and the card information of the mutual credit card A point earning server for receiving the inquired member information, the card information, and the paid money information from the VAN server after performing an inquiry; And a banking server which receives the amount paid to the affiliated store terminal through the mutual credit card from the affiliated store terminal in a virtual account deposit method. The point credit server is notified of the deposit of the virtual account from the bank server, the mutual credit card, the affiliated terminal, the point corresponding to the percentage of different rates set in advance with respect to the paid amount; Each of the VAN server, the financial server and the company server is characterized in that after earning points corresponding to a predetermined percentage from the paid amount is stored.

In the point earning system using a mutual credit card according to another embodiment of the present invention, the affiliated store terminal, is the case when the first recommendation from the other merchant terminal provided in the other affiliated stores of the company server for the mutual credit card After determining, it is preferable to notify the fact of the use of the mutual credit card including the first recommendation to the VAN server in order to accumulate points according to the paid amount.

In the point earning system using the mutual credit card according to another embodiment of the present invention, the VAN server, after querying the member information and the card information of the mutual credit card, the inquiry member It is preferable to transmit the information, the card information, the payment amount information, and the first recommendation information for the affiliated store terminal to the point accumulation server.

In the point earning system using a mutual credit card according to another embodiment of the present invention, the point credit server, using the primary recommendation information to determine whether to recommend from the other merchant terminal of the merchant terminal, the financial rights server A virtual account deposit is notified from the user, and the points corresponding to different percentages set in advance with respect to the paid amount of the mutual credit card, the affiliated terminal, the other affiliated terminal, the VAN server, the financial server and the company It is preferable to accumulate and store points corresponding to a predetermined percentage in the paid amount for each server.

In the point earning system using the mutual credit card according to another embodiment of the present invention, the affiliated store terminal, if the second recommendation from the other merchant terminal provided in another affiliated store of the company server for the mutual credit card After determining, it is preferable to notify the fact that the mutual credit card including the second recommendation to the VAN server in order to accumulate points according to the paid amount.

In the point earning system using the mutual credit card according to another embodiment of the present invention, the VAN server, after querying the member information and the card information of the mutual credit card, the inquiry member It is preferable to transmit the information, the card information and the paid amount information, the first recommendation information and the second recommendation information for the affiliated store terminal to the point accumulation server.

In a point earning system using a mutual credit card according to another embodiment of the present invention, the point credit server, the other merchant terminal of the affiliated store terminal using the first recommendation information and the second recommendation information, and the first The third merchant terminal, which is a merchant terminal that recommends the other merchant terminal, determines whether to recommend it, receives a virtual account deposit from the financial server, and points a percentage corresponding to a predetermined percentage of the paid amount. After storing the points corresponding to a predetermined percentage in the amount paid for the mutual credit card, the merchant terminal, the other merchant terminal, the third merchant terminal, the VAN server, the financial server and the company server respectively. It is desirable to.

In the point earning system using a mutual credit card according to another embodiment of the present invention, the point credit server, the points corresponding to 50% of the amount paid to the mutual credit card, the amount paid to the merchant terminal A point corresponding to 15% of the point, a point corresponding to 10% of the amount paid to the other affiliated terminal, a point corresponding to 5% of the amount paid to the third affiliate terminal, which is an indirect referee, and the VAN server. It is preferable to accumulate points corresponding to 10% of the paid amount to the company server.

Point earning method using the mutual credit card according to an embodiment of the present invention in order to achieve the above object, the first to pay the amount to the merchant terminal provided in the merchant corresponding to the affiliated store of the company server using the mutual credit card step; When the affiliated store terminal notifies the VAN server of the fact that the mutual credit card is used to accumulate points according to the paid amount, the VAN server displays the member information of the mutual credit card and the card information of the mutual credit card. A second step of transmitting the inquired member information, the card information, and the paid money information to a point accumulation server after inquiring; A third step in which the merchant terminal deposits the amount paid to the affiliated store terminal through the mutual credit card to the financial institution server in a virtual account deposit method; And the point credit server is notified of the deposit of the virtual account from the financial institution server, and the points corresponding to different percentages set in advance with respect to the paid amount of the mutual credit card, the merchant terminal, the VAN server, A fourth step of accumulating and storing points corresponding to a predetermined percentage in the amounts paid for the financial server and the company server, respectively; Characterized in that it comprises a.

