KR20200041295A - Method for managing points - Google Patents

Abstract

According to one embodiment of the present invention, a method for managing points is disclosed. The operations stored in a computer program for processing the method include an operation of receiving user information from at least one of an affiliated store server and a user terminal, an operation of receiving payment information and point commission limit from the affiliated store server, an operation of receiving entire point information including at least one of point information, an amount of points held for each point information, and a point commission rate for each point information based on the user information from each of the one or more point servers, an operation of calculating an amount of used points for each payment point information, which is at least part of the entire point information, based on the commission fee limit, and an operation of transmitting a payment request based on the amount of used points for each payment point information to each of the one or more point servers.

Description

Point management method {METHOD FOR MANAGING POINTS}

The present invention relates to a point management method using a computing device, and more particularly, to a solution for managing points based on a point fee limit.

As customer promotions through the use and accumulation of points by operators have become active, the number of points subscriptions by customers has skyrocketed. The number of points held per customer is also increasing accordingly.

In order for customers to use points for each operator, management of individual points is required. There has been a situation in which management of individual points is neglected and the use of points is reduced as the types of points held by customers increase. Therefore, there is a demand for customers who want to use points and how to use points effectively within the limits acceptable to each operator.

Korean Registered Patent No. 10-1894084 discloses a method for operating member points.

The present disclosure has been devised in response to the background art described above, and aims to provide a point management method.

Disclosed is a computer program stored in a computer-readable storage medium in accordance with one embodiment of the present disclosure for realizing the above-described problems. The computer program, when executed on one or more processors of the computing device, performs the following operations for point management, the operations comprising: receiving user information from at least one of a merchant server and a user terminal; Receiving payment information and point fee limits from the merchant server; Receiving all point information including at least one of point information based on the user information, amount of points held for each point information, and point fee rate for each point information from each of one or more point servers; Calculating a use point amount for each payment point information, which is at least a part of the total point information, based on the point fee limit; And sending a payment request based on the amount of points used for each payment point information to each of the one or more point servers.

In an alternative embodiment of computer program operations to perform the following operations for point management, the point fee limit includes a total agreement limit of the point fee amount for use of points to be paid to points set by the merchant. can do.

In an alternative embodiment of computer program operations to perform the following operations for point management, the operation of calculating the amount of use points for each payment point information, which is at least a part of the total point information, based on the point fee limit, includes: Determining a priority of use of each of the point information based on at least one of a point fee rate for each point information and information of the point server for each point information; And the sum of the point fee amount for each of the payment point information that is at least a part of the total point information based on the usage priority is less than or equal to the point fee amount limit, and based on the usage priority, at least the total point information. It may include an operation of determining the amount of use points for each payment point information among the point information so that the sum of the amount of use points for each of the payment point information which is a part is equal to or less than the product value included in the payment information.

In an alternative embodiment of the computer program operations to perform the following operations for point management, the point fee amount may be a value obtained by multiplying at least a portion of the amount of points held for each point information by the point fee rate for each point information. The amount of points used may be at least part of the amount of points held based on the amount of the point fee for each point information.

In an alternative embodiment of computer program operations to perform the following operations for point management, the operation of calculating the amount of use points for each payment point information, which is at least a part of the total point information, based on the point fee limit, includes: Determining a priority of use of each point information based on a point fee rate for each point information for each point information; Determining a point fee amount for each point information and calculating a total sum of point fee amounts for each point information based on the amount of points and the point fee rate for each of the point information; Determining that all of the point information is usable point information when the sum of the point fee amounts for each of the point information is less than or equal to the point fee limit; And when the sum of the point fee amounts for each of the point information exceeds the point fee amount limit, determining at least some of the point information as usable point information.

In an alternative embodiment of computer program operations to perform the following operations for point management, if the sum of the point fee amount for each of the point information exceeds the point fee amount limit, at least some of the point information The operation of determining the available point information may include subtracting at least a portion of the point fee amount for the point information having a low priority among the priority of use of each of the point information by subtracting the total amount of the point fee amount from the sum of the point fee amount. It may include the operation of adjusting to be below the limit of the point fee.

In an alternative embodiment of computer program operations to perform the following operations for point management, calculating the sum of the amount of use points for each of the available point information; Determining the available point information as the payment point information when the sum of the amount of used points for each of the available point information is equal to or less than a product value included in the payment information; When the sum of the amount of points used for each of the available point information exceeds the product value, the method may further include determining at least some of the available point information as payment point information.

In an alternative embodiment of the computer program operations to perform the following operations for point management, the operation of determining at least a portion of the available point information as payment point information, among the use priority of each of the available point information It may include an operation of subtracting at least a portion of the amount of used points for available point information of low priority from the total of the used points to adjust the sum of the used points to be less than or equal to the product value.

In an alternative embodiment of computer program operations to perform the following operations for point management, transmitting an amount of points based on the payment point information to at least one of the user terminal and the affiliate server; Receiving usage approval for at least a portion of the amount of points based on the payment point information from at least one of the user terminal and the affiliate server; And calculating an amount of use points for each payment point information by adjusting the amount of points based on the payment point information based on the usage approval and the usage priority.

In an alternative embodiment of computer program operations to perform the following operations for point management, the operation of receiving at least one of a priority use condition and a disable condition for at least some of the entire point information from the user terminal is further performed. The operation of calculating the amount of points used for each payment point information, which is at least a part of the total point information, based on the limit of the point fee amount, may exclude the point information corresponding to the unavailable conditions from the payment point information action; The point information corresponding to the preferential use condition may be determined as a priority of use of a priority, rather than the use priority of each of the remaining point information excluding point information corresponding to the preferential use condition among the entire point information; And point information excluding point information for at least one of point information corresponding to the unavailable condition and point information corresponding to the preferential usage condition among the entire point information, based on the point fee rate for each point information. And determining the priority of use of each piece of information.

In an alternative embodiment of the computer program operations to perform the following operations for point management, the operation of receiving point information usage rights based on other user information from a user terminal; And it may further include the operation of receiving a point fee rate for each point information based on the other user information and the amount of points for each point information based on the other user information from each of the one or more point servers.

In an alternative embodiment of computer program operations to perform the following operations for point management, the method may further include receiving alternative payment point information from a user terminal, and based on the point fee limit, the point information The operation of calculating the amount of use points for each payment point information may include determining the replacement payment point information as a usage priority.

In an alternative embodiment of computer program operations to perform the following operations for point management, identifying at least one of the restriction conditions for point information included in at least one of the point information and the payment information; And it may further include the operation of excluding the point information identified on the basis of the restriction condition from the payment point information among the total point information.

In an alternative embodiment of computer program operations to perform the following operations for point management, if one of the one or more point servers is the same server as the affiliate server, receiving from the same point server as the affiliate server One point information may further include an operation to exclude from the payment point information.

In an alternative embodiment of computer program operations to perform the following operations for point management, receiving restriction information for one of the one or more point servers from the affiliate server; And excluding the point information received from the point server identified based on the restriction information from the payment point information.

In an alternative embodiment of the computer program operations to perform the following operations for point management, receiving the total amount of points summed by the amount of each user's holding points from one of the one or more point servers; Receiving deposit information for a point company based on the one point server from a bank server; And determining whether to exclude point information received from the one point server from payment point information based on the total point amount, the deposit information, and a predetermined deposit ratio.

In an alternative embodiment of computer program operations to perform the following operations for point management, comprising at least one of user information restrictions, merchant information restrictions and purchase information restrictions from at least one point server of the one or more point servers. Receiving promotional point information; And comparing at least one of the limit included in the promotion point information with the user information, the merchant information, and purchase information, and when payment is completed, the promotion point information is added to the user information based on the comparison. Matching and storing; And determining the promotion point information as the highest priority among usage priorities based on the comparison.

In an alternative embodiment of computer program operations to perform the following operations for point management, calculating payment necessity information obtained by subtracting the amount of use points for each payment point information from a product value included in the payment information; Transmitting at least a portion of payment available information matched with the user information and stored based on the payment required information to the affiliate server; Calculating financial server payment required information by subtracting at least some of the payment available information transmitted from the payment required information to the merchant server; And transmitting the financial server payment required information to at least one financial server among the one or more financial servers.

Disclosed is a point management method according to another embodiment of the present disclosure. The method includes receiving user information, payment information, and point fee limit from the affiliate server; Receiving total point information including at least one of point information, a number of points for each point information, and a point fee rate for each point information based on the user information from each of one or more point servers; Calculating a use point amount for each payment point information, which is at least a part of the total point information, based on the point fee limit; And transmitting a payment request based on the amount of points used for each payment point information to each of the one or more point servers.

A computing device is disclosed in accordance with another embodiment of the present disclosure. The computing device includes a processor including one or more cores; And memory; Including, the processor receives user information, payment information, and point fee limit from the affiliated server, based on the user information from each of the one or more point servers point information, the amount of points held by each point information and the point information Receives the total point information including at least one of the point fee rate, and calculates the amount of points used for each payment point information, which is at least a part of the total point information, based on the point fee amount limit, and to each of the one or more point servers A payment request based on the amount of points used for each payment point information may be transmitted.

The present disclosure can provide a point management method.

1 is a block diagram of a computing device performing an operation for point management according to an embodiment of the present disclosure.
2 is a diagram illustrating a system for point management according to an embodiment of the present disclosure.
3 is a block diagram of a point management server performing an operation for point management according to another embodiment of the present disclosure.
4 is a diagram illustrating a point management method based on a point fee amount limit according to an embodiment of the present disclosure.
5 is a flowchart of a point management method according to an embodiment of the present disclosure.
6 is a block diagram illustrating logic for implementing a point management method according to an embodiment of the present disclosure.
7 is a block diagram illustrating a module for implementing a point management method according to an embodiment of the present disclosure.
8 is a block diagram illustrating a circuit for implementing a point management method according to an embodiment of the present disclosure.
9 is a block diagram illustrating a means for implementing a point management method according to an embodiment of the present disclosure.
10 is a block diagram of a computing device according to an embodiment of the present disclosure.

Various embodiments are now described with reference to the drawings. In this specification, various descriptions are presented to provide an understanding of the present disclosure. However, it is apparent that these embodiments can be practiced without these specific details.

As used herein, the terms “component”, “module”, “system” and the like refer to computer-related entities, hardware, firmware, software, combinations of software and hardware, or execution of software. For example, a component can be, but is not limited to, a process executed on a processor, a processor, an object, a thread of execution, a program, and / or a computer. For example, both the application and the computing device running on the computing device can be components. One or more components can reside within a processor and / or thread of execution. One component can be localized in one computer. One component can be distributed between two or more computers. In addition, these components can execute from various computer readable media having various data structures stored therein. Components are, for example, signals having one or more data packets (e.g., data and / or signals from one component interacting with other components in a local system, distributed system, etc.) through other systems and networks such as the Internet. (Transmitted data) may be communicated through local and / or remote processes.

In addition, the term “or” is intended to mean an inclusive “or” rather than an exclusive “or”. That is, unless specified otherwise or unclear in context, "X uses A or B" is intended to mean one of the natural inclusive substitutions. That is, X uses A; X uses B; Or, if X uses both A and B, "X uses A or B" can be applied in either of these cases. It should also be understood that the term “and / or” as used herein refers to and includes all possible combinations of one or more of the listed related items.

In addition, the terms “comprises” and / or “comprising” should be understood as meaning that the corresponding feature and / or component is present. It should be understood, however, that the terms “comprises” and / or “comprising” do not exclude the presence or addition of one or more other features, elements, and / or groups thereof. In addition, unless otherwise specified or contextually unclear as indicating a singular form, the singular in the specification and claims should generally be construed to mean "one or more."

Those skilled in the art further include various example logical blocks, configurations, modules, circuits, means, logics, and algorithm steps described in connection with the embodiments disclosed herein, electronic hardware, computer software, or a combination of both. It should be recognized that it can be implemented as To clearly illustrate the interchangeability of hardware and software, various illustrative components, blocks, configurations, means, logics, modules, circuits, and steps have been described above generally in terms of their functionality. Whether such functionality is implemented in hardware or as software depends on the specific application and design limitations imposed on the overall system. Skilled technicians can implement the functionality described in various ways for each particular application. However, such implementation decisions should not be interpreted as causing a departure from the scope of the present disclosure.

Descriptions of the presented embodiments are provided so that those skilled in the art of the present disclosure may use or practice the present invention. Various modifications to these embodiments will be apparent to those skilled in the art of the present disclosure. The general principles defined herein can be applied to other embodiments without departing from the scope of the present disclosure. Thus, the present invention is not limited to the embodiments presented herein. The invention should be interpreted in its broadest scope consistent with the principles and novel features presented herein.

In one embodiment of the present disclosure, the server may include other configurations for performing the server environment of the server. The server can include any type of device. The server is a digital device, and may be a digital device equipped with a computing power equipped with a processor and having a memory such as a laptop computer, a notebook computer, a desktop computer, a web pad, and a mobile phone. The server may be a web server that processes services. The above-mentioned types of servers are only examples, and the present disclosure is not limited thereto.

1 is a block diagram of a computing device performing an operation for point management according to an embodiment of the present disclosure.

The configuration of the point management server 100 shown in FIG. 1 is a simplified example. In one embodiment of the present disclosure, the point management server 100 may include other configurations for performing the computing environment of the point management server 100.

The point management server 100 may include a network unit 110, a processor 120, and a memory 130. The computing device of the present disclosure may include a point management server of the point management platform.

