KR20210144198A - Blockchain based refundable integrated point operation management system and method thereof - Google Patents

Abstract

Provided are a blockchain based refundable integrated point operation management system and a method thereof. The method includes the steps of: depositing, by a management server, an allowance for an affiliated store terminal; issuing, by the management server, a point corresponding to the allowance to the affiliated store terminal; and when a consumer terminal that has accumulated the point uses the point, paying by the management server, a refund corresponding to the used points to a point affiliated store. The management server may refund the refund to the affiliated store terminal in the next month.

Description

Blockchain-based refundable integrated point operation management system and method {BLOCKCHAIN BASED REFUNDABLE INTEGRATED POINT OPERATION MANAGEMENT SYSTEM AND METHOD THEREOF}

The present invention relates to a blockchain-based refundable integrated point operation management system and method for refunding a provision corresponding to points consumed from a provision deposited from an affiliated store terminal to an affiliated store terminal using a smart contract algorithm in a blockchain.

With the recent rapid development of information and communication technology, the Internet has become a powerful medium for pursuing new economic values and changing lifestyles.

Recently, companies are strengthening their marketing by providing better services and various contents in order to increase the purchasing power of customers, which is the basis for generating profits.

As one of these marketing methods, when a customer who purchases goods or services joins as a member, a certain amount in proportion to the purchase price of goods or services is accumulated as points (including cashback, mileage, etc.), and the accumulated points exceed a certain standard In this case, a point accumulation system that can be exchanged for goods or cash has been proposed and widely used.

However, at present, many domestic and foreign private operators spend a lot of marketing costs to sell products and attract customers. The reality is that there are almost no marketing activities, and the effect is less than expected compared to relatively high-cost marketing activities.

In addition, one of the marketing expenses returned to some consumers is the mileage point system, which is one of the compensation programs, that is, the mileage point provision system according to purchase or service use and the product provision system according to the accumulation of points. Because it is difficult to accumulate points, it is difficult to expect the actual effect of using mileage points, and the use of accumulated points is also very small, such as gifts or discount benefits provided by the point accumulation company.

Korean Patent Publication No. 10-2013-0064311, 2013.06.18.

The problem to be solved by the present invention is to provide a blockchain-based refund type integrated point operation management system and a method therefor.

The problems to be solved by the present invention are not limited to the problems mentioned above, and other problems not mentioned will be clearly understood by those skilled in the art from the following description.

A block chain-based refundable integrated point operation management method according to an embodiment of the present invention for solving the above problems, the management server depositing an allowance for the affiliated store terminal; issuing, by the management server, a point corresponding to the provision to the affiliated store terminal; and paying, by the management server, a refund corresponding to the used points to the point merchant when the consumer terminal that has accumulated the points uses the points, wherein the management server sends the refund to the merchant terminal in the following month. can be refunded with

In one embodiment of the present invention, the management server using a smart contract algorithm to manage the provision in the block chain; may include.

In one embodiment of the present invention, the management server using a machine learning technique to request the expected provision amount calculated by excluding the refund amount from the initial provision amount to the affiliated store terminal; may include.

In an embodiment of the present invention, the expected provisioning amount may be an amount excluding the used points from the initial provisioning amount.

In one embodiment of the present invention, the management server converts the distributed points of the consumer terminal to the integrated processing of the points; may include.

In an embodiment of the present invention, when the consumer terminal uses the points in the affiliated store terminal, the management server simultaneously performs discount and accumulation; the affiliated store terminal meets a preset condition. In this case, the points are paid to the consumer terminal, and the affiliated store terminal may pay the points in an amount obtained by multiplying the actual payment amount excluding discounts, reserves, and shipping costs by the accumulation rate according to the level of the consumer terminal.

In an embodiment of the present invention, the management server may collect the consumption pattern of the consumer terminal and provide event information of the affiliated store terminal in real time.

In one embodiment of the present invention, the management server may provide event information of the affiliated store terminal within a preset distance of the consumer terminal using a location-based service.

In addition, the block chain-based refundable integrated point operation management system according to another embodiment of the present invention for solving the above-described problems deposits the provision received from the merchant terminal, and points the merchant terminal corresponding to the deposited provision. and a point management server that issues a refund amount corresponding to the points used by the consumer terminal to the merchant terminal; .

