KR20140065668A

KR20140065668A - Method of saving point and server performing the same

Info

Publication number: KR20140065668A
Application number: KR1020120131336A
Authority: KR
Inventors: 김병윤
Original assignee: 주식회사 우리은행
Priority date: 2012-11-20
Filing date: 2012-11-20
Publication date: 2014-05-30

Abstract

A point saving server according to an embodiment of the present invention comprises a point saving unit for receiving target fund information including a target achievement period and a target amount from a user associated with a user terminal, and saving points corresponding to the target amount if the amount deposited in a financial account that the user has reaches the target amount or more within the target achievement period; and a gift certificate list providing unit for providing the user terminal with a gift certificate list which can be purchased by the points. Therefore, the point saving server can save the points corresponding to the target amount if the amount deposited in a financial account that the user has reaches the target amount or more within the target achievement period, and provide the user terminal with the gift certificate list which can be purchased by the points, thereby inducing the bank transaction of a client.

Description

METHOD OF SAVING POINT AND SERVER PERFORMING THE SAME,

Embodiments of the present invention relate to a point accumulation method and a server for executing the same.

Recently, in order to increase the service utilization rate of products and customer satisfaction in various industries, we have been operating the earning point system. A paid earning point may be utilized as cash for purchasing a specific product or service, or may be subject to barter with a product or item corresponding to accumulated points. When the accumulated points reach a certain level, they are able to use the service or the purchase of the product as points, thereby activating the purchase of the customer.

In the financial sector, there are cases where points are provided according to transaction performance. For example, there is a technology that provides the customer with the amount of credit points based on transaction performance at a particular bank. At this time, the earning point is calculated as soon as the financial transaction occurs. However, the user does not recognize the existence of such a point, so that the user may be automatically annihilated.

In an embodiment of the present invention, when the amount deposited in the financial account held by the user in the target period is equal to or more than the target amount, points corresponding to the target amount are accumulated, and a list of gift certificates available for purchase at points is provided to the user terminal A point accumulation method capable of inducing a transaction, and a server for executing the accumulation method.

One embodiment of the present invention is a point accumulation method by which a financial institution can settle interest accrued by exchanging an amount corresponding to a specific rate of the interest amount corresponding to the target amount to points and accumulating the points at points corresponding to other transaction details, And to provide a server that executes this.

One embodiment of the present invention is a method of earning a point not only promoting a bank product sold by a bank but also inducing participation of a user by accumulating compensation of mission success as a point according to whether or not a mission determined by the user is successful. Server.

The problems to be solved by the present invention are not limited to the above-mentioned problem (s), and another problem (s) not mentioned can be clearly understood by those skilled in the art from the following description.

The point accumulation server according to an embodiment of the present invention receives target fund information including a target achievement period and a target amount from a user associated with a user terminal and stores the amount deposited in the financial account held by the user within the target achievement period A point accumulation unit accumulating points corresponding to the target amount when the target amount is equal to or greater than the target amount, and a voucher list providing unit providing the voucher list to the user terminal.

In one embodiment, the point accumulating unit further accumulates additional points corresponding to the mission amount, when the amount deposited in the financial account exceeds the mission amount within the target achieving period, and the mission amount is added to the target amount It may be the amount multiplied by the set ratio.

In one embodiment, when the amount deposited in the financial account after the predetermined period elapses from the target achievement period is equal to or greater than the target amount, the point accumulating unit may further accumulate additional points corresponding to interest for the predetermined period have.

In one embodiment, the point accumulating unit further accumulates additional points corresponding to the interest of the mission period when the amount deposited in the financial account after the mission period elapses in the target achievement period is equal to or greater than the target amount, The mission period may correspond to a period obtained by multiplying the target achievement period by a predetermined ratio.

In one embodiment, the point accumulating unit may accumulate, as points, an amount corresponding to a specific ratio of the interest amount corresponding to the target amount.

