KR20170088697A - Apparatus for integrated point management and operation method thereof - Google Patents

Abstract

According to an embodiment of the present invention, a point-integrated operation device and an operation method thereof are provided. The method includes receiving information about at least one user's points accumulated by an affiliated company; Switching the point to the aggregation point of the user based on the information about the point, and depositing the aggregation point account; Operating the investment product using the investment principal corresponding to the deposited integration point; And making a settlement for the user based on the operation, wherein the step of finishing is performed when the ratio of the investment principal of the user changes, and the ratio of the investment principal is the investment of each of the users It may be the percentage of the principal.

Description

[0001] APPARATUS FOR INTEGRATED POINT MANAGEMENT AND OPERATION METHOD THEREOF [0002]

More particularly, the present invention relates to a point integrated operation device capable of converting individual points of a user accumulated by at least one point accumulation company into integration points and utilizing the investment points for operation of investment products, And an operation method thereof.

Online merchants such as online shopping malls and social commerce banks, financial institutions such as banks, credit card companies, securities companies and insurance companies, and communication companies or their affiliates or affiliated merchants are required to pay attention to customer's transaction performance in order to attract customers, And has accumulated various types of corresponding points to its customers. On the other hand, customers are habitually accepting point accruals for vague hopes that they can use these points as cash someday.

However, the points earned by these point-earning organizations during a customer's one-time transaction are typically very small, depending on the size of the transaction, and therefore considerable time is required to earn points that customers can use It is quite uncommon for customers to receive substantial benefits from individual points earned in each point accumulating agency. In addition, there are a lot of point accumulation institutions that provide point service to customers, but since point accumulation and management are carried out individually for each point accumulating agency, point accumulation and use are not shared among the point accumulating institutions. It is inconvenient to separately manage the points accumulated in the point accumulation institutions of the points.

Also, even though the point accumulation amount accumulated in the individual customer is small, the point accumulation amount accumulated in a large number of customers corresponds to a considerable amount, and since the point accumulation amount accumulated in the customer corresponds to the liability, These points, which are not accumulated yet, have a difficulty in imposing a lot of burden on the accounting of the point accumulating institution.

Therefore, in order to solve such a problem, there is a need for a technique that makes it possible to utilize the points accumulated in a plurality of point accumulation institutions more effectively.

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems and it is an object of the present invention to provide a point integrated operating device capable of using points more effectively by converting individual points of a user accumulated by one or more point accumulation companies into integration points, And an operation method thereof.

The technical problems of the present invention are not limited to the above-mentioned technical problems, and other technical problems which are not mentioned can be understood by those skilled in the art from the following description.

According to an embodiment of the present invention, a method of operating a point-integrated operation apparatus is provided. The method includes receiving information about at least one user's points accumulated by an affiliated company; Switching the point to the aggregation point of the user based on the information about the point, and depositing the aggregation point account; Operating the investment product using the investment principal corresponding to the deposited integration point; And making a settlement for the user based on the operation, wherein the step of finishing is performed when the ratio of the investment principal of the user changes, and the ratio of the investment principal is the investment of each of the users It may be the percentage of the principal.

Calculating a profit of each of the users based on the investment principal ratio before the change; And depositing the revenue to a settlement account of each of the users, wherein the settlement account may be a virtual account or a real account.

The method may further include transferring the revenues deposited in the settlement accounts to the respective registered accounts of the users or switching to the points of the affiliated companies and paying the revenues to the users.

It is also preferable that the settlement step further comprises calculating reinvestment revenue among the profits of each of the users based on the reinvestment information of each of the users, And the reinvestment proceeds may be added to the investment principal of each of the users.

The method may further include returning at least a portion of the investment principal to the user in response to the user's request to return the investment principal.

Also preferably, there is provided a method comprising: receiving an investment request for a point of a second user earned by a non-affiliated company; And in response to the investment request, determining whether a predetermined investment requirement is satisfied, wherein the investment requirement includes a condition for at least one of a point type and an investment limit, wherein when the investment requirement is satisfied , Depositing in the aggregate point account can be performed for the investment requested point.

In addition, the method may further include the step of repaying the deposited integration points to generate the investment principal.

In addition, preferably, the step of generating the investment principal includes the steps of: requesting the affiliate company to pay the fund corresponding to at least a part of the integration points; And transferring the funds from the affiliate company to a predetermined operational account in response to the request.