The point according to the embodiment of the present disclosure may be a payment means having a value of cashability exchanged at a certain rate. For example, if a customer has 1000 points, when the customer purchases the goods, 1000 points may be used as 1000 won in cash, or exchanged at a different rate and used as 100 won in cash. Points may include points based on point information and alternative payment points. A detailed method for payment based on the alternative payment point will be described later. For example, points based on point information, points accumulated at a certain rate based on the purchase of an object (for example, 450 points corresponding to 10% when paying coffee for 4500 won at a coffee shop), point server In the case of purchasing points or specific goods stored in the user information based on the promotion (for example, 1000 points that can be used on the day of the birthday to users who are birthdays or 500,000 points that give birth to employees who gave birth) Points that can be used only for the good (for example, 80,000 points that can be used only when purchasing newly released earphones), points related to gifticons (for example, a user purchased from a convenience store, a point store based on a point server) It may be 1200 points for purchasing banana milk, which is a specific product of Point company. The issuing point of the point and the person who uses the point can be distinguished. For example, the issuing agent of the point may be an affiliated store server or a point server according to an embodiment of the present disclosure, and the subject of using the point may be a user of a user terminal according to an embodiment of the present disclosure. In transferring the point information from the point management server 100 to the merchant server, the point information may be transmitted through the network unit 110 so that the merchant server is recognized as part of the payment method. Points may be refunded to each user based on user information according to the setting of the point management server 100. For example, in the case of points that are forcibly disabled in the country, or in the case of bankruptcy of a point company based on the point server that is the issuing point of points, cash may be refunded to each user. The specific description of the above-mentioned points is only an example, and the present disclosure is not limited thereto.

The network unit 110 may transmit and receive data, etc. for performing a point management method according to an embodiment of the present disclosure to other computing devices, servers, and the like. The network unit 110 may transmit / receive data necessary for an embodiment of the present disclosure, such as user information, payment information, point fee amount limit information, and point information, to other computing devices, servers, and the like. For example, the network unit 110 may receive at least one of user information, payment information, and point fee limit from the affiliate server. In addition, for example, the network unit 110 receives all point information including at least one of point information, the amount of points held for each point information, and the point fee rate for each point information based on the user information from each of the one or more point servers. can do. Also, for example, the network unit 110 may receive alternative payment point information from a user terminal. The network unit 110 may enable communication between a plurality of computing devices so that the calculation of the amount of points used for each payment point information is distributed based on the point fee amount limit in each of the plurality of computing devices.

The processor 120 may be composed of one or more cores, a central processing unit (CPU) of a computing device, a general purpose graphics processing unit (GPGPU), and tensor processing (TPU) unit). The processor 120 may read a computer program stored in the memory 130 to perform a point management method according to an embodiment of the present disclosure. According to an embodiment of the present disclosure, the processor 120 may perform calculation for point management.

At least one of the CPU, GPGPU, and TPU of the processor 120 may process the amount of points used for each payment point information for point management. For example, the CPU and GPGPU can process the amount of points used for each payment point information for point management, determine the priority of use of each point information, and calculate the total sum of point fees. In addition, in one embodiment of the present disclosure, a processor of a plurality of computing devices may be used together to process restriction conditions for point information for point management, calculation for alternative payment points, and use of points based on other user information. . Further, the computer program executed in the computing device according to an embodiment of the present disclosure may be a CPU, GPGPU, or TPU executable program.

Hereinafter, an operation of receiving data from an affiliated store server according to an embodiment of the present disclosure will be described.

The processor 120 may receive user information, payment information, and point fee limits from the affiliate server through the network unit 110.

The affiliate store server may refer to a server of a business that can use points received from a point company's point server through the point management according to a user's setting conditions. For example, the merchant server may be a restaurant, department store, movie theater, or government office where users want to use the point. Each of the merchant servers can be identified based on the merchant information. For example, the merchant information may include codes, names, and the like that can be identified based on each merchant. The above description of the merchant server is merely an example, and the present disclosure is not limited thereto.

User information may mean information that is the basis of point identification.

User information according to an embodiment of the present disclosure may include information that can distinguish a user who wants to use a point from other users. User information may include different information for each merchant server. For example, the user information may include a name, date of birth, age, mobile phone number, address, ID, password, nickname, messenger ID, and the like. The detailed description of the user information described above is merely an example, and the present disclosure is not limited thereto.

User information according to another embodiment of the present disclosure may mean an identifier for distinguishing points. For example, the user information may include a coupon number, member number, earning number, and serial number for purchasing a specific product. For example, the user information that is the member number of the customer A may be shared by all the family members of the customer A to use points through the user information. For example, the point management server receives the user information including the serial number of the plum discount coupon that the customer B purchases orange from the mart and received, and corresponds to the point information and the amount of points that are retained based on the serial number of the plum discount coupon. You can also receive it from the mart's server. For example, the point management server may receive the serial number of the cultural voucher purchased offline from the user terminal as user information, and the point management server may receive point information and points from the cultural voucher server based on the serial number of the cultural voucher. You may also receive a commission rate. The above description of the user information is only an example, and the present disclosure is not limited thereto.

The payment information may include information about the amount of money that the user can pay with a certain percentage of points instead of paying cash. Payment information according to an embodiment of the present disclosure may include information about the goods that the user wants to purchase at the merchant. Payment information according to another embodiment of the present disclosure may include information to be paid to the merchant. Payment information may include product name and product value information for the goods that the user wants to purchase at the merchant. Payment information may fluctuate depending on the goods that the user intends to purchase. The payment information may include information on items to be paid by the user at the merchant.

Payment information may include product value information. In another embodiment, the payment information may be product value information minus a point payment amount by at least one of an affiliate point and an affiliate point itself. The processor 120 may determine the amount of use points for each payment point information so that the sum of the amount of use points for each payment point information is equal to or less than the product value included in the payment information. In one embodiment, if there is no affiliate point or affiliate affiliate point, the price of the product sold by the affiliate may be the product value included in the payment information. In another embodiment, if at least one of the merchant's own points and the affiliate's affiliate points is to be used at the affiliate store, the price of the product minus the point amount paid by at least one of the affiliate's own points and the affiliate affiliate points is the It may be the product value included in the payment information. For example, if Merchant A sells a product worth 10,000 won to User B, there is no affiliate A's own point and affiliate A affiliate point, or affiliate A's own point server and affiliate A affiliate When the point server does not have a holding point amount for user B, the product value may be 10,000 won. In this example, the product value information included in the payment information received by the processor 120 through the network unit 110 may be 10,000 won. For another example, when selling a product worth 10,000 won at the merchant A to the user B, if the own point of the merchant A is used at 2,000 won, the product value may be 8,000 won. In this example, the product value information included in the payment information received by the processor 120 through the network unit 110 may be 8,000 won. In another embodiment, the payment information may be information about a payment amount to which a promotion is applied in product price information. The promotion may include discount information regarding the product price set by the merchant server. The promotion may be to reduce the product value itself, not to exchange points having a cash value at a certain rate, unlike the merchant's own points or affiliated points. For example, when a product 10% discount promotion is determined for customers who purchase a newly launched smartphone at the merchant A, the processor 120 is 140 from the merchant server, the list price of the newly launched smartphone through the network unit 110 It is possible to receive payment information corresponding to 1.26 million won with a 10% discount promotion from 10,000 won. In another embodiment, the payment information may be a payment amount by subtracting a point paid by at least one of a merchant's own point and a merchant's affiliate point from a product value, and applying a promotion. The product price information included in the payment information may vary at each payment. The detailed description of the above-mentioned payment information is only an example, and the present disclosure is not limited thereto.

According to another embodiment of the present disclosure, payment information may include information on items to be paid by a user at an affiliated store, excluding goods and services. An affiliate store according to another embodiment of the present disclosure may be an institution that performs management of a facility or article, not a place for selling goods or services. The affiliated store according to this embodiment may be a government office, a bank, or the like. Payment information may include payment details according to the bill. For example, when the user pays the management fee, the affiliate store may be the management office of the apartment, and the payment information may be an amount based on the management fee. For example, when a user pays a fine for illegal parking of a vehicle, the affiliate store may be a police station, and the payment information may be an amount based on a penalty notice for illegal parking of the vehicle. For example, if the user pays the comprehensive real estate tax, the merchant may be the National Tax Service, and the payment information may be the amount based on the comprehensive real estate tax payment notice. The detailed description of the above-mentioned payment information is only an example, and the present disclosure is not limited thereto.

According to another embodiment, payment information may include merchant information. The affiliate store information may include information for distinguishing one affiliate store from another affiliate store. The affiliate store information may be information related to the affiliate store identified based on the affiliate store server that transmits payment information.

The point fee amount limit may include a total agreement limit of the point fee amount for use of points to be paid to points set by the merchant.

In one embodiment of the present disclosure, the point fee amount limit may include a point fee amount for a product value that is a product value multiplied by a fee rate for the product value set by the merchant. For example, if the commission rate for a product value equivalent to 10,000 won in a merchant A is 10%, the limit of the point commission amount, which is the total agreement limit of the point commission amount that the merchant can pay to the point company, is (10,000 won) x (10%) phosphorus, may be 1,000 won. For example, the commission rate for the product value may vary depending on the product, the user, or the payment case at the merchant. The above description of the point fee limit is only an example, and the present disclosure is not limited thereto.

In another embodiment of the present disclosure, if the payment information is the price of the product minus the point amount paid by at least one of the merchant's own point and the affiliate's affiliate point, the point fee limit is the point fee for the product value The amount may be a value obtained by subtracting at least one of the affiliate point fee fee and the affiliate point fee fee. The affiliated point may be a point stored in a point server of a point company that has a direct contract with an affiliated store. The point server based on the affiliated point may be the same as one or more point servers connected to the point management server. The point server based on the affiliated point may not be the same as one or more point servers connected to the point management server. The affiliate point fee amount may be a value obtained by multiplying the amount of points held for each affiliate point information and the point fee rate for each affiliate point information. For example, if the merchant A has a direct contract with the company B for the use of the company B, the company's point information may be affiliated point information. For example, if the amount of points held for user C stored in the point server of company B is 2000 won and the point commission rate of company b is 2%, the affiliate point commission amount may be 40 won. In this embodiment, when the point fee amount for the product value is 1,000 won, the limit of the point fee amount can be 960 won, which is (1,000 won (point fee amount for the product price))-(40 won (affiliated point fee amount)). have. The merchant points may be points for each user stored in the merchant server. The merchant point may be a user-specific point stored in the memory of the merchant server. The merchant point fee amount may not have a fee depending on the merchant. The merchant point fee amount may be a value multiplied by the amount of points for each user stored in the merchant and the point commission rate. In this embodiment, if the amount of points held for the C user stored in the merchant server is 1000 won, and the point commission rate determined by the merchant server is 10%, the affiliate point commission amount may be 100 won. In this embodiment, when the point fee amount for the product value is 1,000 won, the limit of the point fee amount can be 900 won, which is (1,000 won (point fee amount for the product price))-(100 won (point fee for the merchant)). have. For another example, when user D spends both affiliate points and affiliate points, the point fee limit is (1,000 won (point fee for product value))-(40 won (participation point fee))-(100 It can be 860 won, which is won (the amount of merchant point fees). The above description of the point fee limit is only an example, and the present disclosure is not limited thereto.

In another embodiment of the present disclosure, when the payment information is information about a payment amount to which a promotion is applied from a product value, the point fee amount limit may be a value of the point fee for the product value minus a promotion-based fee amount have. The fee amount based on the promotion may mean deducting at least a portion of the point fee amount for the product value as the discount information is applied to the product price, based on the discount information regarding the product price set by the merchant server. . For example, a 10% discount promotion of a product is determined by a customer who purchases a newly launched smartphone at a merchant A, and the payment information is 10% discounted from the product value (in this example, 1.4 million won). 1.26 million won). In this example, the fee limit is based on the predetermined ratio (50% in this example, 50%) set by the user who applied the promotion at the merchant A. Point fee amount (in this example, the product value is 1.4 million won) 10% (140,000 points) may be the amount of the commission-based commission amount (in this example, 40,000 points minus 50%, 70,000 points). The above description of the point fee limit is only an example, and the present disclosure is not limited thereto.

In another embodiment of the present disclosure, if the payment information is a product value, deducting a point that is paid by at least one of a merchant's own point and a merchant's affiliate point, and the promotion is a payment amount, the point fee limit is It may be a limit of the commission amount minus the promotion-based commission amount minus at least one of the affiliate point commission fee and the affiliate point commission fee for the product value.

Hereinafter, an operation of receiving data from one or more point servers will be described.

The processor 120 may transmit information for requesting information on point information, point amount, and point fee rate based on the user information to each of the one or more point servers through the network unit 110 based on the user information.

The processor 120 may receive information about point information based on user information, point amount for each point information, and point fee rate for each point information through the network unit 110 from each of the one or more point servers. The point information may include information for identifying a point operating on the point server from other points. The point information may be information for distinguishing a point operated by one point server from a point operated by another point server. The point information may be information for distinguishing one point from another point among one or more points operated by one point server. The point information may include the name of a point held in the point server. The amount of retained points for each point information may mean the amount of retained points matching user information and point information stored in the point server. The point fee rate for each point information may refer to a fee rate set by the point company, which must be delivered to the point company.

For example, the processor 120 is a B point of the user A (that is, point information), a retention point for the B point of the user A, based on the user information for the user A through the network unit 110 from the point server. It is possible to receive 1000 points (ie, the amount of points held for each point information) and 5% (ie, a point fee rate for each point information), which is a point fee rate for user A's B points. The description of the point information, the amount of points held, and the point fee rate received from the aforementioned point server is only an example, and the present disclosure is not limited thereto.

Hereinafter, an operation of calculating the amount of used points based on data received from the affiliated server and the point server will be described.

The processor 120 may calculate the amount of points used for each payment point information, which is at least a part of the total point information, based on the point fee amount limit.

The processor 120 may determine the usage priority of each of the point information based on at least one of the point fee rate for each point information and the information of the point server for each of the point information. The point fee rate for each point information may mean a fee rate to be delivered to the point company set by the point company. The information of the point server may include information on a scale for determining the priority of use by identifying the point server with other point servers. It may include at least one of evaluation information on the point company identified based on the point server and information on the use point amount of the point information identified based on the point server. The processor 120 may determine that the lower the commission rate of the point commission rate for each point information, the higher the priority of use. The processor 120 may determine that the higher the evaluation information for the point company among the information of the point server, the higher the priority of use. The processor 120 may determine that the higher the use point amount of the point information identified based on the point server among the information of the point server, the higher the use priority. The processor 120 may determine the usage priority by weighting the point fee rate and the information of the point server. The weight may be a value that can be determined by the point management server. The processor 120 may determine the usage priority based on the total sum of the two values after multiplying each weight value for each of the point fee rate and the information of the point server.

