KR20160121957A - The integrated point service management system and method using card point - Google Patents
The integrated point service management system and method using card point Download PDFInfo
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- KR20160121957A KR20160121957A KR1020150051866A KR20150051866A KR20160121957A KR 20160121957 A KR20160121957 A KR 20160121957A KR 1020150051866 A KR1020150051866 A KR 1020150051866A KR 20150051866 A KR20150051866 A KR 20150051866A KR 20160121957 A KR20160121957 A KR 20160121957A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
- G06Q30/0227—Frequent usage incentive value reconciliation between diverse systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
- G06Q30/0227—Frequent usage incentive value reconciliation between diverse systems
- G06Q30/0228—On-line clearing houses
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0239—Online discounts or incentives
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- Accounting & Taxation (AREA)
- Development Economics (AREA)
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- Game Theory and Decision Science (AREA)
- Entrepreneurship & Innovation (AREA)
- Marketing (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention relates to a system for operating an integrated point service using a card point, comprising: a user terminal (110) for a user to use an integrated point service; A card issuer server 120 for generating a card point according to a card usage of a user; An integrated point service server 130 for paying a corresponding item on the basis of an integrated point when a user requests to purchase an item through the integrated point exchanged from the card point using the user terminal 110; When the user requests exchange of the card point to the integration point by using the user terminal 110, the card point information of the user is received from the card company server 120 and the user's card point is exchanged with the integration point in accordance with the exchange ratio, And provides the integrated point information to the user. In response to the item purchase request through the integration point to the integrated point service server 130 by the user using the user terminal 110, the integrated point service server 130 to the integrated point service server 130 in response to the user's request for the integrated point information, and also reflects the used integrated points of the user according to the progress of the payment, Between the card issuer server 120 and the integrated point service server 130 And an integration point management server 140 that performs settlement according to the settlement rate (exchange rate) of the card company and the integrated point service franchisee respectively.
Description
The present invention relates to a system and method for operating an integrated point service utilizing a card point, and more particularly, to a system and method for operating an integrated point service using a card point, in which a user can purchase various types of items such as goods and services And an integrated point service operating system and method using the card point.
Credit card companies use credit cards as a currency in cooperation with various companies for marketing purposes, in the form of numerical value of mileage generated by the use of credit cards. The credit card companies estimate the amount of usage based on past usage data among the credit card points and set the allowance. Points are paid for using the cost, but generally receive less than the list price. Also, if you want to purchase a product through points, you are selling at a higher price than when you buy it with cash.
Recently, the Financial Services Commission (FSC) has implemented a policy to lower the minimum unit amount of card points to 1 won. In addition, the aging of card points has been merged into 5 years, and there is a movement demanding various ways of promoting various points consumption accordingly. Card companies are also implementing policies to promote the use of points. A credit card company will eliminate the statute of limitations, and B card company is considering a policy to refund a cash point if it accumulates more than a certain point.
This situation related to card points is a new point of view for card companies and government authorities to eliminate the remaining card points and to use the points to provide more services and benefits to the customers than the competition card companies. It shows that they are looking for a place to use.
Mobile games, on the other hand, are available to all customers who own mobile phones, and can easily and easily play games anytime, anywhere. Recently, the performance of smart phones has been improving so fast that they can not be compared with existing feature phones, and digital contents taking good advantage of smart phones are continuously being released.
With the technological development of smartphone handsets, demand for mobile contents is continuously increasing on the basis of positive industrial environment changes such as various mobile Internet plans, Wi-Fi expansion, and government activation measures. We are securing a stable demand base while forming a uniform distribution of users without focusing on specific age groups. As a result, mobile game market is accelerating. In addition, mobile messenger platform is emerging as a new distribution channel for mobile games in addition to domestic and overseas open markets including domestic mobile carriers, Apple App Store and Google's Play Market. And is playing a positive role in expanding the market size.