According to an embodiment of the present invention, there is provided a computer-readable recording medium having recorded thereon a program for performing a method of operating a point-integrated operating device.

According to an embodiment of the present invention, an automatic debit apparatus is provided. The apparatus comprises: a communication unit for receiving information about at least one user's points accumulated by an affiliated company; A point manager for switching the point to the user's integration point based on the information about the point and depositing the integrated point in the integrated point account; An operation unit for operating an investment product using investment principal corresponding to the deposited integration point; And a settlement unit for making a settlement to the user of the profit related to the operation, wherein the settlement unit performs the settlement when the ratio of the investment principal of the user changes, wherein the ratio of the principal of the investment is the investment of each of the users It may be the percentage of the principal.

Preferably, the settlement unit performs the settlement by calculating the profit of each of the users based on the investment principal ratio before the change, and depositing the profit on the settlement account of each of the users, wherein the settlement account is a virtual account Or a real account.

The payment unit may further include a payment unit for transferring the revenues deposited in the settlement accounts to the registered accounts of the respective users, or switching to the points of the affiliated companies, and paying the revenues to the users.

Preferably, the settlement unit may calculate the reinvestment profit during each of the users based on the reinvestment information of each of the users, deposit the remainder of the profit of each of the users excluding the reinvestment profit in the settlement account , The reinvestment proceeds may be added to the investment principal of each of the users.

Also, preferably, the operating unit may return at least a part of the investment principal to the user in response to the user's request to return the investment principal.

In addition, preferably, when the communication unit receives an investment request relating to a point of a second user accumulated by a non-affiliated company, the point management unit, in response to the investment request, Determining whether the requirement is met and, if the investment requirement is met, depositing the investment requested point in the aggregate point account, the investment requirement may include a condition for at least one of a point type and an investment limit .

Also, preferably, the operating unit can exchange the deposited integration points to generate the investment principal.

Preferably, the operation unit requests payment of funds corresponding to at least a part of the integration points to the affiliate company, and, in response to the request, transfers the funds from the affiliate company to a predetermined operation account, The investment principal can be generated.

According to the present invention, at least one point accumulation company converts points accumulated for one or more different users into a single integration point to generate and invest an investment principal and to make a profit using the investment, It has the advantage of improving the efficiency of point use.

Further, according to the present invention, it is possible to integrate and manage points of a plurality of point accumulation points, thereby making it easier to manage points.

Further, according to the present invention, the profit distribution between users can be made more transparent and simplified by immediately reflecting the change in the ratio of the investment principal among the users, and by dividing the investment profit to each user according to the investment principal ratio before the change .

Further, according to the present invention, the point utilization range can be further expanded by making it possible to obtain a profit from an investment under a predetermined limit even for a point accumulated by a non-affiliate company.

BRIEF DESCRIPTION OF THE DRAWINGS A brief description of each drawing is provided to more fully understand the drawings recited in the description of the invention.
1 shows a network including a point-integrated operating device according to an embodiment of the present invention.
FIG. 2 illustrates a point aggregation operating device according to an embodiment of the present invention.
FIG. 3 illustrates an operation method of a point-integrated operating device according to an embodiment of the present invention.
FIG. 4 illustrates an embodiment of step S350 of FIG.
5 illustrates an operation method of the point-integrated operating device according to an embodiment of the present invention.

Hereinafter, embodiments according to the present invention will be described with reference to the accompanying drawings. It should be noted that, in adding reference numerals to the constituent elements of the drawings, the same constituent elements are denoted by the same reference numerals whenever possible, even if they are shown in different drawings. In the following description of the embodiments of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the difference that the embodiments of the present invention are not conclusive. In addition, embodiments of the present invention will be described below, but the technical idea of the present invention is not limited thereto and can be variously modified by those skilled in the art.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected" . Throughout the specification, when an element is referred to as "comprising ", it means that it can include other elements as well, without excluding other elements unless specifically stated otherwise. In describing the components of the embodiment of the present invention, terms such as first, second, A, B, (a), and (b) may be used. These terms are intended to distinguish the constituent elements from other constituent elements, and the terms do not limit the nature, order or order of the constituent elements.

1 shows a network including a point-integrated operating device according to an embodiment of the present invention.