For example, when the processor 120 determines the priority of use of each point information based on the point fee rate for each point information, the point fee rate for the point information a received from the point server A is 3%, and from the point server B When the point fee rate for the received point information b is 15%, and the point fee rate for the point information c received from the point server C is 10%, the processor 120 uses the point information having the lowest fee rate with high priority. It is determined that the use priority can be determined as point information a, point information c, and point information b. For another example, when the processor 120 determines the usage priority of each of the point information based on the information of the point server, the point usage based on the point information a of the point server A is 10,000 points, and the point server B When the point usage based on the point information b is 3,000 points and the point usage based on the point information c of the point server C is 17,000 points, the processor 120 uses the point information identified based on the point server among the information of the point server. It is determined that the higher the amount of points, the higher the priority of use, and the priority of use may be determined as point information c, point information a, and point information b.

The processor 120 may determine that the sum of the point fee amount for each of the payment point information that is at least a part of the total point information is less than or equal to the point fee amount limit based on the priority of use. The point fee amount may be a value obtained by multiplying at least a portion of the amount of points held for each point information by the point fee rate for each point information. The processor 120 may determine that the sum of the amount of use points for each of the payment point information, which is at least a part of the total point information, is equal to or less than the product value included in the payment information based on the usage priority. The amount of points used may be at least a portion of the amount of points held based on the amount of the point fee for each point information. The processor 120 may determine the amount of use points for each payment point information among the point information, so that the total sum of the point fee amount is less than or equal to the point fee amount limit, and the total amount of the use point amount is less than or equal to the product value included in the payment information. .

The processor 120 may determine the use priority of each point information based on the point fee rate for each point information for each point information. The processor 120 may determine the point fee amount of each point information based on the amount of points held and the point fee rate for each point information. The point fee amount may be an amount obtained by multiplying the amount of points held and the point fee rate for each point information. The processor 120 may calculate the sum of the point fee amount of each point information. The sum of the point fee amount may be the sum of the point fee amount of each point information. The processor 120 may determine all of the point information as usable point information when the sum of the point fee amounts for each point information is less than or equal to the point fee limit. The available point information may include point information such that the sum of the point fee amount among the point information is equal to or less than the point fee amount limit. The processor 120 may determine at least some of the point information as usable point information when the sum of the point fee amounts for each point information exceeds the point fee limit. The operation of the processor 120 to determine at least a portion of the point information as usable point information is based on the sum of the point fee amount and at least a portion of the point fee amount for the point information with the lower priority among the use priority of each of the point information. It may be an operation of subtracting and adjusting the sum of the point fee amount to be less than or equal to the point fee amount limit.

An example of an operation for determining available point information will be described. For example, the processor 120 may receive user information for user A and product price information included in payment information from the affiliate server through the network unit 110, and the point fee limit of 1,000 won. For example, the processor 120 may receive the point information a from the point server A through the network unit 110, the amount of points held 2,000, the point fee rate 3%, the point information b from the point server B, the amount of points held 15,000, the point fee rate 5 % And point information c, point amount 6,000, and point fee rate 10% can be received from point server C. For example, the processor 120 may determine the priority of the point information as a, b, or c based on the point fee rate for each point information. For example, the processor 120 may determine the point fee amount of each point information as 60 won for a point, 750 won for b, and 600 won for c for each point information by multiplying the amount of points and the point fee rate for each point information. For example, the processor 120 may calculate a total of 1410 won of the point fee amount by adding the point fee amount of each point information. For example, the processor 120 may determine that the sum of the calculated point fee amount is 1410 won, which exceeds the limit of the point fee amount of 1,000 won. For example, the processor 120 subtracts at least a portion of the point fee amount for the point information c of which the priority of use is low among the point information from the sum of the point fee amount, so that the sum of the point fee amount for the available point information is the point fee. It can be adjusted to be below the liquid limit. For example, the processor 120 may adjust the point fee amount for point information c to be 410 won or less by subtracting the point fee amount 410 won for the point information c so that the total point fee amount for the available point information is less than or equal to the point fee limit of 1,000 won. have. For example, the processor 120 may determine the point fee amount of 60 won for point information a, the point fee amount of 750 won for point information b, and the point fee amount of 190 won for point information c as available point information. . The description of the operation of determining the available point information described above is merely an example, and the present disclosure is not limited thereto.

In another embodiment, the processor 120 may determine the usage priority of each point information based on the point fee rate for each point information for each point information. The processor 120 may calculate the sum of point information having a high use priority based on the use priority so that the sum of the point fee amount is equal to or less than the point fee amount limit. The processor 120 may determine point information of the point fee amount constituting the total point fee amount determined based on the priority of use as available point information.

Another example of an operation for determining available point information will be described. In the above-described example, when the use priority of the point information is a, b, c, the processor 120 receives a point fee amount of 60 won for point information a, a point fee amount of 750 won for point information b, and point information c It can be calculated to add up to the point fee amount of 190 won for the point fee amount limit (1,000 won in this example). For example, the processor 120 may determine available point information as part of point information a, point information b, and point information c. The description of the operation of determining the available point information described above is merely an example, and the present disclosure is not limited thereto.

The processor 120 may calculate a use point amount for each of the available point information. The processor 120 may calculate the sum of the amount of use points by summing each of the use point amounts. The processor 120 may compare the sum of the amount of use points for each available point information and the product value. The processor 120 may determine available point information as payment point information when the sum of the amount of used points for each of the available point information is equal to or less than the product value included in the payment information. The payment point information may include point information such that the sum of the point fee amount among the point information is equal to or less than the point fee amount limit, and the sum of the amount of points used is equal to or less than the product value. The processor 120 may determine at least some of the available point information as payment point information when the sum of the amount of used points for each of the available point information exceeds the product value. The operation of determining at least some of the available point information in the processor 120 as payment point information uses at least a part of the amount of used points for available point information having a lower priority among use priority of each of the available point information. It may be an operation of subtracting from the total amount of points to adjust the total amount of points used to be equal to or less than the product value.

An example of an operation for determining payment point information will be described. In the above example, the processor 120 determines the available point information as the point fee amount of 60 won for the point information a, the point fee amount of 750 won for the point information b, and the point fee amount of 190 won for the point information c. Based on this, the processor 120 may determine payment point information. The processor 120 may calculate a use point for each available point information. For example, the processor 120 calculates the amount of used points for each of the available point information, and the amount of used points for the point information a is 2,000 won (60 [circle] x (100/3) in this example), The amount of used points for the point information b is 15,000 won (750 [won] x (100/5) in this example), and the amount of used points for the point information c is 1,900 won (in this example, 190 [won] x (100 / 10)). For example, the processor 120 may calculate a total of 18,900 won, which is the total amount of used points by summing the amount of used points for each of the available point information. For example, the processor 120 may determine that the total amount of points used is 18,900 won, which exceeds the product value of 10,000 won. For example, the processor 120 may use at least a portion of the amount of used points for available point information (subtracting in the order of point information c, b, a) from the total of used points amount (total of used points amount) In this example, it can be adjusted to be subtracted from 18,900 won (subtracted from 8,900 won in this example) so that the total amount of points used is less than or equal to the product value (10,000 won in this example). For example, the processor 120 uses a point amount of 1,900 won for the point information c and a point amount of 7,000 won for the point information b, which is at least a portion of the used point amount for the available point information having a low priority. It can be deducted from the total amount of 18,900 won. For example, the processor 120 may determine a part of the point information a and the point information b as payment point information. The description of the operation of determining the payment point information described above is only an example, and the present disclosure is not limited thereto.

In another embodiment, the processor 120 may calculate the sum of point information having a high use priority based on the use priority so that the sum of the use points amount is less than or equal to the product value limit. The processor 120 may determine point information of the amount of use points constituting the sum of the amount of use points determined based on the priority of use as payment point information.

Another example of the operation for determining payment point information will be described. In the above-described example, when the use priority of the point information is a, b, c, the processor 120 uses 2,000 amount of points for the point information a. The amount of used points for the original and point information b is added to 8,000 won, so that it can be calculated to be less than or equal to the product value (10,000 won in this example). For example, the processor 120 may determine payment point information as part of point information a and point information b. The description of the operation of determining the available point information described above is merely an example, and the present disclosure is not limited thereto.

The processor 120 may transmit the amount of points based on payment point information through the network unit 110 to at least one of a user terminal and an affiliate store server. The processor 120 may receive usage approval for at least a portion of the amount of points based on payment point information from at least one of a user terminal and a merchant server through the network unit 110. When the received usage approval is all of the point amount based on the payment point information, the processor 120 may determine the point amount based on the payment point information as the use point amount. The processor 120 adjusts the amount of points based on the payment point information based on the usage approval and usage priority when the received usage authorization is a part of the amount of points based on the payment point information, and determines the amount of use points for each payment point information. Can be calculated. The processor 120 subtracts at least a portion of the point amount for the point information having a low priority from the point amount based on the payment point information, so that the amount of use points for each payment point information is less than or equal to the amount of points included in the received use authorization. I can adjust it. In the above example, the processor 120 may determine the amount of used points for point information a 2,000 won and the amount of used points for point information b 8,000 won as a point amount based on payment point information. For example, the processor 120 may transmit a usage point amount of 2,000 won for point information a and a usage point amount of 8,000 won for point information b to the user terminal. For example, the processor 120 may receive a usage approval for 6,000 won of the amount of points based on payment point information from the user terminal. For example, the processor 120 subtracts 4,000 won, which is a part of the 8,000 won point amount for the low priority point information b based on the approval of use, from the point amount (in this example, 10,000 won) based on the payment point information. , It can be adjusted to be below the above approved use. For example, the processor 120 may determine the amount of used points for point information a 2,000 won and the amount of used points for point information b 4,000 won as the amount of used points for each payment point information. The description of the calculation of the amount of use points for each payment point information based on the above-mentioned usage approval is only an example, and the present disclosure is not limited thereto.

The processor 120 may transmit a payment request based on the amount of points used for each payment point information to each of the one or more point servers through the network unit 110. The processor 120 may receive an amount of money excluding the point fee amount from the amount of points used for each payment point information from each of the one or more point servers through the network unit 110. The processor 120 may transmit an amount excluding the point fee amount from the amount of points used for each payment point information to the affiliate server through the network unit 110.

Hereinafter, a point operation operation based on a priority use condition and a non-use condition for the point information received from the user terminal will be described.

The processor 120 may receive at least one of a priority use condition and a non-use condition for at least a portion of the entire point information from the user terminal through the network unit 110. The preferential use condition may refer to a condition for preferentially using the corresponding point information over other point information. The unusable condition may mean a condition for excluding points corresponding to the condition from among point information from use. The processor 120 prioritizes the use priority of each of the point information based on at least one of the point fee rate for each point information and the information of the point server, for the point information based on the priority use condition, prioritizes the priority in the use priority It can be given to the corresponding point information. The processor 120 prior to determining the usage priority of each of the point information based on at least one of the point fee rate for each point information and the point server information for the point information based on the unavailable condition, the point information in the use priority Can be excluded. The processor 120 may exclude point information corresponding to an unavailable condition from the payment point information. The processor 120 may determine the point information corresponding to the priority use condition to be the priority of the use of the priority of each remaining point information excluding the point information corresponding to the priority use condition among all point information. The processor 120 points information based on a point fee rate for each point information for each point information excluding point information for at least one of point information corresponding to an unavailable condition and point information corresponding to a preferential usage condition among all point information. Each usage priority can be determined.

For example, the point commission rate for the point information a received from the point server A by the processor 120 through the network unit 110 is 3%, the point commission rate for the point information b received from the point server B is 15%, The point fee rate for point information c received from point server C is 10%, the point fee rate for point information d received from point server D is 8%, and the preferential use conditions of point information c from the user terminal and point information of a When receiving the unavailable condition, the processor 120 may determine the use priority for the point information as point information c, d, b. The description of the operation of determining the priority based on the conditions received from the user terminal described above is only an example, and the present disclosure is not limited thereto.

In the following description, contents used by a plurality of users sharing points will be described.

The processor 120 may receive permission to use point information based on other user information from the user terminal through the network unit 110. The right to use point information based on other user information may refer to authentication information that may include point information based on other user information as payment point information together with its own point information. When the processor 120 receives user information from the affiliate server through the network unit 110 and transmits it to one or more point servers, the processor 120 may transmit other user information together with the user information to one or more point servers. The processor 120 may receive point information based on user information and other user information from each of the one or more point servers through the network unit 110, the amount of points held for each point information, and the point fee rate for each point information. For example, user information and a unique code for each user may be matched and stored in the memory 130, and the unique code may be transmitted only to a user terminal that is matched through the network unit 110. For example, when the processor 120 receives information about the other user B and the unique code for the user B from the terminal of the user A through the network unit 110, the information of the user A in the memory 130 and User B's information can be matched and stored so that User A can use User B's retention points. When receiving the information of the user A from the affiliated store through the network unit 110, the processor 120 may transmit both the information of the user A and the information of the user B to one or more point servers, and the user A from the one or more point servers It is possible to receive the full point information for and the full point information for user B. The above-mentioned disclosure of the use of point sharing is merely an example, and the present disclosure is not limited thereto.