In the method of earning points using a mutual credit card according to another embodiment of the present invention, the first step is that the merchant terminal is first from another affiliated terminal provided at another affiliated store of the company server for the mutual credit card. Determining whether a recommendation is received (a); (B) paying, by the affiliated store terminal, the merchant card to the affiliated store terminal according to a first recommendation for the mutually credited card from the other affiliated store terminal; .

In the method of earning points using a mutual credit card according to another embodiment of the present invention, the second step includes the mutual recommendation including whether the affiliated store terminal first recommends a VAN server to accumulate points according to the paid amount. Upon notification of the use of the credit card, the VAN server inquires the member information holding the mutual credit card and the card information of the mutual credit card, and then the inquired member information and the card information and the paid amount. It is preferable to transmit the information, and the primary recommendation information for the affiliated store terminal to the point accumulation server.

In a method of accumulating points using a mutual credit card according to another embodiment of the present invention, the fifth step, the point credit server, whether the recommendation from the other merchant terminal of the merchant terminal using the first recommendation information; Determining (c); And receiving the virtual account deposit from the financial institution server, and receiving the points corresponding to the percentages of the predetermined percentages of the paid amount, the mutual credit card, the affiliated terminal, and the other affiliated terminal. (D) accumulating and storing points corresponding to predetermined percentages in the amounts paid for the VAN server, the financial server and the company server, respectively; .

In the method of earning points using a mutual credit card according to another embodiment of the present invention, the first step is the secondary terminal from the other merchant terminal provided in the other merchants of the company server for the mutual credit card Determining whether a recommendation is received (a); And (b) receiving, by the affiliate terminal, a second recommendation for the mutual credit card from the other affiliate terminal and paying the affiliate credit card to the affiliate terminal. .

In the method of earning points using a mutual credit card according to another embodiment of the present invention, the second step includes: whether the affiliated store terminal includes a second recommendation to the VAN server for earning points according to the paid amount. Upon notification of the use of the credit card, the VAN server inquires the member information holding the mutual credit card and the card information of the mutual credit card, and then the inquired member information and the card information and the paid amount. It is preferable to transmit the information, and the first recommendation information and the second recommendation information for the affiliated store terminal to the point accumulation server.

In a method of accumulating points using a mutual credit card according to another embodiment of the present invention, the fifth step is the point credit server, the first recommendation information and the second recommendation information of the merchant terminal using the second recommendation information; (C) determining whether a recommendation is made from an affiliated store terminal and a third affiliated store terminal, which is an affiliated store terminal recommending the first other affiliated store terminal; And receiving the virtual account deposit from the financial institution server, and receiving the points corresponding to the percentages of the predetermined percentages of the paid amount, the mutual credit card, the affiliated terminal, and the other affiliated terminal. (D) accumulating and storing points corresponding to a preset percentage point in the amounts paid for the third affiliated terminal, the VAN server, the financial server and the company server, respectively; .

In a method for accumulating points using a mutual credit card according to another embodiment of the present invention, the step (d), the point credit server, the points corresponding to 50% of the amount paid to the mutual credit card, the Points equal to 15% of the amount paid to the merchant terminal, points equal to 10% of the amount paid to the other merchant terminal, and 5% of the amount paid to the third merchant terminal, which is an indirect referee. Points, it is preferable to accumulate points corresponding to 10% of the amount paid to the VAN server and the company server.

Point earning system and point earning method using a mutual credit card according to an embodiment of the present invention, by providing a new type of point providing service that WIN-WIN each other between a member corresponding to the consumer and a plurality of merchants that are distributors, It provides the effect of maximizing the additional income between merchants by the compensation system.