Referring to FIG. 1, the point-of-cooperative operating apparatus 200 may be interlocked with at least one user 110 and at least one point accumulator 120.

The user 110 performs a predetermined transaction such as purchasing a commodity, joining a commodity, using a card, using a card, or investing in a stock through at least one point collecting company 120, and as a reward from the point collecting company 120 A predetermined point can be provided. These points, which are accumulated by the at least one point accumulator 120 to the user 110, are converted to integration points through the point-integrated operating device 200, as will be described below, .

The point accumulator 120 is an individual or a corporation that provides product information, product sales, financial services, and communication services to the user 110. For example, the point accumulator 120 may be a merchant such as an online / offline shopping mall, a travel agency, , A financial institution (bank company, card company, financial institution, securities company, insurance company, etc.), a communication company, and the like, and may pay a predetermined point to the user 110 as a payment for the transaction performance of the user 110 . In addition, the point accumulator 120 may be divided into an affiliated company and a non-affiliated company. Here, the affiliated company refers to the point accumulating company 120 that has entered into a contract for providing point information with respect to the service provider through the point integrated operating device 200, switching points, investment product management, etc., and the non- The point accumulating yarn 120 can be referred to. In the case of an affiliate, the information about the earning point of at least one user 110 is automatically or automatically transferred to the point cooperative operating device 200 based on the agreement of the user 110 or the like, It is possible to provide services such as conversion of integration points through the integrated operating device 200 and payment of investment income using the integration points. On the other hand, in the case of a non-affiliated company, such a service can be provided through the point-integrated operating device 200 when the accumulated points satisfy a predetermined investment requirement (point type, investment limit, etc.) .

The point integrated operating device 200 may integrate the points of the user 110 accumulated by each of the point collecting companies 120 and pay the user 110 the investment profit using the points. Specifically, the point-integrated operating device 200 converts the accumulated points to integration points based on the information about the points of the user 110 provided from the point accumulator 120, and generates an investment principal corresponding to the integration points And can manage the investment products using the investment principal, and can make a periodic or irregular termination of the user 110 with respect to the profit of the investment product operation based on the investment principal ratio among the users 110 and the like . In addition, the point integrated operating device 200 may convert the collected revenue into cash or a predetermined point accumulating company 120 point at the request of the user 110 or periodically.

FIG. 2 illustrates a point aggregation operating device according to an embodiment of the present invention.

Referring to FIG. 2, the point-integrated operating device 200 may include a communication unit 210, a storage unit 220, and a control unit 230.

The communication unit 210 may be a wired and / or wireless communication unit 210, which is provided for direct connection with the outside or via a network. Specifically, the communication unit 210 transmits data from the control unit 230, the storage unit 220, and the like by wire or wireless, or receives wired or wireless data from the external unit and transmits the data to the control unit 230 or the storage unit 220 ). ≪ / RTI > The data may include information about points earned by affiliates and / or non-affiliates. The communication unit 210 may be a communication unit such as a LAN, a Wideband Code Division Multiple Access (WCDMA), a Long Term Evolution (LTE), a Wireless Broadband Internet (WiBro) Fidelity, Near Field Communication (NFC), Bluetooth, and infrared communication. However, it should be understood that the present invention is not limited to the above-described embodiments, and various kinds of wired and wireless communication technologies applicable to the related art may be used according to the embodiments to which the present invention is applied.

The storage unit 220 may store various data related to conversion of the integration point, management of investment products, settlement and payment of investment returns by the point-integrated operation device 200. The data may include information about points earned by affiliates or non-affiliates, configuration information for integration points, information about investment principal and investment products, and the like. The storage unit 220 may be a hard disk drive (HDD), a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM) flash memory, CF (Compact Flash) card, SD (Secure Digital) card, SM (Smart Media) card, MMC (Multimedia) card or Memory Stick And may be provided in the point-integrated operation device 200 or may be provided in a separate device.

