KR20140132425A - Automatic incentive payment method for purchase of goods - Google Patents

Automatic incentive payment method for purchase of goods Download PDF

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Publication number
KR20140132425A
KR20140132425A KR1020130051251A KR20130051251A KR20140132425A KR 20140132425 A KR20140132425 A KR 20140132425A KR 1020130051251 A KR1020130051251 A KR 1020130051251A KR 20130051251 A KR20130051251 A KR 20130051251A KR 20140132425 A KR20140132425 A KR 20140132425A
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Prior art keywords
card
information
union
credit card
settlement
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KR1020130051251A
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Korean (ko)
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최익준
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최익준
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Priority to KR1020130051251A priority Critical patent/KR20140132425A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/06009—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking
    • G06K19/06018—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking one-dimensional coding
    • G06K19/06028—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking one-dimensional coding using bar codes
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G06Q10/105—Human resources
    • G06Q10/1057—Benefits or employee welfare, e.g. insurance, holiday or retirement packages
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0215—Including financial accounts
    • 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

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Human Resources & Organizations (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Game Theory and Decision Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Data Mining & Analysis (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

The present invention relates to an automatic credit card reserve fund collection and payment system. The objective of the present invention is to provide an automatic credit card reserve fund collection and payment system, which can assure a number of card loyal customers within a short period by enabling reserve fund to be used as labor union costs by transferring the reserve fund to a specific account of a labor union by accumulating a fixed ratio of reserve fund in case of card payment, and can assure stable labor union operational expenses, and can reduce construction costs of an additional security system resulted from that each personal identification device makes only a corresponding identification unit read various identification information independently under the state that various identification information is embedded in a single card as preventing identification units from being linked with each other, and can prevent personal financial information from being exposed easily. According to the present invention, the system can prevent the right of workers from being shrunk consequentially, resulted from that the function of the union labor is reduced and living right of whole-time workers are not assured because of introduction of a time-off system, by issuing a specific card to workers and enabling a fixed amount of payment money through the corresponding card to be used for operational expenses of the labor union. The system also enables the corresponding card to be used as an identification card or a pass independently without exposing card information, by loading a two-dimensional bar code or/and photograph information storing personal identification information separately from an IC chip.

Description

{AUTOMATIC INCENTIVE PAYMENT METHOD FOR PURCHASE OF GOODS}

The present invention relates to a system for automatically collecting card deposits, more specifically, accumulating reserves at a predetermined rate at the time of card settlement, automatically transferring them to a specific account of a trade union and using them as labor costs, And a system for automatically collecting card deposits that can secure a stable cost of union activities.

As is well known, due to the recent development of information communication technology, development of information providing technology for providing information on various fields via a long distance data communication network to a plurality of subscribers through at least one host server is actively underway.

Recently, information sorting technology and compression technology are being developed, which can more conveniently access the surrounding technology and subscribers' tastes and preferences, such as cache memory extension technology for providing accurate information more quickly to subscribers. And the development of various contents and solutions thereof is being spurred.

On the other hand, the era of the present era is the era when the credit society comes, and in order to eliminate the inconvenience and the danger of holding the cash directly, it is time to hold only a credit card and settle most of the products.

The credit card payment system is constructed from a credit card company to a value-added network by connecting with a van, so that when a credit card is paid to a merchant payment terminal from an affiliated store, the payment for the purchase price for the goods or services is processed immediately, To pay the card company.

As a result, a credit card company will generate a payment advance in advance and pay it to the merchant and request a commission fee for the merchant.

In conclusion, securing more loyal customers is a cornerstone for economies of scale in card industry. The means of securing loyal customers in card business are almost all the ways to provide customers with reserves or interest-free installment events.

The method of providing the reserve in proportion to the settlement price to the customer has a disadvantage that the individual does not feel the advantage of the individual because the reserve for the individual payment is very small.

On the other hand, all company groups are allowed to organize more than a certain number of unions based on labor law and trade union law. However, in reality, it is against the fact that unions are activated in institutional terms while acknowledging that trade unions are necessary in the capital market.

For example, one of the best ways to reduce the number of union members or to reduce the number of transferred workers is the union's predecessor's prohibition on paying wages. In other words, if the wages are not paid for all activities other than union, the number of union full-time union leaders who lead the union will decrease rapidly, and the union has to decline rapidly.

Therefore, in order to improve even the slightest of these problems, the actual labor union has provided members with union dues in the form of salaries to union full-time workers. As a result, there is a vicious cycle in which the economic burden is imposed on union members and the number of union members is gradually reduced.

