KR20170028567A - Method for depositing and using points according to credit card usage - Google Patents

Method for depositing and using points according to credit card usage Download PDF

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KR20170028567A
KR20170028567A KR1020150125343A KR20150125343A KR20170028567A KR 20170028567 A KR20170028567 A KR 20170028567A KR 1020150125343 A KR1020150125343 A KR 1020150125343A KR 20150125343 A KR20150125343 A KR 20150125343A KR 20170028567 A KR20170028567 A KR 20170028567A
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point management
transaction approval
credit card
point
information
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KR1020150125343A
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KR102046327B1 (en
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조병찬
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주식회사 더페이
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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
    • G06Q30/0208—Trade or exchange of goods or services in exchange for incentives or rewards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0238—Discounts or incentives, e.g. coupons or rebates at point-of-sale [POS]
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials

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Abstract

In order to earn or use points when using a credit card, points can be easily accumulated or used without having to present a point accumulation card to a cashier. In an embodiment of the present invention, the user accumulates points by inputting a transaction approval number printed on the credit card payment receipt to the point management app installed in the smart phone. In another embodiment of the present invention, transaction approval information is transmitted from the credit card payment server to the smartphone of the user, and the point management application accumulates points by transmitting the transaction approval information to the point management server. In another embodiment of the present invention, a user may request point accumulation in a point management app. According to the present invention, since the user accumulates or uses the points individually by using the smartphone after the credit card settlement, the time spent in the sales desk for accumulating and using the merchant points can be drastically reduced.

Description

[0001] 1. Field of the Invention [0002] The present invention relates to a credit card,

The present invention relates to a point accumulation and use method in accordance with the use of a credit card, and more particularly, to a point accumulation and use method in which a point accumulation card is presented to a cashier in order to accumulate or use a point The present invention relates to a point accumulation method and a use method according to the use of a credit card.

When a user requests payment by credit card from an online or offline merchant, the payment information is transmitted to the credit card company and the result of approval is provided. The credit card company will provide the remaining amount of the credit card payment approved by the merchant at the settlement date, excluding credit card fees. The user is requested to pay the credit card payment amount, the credit card payment amount is paid, and a predetermined point is provided to the user.

On the other hand, the points provided by the credit card companies are accumulated only when the credit card is used, and when the third-party credit card is used, the points of the credit card company are accumulated. In order to solve this problem, in Patent No. 0853907, a user discounts a payment amount at the merchant's credit card payment at a merchant's point of sale, re-purchases the merchant at the original price, and receives approval from the credit card company, The credit card points of the user are accumulated and managed in a unified manner, thereby reducing the inconvenience of using the credit card.

However, credit card companies provide points to credit card users, but in practice, some of the fees paid by merchants are used to earn points. Despite the actual burden of the point reserve at the merchant, the points earned by the credit card company are accumulated irrespective of which credit card is used at which merchant, so there is no effect of attracting the user to the merchant. Therefore, in order to attract a user to his / her own store, an affiliate shop often accumulates points (for example, points accumulated in a specific coffee shop franchise) of the merchant itself. Hereinafter, the points that the merchant independently accumulates are referred to as "merchant points".

However, in order to earn points for merchants, a credit card company provides a separate membership card to the salesperson at the time of credit card payment or at the time of cash payment, And the salesperson has to perform the operation of reading the membership card or inputting the telephone number to earn points, so that both the customer and the salesperson are inconvenient and take a long time to settle. Especially when there are a lot of customers to calculate, it takes a lot of time to accumulate points for merchants to wait in line. In the case of the store, the payment time required for each customer increases, which leads to dissatisfaction and cost increase.

In addition, even when the merchant wants to use the merchant's point, the salesperson indicates the intention to use the merchant's point and the salesperson has to manipulate the merchant's point by using the membership card, so the inconvenience and time consuming .

It is an object of the present invention to provide a point accumulation and usage method according to the use of a credit card which can save time in a sales department for accumulating and using an agent point.

The point accumulation method according to the first embodiment of the present invention includes a first step of receiving a transaction approval number from a user in a point management application installed in a smartphone of a user, A third step in which the point management server transmits the transaction approval number to the credit card payment server; a third step in which the point management server receives transaction approval information according to the transaction approval number from the credit card payment server A fourth step and a fifth step in which the point management server accumulates points according to the transaction approval information.

A point charging method according to a second embodiment of the present invention includes a first step of transmitting transaction approval information to a smart phone registered in a credit card payment server provided with a transaction approved credit card transaction, A second step of transmitting the transaction approval information from the smart phone to the point management server, a third step of confirming validity of the transaction approval information received from the smartphone by the point management server to the credit card payment server, And if the information is valid, the point management server accumulates points for the credit card user according to the transaction approval information.