The control unit 230 may perform a data processing function of controlling the signal flow between the overall operation of the point-integrated operating device 200 and the internal configurations thereof, and processing the data. In particular, the control unit 230 may include a point management unit 232, an operation unit 234, a settlement unit 236, and a settlement unit 236 in order to perform conversion of integration points, operation of investment products using integration points, And a payment unit 238. [

The point management unit 232 may convert the user's points to integration points based on information about at least one user's points accumulated by the affiliate and deposit them in the integration point account. Specifically, based on a predetermined conversion criterion, the point management unit 232 converts the points below a predetermined limit among the points accumulated for each user by the affiliate company into the corresponding integration point of the ratio, You can deposit in an aggregated point account. In addition, the point manager 232 may convert the second user's point to an aggregate point and deposit it in the aggregate point account, in response to the investment request for the second user's point accumulated by the non-affiliate. Specifically, in response to the investment request, the point management unit 232 determines whether a point of the second user satisfies a predetermined investment requirement. When the investment requirement is satisfied, the point management unit 232 converts the point to an integration point, can do.

The operation unit 234 can operate at least one investment item using the investment principal corresponding to the integration point deposited in the integration point account. In other words, the operation unit 234 creates at least a part of the integration points deposited in the integration point account according to a predetermined method, thereby generating the investment principal, and investing the generated investment principal in the at least one investment product, . Meanwhile, the operation unit 234 generates information on the generated investment principal and information on the investment product to be operated, stores it in the storage unit 220, and updates the information.

The settlement unit 236 may settle the profit (i.e., the return on investment) from the operation of the investment principal for each user. For example, the settlement unit 236 may complete the settlement of the investment income by calculating the profit for each user based on the ratio of investment principal among the users, and depositing it in the account settlement accounts established for each user have. The settlement of the return on investment can be configured to be performed periodically on a predetermined date, or to perform irregularly according to a predetermined condition (for example, a change in the ratio of investment principal).

The payment unit 238 can pay the user the settlement of the investment income. Specifically, the payment unit 238 can transfer the revenues deposited in the account settlement accounts of the user to a predetermined registered account registered for each user, or can switch to at least one point selected by the user among the affiliates and pay the user . This payment of the investment income by the payment unit 238 may be performed periodically on a predetermined date, or may be performed irregularly at the request of the user.

The operation of the control unit 230 will be described in more detail with reference to FIGS.

FIG. 3 illustrates an operation method of a point-integrated operating device according to an embodiment of the present invention.

In step S310, the communication unit 210 may receive information on at least one user's points accumulated by the affiliate. Here, the information on the point may include information on the affiliate to which the user's point is accumulated, the type of point (for example, financial point, purchase point, etc.), the number of points and the like. Information about such points may be received from at least one affiliate and may be stored in the storage unit 220 under the control of the control unit 230. [

In step S320, the point management unit 232 may convert the user's points accumulated by the affiliate company to the integration point based on the information about the received point. The conversion to such an integration point can be performed based on a predetermined conversion criterion. In other words, the conversion criteria may include a point conversion limit and / or a conversion ratio per affiliate, a point conversion limit and / or a conversion ratio for each point type, and the point management unit 232 may determine, To a corresponding integration point. In addition, the point management unit 232 can deposit the converted merged points in the merged point account. At this time, the integrated point account may be opened individually for each user, or a plurality of users may be grouped into one and opened for each group.

In one embodiment, when the switching of the consolidation point and the deposit to the consolidation point account are completed, the point management unit 232 may store the configuration information for the consolidation point deposited in the consolidation point account in the storage unit 220. [ Such configuration information may include information on the user who is the owner of the integration point, the total number of integrated points, the number of points owned by each user, the holding ratio, and the like. In addition, in one embodiment, when the conversion to the integration point and the registration to the integration point account are completed, the communication unit 210 displays conversion information on the point (for example, the number of conversion points per affiliate, The number of conversion points, and the like) to the affiliate company. Based on such conversion information, each affiliate company updates the accumulated point information with respect to the user.

In operation S330, the operation unit 234 may operate at least one investment item using the investment principal corresponding to the integration point deposited in the aggregate point account. First, the operation unit 234 can create the investment principal by making a transfer of the integration point deposited in the integration point account. The generation of such investment principal can be carried out through depositing from an affiliate. That is, the operation unit 234 requests the payment of funds corresponding to at least a part of the merged points for each affiliate through the communication unit 210, and in response to the request, By transferring funds to the investment account of the investor. At this time, the money received from the affiliate may include not only cash but also all money (for example, US dollars, beat coins, etc.) and securities (for example, stocks, bonds, etc.) However, this generation method is illustrative and not restrictive.