In another embodiment, the processor 120 may receive shared point request information for using point information based on other user information from a user terminal through the network unit 110. The processor 120 may transmit the user information based on the user terminal and whether the share point request is approved through the network unit 110 to another user terminal identified based on the shared point request information. When receiving the sharing point request approval information from the other user terminal through the network unit 110, the processor 120 may match and store the user information and the other user information in the memory 130. The processor 120 receives all point information including at least one of point information based on the other user information, the amount of points held for each point information, and a point fee rate for each point information from each of the one or more point servers through the network unit 110. I can receive it. For example, when the processor 120 receives the sharing point request information based on the information of the user B from the user A terminal through the network unit 110, the user B terminal accepts the information of the user A and the sharing point request Information can be transmitted. For example, when the processor 120 receives the sharing point request approval information from the terminal of the user B through the network unit 110, the processor 120 is the information of the user A and the user B of the memory 130 Information can be matched and stored. When receiving the information of the user A from the affiliated store through the network unit 110, the processor 120 may transmit both the information of the user A and the information of the user B to one or more point servers, and the user A from the one or more point servers It is possible to receive the full point information for and the full point information for user B. The above-mentioned disclosure of the use of point sharing is merely an example, and the present disclosure is not limited thereto.

Hereinafter, a point payment method using alternative payment point information will be described.

The processor 120 may receive alternative payment point information from the user terminal through the network unit 110. The alternative payment point information may include points other than points based on the point information among points for paying the product value. The alternative payment point information may mean a point that should be preferentially used than a point based on the point information. For example, alternative payment point information may include gift certificates, gifticons, discount coupons, advance deposits, and the like. Before the processor 120 receives the user information from the affiliate server through the network unit 110, the alternative payment point information may not be stored in the memory 130. After the processor 120 receives the user information from the affiliate server through the network unit 110, alternative payment point information may be stored in the memory 130. The processor 120 may transmit the user information and the alternative payment point to the alternative payment means server identified based on the alternative payment point information through the network unit 110. The processor 120 may receive at least one of a point fee rate and a point fee amount for the alternative payment means from the alternative payment means server through the network unit 110. The processor 120 may determine the alternative payment point information as the highest priority among usage priorities. The processor 120 may determine the alternative payment point information as the highest priority among the usage priorities prior to the usage priority determined based on at least one of the point fee rate for each point information and the information of the point server. For example, the processor 120 may receive the voucher payment means information (in this example, information about a voucher full of vouchers) that is alternative payment point information from the user terminal of the user A through the network unit 110. The processor 120 may transmit user information A and gift certificate payment means information to the gift certificate server identified based on the gift certificate payment means information through the network unit 110. The processor 120 receives a point fee rate (in this example, 30%) and a point fee amount (in this example, 10,000 [won] x 30 [%) for the gift certificate payment method information from the gift certificate server through the network unit 110. ] = 3,000 won). The processor 120 may set the gift voucher payment method information as a usage priority. The processor 120 may determine the gift voucher payment method information from the use priority to the highest priority even when the point fee rate for other point information is less than 30%. The above description of the alternative payment point information is only an example, and the present disclosure is not limited thereto.

According to another embodiment, the processor 120 may receive information for purchasing alternative payment point information from a user terminal through the network unit 110. The information for purchasing the alternative payment point information may include information for purchasing the alternative payment point through the alternative payment point sales server based on the point information received from one or more point servers. For example, the processor 120 may purchase information (ie, alternative payment points) from a user terminal to purchase a gift certificate of 100,000 won sold by a department store gift certificate sales server (that is, an alternative payment point sales server) through the network unit 110. Information). The processor 120 may obtain point information corresponding to the value of the alternative payment point information through the network unit 110 for the purchase of the alternative payment point information through point information based on user information received from each of the one or more point servers. It is possible to transmit to the alternative payment point sales server and receive alternative payment point information from the alternative payment point sales server. For example, the processor 120, in order to purchase a gift certificate of 100,000 won, point information based on the user information received from the A server to the department store gift certificate sale server (that is, the alternative payment point sale server) through the network unit 110 Among them, 100,000 points may be transmitted, and information on a gift certificate of 100,000 won (ie, alternative payment point information) may be received from a department store gift certificate sales server (ie, an alternative payment point sales server). The specific description of the above alternative payment point information is only an example, and the present disclosure is not limited thereto.

Hereinafter, a point payment method according to a point restriction condition will be described.

The processor 120 may identify at least one of restriction conditions for point information included in at least one of the point information and the payment information. The limiting conditions may include conditions for using points. The limiting condition may include at least one of a condition regarding a point of use of the point and a condition regarding a degree of use of the point. The conditions related to the point of use may include the conditions for the subject and the item on which the point is used. The conditions related to the point of use may include conditions for the country, industry, type of store, store, business, product, etc. where the point can be used. Conditions related to the degree of use of points may include conditions that limit the use of at least a portion of the points. Constraints can be expressed based on the code for identification. The processor 120 may assign identification codes to one or more merchant servers, respectively, and may respectively assign identification codes to one or more merchant servers. The merchant information may be an identification code assigned to the merchant server. When at least one of the merchant server and the point server subscribes to the point management server, the processor 120 may assign identification codes to each merchant server and the point server and store them in the memory 130. The processor 120 identifies constraints based on codes for each country, business, type of store, type of store, operator, and type of point stored in the memory 130, and satisfies the constraints You can judge whether or not. The processor 120 may exclude the point information from payment point information when at least one of the limit conditions included in the point information and the limit conditions included in the payment information is not satisfied. In one embodiment, the processor 120 may identify a restriction condition for point information included in the payment information. The processor 120 may perform the calculation of the amount of points used for each payment point information only for the point information that satisfies the restriction condition for the point information included in the payment information. The processor 120 may exclude points that do not satisfy the limit condition for the point information included in the payment information from the calculation of the amount of points used for each payment point information or from the payment point information.

For example, the restriction condition may include a setting code. For example, the first digit of the restriction setting code may be a country, the second digit is an industry, the third digit is a store type, the fourth digit is a store, the fifth digit is an object, and the sixth digit is the degree of use of points. For example, the country-specific setting code may be Korea 1, Japan 2, the United States 3, etc., the industry-specific setting code may be distribution 1, catering business 2, etc., and the store type may be cafe 1, restaurant 2, etc., and the store is A It can be coffee shop 1, B coffee shop 2, etc., things can be americano 1, latte 2, etc., the degree of use of points can be 100% points 1, only 50% of points can be used 2 lights, and set code If is 0, there may be no condition. For example, it may be determined whether to include or exclude according to the sign indicated in the digit of the setting code. For example, in the case of (+), points can be used only when the corresponding code is satisfied, and in the case of (-), points can be used only when the corresponding code is not satisfied. For example, if you accumulate points to customers who buy Americano as a promotion for affiliates on the A point server for free, limit the limit to 0,0, + 1,0, + 1 for point information of the free points. Can be set. For example, the processor 120 identifies the constraints 0,0, + 1,0, + 1 included in the point information, and information included in the payment information (in this example, when buying shaved ice in a cafe) and You can check whether it matches. For example, the processor 120 does not match the restriction information included in the point information with the information included in the payment information and the merchant information identified based on the merchant server, the point information is excluded from the payment point information can do. For example, if the points earned at other chicken stores at the merchant selling the chicken are not available at the merchant, the limit included in the payment information may be 0,0,0,0, -4. The description of the above-mentioned limiting conditions is only an example, and the present disclosure is not limited thereto.

According to an embodiment of the present disclosure, a limit condition may be included in the point information received from each of the one or more point servers. The restriction condition included in the point information received from the A point server may be set to 0 for the country provided range. The restriction condition included in the point information received from the B point server may be set to +3 (a restriction condition available only in the United States in this example) to the country provided range. When the processor 120 receives user information and payment information from a Korean hotel server, the country restriction code assigned to the server server of the Korean hotel server is 1, so the point information received from the A point server is included in the calculation. However, since the point information received from the B point server can be used only in the United States, the B point information received from the B point server can be excluded from the payment point information.

The point management server 100 may be managed for each country. The point management server 100 may transmit and receive data with point servers of a corresponding country. The point management server 100 of each station can transmit / receive data related to the point. The point management server 100 of one country does not transmit / receive data with point servers of another country, but the point management server of another country receives all data from the point servers of the country, and the point management server of another country Data can be transmitted and received. For example, a Korean point management server may not transmit or receive data to and from individual US point servers. For example, the point management server in the United States and the point management server in Korea, which hold information about individual point servers in the United States, may transmit and receive data. The specific description of the above point management server is merely an example, and the present disclosure is not limited thereto.

According to another embodiment of the present disclosure, when the restriction condition included in the point information includes a code that only 50% of points are available, points corresponding to 50% of the point information in the payment point information cannot be used. You can also exclude.

According to another embodiment of the present disclosure, the point information received from the Gyeonggi-do welfare point server among the point servers may include a restriction condition that sets the range of providing points to Gyeonggi-do. The processor 120 compares the conditions of the merchant server with the limitation conditions of the point information, and when the merchant server includes a code condition corresponding to Seoul, the point information may be excluded from payment point information.

According to another embodiment of the present disclosure, the point information received by the processor 120 from the A tour point server, the B tour point server, and the C tour point server may include restriction conditions for the '(-) hotel'. . The Korean point management server 100 may store the point information in the memory 130 and transmit it to the Japanese point management server through the network unit 110. The point management server in Japan can provide the point information of the A tour point server, the B tour point server, and the C tour point server to the affiliate server except the hotel affiliate server in Japan.

The detailed description of the above-mentioned point limitation conditions is only an example, and the present disclosure is not limited thereto.

Hereinafter, a method for preventing double use when using the own point of the merchant will be described.

When one point server among the one or more point servers is the same server as the affiliate store server, the processor 120 may exclude point information received from the same point server as the affiliate store server from payment point information. For example, if the merchant A has its own point a, the processor 120 may exclude point information received from the merchant server A if the point management server has point information received from the merchant server A. Can be. If there is an affiliate point that is accumulated and used by the affiliate store itself, the affiliate store point will be used by the affiliate store server. Problems can arise if information is included in operations on the point management server. Therefore, the point information received from the same point server as the affiliated store server is excluded from the payment point information to prevent double point operation.

Hereinafter, a method for preventing double use of the affiliated point will be described when there is an affiliated point directly affiliated with the affiliated server.

The processor 120 may receive restriction information for one point server among one or more point servers from the affiliate server through the network unit 110. The limit information for the point server may include information for excluding point information received from the point server for at least some of the one or more point servers from payment information. The limit information on the point server may include information on the affiliate point server communicating with the affiliate server. The processor 120 may exclude point information received from the point server identified based on the restriction information from payment point information. If there is an affiliate point directly affiliated with the affiliate store, the affiliate point will be used by the affiliate server, so even if the affiliate point server is connected to the point management server and operates as a point server, the points received from the point server Problems can arise if information is included in operations on the point management server. Accordingly, the point information received from the affiliated point server that directly transmits or receives point information with the affiliated store server is excluded from the payment point information, and double point operation can be prevented.

Hereinafter, a method of calculating points according to the deposit will be described.

The processor 120 may receive the total amount of points summed by the amount of points held by each user from one point server among one or more point servers through the network unit 110. The processor 120 may receive deposit information for a point company based on the one point server from the bank server through the network unit 110. The bank server may include a server that provides financial services capable of banking and deposit-related work. The deposit information for the point company may be information on the deposit amount of the point company matching the information of the point company in the memory of the bank server. The processor 120 may determine whether to exclude point information received from one point server from payment point information based on the total point amount, deposit information, and a predetermined deposit ratio.

For example, if the total reserves held by the point company is 10 million points, the actual amount deposited by the point company in the bank is 4 million won, and if the deposit ratio determined by the point management server 100 is 30%, from the point server of the point company The received point information may be included in the calculation of the amount of points used for each payment point information. For example, if the total reserves held by the point company is 10 million points, the actual amount deposited in the bank by the point company is 2 million won, and if the deposit ratio determined by the point management server 100 is 30%, it is received from the point server of the point company One point information may be excluded from the calculation of the amount of points used for each payment point information, or may be excluded from payment point information. The description of the point calculation based on the above-described deposit is only an example, and the present disclosure is not limited thereto.

Hereinafter, a method of calculating a promotion point will be described.

The processor 120 may receive promotion point information including at least one of user information limitation, merchant information limitation, and purchase product limitation from at least one point server among the one or more point servers through the network unit 110. The promotion point information may be information about points provided to the user based on a certain limit condition, not points stored based on user information among the points. The promotion point information may be points that can be used for the corresponding payment. The promotion point information may be a point that can be matched with user information and stored when the corresponding payment is completed. For example, promotional points received from a point server of a cider manufacturer, when purchasing 3 bundles of ciders (i.e., limiting purchase information) at E-Mart (i.e., limited merchant information), provide 1000 points for the payment. It may include points related to. For example, the promotional points received from the jacket manufacturer's point server can be used by Starbucks when purchasing more than 300,000 won of the jacket manufacturer's jacket at a department store (i.e., limited merchant information). It may include points for providing 5000 points. The above description of the promotion point is merely an example, and the present disclosure is not limited thereto.

The promotion point information may include one or more restriction conditions. The restriction condition may include a condition related to at least one of user information restriction, merchant information restriction, and purchase information restriction. Restricting user information may mean providing promotional point information only to a specific user or providing promotional point information only to other users except a specific user. For example, the promotional point information may include a user information restriction that provides promotional point information only to users in their 20s. Restricting merchant information may mean providing promotional point information only to a predetermined affiliated store among affiliated stores identified based on the affiliated server or to a franchisee other than a predetermined affiliated store. For example, the promotion point information may include affiliate information limit information determined to be available only in the Shinsegae Department Store. Restricting purchased products may mean providing promotional point information only when users pay for a specific product. For example, the promotion point information may include a purchase product limit determined to provide points when purchasing a newly launched smartphone.

