KR20170088066A - Method for depositing and using points using a text message - Google Patents

Abstract

Provided by the present invention is a method to conveniently accumulate and use points without a need to present a point accumulation card to a cashier in order to accumulate or use points when accumulating or using a credit card. When a user pays with a credit card, a credit card payment server transmits transaction information including a unique number (original transaction unique number) related to a credit card transaction to a point management server and transmits a text message including a uniform resource locator (URL) for access to the point management server to the phone number of the user. When the user receiving the text message clicks the URL included in the text message since the user wants a point accumulation, the point management server accumulates affiliated store points about the corresponding user. The present invention can remarkably reduce time consumed in a sales desk to accumulate and use affiliated points since the accumulation or use of points are not performed at the time of credit card payment but performed individually using the text message transmitted to a smartphone of the user after the credit card payment.

Description

[0001] 1. Field of the Invention [0002] The present invention relates to a method for accumulating points using text messages,

The present invention relates to a point accumulation and use method using a text message. More specifically, the present invention relates to a point accumulation and use method using a text message, and more particularly, And how to earn points and use them.

When a user requests payment by credit card at an online or offline merchant, the payment information is transmitted to the credit card company, and the credit card company transmits the result of approval or disapproval to the merchant terminal. 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 a credit card payment amount, pay the credit card payment amount, and provide a predetermined point (or mileage) 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 for credit card usage, but in actuality, some of the fees charged by the merchant 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 the case of a franchisee, in many cases, the franchisee earns points in order to attract the user to his / her own store.

The merchant's own points may be earned at the time of purchase at the merchant, attached to the paper for earning points or stamped on the paper for earning points, or may be earned in the form of a separate merchant loyalty card A cyber membership card installed in an app, etc.) and accumulating it in a membership card. Hereinafter, the points that are independently accumulated at an affiliated store are referred to as "merchant points", and the points that the credit card company accumulates are referred to as "card issuer points".

However, in order to earn points for a merchant, a credit card company provides a credit card to a 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 accumulate the 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 use method using a text message that can save time at a sales desk for accumulating and using merchant points.

When a user makes a payment using a credit card, the credit card payment server checks the validity, remaining usage, etc. of the credit card and sends a transaction approval or rejects the transaction. When the credit card transaction is approved, the credit card payment server transmits information such as a credit card transaction unique number ("original transaction unique number"), merchant information, approved amount, approval number, user phone number, etc. to the point management server And transmits a text message including a URL (Uniform Resource Locator) for connection to the point management server. The URL contains information about the original transaction unique number.

The user who receives the text message clicks the URL included in the text message if he wishes to accumulate points. Then, the smartphone of the user is connected to the point management server through the Internet network according to the clicked URL, and at the same time, original transaction unique number information contained in the URL is transmitted to the point management server. The point management server confirms whether the original transaction unique number identical to the received original transaction unique number is received from the credit card payment server, and if there is the same original transaction unique number, According to the information, the merchant points are accumulated for the user. When a merchant point is earned, the user's phone number can be used as a unique key. In this way, by storing the telephone number of the user in association with the merchant, the point management server can transmit the promotional text message to the user who has accumulated the points at the merchant in response to the request from the merchant.

In another embodiment, instead of the credit card payment server directly transmitting the original transaction unique number, the merchant information, the approved amount, the approval number, and the user telephone number to the point management server, It is also possible to configure such that the URL of the text message transmitted by the number includes these information. In this case, when the user clicks the URL, the information is also transmitted to the point management server. Then, the point management server skips the procedure for confirming whether the original transaction unique number identical to the received original transaction unique number has been received from the credit card payment server and accumulates the merchant point for the user according to the information contained in the URL Can be configured.