In one embodiment, the financial account held by the user may include at least one of a savings account, a savings account, a subscription account, an insurance account, a withdrawal account and a fund account.

In one embodiment, the point accumulating unit may accumulate the compensation of the mission success as a point according to whether the mission determined by the user is successful or not.

In one embodiment, the point accumulating unit may accumulate the compensation of the mission success as a point when the number of users subscribing to a specific financial product is more than the number of users corresponding to the mission, while recommending the user.

In one embodiment, the point accumulation unit may allow the mission to be performed for a period determined according to the user's selection.

In one embodiment, the gift certificate list providing unit may provide the corresponding fact every time the point is switched to the selected user terminal.

In one embodiment, the target money information may be pre-set by the financial institution terminal.

Among the embodiments, the point accumulation method is executed in the point accumulation server connected to the user terminal. Wherein the point accumulation method comprises: receiving target fund information including a target achievement period and a target amount from a user associated with the user terminal; determining whether the amount deposited in the financial account held by the user during the target achievement period is equal to or greater than the target amount A point corresponding to the target amount can be earned, and a list of gift certificates available at the point can be provided to the user terminal.

In one embodiment, the step of receiving the target fund information may further include receiving target fund information including a target achievement period and a target amount from the financial institution terminal.

In one embodiment, the step of earning the points further comprises accumulating additional points corresponding to the amount of the mission, if the amount deposited in the financial account is greater than or equal to the amount of the mission within the target achievement period, The amount may correspond to the target amount multiplied by a predetermined ratio.

In one embodiment, the step of accumulating the points may include accumulating additional points corresponding to interest for the predetermined period when the amount deposited in the financial account exceeds a target amount after a predetermined period of time elapses from the target achievement period .

In one embodiment, the step of accumulating the points may include accumulating additional points corresponding to the interest of the mission period when the amount deposited in the financial account after the mission period elapses in the target achievement period is equal to or greater than the target amount And the mission period may correspond to a period in which the target achievement period is multiplied by a predetermined ratio.

In one embodiment, the step of accumulating the points may further include accumulating, as points, an amount corresponding to a specific ratio of the interest amount corresponding to the target amount.

In one embodiment, the step of accumulating the points may further include accumulating the compensation of the mission success as points according to the success of the mission determined by the user.

In one embodiment, the step of accumulating the points may include accumulating compensation for the mission success as a point when the number of users subscribing to a specific financial product is equal to or greater than the number of users according to the mission, .

In one embodiment, the step of earning the points may further comprise allowing the mission to be performed for a period of time determined according to the user's selection.

In one embodiment, providing the gift certificate list to the user terminal may further include providing the fact to the selected user terminal every time the point is switched.

The details of other embodiments are included in the detailed description and the accompanying drawings.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and / or features of the present invention, and how to accomplish them, will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. It should be understood, however, that the invention is not limited to the disclosed embodiments, but is capable of many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

According to an embodiment of the present invention, when the amount deposited in the financial account held by the user in the target period is equal to or more than the target amount, points corresponding to the target amount are accumulated, Of the banking transaction.

According to an embodiment of the present invention, the financial institution can settle the interest by exchanging the amount corresponding to the specific rate of the interest amount corresponding to the target amount to the points and accumulating the points to the points according to the other transaction details.

According to one embodiment of the present invention, the compensation of the mission success is accumulated as points according to the success of the mission determined by the user, thereby promoting the participation of the user as well as promoting the bank product sold at the bank.

1 is a network diagram illustrating a point accumulation system according to an embodiment of the present invention.
2 is a block diagram illustrating a point accumulation server according to an embodiment of the present invention.
3 is a block diagram illustrating a point accumulation server according to another embodiment of the present invention.
4 is a flowchart for explaining an embodiment of a point accumulation method according to the present invention.
5 is a flowchart for explaining another embodiment of the point accumulation method according to the present invention.
6 is a flowchart for explaining another embodiment of the point accumulation method according to the present invention.