The processor 120 may compare the limit included in the promotion point information with at least one of the user information, the merchant server, and purchased products. According to an embodiment of the present disclosure, the processor 120 satisfies the restriction condition included in the promotion point information, receives payment completion information from the affiliate server through the network unit 110, and when payment is completed, the promotion Point information may be matched to user information and stored in the memory 130. Promotion point information stored in the memory 130 may be transmitted to another point server. In the above example, the promotion point is a point for providing 5000 points available in Starbucks when purchasing more than 300,000 won of jacket of the jacket manufacturer from the department store (i.e., limited merchant information) When the information indicating that payment is completed is received from the department store server, promotional point information related to 5000 Starbucks points may be matched to user information and stored in the memory 130. The processor 120 may transmit information on 5000 points matched and stored in the user information in the memory 130 through the network unit 110 to the Starbucks point server so that the Starbucks point server can manage the information. The processor 120 may determine the promotion point information as the highest priority among usage priorities when the restriction condition included in the promotion point information is satisfied. The processor 120 may set the promotion point information as a priority order of priority over other point information to enable use of the promotion point. The processor 120 may transmit information on whether to use promotional point information through the network unit 110 to at least one of a user terminal and an affiliate store server. When the processor 120 receives information that the promotion point information is used from at least one of the user terminal and the affiliate server through the network unit 110, the processor 130 stores the promotion point information by matching the user information in the memory 130, or Promotion point information may be determined as the highest priority among usage priorities. The above description of the promotion point is merely an example, and the present disclosure is not limited thereto.

For example, the processor 120 may receive promotional point information from a Fendi server among one or more point servers through the network unit 110. Promotion point information received from the Fendi server may include merchant information limitations (in this example, points are provided only when purchasing at the Galleria Department Store) and purchase product restrictions (in this example, points are provided only when purchasing a pica bag). have. The promotion point information may include information that the point information can be used only for a corresponding payment for purchasing a pica bag from the Galleria. Alternatively, the promotion point information may include information that Starbucks points are accumulated to users who purchase pica bag at Galleria. This promotion point information may not be a point stored in the point server Fendi server based on the user information. When the point management server receives the promotion point information from the Fendi server through the network unit 110, the processor 120 determines whether the restriction condition is satisfied. When the processor 120 receives the purchase product information regarding the purchase of Picabubag from the Galleria Merchant Server through the network unit 110, it may be determined that the promotional point information satisfies the restriction condition for the corresponding payment. When the promotion point information includes information that the point information can be used only for the corresponding payment for purchasing a pica book from the Galleria, the processor 120 may determine the promotion point information as the highest priority among the use priority. If the promotion point information includes information that Starbucks points are accumulated to the user who purchases a pica bag at Galleria, and the network unit 110 receives payment completion information from the Galleria server, it is determined that the payment is completed, The processor 120 may store promotional point information related to Starbucks points by matching the user information in the memory 130 based on the user information. The processor 120 may transmit the promotion point information stored in the memory 130 to the Starbucks point server through the network unit 110. The specific description of the aforementioned promotion point is only an example, and the present disclosure is not limited thereto.

According to an embodiment of the present disclosure, promotion point information and point information may be distinguished. The processor 120 may determine only the promotional point information as payment point information or only the point information as payment point information according to selection of promotional point information or point information received from the affiliate server. The processor 120 may determine both promotion point information and point information as payment point information. The processor 120 calculates, based on the setting information of the point fee amount limit received from the affiliate server, the limit for at least a portion of the point fee amount limit based on the promotional point information, and the remaining portion of the point fee amount limit. The limit can be calculated based on point information. For example, according to the setting information received from the affiliate server, 600 of the 1000 points commission limit is calculated based on promotional point information, and the remaining 400 of 1000 points commission limit is calculated based on point information. You may. When the sum of the amount of payment point fees calculated based on the promotion point information is less than the point fee amount limit, the processor 120 pays the limit of the point fee amount minus the amount of payment point fee amount based on the point information. Information can also be recalculated. When the sum of the amount of payment point fees calculated based on the point information is less than the point fee amount limit, the processor 120 sets the limit of the point fee amount minus the amount of payment point fee amount based on the promotional point information. Information can also be recalculated. For example, according to the setting information received from the affiliate server, 600 of the point fee limit of 1000 won is calculated based on the promotion point information. If the sum of the payment point fee amount of the promotion point information is 250 won, 600 won is calculated. 350 won, which is the remaining amount of money minus 250 won, can be calculated based on the point information, so the limit of the total amount of fees corresponding to 750 won may be calculated based on the point information. The detailed description of the above-mentioned point fee amount limit is only an example, and the present disclosure is not limited thereto.

Hereinafter, a method of paying an amount excluding the point information from the product value will be described.

The processor 120 may calculate payment necessity information obtained by subtracting the amount of points used for each payment point information from the product price included in the payment information. The payment required information may be information obtained by subtracting the amount of points used for each payment point information from the product value. Payment required information may be information related to an amount to be paid in cash, not points. For example, if the actual product value is 100,000 won and the amount of used points calculated based on the point information is 20,000 won, the payment required information may be 80,000 won. The detailed description of the above-mentioned payment required information is only an example, and the present disclosure is not limited thereto.

The processor 120 may transmit at least a part of the payment available information stored in matching with the user information based on the payment required information through the network unit 110 to the merchant server. The payment available information matched with the user information may mean an amount of money received by matching the user information in the point management server 100 by receiving cash from the financial server. For example, the point management server 100 may receive an authenticated amount through the user terminal through an authentication process with the user terminal based on user information from the Kookmin Bank server. For example, the point management server 100 may store and store payment information corresponding to the amount of 20,000 won received from the Kookmin Bank server by matching with user information. The processor 120 may transmit the amount of information corresponding to 50,000 won stored in the paymentable information among the amount of 80,000 won included in the payment required information to the affiliate server through the network unit 110. The processor 120 may receive use-on or use-off information for payment required information from the user terminal through the network unit 110. When the processor 120 receives the use-off information for the payment-required information from the user terminal, even if there is payment-required information stored in match with the user information in the memory 130, the payment information is based on the payment-required information At least some of them cannot be transferred to the merchant server. Only when the processor 120 receives the use-on information for the payment required information from the user terminal, it is possible to perform an operation of transmitting at least a portion of the payment available information to the affiliate server. The above description regarding paymentable information is only an example, and the present disclosure is not limited thereto. That is, according to this embodiment, the point management server itself sets the point management server pay, so that users can store the amount in the point management server pay and make payments through the point management server pay.

The processor 120 may calculate the financial server payment required information by subtracting at least a portion of the payment available information transmitted from the payment required information to the merchant server. The financial server payment required information may be an amount obtained by subtracting at least some of the payment available information transmitted to the affiliate server from the payment required information. The financial server payment necessity information may include information regarding the amount of money to be paid through the financial server. For example, the financial server payment required information may be 30,000 won, which is the amount of payment required information is 80,000 won, and the information stored in the payment available information is 50,000 won, minus 80,000 won to 50,000 won. The processor 120 may determine payment information for a financial server corresponding to 30,000 won.

The processor 120 may transmit the financial server payment required information to at least one financial server among one or more financial servers through the network unit 110. The financial server may be a server of an institution that manages user cash. The financial server may be a bank server and a platform server capable of storing cash. For example, the bank server may be a Kookmin Bank server, a Hana Bank server, or the like. For example, the platform server may be a Kakao Pay server, Naver Pay server, Samsung Pay, or the like. According to an embodiment of the present disclosure, the processor 120 may receive money information based on the financial server payment need information from the financial server. According to another embodiment of the present disclosure, the financial server may directly transmit the amount of money information based on the financial server payment required information to the affiliate server, without going through the point management server 100.

The processor 120 may receive on or off information for one or more financial servers from a user terminal. When the processor 120 receives off information for a specific financial server from a user terminal, the processor 120 may not transmit the amount of money information based on the payment required information to the financial server based on the off information.

The processor 120 may receive priority information from the user terminal to one or more financial servers. The processor 120 may transmit the amount of money information based on the payment need information preferentially to the financial server having a high priority based on the priority information. For example, if the priority information for the financial server is 1st Kakao Pay, 2nd Naver Pay, and 3rd National Card, the processor 120 transmits payment required information to the Kakao Pay financial server, and sends the Pay the amount based on the payment required information based on the stored amount, and if the amount stored in Kakao Pay is lower than the amount based on the payment required information, send the remaining payment required information to the next ranking of NAVER Pay Financial Server You can.

The detailed description related to the above-described financial server is only an example, and the present disclosure is not limited thereto.

An operation in the case of exceeding or less than the fee amount limit described according to an embodiment of the present disclosure may be interpreted as an operation in the case of exceeding or less than the fee amount limit, exceeding or less than the fee amount limit, or exceeding or less than the fee amount limit.

The operation when the product value is greater than or less than the product value described according to an embodiment of the present disclosure may be interpreted as an operation when the product value is greater than or less than, or the product value is greater than or less than, the product value is greater than or less.

The memory 130 may store a computer program for performing a point management method according to an embodiment of the present disclosure, and the stored computer program may be read and driven by the processor 120.

The memory 130 according to embodiments of the present disclosure may store a program for the operation of the processor 120 and input / output data (eg, user information, payment information, point fee limit, total Point information, etc.) may be temporarily or permanently stored. The memory 130 may store data related to a display and sound. The memory 130 is a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (for example, SD or XD memory, etc.), RAM (Random Access Memory, RAM), Static Random Access Memory (SRAM), Read-Only Memory (ROM), Electrically Erasable Programmable Read-Only Memory (EEPROM), Programmable Read-Only Memory (PROM), magnetic memory, magnetic It may include at least one type of storage medium among disks and optical disks.

2 is a diagram illustrating a system for point management according to an embodiment of the present disclosure.

The point management server 100 may transmit or receive data with the point server 200, the affiliate store server 300, and the user terminal 400.

The point management server 100 may calculate the amount of points used for each payment point information, which is at least a part of the total point information, based on the point fee limit. The point management server 100 may determine a usage priority of each of the point information based on at least one of a point fee rate for each point information and information of the point server for each of the point information. The point management server 100, the sum of the point fee amount for each of the payment point information that is at least a part of the total point information based on the use priority is less than or equal to the point fee amount limit, and based on the use priority By doing so, the amount of points used for each payment point information among the point information may be determined so that the sum of the amount of points used for each of the payment point information, which is at least a part of the total point information, is equal to or less than the product value included in the payment information.

The point management server 100 may determine, for each of the point information, a point fee amount for each point information based on the amount of the reserved points and the point fee rate, and calculate a total sum of the point fee amount for each point information. The point management server 100 may determine all of the point information as usable point information when the sum of the point fee amounts for each of the point information is less than or equal to the point fee limit. The point management server 100 may determine at least some of the point information as usable point information when the sum of the point fee amounts for each of the point information exceeds the point fee limit. The point management server 100 subtracts at least a portion of the point fee amount for the point information having a low priority among the priority of use of each of the point information by subtracting it from the sum of the point fee amount, so that the sum of the point fee amount is the point It can be adjusted to be below the fee limit.

The point management server 100 may calculate the sum of the amount of used points for each of the available point information. The point management server 100 may determine the available point information as the payment point information when the sum of the amount of used points for each of the available point information is equal to or less than the product value included in the payment information. The point management server 100 may determine at least a portion of the available point information as payment point information when the sum of the amount of used points for each of the available point information exceeds the product value. The point management server 100 subtracts at least a portion of the amount of used points for the available point information having a lower priority among the use priorities of each of the available point information by subtracting from the sum of the used point amounts to determine the amount of the used points. It can be adjusted so that the sum total is equal to or less than the product value.

The point server 200 may transmit the entire point information including at least one of the point information, the amount of points held for each point information, and the point fee rate for each point information based on the user information to the point management server 100.

The merchant server 300 may transmit user information, payment information, and point fee amount limit information to the point management server 100.

The user terminal 400 points to use authorization for at least a portion of the amount of points based on payment point information, priority use conditions and unavailable conditions for at least a portion of the total point information, and point information usage rights based on other user information. It can be transmitted to the management server 100.

3 is a block diagram of a point management server performing an operation for point management according to another embodiment of the present disclosure.

The user authentication unit 102 may check whether there is matching information among user information stored in the memory 130 based on the user information received from the merchant server.

The payment information and the entire point information detection unit 104 may store the user information, payment information, and point fee amount limit received from the merchant server in the memory 130. The payment information and the total point information detection unit 104 displays the total point information including at least one of point information based on the user information received from each of the one or more point servers, the amount of points held for each point information, and the point fee rate for each point information. It can be stored in the memory 130.

The point classifying unit 106 may classify and store the amount of points and the fee rate of points received from each of the one or more point servers based on the point information.

The usage point determination unit 108 for each payment point information may calculate the amount of usage points for each payment point information, which is at least a part of the total point information, based on the point fee limit. The usage point determination unit 108 for each payment point information may determine the usage priority of each of the point information based on at least one of the point fee rate for each point information and the information of the point server for each of the point information. The usage point determination unit 108 for each payment point information, the sum of the point fee amount for each of the payment point information, which is at least a part of the total point information, is less than or equal to the point fee amount limit, based on the usage priority, and the usage The amount of points used for each payment point information among the point information may be determined such that the sum of the amount of used points for each of the payment point information, which is at least a part of the total point information, is equal to or less than the product value included in the payment information based on the priority order. have.

The point payment unit 118 may transmit a payment request based on the amount of points used for each payment point information to each of the one or more point servers.

The setting control unit 112 may receive at least one of a priority use condition and a non-use condition for at least a portion of the entire point information from the user terminal. The setting control unit 112 may exclude point information corresponding to an unavailable condition from the payment point information. The setting control unit 112 may determine the point information corresponding to the priority use condition as the priority of use of the priority, rather than the use priority of each of the remaining point information excluding the point information corresponding to the priority use condition among the entire point information. . The setting control unit 112 may identify at least one of restriction conditions for point information included in at least one of the point information and the payment information. The setting control unit 112 may exclude the point information identified based on the restriction condition from the total point information from payment point information. The setting control unit 112 may exclude point information received from the same point server as the affiliated server from the payment point information when one of the one or more point servers is the same server as the affiliated server. When the setting control unit 112 receives the limit information for one of the one or more point servers from the affiliate server, the point information received from the point server identified based on the limit information is excluded from the payment point information. can do.