When a user clicks on a URL transmitted to a user at the time of payment of a credit card, the point management server not only displays a button for accumulating the merchant point but also a button for using the merchant point on the user smartphone screen, You can configure your merchant to use merchant points in card payments. When the user selects to use the merchant point and inputs an amount to use, the point management server requests the credit card payment server to use the corresponding amount, and deducts the point corresponding to the amount of money at the accumulated merchant point. The credit card payment server then charges the user for the amount deducted by the point use amount when charging the credit card payment amount to the user in the future. In addition, when the credit card payment server sends the credit card payment amount to the credit card payment server, the credit card payment server transfers the amount deducted by the amount of use of the merchant's point of the merchant, thereby paying the usage amount of the user's merchant point at the merchant.

In addition, according to the embodiment, it is possible to configure the card issuance point to be used together when the merchant point is used. In this case, the credit card company will pay the credit card company for the credit card company, and the credit card company will handle the deduction for the credit card company.

According to the present invention, the accumulation or use of points is not performed at the time of credit card settlement, but is performed individually using a text message transmitted to the user's smartphone after the credit card settlement. Therefore, Can be greatly reduced. In addition, the advertising effect of the merchant can be enhanced by adding an advertisement or an event notice of the merchant unit to the text message for accumulating the points. In addition, when a franchisee wants to publicize a customer who has earned points at the franchisee, a text message can be sent through the franchiser so that it is not necessary to expose personal information such as a telephone number to the franchisee.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram illustrating an overall system for performing point accumulation and use methods of the present invention. FIG.
2 is a flowchart illustrating a point accumulation procedure according to an embodiment of the present invention.
FIG. 3 is a flowchart illustrating a point use procedure according to an embodiment of the present invention.
4 is an example of a text message transmitted to a user at the time of payment of a credit card in an embodiment of the present invention.
5 is an example of a screen displayed on a smartphone of a user when a user accesses a point management server by clicking a URL included in a text message for point accumulation.
6 is an example of a screen displayed on the smartphone of the user when the user selects to use the point on the screen of Fig.
7 is a flowchart showing a point accumulation procedure according to another embodiment of the present invention.
8 is a flowchart illustrating a point use procedure according to another embodiment of the present invention.

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 of the credit card, remaining usage, etc., and sends a transaction approval or rejects the transaction. When the credit card transaction is approved, the credit card payment server 200 transmits information such as a credit card transaction unique number ("original transaction unique number"), merchant information, approved amount, approval number, To the management server 100 and transmits a text message including a URL (Uniform Resource Locator) to the point management server 100 including the original transaction unique number to the telephone number of the smartphone 400 of the user. The credit card payment server 200 may directly transmit information such as the original transaction unique number, the merchant information, the approved amount, and the approval number to the point management server 100, It is also possible to include such information in a URL of a text message to be transmitted to a telephone number of the Internet 400.

The user who receives the text message clicks the URL included in the text message if he wishes to accumulate points. Then, the smartphone 400 of the user is connected to the point management server 100 through the Internet network according to the clicked URL, and at the same time, the original transaction unique number contained in the URL is transmitted to the point management server 100. In the embodiment in which information such as the merchant information, the approved amount, and the approval number is also transmitted to the URL, when the user clicks the URL, the information is also transmitted to the point management server 100.

The point management server 100 checks whether the original transaction unique number identical to the received original transaction unique number has been received from the credit card payment server 200. If there is the same original transaction unique number, A screen for confirming whether or not to do so is transmitted, and the point accumulation and use procedure is performed according to the user's selection. If the user only desires to accumulate points, he / she accumulates merchant points with respect to the user (or the user's credit card) according to the information received from the credit card payment server 200 in association with the original transaction unique number.

In the embodiment in which the information including the merchant information, the approved amount, and the approval number is also transmitted to the URL, the procedure for confirming whether the original transaction unique number identical to the transferred original transaction unique number is received from the credit card payment server 200 The system can be configured to accumulate merchant points for the user (or the user's credit card) according to the information contained in the URL.

Hereinafter, various points accumulation and use methods will be described with reference to the drawings.