In addition, the points earning system and points earning method using the mutual credit card according to another embodiment of the present invention, by forming a single merchant alliance around the merchant, giving the benefits and consumption of the credit card system to the member, Merchants provide the effect of increasing merchant sales through mutual membership exchange.

1 is a view showing a point earning system using a mutual credit card according to an embodiment of the present invention.
Figure 2 is a flow chart showing the entire process of the point earning method using a mutual credit card according to an embodiment of the present invention.
FIG. 3 is a flowchart specifically illustrating a payment process of money to an affiliated store terminal using the mutual credit card of FIG. 2.
FIG. 4 is a flowchart specifically illustrating a process of subtracting points corresponding to a preset percentage from each paid amount in FIG. 2.

Hereinafter, a method and system for hitting a baseball game according to each embodiment of the present invention will be described with reference to the accompanying drawings.

The following embodiments are detailed description to help understand the present invention, and it should be understood that the present invention is not intended to limit the scope of the present invention. Therefore, equivalent inventions that perform the same functions as the present invention will also fall within the scope of the present invention.

In addition, in adding reference numerals to the constituent elements of the drawings, it is to be noted that the same constituent elements are denoted by the same reference numerals even though they are shown in different drawings. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

In addition, in describing the component of this invention, terms, such as 1st, 2nd, A, B, (a), (b), can be used. These terms are intended to distinguish the constituent elements from other constituent elements, and the terms do not limit the nature, order or order of the constituent elements. When a component is described as being "connected", "coupled", or "connected" to another component, the component may be directly connected to or connected to the other component, It should be understood that an element may be "connected," "coupled," or "connected."

In the embodiment of the present invention, "communication", "communication network", "internet network" and "network" may be used as the same meaning. The three terms refer to wired and wireless local area and wide area data transmission and reception networks capable of transmitting and receiving a file between a user terminal, a terminal of another user, and a download server.

In the following description, the term " server " refers to a server computer to which users are connected and connected to use contents. If the capacity is small or the number of users is small, a plurality of programs can be operated on one server. In addition, when the capacity is very large or the number of real-time access number is large, there may be more than one server for operating a system, depending on the function of the server.

1 is a view showing a point earning system 1 using a mutual credit card according to an embodiment of the present invention. Referring to Figure 1, the point earning system 1 using the mutual credit card company server 10, merchant terminal 20, mutual credit card 30, VAN server 40, financial rights server 50, and The point accumulation server 60 is included.

The company server 10 is a system configuration unit for recruiting members and recruiting affiliates through the issuance of the mutual credit card 30 and recruiting and managing affiliated stores.

Merchant terminal 20 is a terminal provided in the merchant for recruiting members, recruitment and management of affiliates, not only points earned and used for mutual credit card 30, but also recommended for other merchant terminals 20 '. You can earn points even if you use through the affiliated shop terminal 20 'recommended through the mutual credit card (30).

That is, the affiliated store terminal 20 is not only the amount paid to the affiliated store terminal 20, but also a predetermined percentage point for the amount paid to another affiliated store terminal 20 'by recommendation of the affiliated store terminal 20. Receive points earned from the server 60.

On the other hand, it may be replaced by an affiliated store terminal in a similar concept to the affiliated store terminal 20.

In this case, unlike the affiliated store terminal 20, the affiliated point terminal is a terminal that can not be used for points and can only earn points for the mutual credit card (30). In addition, the merchant card 20 and other similar concepts may be replaced by a comprehensive card terminal. In this case, the comprehensive card company terminal may perform member recruitment as well as member recruitment.

The mutual credit card 30 is a card possessed by a member who subscribes to the mutual point earning service as a consumer, and can use it by paying the amount at the merchant terminal 20 and earning points or replacing the accumulated points with the amount paid.

Reciprocal credit card 30 is a member according to the amount of money used in at least one or more affiliated store terminal 20 subscribed to at least one or more company server 10 so that the points are collected on the point credit server 60 It is a card to play.