In one embodiment of the present invention, the investment terminal for generating an investment return by converting the remaining allowance excluding the used points from the allowance into an investment amount; may further include.

Other specific details of the invention are included in the detailed description and drawings.

According to the present invention, it is possible to minimize the management cost of unused points by minimizing the lost points by refunding the provision to the point merchant from the provision amount deposited in response to the consumption of points.

According to the present invention, by operating a point using a smart contract algorithm, reliability and security are increased, so that a faster and smoother transaction can be made.

According to the present invention, since distributed points can be integrated and used, it is possible to reduce the cost of points and point management that are lost without a separate fee.

According to the present invention, by providing an event using big data, it is possible to contribute to the increase in sales of point merchants by satisfying various purchasing needs of consumers and facilitating the accumulation and use of points.

According to the present invention, it is possible to contribute to an increase in sales by operating income by entrusting a portion of the deposited amount to the investment server and managing the provision to make a diversified investment.

Effects of the present invention are not limited to the effects mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the following description.

1 is a conceptual diagram for explaining a blockchain-based refund-type integrated point operation management system according to an embodiment of the present invention.
Figure 2 is a detailed block diagram for explaining the blockchain-based refund-type integrated point operation management system shown in Figure 1.
3 is a view for explaining a block chain-based refund type integrated point operation management method according to an embodiment of the present invention.
FIG. 4 is a diagram for explaining a method of calculating an expected provisioning amount shown in FIG. 3 .
FIG. 5 is a diagram for explaining the expected provision amount calculated in FIG. 4 .
FIG. 6 is a view for explaining the accumulation and use of points shown in FIG. 3 .
FIG. 7 is a view for explaining a method of entrusting the remaining allowance shown in FIG. 3 .
FIG. 8 is a view for explaining various embodiments of the payment process shown in FIG. 3 .
FIG. 9 is a diagram for explaining a method of generating event information shown in FIG. 8 .

Advantages and features of the present invention, and methods of achieving them, will become apparent with reference to the embodiments described below in detail together with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but may be implemented in various different forms, and only these embodiments allow the disclosure of the present invention to be complete, and those of ordinary skill in the art to which the present invention pertains. It is provided to fully understand the scope of the present invention to those skilled in the art, and the present invention is only defined by the scope of the claims.

The terminology used herein is for the purpose of describing the embodiments and is not intended to limit the present invention. As used herein, the singular also includes the plural unless specifically stated otherwise in the phrase. As used herein, “comprises” and/or “comprising” does not exclude the presence or addition of one or more other components in addition to the stated components. Like reference numerals refer to like elements throughout, and "and/or" includes each and every combination of one or more of the recited elements. Although "first", "second", etc. are used to describe various elements, these elements are not limited by these terms, of course. These terms are only used to distinguish one component from another. Accordingly, it goes without saying that the first component mentioned below may be the second component within the spirit of the present invention.

Unless otherwise defined, all terms (including technical and scientific terms) used herein will have the meaning commonly understood by those of ordinary skill in the art to which this invention belongs. In addition, terms defined in a commonly used dictionary are not to be interpreted ideally or excessively unless specifically defined explicitly.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a conceptual diagram for explaining a block chain-based refund type integrated point operation management system according to an embodiment of the present invention, and FIG. 2 is a detailed block for explaining the block chain-based refund type integrated point operation management system shown in FIG. It is also

As shown in Figures 1 and 2, the blockchain-based refundable integrated point operation management system 1 according to an embodiment of the present invention is a consumer terminal 10, an affiliated store terminal 20, a management server 30 and an investment terminal. (40) may be included. Depending on the embodiment, the investment terminal 40 may be omitted.

In addition, although the management server 30 has been disclosed as including the payment settlement management server 32 and the point management server 34, it is not limited thereto, and the settlement settlement management server 32 and the point management server 34 are separately may be composed of each other.

In this embodiment, the consumer terminal 10 includes a plurality of consumer terminals, for example, consumer terminals A 11 to D consumer terminals 14, and the merchant terminal 20 includes a plurality of merchant terminals, for example, A affiliated store terminal 21 to D affiliated store terminal 24 may be included, but is not limited thereto.