< 1st Example  >

1. How to earn points

A point accumulation method according to an embodiment of the present invention will be described with reference to FIGS. 2, 4, and 5. FIG.

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 of the credit card, remaining usage, etc., and sends a transaction approval or rejects the transaction. When the normal credit card payment is made (step S20), the credit card payment server 200 transmits a unique number ("original transaction unique number") related to the credit card transaction, merchant information, approval amount, approval number, To the point management server 100 (step S21). The telephone number of the user smartphone 400 stored in the credit card payment server 200 may include a text message including a URL (Uniform Resource Locator) to the point management server 100 including the original transaction unique number (Step S22). One example of a text message is shown in FIG.

The user who receives the text message clicks the URL 41 included in the text message if he wishes to accumulate points (step S23). Then, the smartphone 400 of the user is connected to the point management server 100 through the Internet network according to the clicked URL, and at the same time, the original transaction unique number contained in the URL is transferred to the point management server 100 S24).

The point management server 100 checks whether the original transaction unique number identical to the received original transaction unique number is received from the credit card payment server 200. If there is the same original transaction unique number, the point management server 100 calculates a point to be accumulated from the transaction information Information about the points at the corresponding merchant store linked to the user's phone number is read and the information about the point accumulation (points to be accumulated at this time, accumulated points, available points, etc.) and means for accumulating points are displayed Screen is transmitted (step S25). An example of the screen at this time is shown in Fig. Meanwhile, when the user clicks a URL to access the point management server 100, the user smartphone 400 may be configured to transmit the phone number of the user smartphone 400 to the point management server 100 together. In this case, the point management server 100 may be configured to perform the next step only when the telephone number received from the user smartphone 400 matches the telephone number of the user included in the transaction information received in step S21 .

When the user clicks the " Use after point "button 51 on the screen of Fig. 5 to select point accumulation (step S26), the point management server 100 transmits, (Step S27), the franchisee points of the corresponding franchisee are accumulated with respect to the user according to the transaction information received from the terminal 200 (step S27). When a merchant point is earned, the user's phone number can be used as a unique key.

Meanwhile, the phone number of the user who has accumulated the merchant point is stored in association with the merchant store, so that the point management server 100 can transmit the promotional text message to the user who has accumulated the points at the merchant store according to the request from the merchant.

2. How to use points

Next, a point accumulation method according to an embodiment of the present invention will be described with reference to FIGS. 3, 4, and 5. FIG.

When the user makes a payment using the credit card and a normal credit card payment is made (step S30), the credit card payment server 200 transmits a unique number ("original transaction unique number") related to the credit card transaction, The approval amount, the approval number, and the user telephone number to the point management server 100 (step S31). In addition, the telephone number of the user smartphone 400 stored in the credit card payment server 200 includes a URL (Uniform Resource Locator) to the point management server 100 including the original transaction unique number, The same text message is transmitted (step S32).

When the user who has received the text message wants to accumulate points, he clicks the URL 41 included in the text message (step S33). Then, the smartphone 400 of the user is connected to the point management server 100 through the Internet network according to the clicked URL, and at the same time, the original transaction unique number contained in the URL is transferred to the point management server 100 S34).

The point management server 100 checks whether the original transaction unique number identical to the received original transaction unique number has been received from the credit card payment server 200. If there is the same original transaction unique number, The accumulated points, the available points, etc.) and the means for accumulating points (step S35). An example of the screen at this time is shown in Fig. Meanwhile, when the user clicks a URL to access the point management server 100, the user smartphone 400 may be configured to transmit the phone number of the user smartphone 400 to the point management server 100 together. In this case, the point management server 100 may be configured to perform the next step only when the telephone number received from the user smartphone 400 matches the telephone number of the user included in the transaction information received in step S21 .