The point accumulation method according to the third embodiment of the present invention includes a first step of transmitting a point accumulation request while transmitting a credit card number to a credit card payment server in a point management app installed in a smartphone of a user after a credit card payment, A second step in which the point management server receives transaction approval information corresponding to the credit card number from a credit card payment server, and a third step in which the point management server accumulates points according to the transaction approval information.

The point use method of the present invention includes a first step of receiving a transaction approval number of a sales slip to be discounted from a user and a point amount to be used in a point management app installed in a smartphone of a user, A second step of transmitting information on the transaction approval number and the point amount to the management server, a third step of the point management server requesting the credit card payment server to cancel the sales corresponding to the transaction approval number, A fourth step of the server transmitting to the credit card payment server a new sales slip corresponding to an amount obtained by subtracting the point amount from the payment amount of the sales slip; Step.

According to the present invention, since the accumulation or use of points is not performed at the time of credit card settlement, but after the credit card settlement, the users are individually performed using the smartphone, so that the time spent at the counter for accumulating and using the merchant points Can be greatly reduced.

BRIEF DESCRIPTION OF THE DRAWINGS Figure 1 is a block diagram showing an overall view of a system for carrying out the method of the present invention.
2 is a flowchart showing a point accumulation procedure according to the first embodiment of the present invention.
3 is a flowchart showing a point accumulation procedure according to a second embodiment of the present invention.
4 is a flowchart showing a point accumulation procedure according to the third embodiment of the present invention.
5 is a flow chart showing the point use procedure of the present invention.
6 is an example of a smartphone screen at the time of point accumulation according to the first embodiment.
7 is an example of a smartphone screen at the time of using a point.

BRIEF DESCRIPTION OF THE DRAWINGS Figure 1 is a block diagram showing an overall view of a system for carrying out the method of the present invention. When a user makes a payment using a credit card, the credit card payment terminal 300 transmits credit card information, merchant information, payment amount information, etc. to the credit card payment server 200 through a communication network such as a Value Added Network (VAN) . Then, the credit card payment server 200 confirms the validity, remaining usage, etc. of the credit card, sends a transaction approval, or rejects the transaction. In the present invention, a user can accumulate points and / or use points by using a point management app, which is a dedicated app installed in the smart phone 400. [ The accumulation and / or use of points using the smart phone 400 is performed through the point management server 100. [ Hereinafter, various points accumulation and use methods will be described with reference to the drawings.

1. How to earn points

≪ Embodiment 1 >

In this embodiment, points are accumulated using the transaction approval number printed on the credit card payment receipt. When payment is made using a credit card, a transaction approval request is sent from the credit card payment terminal 300 of the merchant to the credit card payment server 200, and the credit card payment server transmits the transaction approval number while approving the transaction. Such a transaction approval number is printed on the credit card payment receipt. In this embodiment, points are accumulated using a transaction approval number printed on the receipt. This procedure will be described with reference to FIG. 2 and FIG. In the following drawings, a transaction approval request and a transaction approval procedure between a credit card payment terminal and a credit card payment server of a merchant are omitted.

When payment is made at the store using a credit card (step S21), the user receives the credit card payment receipt printed with the transaction approval number. When payment is completed at the store, the user executes the point management application installed in his / her smartphone 400. The point management application includes a menu ('point accumulation' in FIG. 6 (a)) for entering a transaction approval number for accumulating points. The user selects it and inputs a transaction approval number (step S22).

As a method of inputting the transaction approval number, there is a method in which the user can directly input the number on the receipt to the smartphone 400. However, when the credit card sales slip is photographed using the point management application, It is also possible to configure to extract the transaction approval number from the image of the slip.

The point management application having received the transaction approval number transmits the transaction approval number to the point management server 100 (step S23). When the point management app sends the transaction authorization number, it can also transmit the unique ID of the point management application and / or the user information that the user registered in advance. The point management server having received the transaction approval number transmits the transaction approval number to the credit card payment server 200 (step S24).

The credit card payment server 200 reads the transaction approval information associated with the received transaction approval number from the database and transmits it to the point management server 100 (step S25). The point management server 100 that has received the transaction approval information based on the transaction approval number from the credit card payment server accumulates points according to the received transaction approval information (step S26). The point management server 100 stores information of the card user in connection with the point management application that has transmitted the transaction approval number. The point management server 100 accumulates points for the card user associated with the point management application that transmitted the transaction approval number. The transaction approval information includes the merchant information and the total payment amount, and the point management server 100 accumulates points in proportion to the payment amount in accordance with the point accumulation rule determined for each merchant.