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

1 is a network diagram illustrating a point accumulation system according to an embodiment of the present invention.

Referring to FIG. 1, a point accumulation system according to an embodiment of the present invention includes a point accumulation server 100 and a user terminal 200. Here, the point accumulation server 100 may be connected to the user terminal 200 via the Internet.

The point accumulation server 100 accumulates a point corresponding to the target amount when the amount deposited in the financial account held by the user associated with the user terminal 200 is equal to or greater than the target amount within the target achievement period, To the user terminal 200 to invite purchase of the gift certificate. The point accumulation server 100 may be a financial institution terminal such as the Woori Bank. This point accumulation server 100 will be described in more detail below with reference to FIGS.

The user terminal 200 maintains communication with the point accumulation server 100 and can provide the user with a point accumulation method. The user terminal 200 is a terminal having a central processing unit and a memory device such as a PC, a tablet PC, a smart phone, and the like.

In one embodiment, the user terminal 200 may load at least a portion of a bank engine for banking transactions. For example, at least a portion of certain operations required for banking transactions may be performed at the user terminal 200 for quick processing. In this embodiment, the user terminal 200 can provide the transaction result from the bank engine provided to the user terminal 200 to the point accumulation server 100.

2 is a block diagram illustrating a point accumulation server according to an embodiment of the present invention.

Referring to FIG. 2, the point accumulation server 100 further includes a transaction specification breakdown detector 110, a point accumulator 120, a voucher list provider 130, and a controller 140.

The transaction specification breakdown detecting unit 110 detects the transaction specification details traded at the bank by the user associated with the user terminal 200. In one embodiment, the transaction specification breakdown detector 110 may detect the transaction specification breakdown on the date specified by the user. For example, if the transaction specification history detection date is designated by the user as 25 days every month, the transaction specification breakdown detector 110 may detect the transaction specification breakdown on the 25th of every month. In another embodiment, the transaction specification breakdown detection unit 110 can detect the transaction specification breakdown on a specific time period basis. For example, the transaction specification breakdown detector 110 can detect the breakdown of the transaction specification every quarter.

The point accumulation unit 120 converts each of the at least one transaction details in the transaction specification to a point. Here, the transaction details may be at least one of the deposit details, the withdrawal details, the payment details, the deposit details, the subscription payment details, the insurance payment details, the utility payment details, and the automatic transfer details.

In one embodiment, the point accumulation unit 120 can exchange points at different points according to the transaction amount corresponding to at least one transaction history in the transaction specification. In one embodiment, the conversion point can be changed to a point corresponding to the transaction amount based on the predetermined conversion point information. The conversion point information for each predetermined transaction amount is information on points that can be exchanged to the user according to the transaction amount. Using this information, the point accumulation unit 120 can exchange points corresponding to the transaction amount. For example, if the transaction amount is less than one million won, 0.5% of the transaction amount is converted into the accumulation point, and if the transaction amount is between 1 million and 1,500,000 won, 1% of the transaction amount is converted into the accumulation point, If the transaction amount is 750,000 won, the point accumulation unit 120 can convert 3,500 won, which is 0.5% of 750,000 won, to the point.

In another embodiment, the point accumulation unit 120 may convert the interest accrued from a bank transaction to a point by a user associated with the user terminal 200. [ Here, the interest amount arising from a bank transaction may correspond to at least one of a interest amount arising from expiration of at least one of a deposit expiration date, a deposit expiration date, and an offer expiration date, and an interest amount for a balance in the deposit account.

In one embodiment, the point accumulation unit 120 may convert the interest amount to a point according to the amount of the interest amount generated according to the bank transaction. In one embodiment, the point accumulation unit 120 may convert the interest amount to a point only when the interest amount generated from the bank transaction is a specific amount or more. For example, the interest amount can be converted to a point only when the interest amount is more than 10,000 won. In one embodiment, the point accumulation unit 120 may exchange interest accrued in a bank transaction at a specific unit point. For example, if the interest amount is 26,320, the total amount can not be converted into points, and only 20,000 won can be converted into points.