1, even if a card point is generated from the
In a conventional game method in which a certain amount of cyber money is provided free of charge so that an operator can participate in a game to a new member of a game as a game related patent technology using a conventional point, a virtual cash exists only in the game, It is not possible to retrieve them by reward, cash, or service, so that the concentration of the game participant is lowered, and also, there is a lot of work to be enjoyed by the game, so that the satisfaction of each game participant is lowered The member having the rewards point is authenticated by the first supplier who has provided the reward point, the reward point is exchanged with the virtual cash corresponding to the reward point from the first operator, and then the game server is opened by the operator to enjoy the investment game freely And, depending on the performance of the investment game And a reward point provided by an airline, an airline, or an oil refiner company to provide an actual reward for the reward point (see Patent Document 1) ).
The present invention relates to a card game apparatus, a game apparatus, a game apparatus, a game apparatus, a game apparatus, and a game apparatus, The present invention provides a system and method for operating an integrated point service utilizing points.
According to an aspect of the present invention, there is provided an integrated point service operating system using a card point, the system comprising: a user terminal for using an integrated point service; A card issuer server for generating a card point according to use of a card of a user; An integrated point service server for paying a corresponding item on the basis of an integrated point when a user requests to purchase an item through an integrated point exchanged from a card point using a user terminal; When a user requests exchange of a card point to an integration point using a user terminal, the card point information of the user is received from the card issuer server to exchange the card point of the user with the integration point according to the exchange ratio, And provides the integrated point information to the user. When the user requests the integrated point service from the integrated point service server in response to the item purchase request through the integration point to the integrated point service server using the user terminal, And provides the integrated point information of the user to the card company server and the integrated point service server in accordance with the use of the integrated point of the user, The settlement rates (rates) of bis gamaengsa including integrated point management server to proceed with the settlement is characterized in that is made.
Here, the integration point management server provides an API (Application Program Interface) for integration point check and settlement processing to the integration
In addition, the settlement rate of the integrated point service fiduciary may be set to be relatively lower than the settlement rate of the card company.
According to another aspect of the present invention, there is provided a method of operating an integrated point service using a card point, the method comprising: a first step of generating a card point according to a card usage of a user; The integrated point management server receives the card point information of the user from the card issuer server when the user requests the exchange of the card point to the integration point using the user terminal, exchanges the card point of the user with the integration point according to the exchange ratio, A second step of managing the integrated point information and providing the integrated point information to the user; The integrated point service server receives the user's integration point information from the integration point management server when the user requests the item purchase through the integration point exchanged from the card point by using the user terminal and pays the corresponding item based on the integration point In addition, the integration point management server may include a third step of managing integrated point information by subtracting the used integration point from the user, The integration point management server includes a fourth step of performing settlement between the card company server and the integrated point service server according to the settlement rate (exchange rate) of the card company and the integrated point service franchisee, respectively, .
Here, in the third step, the integration point management server provides an API (Application Program Interface) for integration point check and settlement processing to the integrated point service server, and when an item is purchased by the user, In the case of progress, it is possible to subtract the user's used integration points.
Also, in the second step, the settlement rate of the integrated point service franchisee may be set to be relatively lower than the settlement rate of the card company.
According to the present invention, it is possible to exchange various kinds of items such as goods and services including a game by exchanging card points generated as a user uses a credit card with integration points, thereby expanding the market size of games and the like, It is possible to maximize the profit generation through the synergy between the point management company, the credit card company and the integrated point service franchisee.
1 is a conceptual diagram for explaining a conventional method;
2 is a conceptual diagram of an integrated point service operating system utilizing a card point according to the present invention.
3 is a flowchart illustrating an operation of an integrated point service using a card point according to the present invention.
4 is a flow diagram between an integrated point service server and an integrated point management server in accordance with the present invention;
5 is a flow diagram of point exchange between a user terminal and an integrated point management server in accordance with the present invention;
6 is a flow chart between a user terminal, a card company server, an integrated point service server, and an integration point management server according to the present invention.
Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying 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.
FIG. 2 is a conceptual diagram of an integrated point service operating system utilizing a card point according to the present invention. FIG. 3 is a flowchart illustrating an integrated point service operation using a card point according to the present invention. FIG. 5 is a flow chart of a point exchange between a user terminal and an integration point management server according to the present invention. FIG. 6 is a flowchart of a point exchange between a user terminal, a card company server, to be.