Then, the operation unit 234 can operate the investment product by investing the investment principal in at least one investment product (step S340). The investment products may include various types of financial instruments such as securities, funds, and / or non-financial instruments.

In one embodiment, the operation unit 234 may generate information on the investment principal and information on the investment product, store it in the storage unit 220, and update the information. The information on the investment principal can include information on the total amount of the investment principal, the amount and ratio of the investment principal per user, and the information on the investment product includes information on the type of the investment product, the investment principal by the investment product, .

In step S350, the settlement unit 236 may settle the profit on the operation of the investment principal for each user. The settlement of the ROI can be performed according to various settlement methods according to the embodiment to which the present invention is applied. In one embodiment, the settlement of the return on investment can be performed based on the investment principal rate of the user. Here, the ratio of investment principal can refer to the ratio of each investment principal among the total investment principal. In other words, the settlement unit 236 calculates the profit to be allocated to each user based on the investment principal ratio of the user, deposits the calculated profit on a predetermined settlement account established for each user, Which will complete the settlement of the revenues. Step S350 may be performed periodically and / or irregularly, depending on the embodiment. For example, step S350 may be performed according to a predetermined period, or in response to a user's request, such as a request to return an investment principal, or when the user's investment principal ratio changes.

In step S360, the payment unit 238 may pay the user a return on investment. Specifically, the payment unit 238 can transfer the revenues deposited in the account settlement accounts of the user to each of the registered accounts of the users, or to each of the users by switching to at least one of the affiliates. At this time, the payment method for the return on investment can be determined at the request of the user and / or the affiliate. That is, if the user requests the payment of cash, the user transfers the collected profit to the registered account of the user, and when the user requests the point conversion payment, the payment request of the point corresponding to the profit calculated for the at least one affiliated company is transmitted, To the point of profit. On the other hand, the point change payment request may include information on the affiliate of the point to be paid, the kind of the point, and the like. Step S360 may be performed periodically or irregularly according to a user's request. However, this type of payment is illustrative, and according to the embodiment to which the present invention is applied, the investment income can be paid in various ways such as stocks, bond transfer, and the like.

Although not shown in FIG. 3, in one embodiment, the method 300 may further comprise returning at least a portion of the investment principal to the user. Specifically, if the investment loss does not occur as a result of the settlement through step S350, the operation unit 234 divides at least a part of the total investment principal in accordance with the investment principal ratio between the users and returns, At least a portion of the total investment principal, excluding loss, may be returned in proportion to the principal of the investment between users. At this time, at least some of the users may set a return rate for the principal of the investment, and the return of at least a part of the principal can be performed based on the return rate on the principal of the investment rather than on the investment principal rate. Also, depending on the investment principal rate, the investment principal of at least some of the users may change, and thus the principal investment ratio may be newly calculated based on the changed investment principal. The above step may be performed periodically and / or irregularly, following step S350.

FIG. 4 illustrates an embodiment of step S350 of FIG.

Referring to FIG. 4, step S350 may include calculating a user's ROI (step S352) and depositing the calculated ROI on a settlement account of the user (step S354). In this case, step S350 may be performed for the investment principal ratio before the change if the investment principal ratio of the user changes. For example, step S350 may be performed when points are added to an integrated point account by an existing user or a new user, thereby changing the investment principal ratio. Meanwhile, if there are a plurality of unified point accounts, whether the change in the investment principal ratio can be determined for each unified point account, and in step S350, Lt; / RTI >

In step S352, the settlement unit 236 may calculate the profit of each user on the basis of the investment principal ratio between users. Specifically, the settlement unit 236 can calculate the ROI of each user by allocating the total investment return from the previous settlement to the time point when the ratio of the investment principal of the user has changed to the user according to the investment principal ratio before the change. have.

Subsequently, in step S354, the settlement unit 236 may deposit the calculated ROI into each settlement account of the user. Here, the settlement account may be a virtual account created corresponding to each user, or a real account.