In another embodiment, the point accumulating unit 120 may convert an amount corresponding to a specific rate of interest accrued in accordance with a bank transaction to a point. For example, the point accumulating unit 120 can exchange 15,000 won, which is 50% of the interest amount of 30,000 won, to a point. This ratio can be determined by the user.

In another embodiment, the point accumulation unit 120 may convert the compensation of the mission success to a point according to whether or not the predetermined mission is successful. In one embodiment, the point accumulating unit 120 may convert the compensation of the mission success to a point depending on the success of the mission determined according to the user's selection.

In one embodiment, the point accumulation unit 120 may determine an accumulation point corresponding to a mission determined according to the user's selection. In one embodiment, the point accumulation unit 120 may determine the accumulation point according to the difficulty of the mission. For example, in the case where the mission informs another user on the social network of the bank product, the point accumulation unit 120 may determine the accumulation point as 1000 points. As another example, when the mission is to notify 100 users on the social network of a bank product, the point accumulation unit 120 may determine the accumulation point to be 10000 points. In another embodiment, the point accumulation unit 120 can determine the accumulation point according to the execution period of the mission. For example, the point accumulating unit 120 can determine the accumulation point to be 1000 points if the execution period of the mission is one month.

The point accumulating unit 120 may accumulate a point corresponding to the target amount when the amount deposited in the financial account held by the user within the target achieving period becomes the target amount or more. Here, the financial account held by the user may include at least one of a savings account, a deposit account, a subscription account, an insurance account, a withdrawal account, and a fund account.

In one embodiment, the point accumulation unit 120 may accumulate additional points corresponding to the amount of the mission if the amount deposited in the financial account within the target achievement period is equal to or greater than the mission amount. Here, the mission amount may correspond to the target amount multiplied by a predetermined ratio.

In another embodiment, when the amount deposited in the financial account after the predetermined period elapses from the target achievement period is equal to or greater than the target amount, the point accumulating unit 120 may accumulate additional points corresponding to the interest for the predetermined period have.

In another embodiment, when the amount deposited in the financial account after the mission period elapses in the target achievement period is equal to or greater than the target amount, the point accumulating unit 120 can further accumulate additional points corresponding to interest in the mission term have. Here, the mission period may correspond to a period obtained by multiplying the target achievement period by a predetermined ratio.

In another embodiment, the point accumulating unit 120 may accumulate, as a point, an amount corresponding to a specific rate of the interest amount corresponding to the target amount.

In another embodiment, the point accumulating unit 120 may accumulate the compensation of the mission success as points according to the success of the mission determined by the user. In the embodiment, the point accumulating unit 120 can recommend the user and accumulate the compensation of the mission success as points when the number of the users who subscribe to the specific financial product is more than the number of users according to the mission. The point accumulating unit 120 may allow the mission to be performed during a period determined according to the user's selection.

The gift certificate list providing unit 130 provides the user terminal 100 with a gift certificate list that can be purchased at a point. In one embodiment, automatic point use can provide the fact each time a point is switched to a selected user terminal. Here, the voucher may include at least one voucher for a movie viewing voucher, a restaurant voucher, a department store voucher, an online shopping voucher, a game voucher, and a cultural voucher.

The control unit 140 controls the other components in the point accumulation server 100 to provide a point accumulation method.

3 is a block diagram illustrating a point accumulation server according to another embodiment of the present invention. 3, the same or corresponding contents as those described above with reference to FIG. 2 will be omitted, however, those skilled in the art will appreciate that other embodiments of FIG. You will understand.

The point accumulation server 100 disclosed in FIG. 3 may further include a transaction history storage unit 150.