The integrated point service operating system and method using the card point according to the present invention can conveniently use various types of items such as goods and services including a game by utilizing card points generated as a user uses a credit card So that the game can be enjoyed conveniently.
2, the integrated point service operating system utilizing the card point according to the present invention includes a
For reference, these configurations are connected to each other through a communication network (not shown), and they can be configured regardless of the communication form such as wired and wireless. The communication network may be configured based on any type of communication technology that enables exchange of information between the
The
The personal computer may include a desktop computer, a notebook computer, a tablet computer, a workstation, and the like. The mobile terminal may be a Personal Communication System (PCS), a Global System for Mobile communications (GSM), a Personal Digital Cellular (PDC), a Personal Handyphone System (PHS), a Personal Digital Assistant (PDA), an International Mobile Telecommunication Based mobile terminal such as Code Division Multiple Access (W-CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wireless Broadband Internet (Wibro) .
The
The integrated
For reference, the "integrated point service franchisee " in the present invention means a company subscribed to provide goods or services including a game through an integrated point settlement. The "item" in the present invention means a substantial commodity of goods or services that can be purchased using an integration point.
The integration
The integration
The integration
At this time, the integration
Now, referring to FIG. 3, a method of operating an integrated point service using a card point according to the present invention will be described.
First, when the user uses the card, the
Then, when the user requests exchange of the card point to the integration point using the
Then, when the user requests purchase of an item through the integrated point exchanged from the card point by using the
At this time, the integration
Finally, the integration
At this time, the settlement rate (for example, 60%) of the aggregate point service fiduciary is set to be relatively lower than the settlement rate of the credit card company (for example, 70%). The integration point operator generates profits by covering operating expenses through the difference of these settlement rates.
In this way, by utilizing card points that occur as a user uses a credit card, he or she can induce the user to use goods or services including games to activate the market of games and the like, thereby creating synergy between integrated point operators, credit card companies, To maximize profit creation.
Referring to FIG. 4, the flow between the integrated
After the user confirms that the user has sufficient integration points when the user attempts to integrate the item payment, the integration
The integration
Referring to FIG. 5, a point exchange flow between the
The integration
The
Referring to FIG. 6, a flow between the
In the integrated
The integration
As described above, according to the present invention, it is possible to exchange various kinds of items such as goods and services including a game by exchanging card points generated by a user using a credit card with integration points, By expanding the scale, it is possible to maximize the profit generation through the synergy between the integration point operator, credit card company and the integrated point service franchisee.
Meanwhile, although the system and method for operating the integrated point service using the card point according to the present invention have been described with reference to the limited embodiments, the scope of the present invention is not limited to the specific embodiments, And various alternatives, modifications, and changes may be made within the scope of the present invention to those skilled in the art.
Therefore, the embodiments disclosed in the present invention and the accompanying drawings are intended to illustrate and not to limit the technical spirit of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments and the accompanying drawings . The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.
110: User terminal
120: Card issuer server
130: Integrated Point Service Server
140: Integrated Point Management Server
Claims (6)
A user terminal 110 for the user to use the integrated point service;
A card issuer server 120 for generating a card point according to a card usage of a user;
An integrated point service server 130 for paying a corresponding item on the basis of an integrated point when a user requests to purchase an item through the integrated point exchanged from the card point using the user terminal 110;
When the user requests exchange of the card point to the integration point by using the user terminal 110, the card point information of the user is received from the card company server 120 and the user's card point is exchanged with the integration point in accordance with the exchange ratio, And provides the integrated point information to the user. In response to the item purchase request through the integration point to the integrated point service server 130 by the user using the user terminal 110, the integrated point service server 130 to the integrated point service server 130 in response to the user's request for the integrated point information, and also reflects the used integrated points of the user according to the progress of the payment, Between the card issuer server 120 and the integrated point service server 130 And an integrated point management server (140) that performs settlement according to the settlement rate (exchange rate) of the card company and the integrated point service franchisee, respectively.