Here, the consumer terminal 10 , the affiliated store terminal 20 , and the investment terminal 40 may transmit and receive data in synchronization with the management server 30 in real time using a wireless communication network. The wireless communication network may support various long-distance communication methods, for example, wireless LAN (WLAN), DLNA (Digital Living Network Alliance), WiBro (Wireless Broadband: Wibro), and Wimax (World Interoperability for Microwave Access: Wimax). ), GSM (Global System for Mobile communication), CDMA (Code Division Multi Access), CDMA2000 (Code Division Multi Access 2000), EV-DO (Enhanced Voice-Data Optimized or Enhanced Voice-Data Only), WCDMA (Wideband CDMA) , High Speed Downlink Packet Access (HSDPA), High Speed Uplink Packet Access (HSUPA), IEEE 802.16, Long Term Evolution (LTE), Long Term Evolution-Advanced (LTEA), Broadband Wireless Mobile Communication Service (Wireless Mobile) Broadband Service: Various communication methods such as WMBS), BLE (Bluetooth Low Energy), Zigbee, RF (Radio Frequency), LoRa (Long Range), etc. may be applied, but are not limited thereto, and various well-known wireless or mobile communications method may be applied.

In addition, the consumer terminal 10 and the merchant terminal 20 may operate using an application program or application (application) in the present disclosure, and such an application program is an external server or management server ( 30) can be downloaded from

The consumer terminal 10 , the affiliated store terminal 20 and the investment terminal 40 may include various portable electronic communication devices that support communication with the management server 30 . For example, as a separate smart device, a smart phone, a personal digital assistant (PDA), a tablet, a wearable device, for example, a watch-type terminal (Smartwatch), a glass-type terminal (including Smart Glass), HMD (Head Mounted Display), etc.) and various Internet of Things (IoT) terminals, but are not limited thereto.

The consumer terminal 10 is a terminal possessed by a consumer who performs consumption through a transaction with the affiliated store terminal 20, and purchases various contents from the affiliated store terminal 20 on/off line, and settles the payment. The payment may be made using the management server 32 , and point accumulation may be requested using the point management server 34 . Here, the consumer terminal 10 may preferentially register as a member to the affiliated store terminal 20 and/or the point management server 34 in order to accumulate or use points, but is not limited thereto.

In this case, the consumer terminal 10 may use and accumulate points when the affiliated store terminal 20 meets a preset condition.

For example, the consumer terminal 10 may use points when the remaining provision is equal to or greater than a certain amount, or may accumulate points when the actual payment amount excluding discounts, reserves, and shipping costs is greater than or equal to a certain amount. Here, in the case of accumulating points, the consumer terminal 10 may receive an amount obtained by multiplying the accumulation rate according to the grade of the consumer terminal 10 as points. In this case, the points may be used and accumulated as an OR code, barcode, card, coupon, virtual currency, etc., but is not limited thereto.

According to an embodiment, when the consumer terminal 10 accesses the point management server 34 and uses the points in at least one affiliated store terminal 20, the discount may be simultaneously performed with the use of the points.

For example, in response to information such as a lump sum payment, a discount from a telecommunication company, etc., or multiple accumulation, the consumer terminal 10 may receive a discount at the same time as the points are accumulated in the affiliate store terminal 20 or the point management server 34. .

According to an embodiment, when the consumer terminal 10 pays the amount generated by the transaction with the affiliated store terminal 20 , the entire amount of the actual payment amount may be paid using points.

According to an embodiment, when paying the amount generated by the transaction with the affiliated store terminal 20 , the consumer terminal 10 may pay at least a partial amount of the actual payment amount using points.

According to an embodiment, when the consumer terminal 10 pays the amount generated by the transaction with the affiliated store terminal 20 , the consumer terminal 10 may not pay the entire amount of the actual payment amount using points.

In addition, the consumer terminal 10 may access the point management server 34 to charge points that can be paid in lieu of an amount in at least one or more affiliated store terminals 20 . In this case, the consumer terminal 10 may purchase points with an amount lower than the original amount and use the points as the original amount, but is not limited thereto. Here, the payment fee when purchasing points may be 0%, but is not limited thereto.