The transaction history storage unit 150 stores the transaction history information when the bank transaction is terminated by the user associated with the user terminal 100. [

In one embodiment, transaction history storage 150 may store transaction history information for each user. For example, the transaction history storage unit 150 may store transaction details that the user A has traded at the bank. In this embodiment, the point accumulating unit 120 can exchange points based on information in the per-user transaction history stored in the transaction history storing unit 150. [

Hereinafter, the point accumulation method will be described with reference to FIGS. Since the credit status evaluation method to be described later is performed in the point accumulation server 100 described above, corresponding contents will not be described in duplicate, but a person skilled in the art will understand from the above description that one embodiment of the point accumulation method according to the present invention It will be possible.

4 is a flowchart for explaining an embodiment of a point accumulation method according to the present invention. The embodiment disclosed in FIG. 4 relates to an embodiment in which a point corresponding to a target amount can be accumulated when an amount deposited in a financial account held by a user within a target achievement period is equal to or more than a target amount.

Referring to FIG. 4, the point accumulation server 100 receives target fund information including a target achievement period and a target amount from a user associated with the user terminal 200 (step S410). The point accumulation server 100 determines whether the amount deposited in the financial account held by the user in the target achievement period is equal to or more than the target amount (step S420). When the point accumulation server 100 determines that the amount deposited in the financial account held by the user within the target achievement period has exceeded the target amount, the point accumulation server 100 accumulates a point corresponding to the target amount (step S430).

5 is a flowchart for explaining another embodiment of the point accumulation method according to the present invention. The embodiment disclosed in FIG. 5 relates to an embodiment in which a point corresponding to a target amount can be accumulated when the amount deposited in the financial account held by the user after the target achieving period is equal to or larger than the target amount.

Referring to FIG. 5, the point accumulation server 100 confirms the deposited amount in the financial account held by the user (step S510). The point accumulation server 100 determines whether the amount deposited in the financial account is equal to or more than the target amount (step S520). When the amount deposited in the financial account is equal to or greater than the target amount, the point accumulation server 100 determines whether the target amount of money has been saved within the target achieving period (step S530). The point accumulation server 100 accumulates additional points corresponding to the interest for the elapsed time period in the target achievement period (step S540).

6 is a flowchart for explaining another embodiment of the point accumulation method according to the present invention. The embodiment disclosed in FIG. 6 relates to an embodiment in which compensation of mission success can be accumulated as points according to whether or not a mission is successfully performed by a user.

Referring to FIG. 6, the point accumulation server 100 receives mission execution information including at least one of a mission and a mission execution period from a user (step S610). The point accumulating server 100 determines whether the mission by the user has succeeded (step S620). If the mission by the user is successful, the point accumulation server 100 determines whether the mission success time corresponds to the mission execution period (step S630). The point accumulation server 100 accumulates the compensation corresponding to the mission success as points (step S640).

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the scope of the appended claims and equivalents thereof.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, Modification is possible. Accordingly, the spirit of the present invention should be understood only in accordance with the following claims, and all equivalents or equivalent variations thereof are included in the scope of the present invention.

100: Point Acquisition Server
110: transaction specification breakdown detector
120: Point accumulation unit
130: List of gift certificates
140:
150: Transaction history storage unit
200: user terminal

Claims

1. A point accumulation server connected to a user terminal,
And a control unit for receiving target fund information including at least one of a target achievement period and a target amount from a user associated with the user terminal, and if the amount deposited in the financial account held by the user during the target achievement period is equal to or greater than the target amount, A point accumulating unit for accumulating points corresponding to amounts; And
And a voucher list providing unit for providing the user terminal with a voucher list that can be purchased at the points.

The apparatus of claim 1, wherein the point accumulating unit
Further accumulating additional points corresponding to the mission amount when the amount deposited in the financial account exceeds the mission amount within the target achievement period,
Wherein the mission amount corresponds to an amount obtained by multiplying the target amount by a predetermined ratio.