In recent years, personal authentication has been strengthened, and personal authentication for various means ranging from door to payment has been required. In this case, the function of opening the door through the card identification information by linking the personal authentication system with the card payment system is performed The system is running to be able to. However, in this case, there was a problem that important personal financial information could be leaked to the outside.

SUMMARY OF THE INVENTION The present invention has been made in view of the circumstances of the prior art described above, and it is an object of the present invention to accumulate a predetermined percentage of reserves at the time of card settlement and automatically transfer to a specific account of a labor union, And the cost of stable union activities can be secured. Even when the various identification information is embedded in a single card, each individual identification device can read the corresponding identification means independently from the card, The object of the present invention is to provide a system for automatically collecting card deposits that can reduce the construction cost of the security system and prevent personal financial information from being easily exposed.

In order to accomplish the above object, according to a preferred embodiment of the present invention, an IC chip (22) for storing card information for processing goods or service settlement in the state of being held by an employee of a specific company, identification A credit card 2 to which a two-dimensional bar code 24 is attached by means of a credit card 2; a merchant payment terminal 4 for generating a payment signal for goods or service charges through the credit card 2 and outputting a receipt by the approval signal; )Wow; A subscriber server 6 for relaying settlement information between the merchant payment terminal 4 and the card issuer server 8; A card issuer server (8) for receiving and processing the settlement request signal transmitted from the subscriber server (6) and transmitting the settlement approval signal; In accordance with the settlement request signal added to the card issuer server 8, it is determined whether or not it is a current committed employee, and all or part of the points paid in proportion to the settlement amount are transferred to the specified account, And a point processing server (10) for further processing the additional points differentiated according to the amount of money to be transferred.

Preferably, the specific designated account is an account designated by a trade union.

Preferably, the point processing server 10 is provided with a system for automatically collecting card deposits, wherein the point processing server 10 establishes rules for use of points generated at the time of issuance of a card by an employee, and automatic point processing is set according to the information .

Preferably, the card reader 12 reads only the two-dimensional bar code 24 added to the credit card 2 and transmits it to the interlocking device 14; (14) for receiving information of the two-dimensional bar code (24) added to the specific credit card (2) from the card reader (12) and performing door door control, position detection or exit detection A card collecting payment system is provided.

Preferably, the credit card 2 is further provided with a photograph 28 of the holder on its front side.

Preferably, the credit card 2 is a card that can be replaced with a debit card, a check card, a prepaid card, or a cash card, and is a card issued to an individual or an enterprise.

Preferably, the point paid in proportion to the amount of the settlement amount is 0.5%.

Preferably, the two-dimensional bar code 24 is attached to or printed on a cashier's check or passbook so that it can include unique identification information.

The system for automatically collecting card deposits according to the present invention allows a specific card to be issued to employees and a certain amount of the payment amount through the card can be used as the nominal amount of the trade union activity fee, Is reduced and the living rights of the former worker are not guaranteed and consequently the rights of the workers are prevented from being shrunk, and a two-dimensional bar code and / or photo information storing the personal identification information separately from the IC chip is mounted on the card It is advantageous that it can be utilized effectively as an identification card or an ID card independently without leakage of card information, and it is possible to reduce the number of belongings.

1 is a schematic diagram showing a schematic configuration of a system for collecting card deposits automatically according to an embodiment of the present invention;
FIG. 2 is a flowchart showing a data flow and a processing state of a card collection system for collecting card deposits according to an embodiment of the present invention;
3 is a view showing a point processing table constructed through a system for collecting card deposits automatically according to an embodiment of the present invention;
4A and 4B illustrate a configuration of a credit card included in a system for collecting card deposits automatically according to an embodiment of the present invention;
FIG. 5 is a view showing a reading state of identification information of a credit card included in the automatic collection system of card deposits according to an embodiment of the present invention. FIG.

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

FIG. 1 is a schematic diagram showing a schematic configuration of a system for automatically collecting card deposits according to an embodiment of the present invention. FIG. 2 is a diagram showing a data flow and a processing state of a system for collecting card deposits automatically according to an embodiment of the present invention. FIG. 3 is a view showing a point processing table constructed by a system for automatically collecting card deposits according to an embodiment of the present invention. FIGS. 4A and 4B are diagrams for explaining a method of automatically collecting card deposits according to an embodiment of the present invention FIG. 5 is a diagram showing a configuration of a credit card included in a payment system. FIG. FIG. 5 is a view showing a reading state of identification information of a credit card included in the automatic collection system of card deposits according to an embodiment of the present invention. FIG.