In one embodiment of the present invention, the mutual credit card 30 is stored in the point server 60 receives points corresponding to 50% of the amount paid to the merchant terminal 20 used. In addition, 15% of the amount paid is credited to the merchant corresponding to the affiliated store terminal 20 received the amount using the mutual credit card (30). On the other hand, 10% of the amount paid to the merchant terminal 20 when the other merchant terminal 20 'is recommended as a management fund. In addition, the first recommended merchant terminal (also referred to as a third merchant terminal) of the recommendation of the second stage is indirect referrals, and 5% is accumulated. Finally, the VAN server 40 and the company server 10 are accumulated on the point earning server 60 as much as 10% of the amount paid, respectively.

Here, the meaning that the amount paid to the affiliated store, etc. corresponding to the affiliated store terminal 30 means to accumulate, the affiliated store managers including the affiliated store terminal 20 and other affiliated store terminals 20 'and the third affiliated store terminal are also mutually related. Each of the earning card, which means that you can use as much cash as points earned through each mutual credit card.

Accordingly, in the member's position having the mutual credit card 30, a deposit is generated whenever the member stores nationwide corresponding to the franchise of the company server 10 are used. Make sharing active.

A value-added network server (VAN server) 40 is a server that performs member information and card information inquiry on the mutual credit card 30, and points when accumulating and using points on the mutual credit card 30. Access to the earning server 60 to perform the deduction according to the points earned and used.

Accordingly, the VAN server 40 is a fee from the point earning server 60 when the point accumulation and use of the points of the mutual credit card 30 performed by the affiliated store terminal 20 and the other merchant terminal 20 'is completed. Get paid.

The banking server 50 receives the virtual account deposit for the amount paid to the affiliated terminal 20 by the member having the mutual credit card 30, and then notifies the point credit server 60 to the virtual account deposit. Pre-set points for the amount paid to the company server 10, merchant terminal 20, mutual credit card 30, VAN server 40 and the bank server 50 by the point earning server 60 is accumulated Or deduct points.

Point earning server 60 when the online inquiry for the mutual credit card 30 by the VAN server 40 is completed, the deduction according to the use of the point on the mutual credit card 30, or the company server 10 After performing point accumulation for the merchant terminal 20, the mutual credit card 30, the VAN server 40, and the financial server 50, and stores the calculated data according to the accumulation and deduction. To this end, the point accumulation server 60 should be provided with a database. In addition, the term "database" in this specification may mean a functional structural combination of software and hardware that stores information corresponding to each database. The database may be implemented with at least one table, and may further include a separate Database Management System (DBMS) for searching, storing, and managing information stored in the database. Also, it can be implemented in various ways such as a linked-list, a tree, and a relational database, and includes all data storage media and data structures capable of storing information corresponding to a database.

Figure 2 is a flow chart showing the entire process of the point earning method using a mutual credit card according to an embodiment of the present invention. Hereinafter will be described based on the points earned for the mutual credit card 30, it can be transformed to be able to pay with the points earned in the mutual credit card 30 instead of payment of the amount.

1 and 2, the amount of payment to the merchant terminal 20 provided in the affiliated store corresponding to the affiliated store of the company server 10 as a mutual credit card 30 for earning points according to the payment amount ( S10).

Accordingly, when the merchant terminal 20 notifies the VAN server 40 of the use of the mutual credit card 30 to use and accumulate points according to the paid amount, the VAN server 40 mutually credit card 30 After querying the membership information and card information of the mutual credit card (30), and transmits the inquired member information and card information and the payment amount information to the point credit server (60) (S2).

After the step (S3), the member having the mutual credit card 30, the merchant terminal 30 pays the amount paid to the merchant terminal 30 through the mutual credit card 30 by the bank account server 50 in a virtual account deposit method. Receive a deposit in (S3).

After step S3, the point credit server 60 notified of the virtual account deposit from the financial institution server 50 is the mutual credit card 30, merchant terminal 20, VAN server 40, The amount corresponding to the predetermined percentage is subtracted from the amount paid for the financial institution server 50 and the company server 10, and then stored (S4).