According to an embodiment, the consumer terminal 10 purchases points from the affiliated store terminal 20 and/or the management server 30 and recharges when some amount is insufficient after using the points when paying the actual amount of money. , you can proceed with the payment using the charged points.

According to an embodiment, the consumer terminal 10 may automatically charge points through a preset payment method when the remaining provision is less than or equal to a certain amount. In this case, the payment method may be a bank account or a credit card, but is not limited thereto.

According to an embodiment, the consumer terminal 10 may receive points provided by feedback information on product purchase. Here, the feedback information may include a purchase path of the product, a user review, an actual use photo, and the like.

In addition, the consumer terminal 10 may provide the location information of the consumer terminal 10 to the point management server 34 using a location-based service. In this case, providing the location information of the consumer terminal 10 may be selected at the time of membership registration, and may be provided only while accessing the management server 30 .

According to an embodiment, the consumer terminal 10 may be provided with event information conducted in the affiliated store terminal 20 subscribed to the point management server 34 . Here, the event information may include discount information and coupons, but is not limited thereto.

For example, the consumer terminal 10 may receive event information of the affiliated store terminal 20 located within a preset distance, that is, within a radius of 100 m.

Contrary to this, the consumer terminal 10 may periodically receive event information performed by the point management server 34 irrespective of location information. That is, the consumer terminal 10 may be provided with event information in response to the consumer information. Here, the consumer information may include, but is not limited to, consumption pattern information, point accumulation information, point use information, point charging information, and personal information for each member. For example, the consumer information may include card information or account information for recharging points.

And, according to an embodiment, the consumer terminal 10 may receive an integrated point in which the points distributed by the predefined consumer information are integrated from the point management server 34 .

According to an embodiment, the consumer terminal 10 may use the integrated point to transact with various affiliated stores as well as affiliate stores that provided points.

The consumer terminal 10 having such a structure proceeds with payment in response to various event information, receives points issued by the point management server 34 in response to the payment progress, and performs payment using the accumulated points. have.

The affiliated store terminal 20 deposits the provision in the point management server 34, receives points issued in response to the deposited provision, and manages the provision amount corresponding to the points used by the consumer terminal 10 as a refund. It may be paid from the server 34 .

According to an embodiment, the affiliated store terminal 20 may deposit in the point management server 34 corresponding to the expected provision. Here, the expected allowance may be a value calculated using the average value of the refund amount.

According to an embodiment, when the affiliated store terminal 20 deposits the provision for the first time, the affiliated store terminal 20 may deposit an amount obtained by adding the value of the points used in the previous month and the value of the remaining provision as the provision.

According to an embodiment, the affiliated store terminal 20 may receive a refund at the end of the following month, but is not limited thereto. For example, the affiliated store terminal 20 may receive a refund in response to a preset settlement date.

According to an embodiment, when the amount of the provision is insufficient, the affiliated store terminal 20 may receive a request for an additional provision from the point management server 34 . Accordingly, the affiliated store terminal 20 may deposit the additional provision to the point management server 34 .

Also, the affiliated store terminal 20 may pay points generated by a transaction with the affiliated store terminal 20 to the consumer terminal 10 .

According to an embodiment, the affiliated store terminal 20 may pay the amount multiplied by the accumulation rate according to the grade of the consumer terminal 10 as points.

According to an embodiment, the affiliated store terminal 20 may pay points that can be used in various affiliated stores rather than a limited affiliated store to the consumer terminal 10 .

In addition, the affiliated store terminal 20 may receive a settlement for the payment of the consumer terminal 10 from the payment settlement management server 32 .

In addition, the affiliated store terminal 20 may transmit event information performed in the affiliated store terminal 20 to the point management server 34 .

According to an embodiment, the affiliated store terminal 20 may transmit event information to the consumer terminal 10 .

According to an embodiment, the affiliated store terminal 20 may automatically pay points to the consumer terminal 10 in response to consumption.

According to an embodiment, the affiliated store terminal 20 may request an investment for the remaining provision from the point management server 34 .

The affiliated store terminal 20 having such a structure can reduce the point maintenance cost by receiving a refund amount at the end of the following month as much as the points used in the deposited provision.