The apparatus of claim 1, wherein the point accumulating unit
And further accumulates additional points corresponding to interest for the predetermined period when the amount deposited in the financial account after the predetermined period elapses in the target achievement period is equal to or greater than the target amount.

4. The apparatus according to claim 3, wherein the point accumulating unit
Further accumulating additional points corresponding to the interest of the mission period when the amount deposited in the financial account after the mission period elapses in the target achievement period is equal to or greater than the target amount,
Wherein the mission time period corresponds to a period obtained by multiplying the target achievement period by a preset ratio.

The apparatus of claim 1, wherein the point accumulating unit
And accumulates, as a point, an amount corresponding to a specific rate of the interest amount corresponding to the target amount.

The method of claim 1, wherein the financial account held by the user
A deposit account, a deposit account, a subscription account, an insurance account, a deposit and withdrawal account, and a fund account.

The apparatus of claim 1, wherein the point accumulating unit
And accumulates the compensation of the mission success as a point according to whether the mission determined by the user is successful or not.

8. The apparatus according to claim 7, wherein the point accumulating unit
Wherein when the number of users who have subscribed to a specific financial product is greater than or equal to the number of users according to the mission while recommending the user, the server acquires the compensation of the mission success as a point.

8. The apparatus according to claim 7, wherein the point accumulating unit
And to allow the mission to be performed during a period determined according to the user's selection.

The method according to claim 1, wherein the gift certificate list providing unit
And the pointing server provides the fact every time the point is switched to the selected user terminal.

The system according to claim 1, wherein the target money information
And the terminal is pre-set by a financial institution terminal.

A point accumulation method executed on a point accumulation server connected to a user terminal,
Receiving target fund information including at least one of a target achievement period and a target amount from a user associated with the user terminal;
Accumulating a point corresponding to the target amount when the amount deposited in the financial account held by the user in the target achievement period becomes the target amount or more; And
And providing the user terminal with a list of gift vouchers that can be purchased at the points.

13. The method according to claim 12, wherein the step of receiving the target money information
Further comprising the step of receiving target fund information including a target achievement period and a target amount from a financial institution terminal.

13. The method of claim 12, wherein earning the points comprises:
Further comprising accumulating additional points corresponding to the mission amount when the amount deposited in the financial account exceeds the mission amount within the target achieving period,
Wherein the mission amount corresponds to an amount obtained by multiplying the target amount by a predetermined ratio.

13. The method of claim 12, wherein earning the points comprises:
Further comprising the step of accumulating additional points corresponding to the interest for the predetermined period when the amount deposited in the financial account after the predetermined period elapses from the target achievement period is equal to or greater than the target amount, Way.

16. The method of claim 15, wherein earning the points comprises:
Further comprising the step of accumulating additional points corresponding to interest in the mission term if the amount deposited in the financial account after the mission term has elapsed in the target achievement period is equal to or greater than the target amount,
Wherein the mission period corresponds to a period obtained by multiplying the target achievement period by a preset ratio.

13. The method of claim 12, wherein earning the points comprises:
Further comprising: accumulating, as a point, an amount corresponding to a specific rate of the interest amount corresponding to the target amount.

13. The method of claim 12, wherein the financial account
A deposit account, a deposit account, a subscription account, an insurance account, a deposit and withdrawal account, and a fund account.

13. The method of claim 12, wherein earning the points comprises:
Further comprising the step of accumulating the compensation of the mission success as a point according to the success or failure of the mission determined by the user.

20. The method of claim 19, wherein the step of earning points comprises:
If the number of users who subscribe to a specific financial product is greater than or equal to the number of users according to the mission, recommending the user and accumulating the compensation of the mission success as a point.

20. The method of claim 19, wherein the step of earning points comprises:
Further comprising the step of allowing the user to perform the mission during a period determined according to the user's selection.

13. The method of claim 12, wherein providing the gift certificate list to the user terminal comprises:
Further comprising the step of providing the corresponding fact every time the point is switched to the user terminal where the point automatic use is selected.