FIG. 3 is a flowchart specifically illustrating a payment amount payment process to the affiliated store terminal 20 using the mutual credit card 30 of FIG. 2. 1 to 3, another affiliated terminal 20 ′ starts determining whether to be recommended from the affiliated terminal 20 provided in the affiliated store of the company server 10 with respect to the mutual credit card 30 (S11). ).

In the first step of the determination of step S11, the other affiliated terminal 20 'determines whether the mutual credit card 30 is the first recommended (S12).

As a result of the determination of step S12, the other affiliated terminal 20 'is the mutually credited card 30, when the first recommendation of the mutually credited card 30, the other affiliated terminal 20' provided in the affiliated store of the company server 10 Pay the amount in (S13).

On the other hand, when the other affiliated store terminal 20 'is not the first recommendation of the mutual credit card 30, the other affiliated store terminal 20' is the second mutually recommended card 30 'is recommended by the determination result of step S12. It is determined whether or not the case (S14).

As a result of the determination of step S14, the other affiliated store terminal 20 'is the mutually credited card 30 when the second mutually-referred card 30 is recommended as another affiliated store terminal 20' provided at the affiliated store of the company server 10 as the mutually-supported card 30. Pay the amount in (S15).

Then, after returning to step S2 of FIG. 2, the other merchant terminal 20 ′ checks whether the primary recommendation and / or secondary recommendation is made to the VAN server 40 for use and accumulation of points according to the paid amount. Upon notification of the usage of the mutual credit card 30, the VAN server 40 inquires the member information having the mutual credit card 30 and the card information of the mutual credit card 30, and then inquires the member information. And the first recommendation information and / or the second recommendation information indicating whether the card information, the paid amount information, and the other affiliated terminal 20 'are the first recommendation terminal or the second recommendation terminal. Send to 60.

FIG. 4 is a flowchart specifically illustrating a process of subtracting points corresponding to a preset percentage from each paid amount in FIG. 2. Referring to Figures 1 to 4, the point earning server 60 starts the decision whether the other merchant terminal 20 'is recommended from the affiliated store terminal 20 provided in the affiliated store of the company server (10) (S21).

In the first step of the determination of step S21, the point accumulation server 60 is the primary recommendation information and / or the second recommendation information is received from the VAN server 40 when the other merchant terminal 20 'is first recommended. It is determined whether this is the case (S22).

As a result of the determination in step S22, the point credit server 60 is a mutual credit card 30 for the amount paid when the other merchant terminal 20 'is first recommended, the first merchant terminal 20 recommended, 1 The second recommended merchant terminal 20 ', VAN server 40, the banking server 50 and the company server 10, after subtracting the points corresponding to the preset percentage from the amount paid for each (S23) ).

Meanwhile, as a result of the determination of step S22, the other affiliated terminal 20 'is not the case when the mutual credit card 30 is the first recommendation point earning server 60, the second affiliated terminal 20' is secondly recommended. It is determined whether or not (S24).

As a result of the determination in step S24, the point credit server 60 is the mutual credit card 30, primary and 2 for the amount paid by the mutual credit card 30 when the other merchant terminal 20 'is second recommended. Primary recommended merchant terminal (where the secondary recommended terminal may be an affiliated store terminal 20), primary and secondary recommended merchant terminal (where the secondary recommended terminal may be another affiliated store terminal 20 '). ), The VAN server 40, the financial institution server 50 and the company server 10 is stored after subtracting a point corresponding to a preset percentage from the amount of money (S23).

Point earning system and points earning method using the mutual credit card according to the embodiment of the present invention described above, the application basically installed on the point earning server (this is a program included in the platform or operating system basically mounted on the point earning server) May be executed by an application (ie, a program) that is directly installed in a user terminal through an application providing server such as an application store server, an application, or a web server associated with the corresponding service. have. In this sense, the point earning system and the point earning method using the mutual credit card according to the embodiment of the present invention described above are implemented as an application (ie, a program) basically installed in the point earning server or directly installed by the user. It may be recorded on a computer-readable recording medium.