The point fee amount limit setting unit 114 may store the point fee amount limit received from the user terminal in the memory 130.

4 is a diagram illustrating a point management method based on a point fee amount limit according to an embodiment of the present disclosure.

The point management server 100 may calculate the sum 508 of the point fee amount based on the point fee amount limit 506 and the product value 514 received from the affiliate server. The point fee amount limit 506 may be a limit of the amount of point fees paid to the points set by the merchants for the goods. The product value 514 may be a payment price set for the product by the merchant. The total sum of point fees 508 may include the sum of point fee amounts to be paid to the established points based on the product value 514 and the point fee limit 506.

When the sum total of the point fee amount 508 is less than or equal to the point fee amount limit 506, the difference may be the remaining fee amount limit 510. The remaining fee amount limit 510 may be shared in one or more point information and allocated to use of points based on other point information. The one or more point information may include at least one of point information based on user information, promotional point information, alternative payment point information, and point information corresponding to preferential use conditions. For example, using only point information based on user information, payment point information is determined according to the point fee amount limit, and if there is a remaining fee amount limit 510, the remaining remaining fee amount limit using the promotional point information (510) ) May further determine payment point information. That is, based on one point information (in this example, point information based on user information), the sum 508 of the point fee amount is calculated, and if the remaining point fee amount limit 510 exists, other point information ( In this example, payment point information may be determined by additionally calculating the point fee amount limit based on the promotion point information). The point management server 100 may transmit information on the remaining fee amount limit 510 to the merchant server.

From the standpoint of the merchant, the product value 514 may be a value including other cost cost 504 and product cost 502. Accordingly, the merchant may set the point fee amount limit 506 to be less than or equal to the product value 514 minus the other cost cost 504 and product cost 502. The amount excluding the sum 508 of the point fee amount, the other cost cost 504 and the product cost 502 from the product value 514 may be the actual margin of the merchant.

5 is a flowchart of a point management method according to an embodiment of the present disclosure.

The point management server 100 may receive 602 user information, payment information, and point fee limits from the affiliate server. The user information may include information that can distinguish a user who wants to use points from other users. Payment information may include information about the goods that the user wants to purchase at the merchant. Payment information may include product name and product value information for the goods that the user wants to purchase at the merchant. The point fee amount limit may include a total agreement limit of the point fee amount for use of points to be paid to points set by the merchant.

The point management server 100 may receive all point information including at least one of point information based on the user information, the amount of points held for each point information, and a point fee rate for each point information from each of the one or more point servers. The point information may include information for identifying a point operating on the point server from other points. The amount of retained points for each point information may mean the amount of retained points matching user information and point information stored in the point server. The point fee rate for each point information may mean a fee rate to be delivered to the point company set by the point company.

The point management server 100 may determine 604 the priority of use of each of the point information based on at least one of the point fee rate for each point information and the information of the point server for each of the point information. The point management server 100 may determine that the lower the commission rate of the point commission rate for each point information, the higher the priority of use.

The point management server 100 may calculate 606 the sum of the point fee amount for each payment point information that is at least a part of the total point information based on the priority of use. The point fee amount may be a value obtained by multiplying at least a portion of the amount of points held for each point information by the point fee rate for each point information.

The point management server 100 may determine (608) whether the sum of point fee amounts is equal to or less than the point fee amount limit.

The point management server 100 may determine (614) all of the point information as usable point information when the sum of the point fee amounts is less than or equal to the point fee amount limit. The available point information may include point information such that the sum of the point fee amount among the point information is equal to or less than the point fee amount limit.

The point management server 100, when the sum of the point fee amount is less than or equal to the limit of the point fee amount, the point fee amount of at least a portion of the point fee amount for the point information having a lower priority among the priority of use of each of the point information Subtracted from the sum, the sum of the point fee amount may be adjusted (610) to be equal to or less than the point fee amount limit. The point management server 100 may determine 612 at least some of the point information as usable point information.

The point management server 100 may calculate 616 the sum of the amount of used points for each of the available point information.

The point management server 100 may determine whether the sum of the amount of points used is equal to or less than the product value (618).

The point management server 100 may determine (624) the available point information as the payment point information when the sum of the amount of used points for each of the available point information is equal to or less than the product value included in the payment information. .

The point management server 100, when the sum of the amount of used points for each of the available point information exceeds the product value, use the available point information with a lower priority among the use priority of each of the available point information At least a portion of the amount of points may be subtracted from the sum of the amount of points used to adjust 620 such that the sum of the points of use is equal to or less than the product value. The point management server 100 may determine 622 at least some of the available point information as payment point information.

The point management server 100 may transmit 626 a payment request based on the amount of points used for each payment point information to each of the one or more point servers.

6 is a block diagram illustrating logic for implementing a point management method according to an embodiment of the present disclosure.

The point management method according to an embodiment of the present disclosure may be implemented by the following logic.

In accordance with an embodiment of the present disclosure, a point management method includes logic 701 for receiving user information from at least one of a merchant server and a user terminal; Logic 702 for receiving payment information and point fee limit from the merchant server; Logic (704) for receiving all point information including at least one of point information, a point amount of points for each point information, and a point fee rate for each point information based on the user information from each of one or more point servers; A logic 706 for calculating the amount of use points for each payment point information that is at least a part of the total point information based on the point fee amount limit; And a logic 708 for transmitting a payment request based on the amount of points used for each payment point information to each of the one or more point servers.

In an alternative embodiment of the point management method, the logic 706 for calculating the amount of points used for each payment point information, which is at least a part of the total point information, based on the point fee amount limit, includes the points for each of the point information. Logic for determining a use priority of each of the point information based on at least one of a point fee rate for each information and information of the point server; And the sum of the point fee amount for each of the payment point information, which is at least a part of the whole point information, based on the usage priority, is less than or equal to the point fee amount limit, and based on the usage priority, at least the whole point information. It may be implemented by logic for determining the amount of use points for each payment point information among the point information so that the sum of the amount of use points for each of the payment point information that is a part is equal to or less than the product value included in the payment information.

In an alternative embodiment of the point management method, the logic 706 for calculating the amount of points used for each payment point information, which is at least a part of the total point information, based on the point fee amount limit, includes the points for each of the point information. Logic for determining the priority of use of each of the point information based on the point fee rate for each information; Logic for determining the point fee amount of each point information and calculating the sum of the point fee amount of each point information based on the amount of points and the point fee rate for each of the point information; Logic for determining all of the point information as usable point information when the sum of the point fee amounts for each of the point information is less than or equal to the point fee amount limit; And when the sum of the point fee amounts for each of the point information exceeds the point fee amount limit, it may be implemented by logic for determining at least some of the point information as usable point information.

In an alternative embodiment of the point management method, when the sum of the point fee amount for each of the point information exceeds the point fee amount limit, logic for determining at least a portion of the point information as usable point information, Adjusting such that the sum of the point fee amount is less than or equal to the limit of the point fee amount by subtracting at least a portion of the point fee amount for the point information having a low priority among the priority of use of each of the point information. It can also be implemented by logic.

In an alternative embodiment of the point management method, the method further includes logic for calculating the sum of the amount of used points for each of the available point information; Logic for determining the available point information as the payment point information when the sum of the amount of used points for each of the available point information is equal to or less than a product value included in the payment information; When the sum of the amount of used points for each of the available point information exceeds the product value, it may be implemented by logic for determining at least some of the available point information as payment point information.

In an alternative embodiment of the point management method, the logic for determining at least some of the available point information as payment point information may include, for available point information having a lower priority among usage priorities of each of the available point information. It may be implemented by logic for adjusting at least a portion of the amount of use points by subtracting the sum of the use point amounts so that the sum of the use point amounts is equal to or less than the product value.

In an alternative embodiment of the point management method, the method further includes logic for transmitting an amount of points based on the payment point information to at least one of a user terminal and the affiliate server; Logic for receiving usage approval for at least a portion of the amount of points based on the payment point information from at least one of the user terminal and the affiliate server; And adjusting the amount of points based on the payment point information based on the usage approval and the usage priority based on the usage approval, to be implemented by logic for calculating the amount of use points for each payment point information.

In an alternative embodiment of the point management method, the method may be additionally implemented by logic for receiving at least one of a priority use condition and a non-use condition for at least a portion of the entire point information from the user terminal, and the Logic 706 for calculating the amount of points used for each payment point information, which is at least a part of the total point information, based on the limit of the point fee amount, logic for excluding point information corresponding to the unavailable condition from the payment point information ; The point information corresponding to the preferential use condition includes logic for determining a priority of use of a priority than the use priority of each of the remaining point information excluding point information corresponding to the preferential use condition among the entire point information; And point information excluding point information for at least one of point information corresponding to the unavailable condition and point information corresponding to the preferential usage condition among the entire point information, based on the point fee rate for each point information. It may be implemented by logic for determining the priority of use of each piece of information.

In an alternative embodiment of the point management method, the method further comprises: logic for receiving point information usage rights based on other user information from the user terminal; And it may be implemented by logic for receiving the point fee rate for each point information based on the other user information and the amount of points for each point information based on the other user information from each of the one or more point servers.

In an alternative embodiment of the point management method, the method may be additionally implemented by logic for receiving an alternative payment point from the user terminal, and is used for each payment point information among the point information based on the point fee limit. Logic 706 for calculating the amount of points, the alternative payment point may be implemented by logic to determine the usage priority.

In an alternative embodiment of the point management method, the method further includes logic for identifying at least one of the constraints for point information included in at least one of the point information and the payment information; And logic for excluding point information identified based on the restriction condition from the total point information from payment point information.

In an alternative embodiment of the point management method, the method additionally, if one of the one or more point servers is the same server as the affiliate server, the point information received from the same point server as the affiliate server is the payment point. It may be implemented by logic to exclude information.

In an alternative embodiment of the point management method, the method further includes logic for receiving restriction information for one of the one or more point servers from the affiliate server; And point information received from the point server identified based on the restriction information may be implemented by logic to exclude the payment point information.

In an alternative embodiment of the point management method, the method further comprises receiving promotional point information including at least one of user information restriction, merchant information restriction and purchase information restriction from at least one point server of the one or more point servers. Logic; And logic for comparing at least one of the limit included in the promotion point information and the user information, the affiliate server, and purchase information, and when payment is completed, the promotion point information is the user information based on the comparison. Logic for matching and storing; And logic for determining the promotion point information as the highest priority among usage priorities based on the comparison.

In an alternative embodiment of the point management method, the method further includes logic for calculating payment necessity information obtained by subtracting the use point amount for each payment point information from the product value included in the payment information; Logic for transmitting at least a part of the payment enable information stored in matching with the user information based on the payment need information to the affiliate server; Logic for calculating financial server payment required information by subtracting at least a portion of the payment available information transmitted from the payment required information to the merchant server; And it may be implemented by logic for transmitting the financial server payment required information to at least one financial server of the one or more financial servers.

In an alternative embodiment of the point management method, the method further includes logic for receiving the total amount of points summed by the amount of each user's holding points from one of the one or more point servers; Logic for receiving deposit information for a point company based on the one point server from a bank server; And logic for determining whether to exclude point information received from the one point server from payment point information based on the total point amount, the deposit information, and a predetermined deposit ratio.

7 is a block diagram illustrating a module for implementing a point management method according to an embodiment of the present disclosure.

According to an embodiment of the present disclosure, a point management method may be implemented by the following modules.

According to an embodiment of the present disclosure, a point management method includes: a module 801 for receiving user information from at least one of a merchant server and a user terminal; A module 802 for receiving payment information and point fee limit from the affiliate server; A module 804 for receiving all point information including at least one of point information, the amount of points held for each point information, and the point fee rate for each point information based on the user information from each of one or more point servers; A module 806 for calculating the amount of points used for each payment point information that is at least a part of the total point information based on the point fee limit; And a module 808 for transmitting a payment request based on the use point amount for each payment point information to each of the one or more point servers.

In an alternative embodiment of the point management method, a module 806 for calculating the amount of points used for each payment point information that is at least a part of the total point information based on the point fee amount limit, the point for each of the point information A module for determining a usage priority of each of the point information based on at least one of a point fee rate for each information and information of the point server; And the sum of the point fee amount for each of the payment point information, which is at least a part of the whole point information, based on the usage priority, is less than or equal to the point fee amount limit, and based on the usage priority, at least the whole point information. It may be implemented by a module for determining the amount of use points for each payment point information among the point information so that the sum of the amount of use points for each piece of payment point information is equal to or less than the product value included in the payment information.

In an alternative embodiment of the point management method, a module 806 for calculating the amount of points used for each payment point information that is at least a part of the total point information based on the point fee amount limit, the point for each of the point information A module for determining a use priority of each of the point information based on a point fee rate for each information; A module for determining the point fee amount of each point information and calculating the sum of the point fee amount of each point information based on the amount of points and the point fee rate for each of the point information; A module for determining all of the point information as usable point information when the sum of the point fee amounts for each of the point information is less than or equal to the point fee limit; And a module for determining at least some of the point information as usable point information when the sum of the point fee amounts for each of the point information exceeds the point fee limit.

In an alternative embodiment of the point management method, when the sum of the point fee amount for each of the point information exceeds the point fee amount limit, the module for determining at least some of the point information as usable point information, Adjusting such that the sum of the point fee amount is less than or equal to the limit of the point fee amount by subtracting at least a portion of the point fee amount for the point information having a low priority among the priority of use of each of the point information. It may be implemented by a module for.

In an alternative embodiment of the point management method, the method further includes a module for calculating the sum of the amount of used points for each of the available point information; A module for determining the available point information as the payment point information when the sum of the amount of used points for each of the available point information is equal to or less than a product value included in the payment information; When the sum of the amount of used points for each of the available point information exceeds the product value, it may be implemented by a module for determining at least some of the available point information as payment point information.