5, when the user clicks the "use point" button 52 to select the point use (step S36), the point management server 100 transmits a screen for inputting the point amount to be used to the smartphone 400 And receives the amount of usage from the user. The point management server 100 deducts the franchise point of the corresponding franchisee for the user by the amount of the input points (step S37). Also, in accordance with the transaction information received from the credit card payment server 200 in association with the original transaction unique number of the current transaction, points of merchant points of the corresponding merchant are also accumulated for the user. You can use your phone number as a unique key when you accumulate and use your merchant points.

In addition, the point management server 100 transmits the point usage information including the point usage amount information, the user information, and the merchant point information to the credit card payment server 200 (S38). Step S38 may be performed when the user selects point of use of the merchant point to deduct points or collects the points used by all the users for a predetermined time (for example, one day) As shown in FIG.

Upon receipt of the point usage information, the credit card payment server 200 requests the user for a credit amount deducted from the credit card usage amount by the point usage amount. In addition, when the credit card payment server sends the credit card payment amount to the credit card payment server, the credit card payment server transfers the amount deducted by the amount of use of the merchant's point of the merchant, thereby paying the usage amount of the user's merchant point at the merchant.

In addition, according to the embodiment, it is possible to configure the card issuance point to be used together when the merchant point is used. In this case, it is preferable to display information on the card dealer point on the screen displayed in step S35. In addition, if the user selects the point use in step S36, as shown in FIG. 6, the means for inputting the point value of the merchant point to be used and the point of the card point to be used are displayed, . The point deduction in step S37 is deducted only by the amount of the merchant points to be used, and the information on the credit card company point amount is transmitted from the point management server 100 to the credit card payment server 200 to subtract points from the credit card payment server 200 . At the time of the settlement in the step S39, the credit card company uses the credit card company's usage amount, and the credit card company also handles the credit card company's deduction.

< Second Example  >

1. How to earn points

A point accumulation method according to another embodiment of the present invention will be described with reference to FIGS. 7, 4, and 5. FIG.

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 of the credit card, remaining usage, etc., and sends a transaction approval or rejects the transaction. When the normal credit card payment is made (step S70), the credit card payment server 200 transmits a unique number ("original transaction unique number") related to the credit card transaction, merchant information, approval amount, approval number, (Uniform Resource Locator) to the point management server 100 including the transaction information of the user's smartphone 400 stored in the credit card payment server 200 (step &lt; RTI ID = 0.0 &gt; S71). One example of a text message is shown in FIG.

The user who has received the text message clicks the URL 41 included in the text message if he wishes to accumulate points (step S72). Then, the smartphone 400 of the user is connected to the point management server 100 through the Internet according to the clicked URL, and at the same time, the transaction information included in the URL is transmitted to the point management server 100 (step S73) .

The point management server 100 calculates points to be accumulated from the received transaction information, reads information about points at the corresponding merchant stores stored in association with the corresponding user number, and informs the user of point accumulation information Points, accumulated points, available points, etc.) and means for point accumulation are displayed (step S74). An example of the screen at this time is shown in Fig.

When the user clicks the " Use after point "button 51 on the screen of Fig. 5 to select the point accumulation (step S75), the point management server 100 accumulates the merchant point of the corresponding merchant (Step S76). When a merchant point is earned, the user's phone number can be used as a unique key.

Meanwhile, the phone number of the user who has accumulated the merchant point is stored in association with the merchant store, so that the point management server 100 can transmit the promotional text message to the user who has accumulated the points at the merchant store according to the request from the merchant.

2. How to use points

Next, referring to Figs. 8, 4, and 5, a point using method according to another embodiment of the present invention will be described.

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 of the credit card, remaining usage, etc., and sends a transaction approval or rejects the transaction. When the normal credit card payment is made (step S80), the credit card payment server 200 transmits a unique number ("original transaction unique number") related to the credit card transaction, merchant information, approved amount, approval number, (Uniform Resource Locator) to the point management server 100 including the transaction information of the user's smartphone 400 stored in the credit card payment server 200 (step &lt; RTI ID = 0.0 &gt; S81). One example of a text message is shown in FIG.