According to the embodiment, the transaction approval information includes credit card information, merchant information, and the total payment amount. In step S25, the point management server 100 receives the credit card information corresponding to the credit card information received from the credit card payment server 200 It is possible to configure the card user to accumulate points determined by the merchant and the payment amount.

On the other hand, according to the embodiment, after the point management server 100 transmits the transaction approval information to the point management application after step S25, and after the point management app displays the transaction approval information on the screen and receives confirmation from the user, As shown in FIG. Also, if the user clicks the 'check payment history' button on the screen of FIG. 6 (b), the transaction approval information may be displayed as shown in FIG. 6 (c).

In addition, according to the embodiment, the point management server 100 may store the transaction approval number to which the points are accumulated after step S26. In this case, the point management server 100 checks whether the transaction approval number identical to the transaction approval number received from the point management application is stored before performing step S24, and only when the same transaction approval number is not stored It may be configured to transmit the transaction approval number to the credit card payment server 200. With this configuration, duplicate point accumulation can be prevented from being received with one transaction approval number.

≪ Embodiment 2 >

Next, a point accumulation method according to a second embodiment of the present invention will be described with reference to FIG. In this embodiment, instead of directly inputting the transaction approval number, the user transmits the transaction approval information to the smartphone of the user in the credit card payment server, and transmits the transaction approval information to the point management server to accumulate points.

First, when payment using a credit card is made (step S31), the credit card payment server 200 that has approved the credit card transaction transmits the transaction approval information to the smartphone 400 registered with the transaction-approved credit card user (Step S32). Deal approval information may include merchant information and total payment amount. In addition, when the transaction approval information is transmitted, information that can call the point management application installed in the smartphone may be included and transmitted. The transaction approval information may be transmitted in the form of a text message or an e-mail including information capable of calling the point management application.

The user invokes the point management application using the information capable of calling the point management application included in the received message (step S33). When the point management app is invoked, the point management app also receives transaction approval information. Then, the point management application transmits transaction approval information to the point management server 100 (step S34). When the point management app sends the transaction approval information, it can transmit the unique ID of the point management application and / or the user information that the user has previously registered.

The point management server 100 having received the transaction approval information requests the credit card payment server 200 to validate the transaction approval information received from the smartphone 100 (step S35). Then, the credit card payment server 200 confirms whether the received transaction approval information is valid and notifies the point management server 100 whether the received transaction approval information is valid (step S36).

When the transaction approval information is valid, the point management server 100 accumulates points for the credit card user according to the transaction approval information (step S37). The point management server 100 stores the information of the card user in connection with the point management application that has transmitted the transaction approval information. The point management server 100 accumulates points for the card user associated with the point management application that transmitted the transaction approval information. The transaction approval information includes the merchant information and the total payment amount, and the point management server 100 accumulates points in proportion to the payment amount in accordance with the point accumulation rule determined for each merchant.

On the other hand, according to the embodiment, the transaction approval information may include credit card information, merchant information, and total payment amount. In step S37, the point management server 100 can accumulate points determined by the merchant and the payment amount for the card user corresponding to the credit card information included in the transaction approval information. Alternatively, when the credit card payment server 200 transmits the validity to the point management server 100 in step S36, the credit card information may be sent together with the credit card information.

On the other hand, according to the embodiment, after the point management server 100 transmits the transaction approval information to the point management application after step S36 and the point management app displays the transaction approval information on the screen and receives confirmation from the user, As shown in Fig.

≪ Third Embodiment >

Next, a point accumulation method according to a third embodiment of the present invention will be described with reference to FIG. In this embodiment, when the user selects the point accumulation function in the point management application installed in the smartphone of the user, the point management app requests the point accumulation while transferring the credit card number stored in advance to the credit card payment server, When the card payment server is a valid number, the transaction approval information is transmitted to the point management server, and the point management server accumulates points according to the received transaction approval information.

First, when a credit card payment is made (step S41), the user selects a point accumulation function by driving a point management app installed in the smartphone 400 of the user. The point management app has information about one or more credit cards that you use. When the user is using a plurality of credit cards, the credit card used in selecting the point accumulation function is also selected. Then, the point management application requests point accumulation while transmitting information on the selected credit card, for example, a credit card number to the credit card payment server 200 (step S42). Point management apps can send a unique ID for a point management app so that they can identify a point management app that sends information while transmitting information about a credit card.