Such a program may be recorded on a recording medium that can be read by a computer and executed by a computer so that the above-described functions can be executed.

As described above, in order to execute the point earning system and the point earning method using the mutual credit card in each embodiment of the present invention, the above-described program can be read by C, C ++, JAVA, machine language, etc. Code may be coded in a computer language.

The code may include a function code related to a function or the like that defines the functions described above and may include an execution procedure related control code necessary for the processor of the computer to execute the functions described above according to a predetermined procedure.

In addition, such code may further include memory reference related code as to what additional information or media needed to cause the processor of the computer to execute the aforementioned functions should be referenced at any location (address) of the internal or external memory of the computer .

In addition, when a processor of a computer needs to communicate with any other computer or server, etc., to perform the above-described functions, the code may be stored in a computer's communication module (e.g., a wired and / ) May be used to further include communication related codes such as how to communicate with any other computer or server in the remote, and what information or media should be transmitted or received during communication.

The functional program for implementing the present invention and the related code and code segment may be implemented by programmers of the technical field of the present invention in consideration of the system environment of the computer that reads the recording medium and executes the program, Or may be easily modified or modified by the user.

Examples of recording media that can be read by a computer recording a program as described above include, for example, a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical media storage device, and the like.

Also, the computer-readable recording medium on which the above-described program is recorded may be distributed to a computer system connected via a network so that computer-readable codes can be stored and executed in a distributed manner. In this case, one or more of the plurality of distributed computers may execute some of the functions presented above and send the results of the execution to one or more of the other distributed computers, The computer may also perform some of the functions described above and provide the results to other distributed computers as well.

In particular, a point earning system and a point earning method using a mutual credit card according to each embodiment of the present invention, an application provider server, such as an application store server (Application Store Server), an application or a web server associated with the service (Application Provider Server) ) May be a storage medium (for example, a hard disk) or the application providing server itself.

A computer that can read a point earning system and a point earning method using a mutual credit card according to each embodiment of the present invention is not only a general PC such as a general desktop or a notebook, but also a smart phone, a tablet PC, a PDA (Personal Digital Assistants) And a mobile terminal such as a mobile communication terminal, as well as it should be interpreted as any device capable of computing.

In addition, when the computer that can read the point earning method using the mutual credit card according to an embodiment of the present invention is a mobile terminal such as a smart phone, tablet PC, PDA (Personal Digital Assistants) and mobile communication terminal, the application provides an application It can be downloaded from a server to a general PC and installed on a mobile terminal through a synchronization program.

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiments, it is to be understood that the invention is not limited to the disclosed embodiments. In other words, within the scope of the present invention, all of the components may be selectively operated in combination with one or more. In addition, although all of the components may be implemented as one independent hardware, some or all of the components may be selectively combined to perform a part or all of the functions in one or a plurality of hardware. As shown in FIG. Codes and code segments constituting the computer program may be easily inferred by those skilled in the art. Such a computer program may be stored in a computer readable storage medium and read and executed by a computer, thereby implementing embodiments of the present invention. As a storage medium of the computer program, a magnetic recording medium, an optical recording medium, or the like can be included.

It is also to be understood that the terms such as " comprises, "" comprising," or "having ", as used herein, mean that a component can be implanted unless specifically stated to the contrary. But should be construed as including other elements. All terms, including technical and scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless otherwise defined. Commonly used terms, such as predefined terms, should be interpreted to be consistent with the contextual meanings of the related art, and are not to be construed as ideal or overly formal, unless expressly defined to the contrary.

The above description is merely illustrative of the technical idea of the present invention, and those skilled in the art to which the present invention pertains may make various modifications and variations without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas falling within the scope of the same shall be construed as falling within the scope of the present invention.