In this way, the point-integrated operating device 200 can immediately reflect the change in the ratio of the investment principal to the user, thereby making the profit distribution between the existing investor and the new investor more transparent and simplified

On the other hand, in one embodiment, the step S350 may further include the step of calculating the reinvested profit from the ROI of each user based on the reinvestment information of each of the users. Here, the reinvestment information is set by each user, and may include information on the ratio of the profit to be reinvested in the investment to the investment product of the user. That is, if the ROI of each user is calculated through step S352, the settlement unit 236 may calculate the return corresponding to the reinvestment rate as the reinvestment revenue from the respective users' profits. The reinvestment proceeds calculated in this way can be used as investment principal in subsequent investment projects. Also, in this case, the deposit to the settlement account in step S354 may be performed on the revenues other than the reinvestment revenues from the respective users' revenues. Through this, it is possible to reinvest all or a part of the investment income in the operation of the investment commodity, thereby making it possible to further improve the operation efficiency of the user's investment income and investment products.

5 illustrates an operation method of the point-integrated operating device according to an embodiment of the present invention.

The method 500 may be performed after the at least one of the steps of constructing the method 300 of FIG. 3 and / or the method 400 of FIG. 4, performed at a point earned by the non- .

First, in step S510, the communication unit 210 may receive an investment request regarding a point of a second user accumulated by a non-affiliate. Here, the investment request may include point information of the second user accumulated by the non-affiliate, and the point information may include information on the non-affiliate, point type, point quantity, and the like.

In step S520, the point management unit 232, in response to the investment request, can determine whether or not a predetermined investment requirement is satisfied. At this time, the investment requirement may include a condition regarding at least one of the type of the point and the investment limit. In one embodiment, the point management unit 232 may determine that the investment requirement is satisfied only when the point of the second user requested for investment corresponds to a predetermined point type. In addition, in one embodiment, the point management unit 232 may manage the investment only when the point of the second user requested for investment falls within a predetermined investment limit (total investment limit, investment limit for each point type, investment limit for each non-affiliated company) It can be determined that the requirement is satisfied or that the investment requirement is satisfied only for the quantity less than the investment limit of the points of the second user. However, these investment requirements are illustrative and not restrictive.

If it is determined that the investment requirement is satisfied, in step S530, the point management unit 232 may convert the point of the second user requested for investment to the integration point. As with the points of the affiliate company described above with reference to FIG. 3, the unified point conversion of the points accumulated by the non-affiliate company is performed based on a predetermined conversion criterion (for example, a conversion ratio for each non-affiliate company, , ≪ / RTI > In addition, the point management unit 232 can deposit the converted points in the integrated point account.

Thereafter, the points deposited in the unified account can be repaid to the corresponding investment principal, as described above with reference to Figures 3 and 4, to be used for the operation of the investment product, and the non- As shown in Fig.

Meanwhile, the various embodiments described herein may be implemented by hardware, middleware, microcode, software, and / or a combination thereof. For example, various embodiments may include one or more application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays ), Processors, controllers, microcontrollers, microprocessors, other electronic units designed to perform the functions described herein, or a combination thereof.

Also, for example, various embodiments may be stored or encoded in a computer-readable medium including instructions. The instructions stored or encoded in the computer-readable medium may cause a programmable processor or other processor to perform the method, for example, when the instructions are executed. The computer-readable medium includes both computer storage media and communication media including any medium that facilitates the transfer of a computer program from one place to another. The storage medium may be any available media that can be accessed by a computer. By way of example, and not limitation, such computer-readable media can comprise RAM, ROM, EEPROM, CD-ROM or other optical disk storage media, magnetic disk storage media or other magnetic storage devices, Or any other medium that can be used to carry or store in the form of structures.

Such hardware, software, firmware, etc. may be implemented within the same device or within separate devices to support the various operations and functions described herein. Additionally, components, units, modules, components, etc. described in the present invention as "parts" may be implemented separately or together as separate but interoperable logic devices. The description of different features for modules, units, etc. is intended to emphasize different functional embodiments and does not necessarily imply that they must be implemented by individual hardware or software components. Rather, the functionality associated with one or more modules or units may be performed by separate hardware or software components, or may be incorporated within common or separate hardware or software components.

Although acts in a particular order are shown in the figures, it should be understood that these acts are performed in the specific order shown, or in a sequential order, or that all illustrated acts need to be performed to achieve the desired result . In any environment, multitasking and parallel processing may be advantageous. Moreover, the division of various components in the above-described embodiments should not be understood as requiring such a distinction in all embodiments, and the components described may generally be integrated together into a single software product or packaged into multiple software products It should be understood.