The user who receives the text message clicks the URL 41 included in the text message if he wishes to accumulate points (step S82). Then, the smartphone 400 of the user is connected to the point management server 100 through the Internet according to the clicked URL, and at the same time, the transaction information included in the URL is transmitted to the point management server 100 (step S83) .

The point management server 100 calculates points to be accumulated from the received transaction information, reads information about points at the corresponding merchant stores stored in association with the corresponding user number, and informs the user of point accumulation information Points, accumulated points, available points, etc.) and means for point accumulation (step S84). An example of the screen at this time is shown in Fig.

5, when the user clicks the "use point" button 52 to select the point use (step S85), the point management server 100 transmits a screen for inputting the point amount to be used to the smartphone 400 And receives the usage amount from the user. The point management server 100 subtracts the merchant point from the user for the input point amount (step S86). In addition, according to the transaction information of this transaction, the franchisee points of the corresponding franchisee are also accumulated for the user. You can use your phone number as a unique key when you accumulate and use your merchant points.

In addition, the point management server 100 transmits point use information including point usage amount information, user information, and merchant point information to the credit card payment server 200 (S87). Step S87 may be performed when the user selects point of use of the merchant point to deduct points or collects the point details used by all the users for a predetermined period of time (for example, one day) As shown in FIG.

Upon receipt of the point usage information, the credit card payment server 200 requests the user for a credit amount deducted from the credit card usage amount by the point usage amount. In addition, when the credit card payment server sends the credit card payment amount to the credit card payment server, the credit card payment server transfers the amount deducted by the amount of use of the merchant's point of the merchant, thereby paying the usage amount of the user's merchant point at the merchant.

In addition, according to the embodiment, it is possible to configure the card issuance point to be used together when the merchant point is used. In this case, it is preferable to also display information on the card issuance point on the screen displayed in step S84. In addition, if the user selects the use of points in step S85, as shown in FIG. 6, a means for inputting the merchant point amount to be used and a card company point amount to be used is displayed, . The point deduction in step S86 subtracts only the amount of the merchant points to be used, and information on the credit card company point amount is transmitted from the point management server 100 to the credit card payment server 200 to subtract points from the credit card payment server 200 . At the time of the settlement in the step S88, the credit card company uses the credit card company's usage amount, and the credit card company also handles the credit card company's deduction.

While the present invention has been described with reference to exemplary embodiments, it is to be understood that the invention is not limited to the disclosed exemplary embodiments. That is, within the scope of the present invention, all of the components may be selectively coupled to one or more of them. In addition, although all of the components may be implemented as one independent hardware, some or all of the components may be selectively combined to perform a part or all of the functions in one or a plurality of hardware. As shown in FIG. The codes and code segments constituting the computer program may be easily deduced by those skilled in the art. Such a computer program can be stored in a computer-readable storage medium, readable and executed by a computer, thereby realizing an embodiment of the present invention. The storage medium of the computer program may include a semiconductor recording medium, a magnetic recording medium, an optical recording medium, a carrier wave medium, and the like.

Furthermore, the terms "comprises", "comprising", or "having" described above mean that a component can be implanted unless otherwise specifically stated, But should be construed as including other elements.

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

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

Claims (1)

Transmitting the transaction information including the merchant information, authorization amount, authorization number, and user telephone number related to the credit card transaction in which the credit card payment server is normally charged to the point management server;
The credit card payment server transmitting a text message including access information to the point management server to the user telephone number;
The point management server receiving transaction information necessary for point accumulation from a credit card payment server using information received from a user connected to the point management server using the access information included in the text message,
The point management server generates information on the point accumulation from the transaction information received from the credit card payment server and displays the information on the point accumulation and the means for accumulating points to the user who has accessed the point management server Transmitting,
When the user approves the point accumulation, the point management server accumulates the merchant point of the corresponding merchant for the user according to the transaction information received from the credit card payment server
And a point accumulation method.

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