10: Company server
20: Merchant Terminal
30: card terminal
40: VAN server
50: financial server
60: point accumulation server

Claims

Mutual credit card for receiving points earned by paying the amount to the merchant terminal provided in the merchant corresponding to the affiliated store of the company server;
When the affiliated store terminal notifies the VAN server of the use of the mutual credit card to accumulate points according to the paid amount, the member information having the mutual credit card by the VAN server and the card information of the mutual credit card A point earning server for receiving the inquired member information, the card information, and the paid money information from the VAN server after performing an inquiry; And
A banking server which receives the amount paid to the affiliated store terminal through the mutual credit card from the affiliated store terminal in a virtual account deposit method; Including;
The point credit server receives a virtual account deposit from the financial institution server, and the points corresponding to different percentages set in advance with respect to the amount paid are the mutual credit card, the merchant terminal, the VAN server, and the point. Point earning system using a mutual credit card, characterized in that after earning the points corresponding to a predetermined percentage from the amount paid for each of the financial server and the company server.

The merchant terminal according to claim 1,
After determining whether a first recommendation is received from another affiliated terminal provided in another affiliated store of the company server for the mutual credit card, the first including the first recommendation to the VAN server to accumulate points according to the paid amount Point earning system using a mutual credit card, characterized in that the notification of the use of the mutual credit card.

The method according to claim 2, wherein the VAN server,
After inquiring the member information having the mutual credit card and the card information of the mutual credit card, the retrieved member information, the card information, the paid amount information, and the first recommendation information for the affiliated store terminal are recalled. Point earning system using a mutual credit card, characterized in that the transmission to the point credit server.

The method according to claim 3, The point earning server,
Using the primary recommendation information to determine whether to recommend from the other affiliated store terminals of the affiliated store terminal,
Upon receiving notification of the deposit of the virtual account from the bank, the mutual credit card, the merchant terminal, the other merchant terminal, the VAN server, and the banknote are assigned to a point corresponding to a predetermined percentage of the paid amount. Point earning system using a mutual credit card, characterized in that after earning the points corresponding to a predetermined percentage from the paid amount for each of the server and company server.

The merchant terminal according to claim 1,
After determining whether a second recommendation is received from another affiliated terminal provided in another affiliated store of the company server for the mutual credit card, the second including the second recommendation to the VAN server to accumulate points according to the paid amount Point earning system using the mutual credit card, characterized in that the notification of the use of the mutual credit card.

The method according to claim 5, wherein the VAN server,
After querying the member information having the mutual credit card and the card information of the mutual credit card, the inquired member information, the card information and the paid amount information, and the first recommendation information for the affiliated store terminal and 2 Point earning system using the mutual credit card, characterized in that for transmitting the car recommendation information to the point credit server.

The method according to claim 6, wherein the point earning server,
Determining whether or not a recommendation is made from the other affiliated terminal of the affiliated store terminal and the third affiliated store terminal, which is the affiliated terminal terminal recommending the first other affiliated terminal, by using the primary recommendation information and the secondary recommendation information,
Upon receiving notification of the virtual account deposit from the financial institution server, the mutual credit card, the affiliated terminal, the other affiliated terminal, the third affiliated terminal, and a point corresponding to a percentage of a predetermined percentage of the paid amount are set. Point earning system using the mutual credit card, characterized in that after storing the points corresponding to a predetermined percentage from the amount paid for the VAN server, the financial server and the company server, respectively.

The method according to claim 7, wherein the point earning server,
50% of the amount paid to the mutual credit card, 15% of the amount paid to the merchant terminal, 10% of the amount paid to the other merchant terminal, A mutually credit card, wherein the third affiliated terminal, which is an indirect recommender, accumulates points corresponding to 5% of the paid amount, and points corresponding to 10% of the paid amount to the VAN server and the company server. Point earning system using.