As described above, an optimal embodiment has been disclosed in the drawings and specification. Although specific terms have been employed herein, they are used for purposes of illustration only and are not intended to limit the scope of the invention as defined in the claims or the claims. Therefore, those skilled in the art will appreciate that various modifications and equivalent embodiments are possible without departing from the scope of the present invention. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

Claims (17)

A method of operating an integrated pointing device,
Receiving information about at least one user's points accumulated by an affiliated company;
Switching the point to the aggregation point of the user based on the information about the point, and depositing the aggregation point account;
Operating the investment product using the investment principal corresponding to the deposited integration point; And
And making a profit to the user for the operation,
Wherein the finishing step is performed when the ratio of the investment principal of the user changes, and the ratio of the investment principal is a ratio of the investment principal of each of the users among the total investment principal. The method according to claim 1,
Wherein the step of calculating includes: calculating a profit of each user based on the investment principal ratio before the change; And depositing the revenue to the account closing accounts of the respective users, wherein the closing account is a virtual account or a real account. 3. The method of claim 2,
Transferring the revenues deposited in the settlement accounts to the respective registered accounts of the users, or switching to the points of the affiliates, and paying the rewards to the user. 3. The method of claim 2,
Wherein the settlement step further comprises calculating reinvestment revenues among the revenues of the respective users based on reinvestment information of each of the users,
The step of depositing in the settlement account is performed on the profit of each of the users excluding the reinvested profit,
Wherein the reinvestment revenue is added to the investment principal of each of the users. The method according to claim 1,
And returning at least a portion of the investment principal to the user in response to the user's principal return request. The method according to claim 1,
Receiving an investment request for a point of a second user earned by a non-affiliated company; And
In response to the investment request, determining whether a predetermined investment requirement is satisfied,
The investment requirement includes a condition for at least one of a point type and an investment limit,
If the investment requirement is met, depositing in the aggregated point account is performed for the investment requested point. The method according to claim 1,
Further comprising: depositing the deposited consolidation point to generate the investment principal. 8. The method of claim 7,
Wherein the step of generating the investment principal comprises:
Requesting the affiliate to pay the fund corresponding to at least a part of the integration points; And
And in response to the request, transferring the funds from the affiliate to a predetermined operational account. 9. A computer-readable recording medium on which a program for performing the method according to any one of claims 1 to 8 is recorded. As point integrated operation device,
A communication unit for receiving information about at least one user's points accumulated by an affiliated company;
A point manager for switching the point to the user's integration point based on the information about the point and depositing the integrated point in the integrated point account;
An operation unit for operating an investment product using investment principal corresponding to the deposited integration point; And
And a settlement unit for making a profit for the user to the user,
Wherein the settlement unit performs the settlement when the ratio of the investment principal of the user changes, wherein the ratio of the investment principal is a ratio of the investment principal of each of the users to the total investment principal. 11. The method of claim 10,
Wherein the settlement unit performs the settlement by calculating a profit of each of the users based on the investment principal ratio before the change and depositing the profit in the settlement account of each of the users, and the settlement account is a virtual account or a real account , Device. 12. The method of claim 11,
Further comprising a payment unit for transferring the revenues deposited in the account settlement accounts to the registered accounts of the respective users, or switching to the points of the affiliated companies, and paying the revenues to the user. 12. The method of claim 11,
The settlement unit may calculate reinvestment revenue of each of the users based on the reinvestment information of each of the users, deposit the remainder after deducting the reinvestment profit from the respective users' revenues to the settlement account, To the investment principal of each user. 11. The method of claim 10,
And the operating unit returns at least a part of the investment principal to the user in response to the user's principal return request. 11. The method of claim 10,
When the communication unit receives an investment request for a point of a second user, which is accumulated by a non-affiliated company,
Wherein the point management unit is responsive to the investment request to determine whether a predetermined investment requirement is satisfied and to deposit the investment requested point in the merged point account if the investment requirement is satisfied,
Wherein the investment requirement comprises a condition for at least one of a point type and an investment limit. 11. The method of claim 10,
And the operating unit funds the deposited integration point to generate the investment principal. 17. The method of claim 16,
The operation unit requests the affiliate to pay the fund corresponding to at least a part of the integration points and generates the investment principal by receiving the funds from the affiliate company in a predetermined operational account in response to the request , Device.

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