Then, the credit card payment server 200 confirms whether the payment has been made within a predetermined period in relation to the credit card number, and if there is a payment, the credit card payment server 200 transmits the transaction approval information to the point management server 100 (step S43 ). According to the embodiment, the credit card number is previously registered in the credit card payment server 200 for each point management application, and the step S43 is performed only when the credit card number and the unique ID of the point management application coincide with the registered information Can be configured.

When the point management server 100 receives the transaction approval information corresponding to the credit card number from the credit card payment server 200, the point management server 100 accumulates points according to the transaction approval information received by the user associated with the credit card number S44). The transaction approval information includes the merchant information and the total payment amount, and the point management server accumulates points determined by the merchant and the payment amount. The point management server 100 that has accumulated the points stores the point accumulation details including the accumulation date and time, accumulated points, merchant points, used credit cards, and the like.

According to the embodiment, after the point management server 100 transmits the transaction approval information to the point management application after step S43, and after the point management application displays the transaction approval information on the screen and receives confirmation from the user, the step S44 . ≪ / RTI >

According to an embodiment, information on the point management application that requested point accumulation in the transaction approval information may be included. In step S44, the point management server 100 accumulates points for the credit card user associated with the point management application.

Depending on the embodiment, the transaction approval information may include credit card information, merchant information, and total payment amount. In step S44, the point management server accumulates points determined by the merchant and the payment amount for the card user corresponding to the credit card information included in the transaction approval information.

2. How to use points

In the present invention, the point is not requested to the salesperson at the store, but the user can directly perform the point management using the point management app installed in his smartphone. This will be described with reference to Figs. 5 and 7. Fig.

If the user intends to use the accumulated points, after making settlement using the credit card (step S51), the point management application installed in the user's smartphone 400 is executed, and the 'use point' menu is selected (Fig. 7 (a)). Then, in step S52, a transaction authorization number of the sales slip to be discounted and a point amount to be used are input on the screen as shown in FIGS. 7 (b) and 7 (c). Then, the point management application transmits the information on the transaction approval number and the point amount input to the point management server 100, and makes a point use request (step S53).

When the point management server 100 receives the point use request, the point management server 100 requests the credit card payment server 200 to cancel the sales corresponding to the transaction approval number (step S54 ). Then, the credit card payment server 200 cancels the corresponding credit card transaction (step S55). On the other hand, the credit card payment server 200 may refuse to cancel the credit card transaction if the sales cancellation request is made after a predetermined time (cancellation deadline of the sales slip) from the transaction date and time. In this case, the point management server 100 omits the following procedure, notifies the point management application that point accumulation has failed, and the point management application displays the fact on the screen.

If the sales cancellation is normally performed, the point management server 200 transmits a new sales slip to the credit card payment server 200 for the amount of the sales slip minus the point amount (step S56). Then, the credit card payment server 200 generates the same credit card transaction as the canceled credit card transaction, except that the payment amount is deducted by the point amount (step S57).

The point management server 100 subtracts points corresponding to the points used from the accumulated points of the user (step S58).

On the other hand, according to the embodiment, in step S53, the point management server 100, which has received the transaction approval number and the information on the point amount to be used, checks whether the cancellation period of the sales slip corresponding to the transaction approval number is exceeded, The minus sales slip corresponding to the point amount may be transmitted to the credit card payment server 200 instead of executing steps S54 and S56.

Instead of inputting the point amount to be used in step S52, the option of using the point total amount can be selected. When this option is selected, the point management application notifies the point management server 100 that the option of using the point full amount instead of the information about the point amount is selected, and the point management server 200, in step S56, A new sales slip corresponding to an amount obtained by subtracting the accumulated point amount from the payment amount of the sales slip is transmitted.

While the present invention has been described in connection with certain exemplary embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the scope of the present invention. For example, if the name of the smartphone is used for convenience, but it is a portable information terminal capable of installing a point management application instead of a smart phone, it can be applied regardless of the type or name.

Further, the points accumulated using the point accumulation method of the present invention can be configured to be used using a conventional method without using the point use method of the present invention, and conversely, the points accumulated using the conventional point accumulation method May also be configured for use with the point-of-use method of the present invention.

100 point management server,
200 credit card payment server,
300 credit card payment terminal,
400 smartphone.