A first step of paying an amount to an affiliated store terminal provided in the affiliated store in correspondence with an affiliated store of the company server using a mutual credit card;
When the affiliated store terminal notifies the VAN server of the fact that the mutual credit card is used to accumulate points according to the paid amount, the VAN server displays the member information of the mutual credit card and the card information of the mutual credit card. A second step of transmitting the inquired member information, the card information, and the paid money information to a point accumulation server after inquiring;
A third step in which the merchant terminal deposits the amount paid to the affiliated store terminal through the mutual credit card to the financial institution server in a virtual account deposit method; And
The point credit server receives a virtual account deposit from the financial institution server, and the points corresponding to different percentages set in advance with respect to the amount paid are the mutual credit card, the merchant terminal, the VAN server, and the point. A fourth step of accumulating and storing points corresponding to a predetermined percentage in the amounts paid for the financial server and the company server, respectively; Point earning method using a mutual credit card, characterized in that it comprises a.

The method of claim 9, wherein the first step,
(A) determining whether the affiliated store terminal receives a first recommendation from another affiliated store terminal provided at another affiliated store of the company server for the mutual credit card;
(B) paying, by the affiliated store terminal, the affiliated card to the affiliated store terminal according to a first recommendation for the mutual credit card from the other affiliated store terminal; Point earning method using a mutual credit card, characterized in that it comprises a.

The method of claim 10, wherein the second step,
When the affiliated store terminal notifies the VAN server of the fact that the mutual matching card is used, including whether the primary recommendation is used to accumulate points according to the paid amount, the VAN server, the member information carrying the mutual matching card, and the The card information of the mutual credit card is queried, and then the queried member information, the card information and the paid amount information, and first recommendation information about the affiliated store terminal are transmitted to the point credit server. How to earn points using the earning card.

The method of claim 11, wherein the fifth step,
(C) determining, by the point accumulation server, whether the recommendation is made from the other affiliated store terminal of the affiliated store terminal using the primary recommendation information;
The point credit server is notified of the virtual account deposit from the financial institution server, and the points corresponding to different percentages set in advance with respect to the paid amount of the mutual credit card, the merchant terminal, the other merchant terminal, (D) accumulating and storing points corresponding to a preset percentage point in the amounts paid for the VAN server, the financial server and the company server, respectively; Point earning method using a mutual credit card, characterized in that it comprises a.

The method of claim 9, wherein the first step,
(A) determining whether the affiliated store terminal receives a second recommendation from another affiliated store terminal provided at another affiliated store of the company server for the mutual credit card;
(B) the merchant terminal receiving a second recommendation for the mutual credit card from the other affiliate terminal and paying the merchant card with the mutual credit card; Point earning method using a mutual credit card, characterized in that it comprises a.

14. The method of claim 13,
When the affiliated store terminal notifies the VAN server of the fact of using the mutual credit card including the second recommendation to the VAN server to accumulate points according to the paid amount, the VAN server, the member information having the mutual credit card, and the After the card information of the mutual credit card is inquired, the inquired member information, the card information, the paid amount information, and the first recommendation information and the second recommendation information for the affiliated store terminal are transmitted to the point credit server. Point earning method using a mutual credit card, characterized in that.

The method of claim 14, wherein the fifth step,
The point accumulation server determines whether to recommend from the third affiliated terminal, which is the affiliated terminal that recommends the other affiliated terminal of the affiliated store terminal and the first other affiliated store terminal by using the primary recommendation information and the secondary recommendation information. Step (c);
The point credit server is notified of the virtual account deposit from the financial institution server, and the points corresponding to different percentages set in advance with respect to the paid amount of the mutual credit card, the merchant terminal, the other merchant terminal, (D) accumulating and storing points corresponding to a preset percentage point from the amounts paid for the third affiliated terminal, the VAN server, the financial server and the company server, respectively; Point earning method using a mutual credit card, characterized in that it comprises a.

The method according to claim 15, wherein step (d),
The point earning server, 50% of the amount paid to the mutual credit card, 15% of the amount paid to the merchant terminal, 10 of the amount paid to the other merchant terminal To accumulate points corresponding to%, points corresponding to 5% of the amount paid to the third member terminal, which is an indirect referee, and points corresponding to 10% of the amount paid to the VAN server and the company server. Point earning method using a mutual credit card characterized by.