In an alternative embodiment of the point management method, the module for determining at least some of the available point information as payment point information includes: for available point information having a lower priority among the use priority of each of the available point information. It may be implemented by a module for subtracting at least a portion of the use point amount from the sum of the use point amount to adjust the sum of the use point amount to be equal to or less than the product value.

In an alternative embodiment of the point management method, the method further includes: a module for transmitting the amount of points based on the payment point information to at least one of a user terminal and the affiliate server; A module for receiving approval to use at least a portion of the amount of points based on the payment point information from at least one of the user terminal and the affiliate server; And a module for calculating the amount of use points for each payment point information by adjusting the amount of points based on the payment point information based on the usage approval and the usage priority based on the usage approval.

In an alternative embodiment of the point management method, the method may be additionally implemented by a module for receiving at least one of a priority use condition and a non-use condition for at least some of the entire point information from a user terminal, and the The module 806 for calculating the amount of points used for each payment point information, which is at least a part of the total point information, based on the point fee amount limit, is a module for excluding point information corresponding to the unusable condition from the payment point information ; The point information corresponding to the preferential use condition is a module for determining a priority of use of a priority of each of the remaining point information excluding the point information corresponding to the preferential use condition among the entire point information; And point information excluding point information for at least one of point information corresponding to the unavailable condition and point information corresponding to the preferential usage condition among the entire point information, based on the point fee rate for each point information. It may be implemented by a module for determining the priority of use of each piece of information.

In an alternative embodiment of the point management method, the method further includes: a module for receiving a point information usage right based on other user information from the user terminal; And it may be implemented by a module for receiving a point fee rate for each point information based on the other user information and the amount of points for each point information based on the other user information from each of the one or more point servers.

In an alternative embodiment of the point management method, the method may be additionally implemented by a module for receiving an alternative payment point from a user terminal, and is used for each payment point information among the point information based on the point fee limit. The module 806 for calculating the amount of points may be implemented by a module for determining the alternative payment point as a usage priority.

In an alternative embodiment of the point management method, the method further includes: a module for identifying at least one of constraint conditions for point information included in at least one of the point information and the payment information; And a module for excluding point information identified based on the restriction condition from the total point information from payment point information.

In an alternative embodiment of the point management method, the method additionally, if one of the one or more point servers is the same server as the affiliate server, the point information received from the same point server as the affiliate server is the payment point. It may be implemented by a module for excluding information.

In an alternative embodiment of the point management method, the method further includes a module for receiving limit information for one point server of the one or more point servers from the affiliate server; And the point information received from the point server identified on the basis of the restriction information may be implemented by a module for excluding from the payment point information.

In an alternative embodiment of the point management method, the method further includes a module for receiving limit information for one point server of the one or more point servers from the affiliate server; And the point information received from the point server identified on the basis of the restriction information may be implemented by a module for excluding from the payment point information.

In an alternative embodiment of the point management method, the method further comprises receiving promotional point information including at least one of user information restriction, merchant information restriction and purchase information restriction from at least one point server of the one or more point servers. module; Further comprising a module for comparing at least one of the limit included in the promotion point information and the user information, the merchant server and purchase information, and when payment is completed, the promotion point information is the user information based on the comparison Module for matching and storing; And a module for determining the promotion point information as the highest priority among usage priorities based on the comparison.

In an alternative embodiment of the point management method, the method further includes a module for calculating payment required information by subtracting the amount of points used for each payment point information from a product value included in the payment information; A module for transmitting at least a part of the payment available information matched with the user information and stored based on the payment required information to the affiliate server; A module for calculating financial server payment required information by subtracting at least a portion of the payment available information transmitted from the payment required information to the merchant server; And it may be implemented by a module for transmitting the financial server payment required information to at least one financial server of the one or more financial servers.

In an alternative embodiment of the point management method, the method further includes: a module for receiving the total point amount of each user's retained point amount from one of the one or more point servers; A module for receiving deposit information for a point company based on the one point server from a bank server; And a module for determining whether to exclude point information received from the one point server from payment point information based on the total point amount, the deposit information, and a predetermined deposit ratio.

8 is a block diagram illustrating a circuit for implementing a point management method according to an embodiment of the present disclosure.

According to an embodiment of the present disclosure, a point management method may be implemented by the following circuit.

According to an embodiment of the present disclosure, a point management method includes: a circuit 901 for receiving user information from at least one of a merchant server and a user terminal; A circuit 902 for receiving payment information and point fee limit from the merchant server; A circuit 904 for receiving all of the point information including at least one of point information, a number of points for each point information, and a point fee rate for each point information based on the user information from each of the one or more point servers; A circuit 906 for calculating a use point amount for each payment point information that is at least a part of the total point information based on the point fee amount limit; And a circuit 908 for transmitting a payment request based on the use point amount for each payment point information to each of the one or more point servers.

In an alternative embodiment of the point management method, the circuit 906 for calculating the amount of points used for each payment point information, which is at least a part of the total point information, based on the point fee amount limit, includes the points for each of the point information. A circuit for determining a usage priority of each of the point information based on at least one of a point fee rate for each information and information of the point server; And the sum of the point fee amount for each of the payment point information, which is at least a part of the whole point information, based on the usage priority, is less than or equal to the point fee amount limit, and based on the usage priority, at least the whole point information. It may be implemented by a circuit for determining the amount of use points for each payment point information among the point information, so that the sum of the amount of use points for each piece of payment point information is equal to or less than the product value included in the payment information.

In an alternative embodiment of the point management method, the circuit 906 for calculating the amount of points used for each payment point information, which is at least a part of the total point information, based on the point fee amount limit, includes the points for each of the point information. A circuit for determining the priority of use of each point information based on the point fee rate for each information; A circuit for determining the point fee amount of each point information and calculating the sum of the point fee amount of each point information based on the amount of points and the point fee rate for each of the point information; A circuit for determining all of the point information as usable point information when the sum of the point fee amounts for each of the point information is less than or equal to the point fee limit; And a circuit for determining at least some of the point information as usable point information when the sum of the point fee amounts for each of the point information exceeds the point fee limit.

In an alternative embodiment of the point management method, when the sum of the point fee amount for each of the point information exceeds the point fee amount limit, the circuit for determining at least some of the point information as usable point information, Adjusting such that the sum of the point fee amount is less than or equal to the limit of the point fee amount by subtracting at least a portion of the point fee amount for the point information having a low priority among the priority of use of each of the point information. It may be implemented by a circuit for.

In an alternative embodiment of the point management method, the method further includes circuitry for calculating the sum of the amount of use points for each of the available point information; A circuit for determining the available point information as the payment point information when the sum of the amount of used points for each of the available point information is equal to or less than a product value included in the payment information; When the sum of the amount of used points for each of the available point information exceeds the product value, it may be implemented by a circuit for determining at least some of the available point information as payment point information.

In an alternative embodiment of the point management method, the circuit for determining at least some of the available point information as payment point information includes: for available point information having a lower priority among the use priority of each of the available point information. It may be implemented by a circuit for subtracting at least a portion of the use point amount from the sum of the use point amounts to adjust the sum of the use point amounts to be less than or equal to the product value.

In an alternative embodiment of the point management method, the method further includes circuitry for transmitting the amount of points based on the payment point information to at least one of a user terminal and the affiliate server; Circuitry for receiving usage approval for at least a portion of the amount of points based on the payment point information from at least one of the user terminal and the affiliate server; And a circuit for calculating the amount of points used for each payment point information by adjusting the amount of points based on the payment point information based on the usage approval and the usage priority based on the usage approval.

In an alternative embodiment of the point management method, the method may be additionally implemented by circuitry for receiving at least one of a priority use condition and a non-use condition for at least a portion of the entire point information from a user terminal. The circuit 906 for calculating the amount of points used for each payment point information, which is at least a part of the total point information, based on the point fee amount limit, is a circuit for excluding point information corresponding to the unavailable condition from the payment point information ; The point information corresponding to the preferential use condition is a circuit for determining a use priority of a priority of each of the remaining point information excluding the point information corresponding to the preferential use condition among the entire point information; And point information excluding point information for at least one of point information corresponding to the unavailable condition and point information corresponding to the preferential usage condition among the entire point information, based on the point fee rate for each point information. It may be implemented by circuitry for determining the priority of use of each piece of information.

In an alternative embodiment of the point management method, the method further includes circuitry for receiving point information usage rights based on other user information from the user terminal; And a circuit for receiving the amount of points for each point information based on the other user information and the point fee rate for each point information based on the other user information from each of the one or more point servers.

In an alternative embodiment of the point management method, the method may be additionally implemented by a circuit for receiving an alternative payment point from a user terminal, and is used for each payment point information among the point information based on the point fee limit. The circuit 906 for calculating the amount of points may be implemented by a circuit for determining the alternative payment point as a usage priority.

In an alternative embodiment of the point management method, the method further includes circuitry for identifying at least one of the restriction conditions for point information included in at least one of the point information and the payment information; And a circuit for excluding point information identified based on the restriction condition from the total point information from payment point information.

In an alternative embodiment of the point management method, the method additionally, if one of the one or more point servers is the same server as the affiliate server, the point information received from the same point server as the affiliate server is the payment point. It may also be implemented by circuitry to exclude information.

In an alternative embodiment of the point management method, the method further includes circuitry for receiving restriction information for one point server of the one or more point servers from the affiliate server; And the point information received from the point server identified based on the restriction information may be implemented by a circuit for excluding from the payment point information.

In an alternative embodiment of the point management method, the method further includes circuitry for receiving restriction information for one point server of the one or more point servers from the affiliate server; And the point information received from the point server identified based on the restriction information may be implemented by a circuit for excluding from the payment point information.

In an alternative embodiment of the point management method, the method further comprises receiving promotional point information including at least one of a user information limit, a merchant server limit and a purchase information limit from at least one point server among the one or more point servers. Circuit; Further comprising a circuit for comparing at least one of the limit included in the promotion point information and the user information, the affiliate server and purchase information, and when payment is completed, the promotion point information is the user information based on the comparison. A circuit for matching and storing; And a circuit for determining the promotion point information as the highest priority among usage priorities based on the comparison.

In an alternative embodiment of the point management method, the method further includes circuitry for calculating payment necessity information obtained by subtracting the use point amount for each payment point information from a product value included in the payment information; A circuit for transmitting at least a part of the payment available information matched and stored with the user information based on the payment required information to the affiliate server; A circuit for calculating financial server payment required information by subtracting at least a portion of the payment available information transmitted from the payment required information to the merchant server; And circuitry for transmitting the financial server payment required information to at least one financial server among the one or more financial servers.

In an alternative embodiment of the point management method, the method further includes circuitry for receiving the total amount of points summed by the amount of each user's retention points from one of the one or more point servers; A circuit for receiving deposit information for a point company based on the one point server from a bank server; And circuits for determining whether to exclude point information received from the one point server from payment point information based on the total point amount, the deposit information, and a predetermined deposit ratio.

9 is a block diagram illustrating a means for implementing a point management method according to an embodiment of the present disclosure.

According to an embodiment of the present disclosure, a point management method may be implemented by the following means.

According to an embodiment of the present disclosure, a point management method includes: a module 1001 for receiving user information from at least one of a merchant server and a user terminal; Means (1002) for receiving payment information and point fee limit from the merchant server; Means (1004) for receiving all point information including at least one of point information, the amount of points held for each point information, and the point fee rate for each point information based on the user information from each of one or more point servers; Means (1006) for calculating the amount of points used for each payment point information that is at least a part of the total point information based on the point fee limit; And means for transmitting a payment request based on the amount of points used for each payment point information to each of the one or more point servers.

In an alternative embodiment of the point management method, means 1006 for calculating the amount of points used for each payment point information, which is at least a part of the total point information, based on the point fee amount limit, includes the points for each of the point information. Means for determining a priority of use of each of the point information based on at least one of a point fee rate for each information and information of the point server; And the sum of the point fee amount for each of the payment point information, which is at least a part of the whole point information, based on the usage priority, is less than or equal to the point fee amount limit, and based on the usage priority, at least the whole point information. It may be implemented by means for determining the amount of use points for each payment point information among the point information, so that the sum of the amount of used points for each of the payment point information that is a part is equal to or less than the product value included in the payment information.

In an alternative embodiment of the point management method, means 1006 for calculating the amount of points used for each payment point information, which is at least a part of the total point information, based on the point fee amount limit, includes the points for each of the point information. Means for determining the priority of use of each of the point information based on the point fee rate for each information; Means for determining the point fee amount of each point information and calculating the sum of the point fee amount of each point information based on the amount of points and the point fee rate for each of the point information; Means for determining all of the point information as usable point information when the sum of the point fee amounts for each of the point information is less than or equal to the point fee limit; And when the sum of the point fee amount for each of the point information exceeds the point fee amount limit, it may be implemented by means for determining at least some of the point information as usable point information.

In an alternative embodiment of the point management method, when the sum of the point fee amount for each of the point information exceeds the point fee amount limit, the means for determining at least some of the point information as usable point information, Adjusting such that the sum of the point fee amount is less than or equal to the limit of the point fee amount by subtracting at least a portion of the point fee amount for the point information having a low priority among the priority of use of each of the point information. It may be implemented by means for.

In an alternative embodiment of the point management method, the method further comprises means for calculating a sum of the amount of used points for each of the available point information; Means for determining the available point information as the payment point information when the sum of the amount of used points for each of the available point information is equal to or less than a product value included in the payment information; When the sum of the amount of used points for each of the available point information exceeds the product value, it may be implemented by means for determining at least some of the available point information as payment point information.

In an alternative embodiment of the point management method, the means for determining at least some of the available point information as payment point information includes: for available point information with a lower priority among the use priority of each of the available point information. It may also be implemented by means for adjusting at least a portion of the amount of use points by subtracting the sum of the use point amounts so that the sum of the use point amounts is equal to or less than the product value.