Claims (21)

A first step of receiving a transaction approval number from a user in a point management application installed in a smartphone of a user,
A second step of transmitting the transaction approval number from the point management app to the point management server;
A third step of the point management server transmitting the transaction approval number to a credit card payment server,
A fourth step of the point management server receiving transaction approval information according to the transaction approval number from a credit card payment server;
The point management server accumulates points according to the transaction approval information,
And a point accumulation method. The method of claim 1, wherein the first step comprises extracting a transaction authorization number from an image of a credit card sales slip in a point management app. The point accumulation method according to claim 1, wherein the transaction approval information includes the merchant information and the total payment amount, and the point management server accumulates points according to the merchant payment amount and the payment amount. The method of claim 3,
The point management server transmits the transaction approval information to the point management application after the fourth step and the point management application performs the fifth step after displaying the transaction approval information on the screen and receiving confirmation from the user How to earn points. The method according to claim 1,
Further comprising the step of storing the transaction approval number in which the point management server has accumulated the points after the fifth step,
And in the third step, the point management server transmits the transaction approval number to the credit card payment server only when the same transaction approval number as the transaction approval number received from the point management app is not stored. The method according to claim 1,
And in the fifth step, the point management server accumulates points for the card user associated with the point management app. The method according to claim 1,
The transaction approval information includes credit card information, merchant information, and total payment amount,
And in the fifth step, the point management server accumulates points determined by the merchant and the payment amount for the card user corresponding to the credit card information. A first step of receiving a transaction approval number of a sales slip to be discounted from a user and a point amount to be used in a point management app installed in a smartphone of a user,
A second step of transmitting information on the transaction approval number and the point amount to the point management server in the point management app,
A third step of the point management server requesting the credit card payment server to cancel the sales corresponding to the transaction approval number;
The point management server transmits to the credit card payment server a new sales slip corresponding to the amount of money less the point amount from the payment amount of the sales slip;
The point management server subtracts points according to the transaction approval information,
The point being used. 9. The method of claim 8,
The point management server having received the information on the transaction approval number and the point amount in the second step executes the third step and the fourth step when the cancellation period of the sales slip corresponding to the transaction approval number is exceeded A minus sales slip corresponding to the point amount is transmitted to the credit card payment server. 9. The method of claim 8,
In the second step, when the option of using the point total amount is selected instead of the point amount to be used in the first step, the point management app notifies the point management server that the option of using the point total amount option is selected instead of the information about the point amount, The point management server transmits a new sales slip corresponding to an amount of the sales slip calculated by deducting the accumulated point amount from the payment slip of the sales slip when the accumulated points of the user are smaller than the payment amount. Way. A first step in which a credit card payment server that has approved a credit card transaction transmits transaction approval information to a smartphone registered for a credit card user who has been approved for transaction;
A second step of transmitting the transaction approval information from the smartphone to the point management server;
A third step of confirming validity of the transaction approval information received from the smart card by the point management server to the credit card payment server;
When the transaction approval information is valid, the point management server accumulates points for the credit card user in accordance with the transaction approval information
And a point accumulation method. 12. The method of claim 11,
In the first step, the transaction approval information is transmitted in the form of a message including information capable of calling a point management app installed in the smart phone,
The second step is that when the smartphone makes a call to the point management application using the information capable of calling the point management application included in the message, the point management application transmits the transaction approval information to the point management server . 12. The method of claim 11, wherein the transaction approval information includes the merchant information and the total payment amount, and in the fourth step, the point management server accumulates points according to the merchant and the payment amount. 14. The method of claim 13,
After the third step, the point management server transmits the transaction approval information to the point management application, and the point management application performs the fifth step after displaying the transaction approval information on the screen and receiving confirmation from the user How to earn points. 13. The method of claim 12,
And in the fourth step, the point management server accumulates points for the card user associated with the point management app. 12. The method of claim 11,
The transaction approval information includes credit card information, merchant information, and total payment amount,
And in the fourth step, the point management server accumulates points for the card user corresponding to the credit card information according to the franchisee and the payment amount. A first step of transmitting a point accumulation request while transferring a credit card number to a credit card payment server in a point management app installed in a user's smartphone after a credit card payment;
A point management server receiving a transaction approval information corresponding to the credit card number from a credit card payment server;
And the point management server accumulates points according to the transaction approval information
And a point accumulation method. 18. The method of claim 17,
Wherein the transaction approval information includes the merchant information and the total payment amount, and the point management server accumulates the points determined by the merchant and the payment amount. 19. The method of claim 18,
The point management server transmits the transaction approval information to the point management application after the second step and the point management application performs the third step after displaying the transaction approval information on the screen and receiving confirmation from the user How to earn points. 18. The method of claim 17,
And in a third step, the point management server accumulates points for the card user associated with the point management app. 18. The method of claim 17,
The transaction approval information includes credit card information, merchant information, and total payment amount,
And in the third step, the point management server accumulates points determined by the merchant and the payment amount for the card user corresponding to the credit card information.
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