According to an embodiment of the present invention, the system for automatically collecting card deposits accumulates a predetermined amount of reserves at the time of card settlement to be automatically transferred to a specific account of a trade union and used as a labor cost for union, It is possible to secure a customer, secure stable labor cost for labor union, and make it possible for each individual identification device to independently read out only the corresponding identification means from the card and to interoperate with each other even when various identification information is embedded in a single card Is a system that can reduce the cost of constructing additional security systems and prevent personal financial information from being easily exposed.

More specifically, the system for automatically collecting card deposits according to an exemplary embodiment of the present invention includes an IC chip 22 for storing card information for processing goods or services in a state of being carried by an employee of a specific company, A credit card 2 to which a two-dimensional bar code 24 is attached as an identification means for a credit card 2; a credit card 2 for generating a settlement signal for goods or services through the credit card 2 and outputting receipts based on the approval signal; A terminal 4; A subscriber server 6 for relaying settlement information between the merchant payment terminal 4 and the card issuer server 8; And a card issuer server 8 for receiving and processing the settlement request signal transmitted from the subscriber server 6 and transmitting the settlement approval signal.

In addition, the system for automatically collecting card deposits according to an embodiment of the present invention determines whether or not an employee is a committed employee in accordance with a settlement request signal added to the card issuer server 8, And a point processing server 10 that processes all or some of the additional points differentiated according to the cumulative settlement amount for each specific period.

At this time, since the designated account is an account designated by the labor union, the function of the labor union is reduced due to the introduction of the time-off system, and the living rights of the former workers are not guaranteed. As a result, And a certain amount of payment through the card can be used as the nominal amount of the trade union activity. The designated account that allows the points to be automatically transferred is an account designated by the union .

Meanwhile, the point processing server 10 included in the automatic card collection system according to an embodiment of the present invention contracts the use of points generated at the time of payment at the time of card issuance of an employee, So that the process is set.

Preferably, the credit card 2 has an IC chip 22 for storing card information for processing goods or service settlement, a two-dimensional barcode 24 as identification means for personal authentication, And the card number 26. The two-dimensional bar code 24 can be used to independently perform individual identification without being interlocked with the card information or the card number 26 stored in the IC chip 22 It is a means.

At this time, it is known that the two-dimensional bar code 24 is a known bar code.

Therefore, since the credit card 2 of the present invention can read only information necessary for personal identification without spilling out personal information, it can be effectively utilized as an identification card or pass, and the number of personal items can be reduced.

To this end, a card reader 12 for reading only the two-dimensional bar code 24 added to the credit card 2 and transferring it to the interlocking device 14 is included. The card reader 12 includes a two-dimensional bar code reader .

In addition, in the system for automatically collecting card deposits according to an embodiment of the present invention, information on the two-dimensional bar code 24 added to a specific credit card 2 is received from the card reader 12, And an interlock device 14 for performing exit detection.

That is, the interlocking device 14 interlocks with the card reader 12 to open a door on the basis of the individual identification information or to detect the position of a specific person, perform additional information sorting or information processing, or process attendance information Device.

In this case, the credit card 2 is a card that can be replaced with a debit card, a check card, a prepaid card, or a cash card, and is a card issued to an individual or an enterprise. Credit cards, and so on.

Preferably, the credit card 2 further includes a photograph 28 of the holder on the front side thereof, and may be used as a pass or an ID card.

The point at which the point processing server 10 included in the automatic card collection system according to the embodiment of the present invention is paid in proportion to the settlement amount is at least 0.5% Do.

At this time, the two-dimensional bar code 24 may be attached or printed on a cashier's check, a passbook, or the like to very effectively contain unique identification information. In particular, since the two-dimensional bar code 24 has a function of restoring original identification information even if some of the two-dimensional bar codes 24 are damaged, the efficiency of operation can be greatly increased when the two-dimensional bar code 24 is attached to a cashier's check or bankbook.

3, the point processing server 10 can provide an additional point as an option if the cumulative payment amount of the employees is equal to or greater than a preset fee. To this end, the point processing server 10, The processing table 30 is constructed and managed.

Based on the payment information provided from the card issuer server 8, the point processing table 30 stores the payment generation amount 32 and generation point information 34 for the relevant company, (36), monitors the cumulative payment generation amount total amount information (38) of the corresponding company at the time of occurrence of payment for each card, and monitors whether the total cumulative payment generation amount for the corresponding company is equal to or larger than a preset amount .

If the cumulative settlement amount of the company concerned is equal to or greater than the predetermined amount (point A in the table), the cumulative point generation information 40 is processed for accumulation of additional points for the settlement after that point Describe in the table.