The management server 30 may include a payment settlement management server 32 and a point management server 34 .

When the payment for consumption of the consumer terminal 10 is made through a separate payment method rather than a point, the payment settlement management server 32 performs the settlement of the payment and pays the settlement amount to the affiliated store terminal 20 can

In this case, the payment method may be cash or a card, but is not limited thereto, and may include account transfer and the like.

For example, when the payment means is a card, the payment settlement management server 32 may settle the amount paid according to the approval of the card company and pay it to the affiliated store account of the affiliated store terminal 20 .

The point management server 34 may include a data transmission/reception unit 340 , a consumer management unit 342 , a franchisee management unit 344 , an investment management unit 346 , and a management control unit 348 .

The data transmission/reception unit 340 may transmit/receive information about points used for use of points from the consumer terminal 10 to/from the consumer terminal 10 .

According to an embodiment, the data transmission/reception unit 340 may transmit and receive charging point information related to point charging from the consumer terminal 10 to and from the consumer terminal 10 .

Also, the data transmission/reception unit 340 may transmit/receive information on the deposit of the provision and the issued point information on the points issued in response to the provision with the affiliate store terminal 20 .

According to an embodiment, the data transmission/reception unit 340 may transmit/receive information on a refund corresponding to the used points to/from the affiliate store terminal 20 .

In addition, the data transmission/reception unit 340 may transmit/receive event information related to an event of the affiliate store terminal 20 to and from the affiliate store terminal 20 .

According to an embodiment, the data transmission/reception unit 340 may transmit/receive event information to and from the consumer terminal 10 .

According to an embodiment, the data transmission/reception unit 340 may transmit/receive location information on the location of the consumer terminal 10 to/from the affiliate store terminal 20 .

The consumer management unit 342 is a management unit that manages information of the consumer terminal 10 that performs use and accumulation of points, and may manage consumer information based on registered consumer information.

According to an embodiment, the consumer management unit 342 may manage information on the consumer terminal 10 that performs charging for points.

Here, the consumer information may include, but is not limited to, consumption pattern information, point accumulation information, point use information, point charging information, and personal information for each member. For example, the consumer information may include card information or account information for recharging points.

According to an embodiment, the consumer management unit 342 may manage consumer information for each member.

According to an embodiment, the consumer management unit 342 may manage consumer information in an integrated manner.

According to an embodiment, the consumer management unit 342 may manage the accumulation history of points issued from the affiliate store terminal 20 for each member.

According to an embodiment, the consumer management unit 342 may manage a history of use of points used in the affiliate store terminal 20 for each member.

According to an embodiment, the consumer management unit 342 may manage the charging history of points charged in the point management server 34 for each member.

According to an embodiment, the consumer management unit 342 may manage the visit history of the affiliate store terminal 20 for each member. Accordingly, the consumer terminal 10 may receive event information conducted in the frequently visited affiliate store terminal 20 .

According to an embodiment, the consumer management unit 342 may record consumer information in the block chain so that only a specific account can manage it. Accordingly, by preventing hacking of consumer information to increase reliability and security, transactions between the consumer terminal 10 and the affiliated store terminal 20 can be actively performed.

The affiliated store management unit 344 is a management unit that manages information of the affiliated store terminal 20 , and may manage the affiliated store terminal 20 based on the affiliated affiliated store information.

According to an embodiment, the affiliate store management unit 344 may manage an allowance for the affiliate store terminal 20 .

According to an embodiment, the affiliate store management unit 344 may manage the issuance of points for each affiliate store.

According to an embodiment, the affiliate store management unit 344 may manage the accumulation of points for each affiliate store.

According to an embodiment, the affiliate store management unit 344 may manage the usage status of points for each affiliate store.

The investment management unit 346 may manage the investment of the remaining provision by converting the remaining provision amount excluding the points used among the deposited provision amount into an investment amount.

In this case, the investment management unit 346 may convert the remaining provision amount to an investment amount only when the remaining provision amount is equal to or greater than a predetermined amount.

For example, when the remaining provision is 30% or more, the investment management unit 346 may request an investment from the investment terminal 40 .

According to an embodiment, the investment management unit 346 may invest the remaining provision into the investment terminal 40 in response to the investment request of the affiliated store terminal 20 .