In an alternative embodiment of the point management method, the method further comprises: means for transmitting the amount of points based on the payment point information to at least one of a user terminal and the affiliate server; Means for receiving usage approval for at least a portion of the amount of points based on the payment point information from at least one of the user terminal and the affiliate server; And a point amount based on the payment point information based on the usage approval and the usage priority, and adjusted based on the usage approval to calculate a usage point amount for each payment point information.

In an alternative embodiment of the point management method, the method may be additionally implemented by means for receiving at least one of a priority use condition and a non-use condition for at least some of the entire point information from a user terminal, and the Means 1006 for calculating the amount of points used for each payment point information, which is at least a part of the total point information, based on the point fee limit, means for excluding point information corresponding to the unavailable conditions from the payment point information ; The point information corresponding to the preferential use condition includes means for determining a priority of use of a priority of each of the remaining point information excluding point information corresponding to the preferential use condition among the entire point information; And point information excluding point information for at least one of point information corresponding to the unavailable condition and point information corresponding to the preferential usage condition among the entire point information, based on the point fee rate for each point information. It may be implemented by means for determining the priority of use of each piece of information.

In an alternative embodiment of the point management method, the method further comprises: means for receiving point information usage rights based on other user information from the user terminal; And it may be implemented by means for receiving a point fee rate for each point information based on the different user information and the amount of points for each point information based on the other user information from each of the one or more point servers.

In an alternative embodiment of the point management method, the method may be additionally implemented by means for receiving an alternative payment point from a user terminal, and is used for each payment point information among the point information based on the point fee limit. Means 1006 for calculating the amount of points, the alternative payment point may be implemented by means for determining the priority of use.

In an alternative embodiment of the point management method, the method further comprises means for identifying at least one of a restriction condition for point information included in at least one of the point information and the payment information; And means for excluding point information identified based on the restriction condition from the total point information from payment point information.

In an alternative embodiment of the point management method, the method additionally, if one of the one or more point servers is the same server as the affiliate server, the point information received from the same point server as the affiliate server is the payment point. It may also be implemented by means for excluding information.

In an alternative embodiment of the point management method, the method further comprises means for receiving limit information for one of the one or more point servers from the affiliate server; And the point information received from the point server identified based on the restriction information may be implemented by means for excluding from the payment point information.

In an alternative embodiment of the point management method, the method further comprises means for receiving limit information for one of the one or more point servers from the affiliate server; And the point information received from the point server identified based on the restriction information may be implemented by means for excluding from the payment point information.

In an alternative embodiment of the point management method, the method further comprises receiving promotional point information including at least one of user information restriction, merchant information restriction and purchase information restriction from at least one point server of the one or more point servers. Way; And means for comparing at least one of the user information, the merchant server, and the purchase information with the limit included in the promotion point information, and when the payment is completed, the promotion point information is the user information based on the comparison. Means for matching and storing; And means for determining the promotion point information as the highest priority among usage priorities based on the comparison.

In an alternative embodiment of the point management method, the method further includes means for calculating payment necessity information obtained by subtracting the use point amount for each payment point information from a product value included in the payment information; Means for transmitting at least a portion of the payment enable information stored in matching with the user information based on the payment need information to the affiliate server; Means for calculating financial server payment required information by subtracting at least some of the payment available information transmitted from the payment required information to the merchant server; And it may be implemented by means for transmitting the financial server payment required information to at least one financial server of the one or more financial servers.

In an alternative embodiment of the point management method, the method further comprises means for receiving the total amount of points summed by the amount of each user's holding points from one of the one or more point servers; Means for receiving deposit information for a point company based on the one point server from a bank server; And means for determining whether to exclude point information received from the one point server from payment point information based on the total point amount, the deposit information, and a predetermined deposit ratio.

10 is a block diagram of a computing device according to an embodiment of the present disclosure.

10 shows a simplified and general schematic diagram of an example computing environment in which embodiments of the present disclosure can be implemented.

Although the present disclosure has been described above in general with respect to computer-executable instructions that can be executed on one or more computers, those skilled in the art will appreciate that the present disclosure can be implemented in combination with other program modules and / or as a combination of hardware and software. will be.

Generally, program modules include routines, programs, components, data structures, etc. that perform particular tasks or implement particular abstract data types. In addition, those of ordinary skill in the art may find that the methods of the present disclosure include single-processor or multiprocessor computer systems, minicomputers, mainframe computers, as well as personal computers, handheld computing devices, microprocessor-based or programmable consumer electronics, and the like (each of which is). It will be appreciated that it may be implemented in other computer system configurations, including one that may operate in conjunction with one or more associated devices.

The described embodiments of the present disclosure may also be practiced in distributed computing environments where certain tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote memory storage devices.

Computers typically include a variety of computer readable media. Any computer-accessible medium can be a computer-readable medium. Computer-readable media includes volatile and non-volatile media, transitory and non-transitory media, removable and non-removable media. By way of example, and not limitation, computer readable media may include computer readable storage media and computer readable transmission media. Computer-readable storage media are volatile and non-volatile media, temporary and non-transitory media, removable and non-removable media implemented in any method or technology for storing information such as computer readable instructions, data structures, program modules or other data Includes media. Computer storage media includes RAM, ROM, EEPROM, flash memory or other memory technology, CD-ROM, digital video disk (DVD) or other optical disk storage devices, magnetic cassettes, magnetic tapes, magnetic disk storage devices or other magnetic storage devices, Or any other medium that can be accessed by a computer and used to store desired information.

Computer readable transmission media typically embodies computer readable instructions, data structures, program modules or other data in a modulated data signal, such as a carrier wave or other transport mechanism, and Includes all information delivery media. The term modulated data signal means a signal in which one or more of the characteristics of the signal are set or changed to encode information in the signal. By way of example, and not limitation, computer readable transmission media includes wired media such as a wired network or direct-wired connection, and wireless media such as acoustic, RF, infrared, and other wireless media. Combinations of any of the above-described media are also intended to be included within the scope of computer-readable transmission media.

An exemplary environment 1100 is shown that implements various aspects of the present disclosure, including a computer 1102, and the computer 1102 includes a processing device 1104, a system memory 1106, and a system bus 1108. do. System bus 1108 connects system components, including, but not limited to, system memory 1106 to processing device 1104. The processing device 1104 can be any of a variety of commercial processors. Dual processor and other multiprocessor architectures may also be used as the processing unit 1104.

The system bus 1108 can be any of several types of bus structures that can be further interconnected to a memory bus, peripheral bus, and local bus using any of a variety of commercial bus architectures. System memory 1106 includes read-only memory (ROM) 1110 and random access memory (RAM) 1112. The basic input / output system (BIOS) is stored in a non-volatile memory 1110 such as ROM, EPROM, EEPROM, etc., and this BIOS is basic to help transfer information between components in the computer 1102 at the same time as during startup. Contains routines. The RAM 1112 may also include high-speed RAM, such as static RAM for caching data.

Computer 1102 is also an internal hard disk drive (HDD) 1114 (eg, EIDE, SATA)-this internal hard disk drive 1114 can also be configured for external use within a suitable chassis (not shown). Yes, magnetic floppy disk drive (FDD) 1116 (e.g., for reading from or writing to removable diskette 1118), and optical disk drive 1120 (e.g., CD-ROM Disc 1122, or for reading from or writing to other high-capacity optical media such as a DVD). The hard disk drive 1114, the magnetic disk drive 1116, and the optical disk drive 1120 are respectively connected to the system bus 1108 by the hard disk drive interface 1124, the magnetic disk drive interface 1126, and the optical drive interface 1128. ). The interface 1124 for implementing an external drive includes at least one or both of Universal Serial Bus (USB) and IEEE 1394 interface technologies.

These drives and their associated computer-readable media provide non-volatile storage of data, data structures, computer-executable instructions, and the like. In the case of computer 1102, drives and media correspond to storing any data in a suitable digital format. Although the above description of computer readable media refers to HDDs, removable magnetic disks, and removable optical media such as CDs or DVDs, those of ordinary skill in the art can use a zip drive, magnetic cassette, flash memory card, cartridge, etc. It will be appreciated that other types of media readable by a computer, etc., may also be used in the exemplary operating environment and any such media may include computer-executable instructions for performing the methods of the present disclosure.

A number of program modules may be stored in the drive and RAM 1112, including the operating system 1130, one or more application programs 1132, other program modules 1134, and program data 1136. All or part of the operating system, applications, modules and / or data may also be cached in RAM 1112. It will be appreciated that the present disclosure can be implemented in various commercially available operating systems or combinations of operating systems.

The user may input commands and information to the computer 1102 through one or more wired / wireless input devices, for example, pointing devices such as a keyboard 1138 and a mouse 1140. Other input devices (not shown) may include a microphone, IR remote control, joystick, game pad, stylus pen, touch screen, etc. These and other input devices are often connected to the processing unit 1104 through an input device interface 1142 connected to the system bus 1108, but the parallel port, IEEE 1394 serial port, game port, USB port, IR interface, And other interfaces.

The monitor 1144 or other type of display device is also connected to the system bus 1108 through an interface such as a video adapter 1146. In addition to the monitor 1144, the computer generally includes other peripheral output devices (not shown) such as speakers, printers, and the like.

The computer 1102 can operate in a networked environment using logical connections to one or more remote computers, such as remote computer (s) 1148 via wired and / or wireless communication. The remote computer (s) 1148 may be a workstation, computing device computer, router, personal computer, portable computer, microprocessor-based entertainment device, peer device, or other conventional network node, typically in computer 1102. It includes many or all of the components described with respect to, but for simplicity, only the memory storage device 1150 is shown. The illustrated logical connections include wired / wireless connections to a local area network (LAN) 1152 and / or a larger network, such as a wide area network (WAN) 1154. Such LAN and WAN networking environments are common in offices and companies, and facilitate enterprise-wide computer networks such as intranets, all of which can be connected to computer networks around the world, for example, the Internet.

When used in a LAN networking environment, the computer 1102 is connected to the local network 1152 via a wired and / or wireless communication network interface or adapter 1156. The adapter 1156 may facilitate wired or wireless communication to the LAN 1152, which also includes a wireless access point installed therein to communicate with the wireless adapter 1156. When used in a WAN networking environment, the computer 1102 may include a modem 1158, connect to a communication computing device on the WAN 1154, or establish communication over the WAN 1154, such as through the Internet. Have other means. The modem 1158, which may be an internal or external and wired or wireless device, is connected to the system bus 1108 through a serial port interface 1142. In a networked environment, program modules described for the computer 1102 or portions thereof may be stored in the remote memory / storage device 1150. It will be appreciated that the network connections shown are exemplary and other means of establishing a communication link between computers may be used.

The computer 1102 is associated with any wireless device or object that is deployed and operates in wireless communication, such as a printer, scanner, desktop and / or portable computer, a portable data assistant (PDA), communication satellite, or wireless detectable tag. It operates to communicate with any equipment or place and telephone. This includes at least Wi-Fi and Bluetooth wireless technology. Accordingly, the communication may be a predefined structure as in a conventional network or simply ad hoc communication between at least two devices.

Wi-Fi (Wireless Fidelity) enables a connection to the Internet or the like without a wired connection. Wi-Fi is a wireless technology such as a cell phone that allows a device, for example, a computer to transmit and receive data indoors and outdoors, ie anywhere within the base station's coverage area. Wi-Fi networks use a wireless technology called IEEE 802.11 (a, b, g, etc.) to provide a secure, reliable and high-speed wireless connection. Wi-Fi can be used to connect computers to each other, to the Internet, and to a wired network (using IEEE 802.3 or Ethernet). Wi-Fi networks can operate in unlicensed 2.4 and 5 GHz radio bands, for example, at 11 Mbps (802.11a) or 54 Mbps (802.11 b) data rates, or in products that include both bands (dual band). have.

One of ordinary skill in the art of the present disclosure will understand that information and signals can be represented using any of a variety of different technologies and techniques. For example, data, instructions, instructions, information, signals, bits, symbols and chips that can be referenced in the above description are voltages, currents, electromagnetic waves, magnetic fields or particles, optical fields Or particles, or any combination thereof.

Those of ordinary skill in the art of the present disclosure may use various examples of logical blocks, modules, processors, means, circuits, and algorithm steps described in connection with the embodiments disclosed herein in electronic hardware, (convenience For the sake of understanding, it may be implemented by various forms of program or design code (referred to herein as “software”) or a combination of both. To clearly illustrate this interoperability of hardware and software, various illustrative components, blocks, modules, circuits, and steps have been described above generally in terms of their functionality. Whether such functionality is implemented as hardware or software depends on the particular application and design constraints imposed on the overall system. Those skilled in the art of the present disclosure may implement the functions described in various ways for each particular application, but such implementation decisions should not be interpreted as being outside the scope of the present disclosure.

Various embodiments presented herein may be implemented as a method, apparatus, or article of manufacture using standard programming and / or engineering techniques. The term "manufactured article" includes a computer program, carrier, or media accessible from any computer-readable device. For example, computer-readable media include magnetic storage devices (eg, hard disks, floppy disks, magnetic strips, etc.), optical disks (eg, CDs, DVDs, etc.), smart cards, and flash memory Devices (eg, EEPROMs, cards, sticks, key drives, etc.), but are not limited to these. Also, various storage media presented herein include one or more devices and / or other machine-readable media for storing information.

It is understood that the specific order or hierarchy of steps in the processes presented is an example of exemplary approaches. Based on design priorities, it is understood that within the scope of the present disclosure, a specific order or hierarchy of steps in the processes may be rearranged. The accompanying method claims provide elements of the various steps in a sample order, but are not meant to be limited to the specific order or hierarchy presented.

Descriptions of the presented embodiments are provided to enable any person of ordinary skill in the art to use or practice the present disclosure. Various modifications to these embodiments will be apparent to those skilled in the art of the present disclosure. The general principles defined herein can be applied to other embodiments without departing from the scope of the present disclosure. Thus, the present disclosure should not be limited to the embodiments presented herein, but should be interpreted in the broadest scope consistent with the principles and novel features presented herein.

Claims (1)

A computer program stored on a computer readable storage medium.

Images