The integration point management server 140 provides an API (application program interface) for integration point check and payment processing to the integration point service server 130 and when an actual payment is made through an API And the integrated point used by the user is subtracted from the integrated point used by the user.
Wherein the settlement rate of the integrated point service franchisee is relatively lower than the settlement rate of the card company.
The card issuer server 120 includes a first step of generating a card point according to a card usage of a user;
The integration point management server 140 receives the user's card point information from the card issuer server 120 when the user requests the exchange of the card point to the integration point using the user terminal 110, A second step of exchanging the integrated point information in accordance with the received information and managing the exchanged integrated point information and providing the integrated point information to the user;
The integrated point service server 130 receives the integrated point information of the user from the integrated point management server 140 when the user requests the item purchase through the integrated point exchanged from the card point using the user terminal 110, A third step of managing the integrated point information by subtracting the used integrated points from the integrated point management server 140 and managing the integrated point information;
The integration point management server 140 performs settlement between the card issuer server 120 and the integrated point service server 130 according to the settlement rate of the card issuer and the integrated point service franchisor, And a fourth step in which the user accesses the mobile terminal.
In the third step, the integration point management server 140 provides an API (Application Program Interface) for integration point check and settlement processing to the integration point service server 130, And when the settlement is actually proceeded, the integrated points used by the user are subtracted from the integrated points used by the user.
Wherein the settlement rate of the integrated point service franchisee is set to be relatively lower than the settlement rate of the card company in the second step.
Priority Applications (1)
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KR1020150051866A KR20160121957A (en) | 2015-04-13 | 2015-04-13 | The integrated point service management system and method using card point |
Applications Claiming Priority (1)
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KR1020150051866A KR20160121957A (en) | 2015-04-13 | 2015-04-13 | The integrated point service management system and method using card point |
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Cited By (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2019074293A1 (en) * | 2017-10-12 | 2019-04-18 | 윤성원 | Platform apparatus in which virtual currency corresponding to sales reward points is mined |
KR20190041398A (en) * | 2017-10-12 | 2019-04-22 | 윤성원 | Platform device where block chain virtual coins are generated according to the calculation of sales |
KR20190116840A (en) * | 2018-04-05 | 2019-10-15 | 주식회사 케이티 | System and method for providing point management service |
KR20210152774A (en) * | 2020-06-09 | 2021-12-16 | 주식회사 스마트삼육 | Point integrated use support system |
US11354630B1 (en) | 2021-03-16 | 2022-06-07 | Coupang Corp. | Electronic apparatus for processing information for point conversion and method thereof |
Citations (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20010112513A (en) | 2000-06-05 | 2001-12-20 | 이창현 | a method of investment game using reward point |
-
2015
- 2015-04-13 KR KR1020150051866A patent/KR20160121957A/en not_active Application Discontinuation
Patent Citations (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20010112513A (en) | 2000-06-05 | 2001-12-20 | 이창현 | a method of investment game using reward point |
Cited By (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2019074293A1 (en) * | 2017-10-12 | 2019-04-18 | 윤성원 | Platform apparatus in which virtual currency corresponding to sales reward points is mined |
KR20190041398A (en) * | 2017-10-12 | 2019-04-22 | 윤성원 | Platform device where block chain virtual coins are generated according to the calculation of sales |
KR20190089146A (en) * | 2017-10-12 | 2019-07-30 | 윤성원 | Platform device where block chain virtual coins are generated according to the calculation of sales |
KR20190116840A (en) * | 2018-04-05 | 2019-10-15 | 주식회사 케이티 | System and method for providing point management service |
KR20210152774A (en) * | 2020-06-09 | 2021-12-16 | 주식회사 스마트삼육 | Point integrated use support system |
WO2021251683A1 (en) * | 2020-06-09 | 2021-12-16 | 주식회사 스마트삼육 | Integrated point-use support system |
US11354630B1 (en) | 2021-03-16 | 2022-06-07 | Coupang Corp. | Electronic apparatus for processing information for point conversion and method thereof |
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