The function and operation of the automatic card collection system according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

First of all, according to the embodiment of the present invention, the credit card payment system can recruit a large-scale loyal customer in a short period of time, while the labor union does not receive the dues for the union members, It is a system that allows the accumulation of cash back points to a specific account designated by the labor union so that union expenses including the living expenses of the full-time union officials can be legally and reliably paid while operating arbitrary funds.

That is, the system for automatically collecting card deposits according to an embodiment of the present invention concludes a special agreement for a point payment contract, that is, a point transaction, between a trade union belonging to a specific company and a credit card company.

The special rider for point processing is a special agreement that allows union members of the company to transfer a certain percentage of the credit card usage fee to an account designated by the union.

Therefore, the trade union member or employee of the company that agrees with the rider must get the credit card. At this time, the subject of the card issuance is not only the same as the employee but also the corporation, so that the corporation card can be issued with special agreement.

In this case, it is not a situation where the employee's stock is lost because the employee pays the points generated by the use of the card issued by the employee as the labor cost of the union.

When a card is issued after the executives conclude the special coupon, the card company requests the settlement of the card payment, and if the settlement payment is made later, the card company withdraws the card money, Transfer to account.

The technique of converting points into cash and paying them is generally known technology.

At this time, it is possible to conclude a special coupon so that an additional point can be further paid when the amount of money used by the employee who has issued the card is more than a predetermined amount while the special coupon is concluded. The point processing server 10, The cumulative amount is monitored and processed so that additional point payments can be made.

Meanwhile, in the system for automatically collecting the card deposit according to the embodiment of the present invention, the card company can issue the credit card 2 storing the individual identification information in the two-dimensional bar code 24, in which case the IC chip 22 A relatively inexpensive 2-dimensional bar code reader (referred to as a card reader 12 in the present invention) can be installed so as to perform access management and attendance management through personal authentication without installing a separate reader in the enterprise have.

In particular, since the card reader 12 that reads the two-dimensional bar code 24 does not read information about the IC chip 22, only the individual identification information is transmitted through the interlocking device 14 It can be used effectively.

In addition, the credit card 2 further includes a photograph 28 of the holder on the front side thereof, so that it can be used as a pass or an ID card.

Meanwhile, the system for automatically collecting the card deposit according to the embodiment of the present invention is not limited to the above-described embodiment, and various modifications are possible within the scope of the present invention.

2: credit card, 4: merchant payment terminal,
6: a bank server, 8: a card company server,
10: point processing server, 12: card reader,
14: Interlocking device.

Claims (8)

An IC chip 22 for storing card information for processing a product or service settlement in the presence of an employee of a specific company, a credit card 2 having a two-dimensional bar code 24 as identification means for personal authentication, Wow:
A merchant payment terminal (4) which generates a payment signal for a commodity or a service price through the credit card (2) and outputs a receipt by the approval signal;
A subscriber server 6 for relaying settlement information between the merchant payment terminal 4 and the card issuer server 8;
A card issuer server (8) for receiving and processing the settlement request signal transmitted from the subscriber server (6) and transmitting the settlement approval signal;
In accordance with the settlement request signal added to the card issuer server 8, it is determined whether or not it is a current committed employee, and all or part of the points paid in proportion to the settlement amount are transferred to the specified account, And a point processing server (10) for further processing the additional points differentiated according to the amount of money. The method according to claim 1,
Wherein the specific designated account is an account designated by the trade union. The method according to claim 1,
Wherein the point processing server (10) establishes rules for use of points generated at the time of paying a card at the time of issuance of an employee's card, and automatic point processing is set according to the information. The method according to claim 1,
A card reader (12) which reads only the two-dimensional bar code (24) added to the credit card (2) and transmits it to the interlocking device (14);
(14) for receiving information of the two-dimensional bar code (24) added to the specific credit card (2) from the card reader (12) and performing door door control, position detection or exit detection Automated collection system for card deposits. The method according to claim 1,
Wherein the credit card (2) can further include a photo (28) of the holder on the whole of the credit card (2). The method according to claim 1,
Wherein the credit card (2) is a card that can be replaced with a debit card, a check card, a prepaid card, or a cash card, and is a card issued to an individual or an enterprise. The method according to claim 1,
And a point paid in proportion to the settlement amount is 0.5%. 5. The method of claim 4,
Wherein the two-dimensional bar code (24) is attached to or printed on a cashier's check or bankbook, and can include unique identification information.
KR1020130051251A 2013-05-07 2013-05-07 Automatic incentive payment method for purchase of goods KR20140132425A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20210006761A (en) * 2019-07-09 2021-01-19 신한카드 주식회사 Apparatus and method for providing additional points

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20210006761A (en) * 2019-07-09 2021-01-19 신한카드 주식회사 Apparatus and method for providing additional points

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