The management control unit 348 may calculate an expected allowance based on the point use information of the affiliated store terminal 20 and issue points corresponding to the deposited allowance.

Specifically, the management control unit 348 may transmit information on the calculated expected provisioning amount to the merchant terminal 20 and deposit the provision amount deposited from the merchant terminal 20 in response to the information on the expected provision amount.

In addition, the management control unit 348 may calculate the expected provision amount excluding the refund amount from the initial provision amount by using a machine learning technique. That is, after receiving the initial provision, the management control unit 348 may calculate an amount obtained by subtracting the points used for the current month from the initial provision as the expected provision amount. In this case, the used points may be converted into a refund and paid to the affiliated store terminal 20 .

For example, if the initial provision is 9,000,000, the points used in the current month are 4,000,000, and the unused points are 3,800,000, the expected provision for the next month may be the amount of the initial provision (9,000,000) minus the points used (4,000,000) in the previous month (5,000,000) .

In the present embodiment, the expected allowance may be calculated using a machine learning technique, but the present invention is not limited thereto, and the expected allowance may be calculated using a deep learning technique.

According to an embodiment, the management control unit 348 may manage the allowance in the block chain using a smart contract algorithm.

According to an embodiment, the management control unit 348 may manage the remaining provision amount excluding points used and unused points in the initial provision amount.

For example, if the initial provision is 9,000,000, the points used in the current month are 4,100,000, and the unused points are 3,500,000, the remaining provision is the initial provision (9,000,000) minus the points used (4,100,000) and unused points (3,500,000) for the current month (1,400,000).

According to an embodiment, the management control unit 348 may manage the deposit and non-payment of the provision and the expected provision for each affiliate store.

According to an embodiment, the management control unit 348 may manage the deposit and non-payment of the additional provision for each affiliate store.

According to an embodiment, the management control unit 348 may manage an allowance for each closed affiliated store.

According to an embodiment, the management control unit 348 may request an additional allowance from the affiliated store terminal 20 when the unused points are equal to or less than a predetermined amount.

For example, when the unused points are 30% or less, the management control unit 348 may request an additional provision from the affiliated store terminal 20 .

In addition, the management control unit 348 may manage a refund refunded to the affiliated store terminal 20 in response to the used points.

According to an embodiment, the management control unit 348 may manage the payment and non-payment of refunds for each affiliate store.

According to an embodiment, the management control unit 348 may manage the refund for each closed affiliated store.

Also, the management control unit 348 may manage the points issued to the affiliated store terminal 20 .

According to an embodiment, the management control unit 348 may offset and manage the remaining provisions excluding used points and unused points from the provisions deposited for each affiliate store.

According to an embodiment, the management control unit 348 may issue points in response to an allowance entrusted for each affiliate store.

According to an embodiment, the management control unit 348 may manage the points used for each affiliate store.

According to an embodiment, the management and control unit 348 may refund the points issued for each affiliate store whose validity period has passed.

According to an embodiment, the management control unit 348 may manage the points for each closed affiliated store.

Also, the management control unit 348 may manage point charging of the consumer terminal 10 .

According to an embodiment, the management control unit 348 may automatically charge points through a preset payment method when the remaining provision of the consumer terminal 10 is less than or equal to a predetermined amount.

Also, the management controller 348 may generate event information in consideration of affiliate store information and consumer information. In this case, the management control unit 348 may transmit the generated event information to the consumer terminal 10 or the affiliated store terminal 20 .

For example, event information including discount and accumulation information provided by the affiliated store terminal 20 may be generated based on consumption pattern information included in the consumption information.

According to an embodiment, the management control unit 348 may collect the big data and transmit event information generated to the affiliate store terminal 20 .

According to an embodiment, the management controller 348 may provide event information generated based on the location information of the consumer terminal 10 to the consumer terminal 10 .

According to an embodiment, the management controller 348 may provide event information to the consumer terminal 10 in real time based on affiliate store information.

Here, the affiliate store information may include, but is not limited to, individual franchise store information, content information, and the like.

According to an embodiment, the management control unit 348 may refund coupons that have expired.

In addition, the management control unit 348 may receive the principal and interest generated by the investment of the remaining provision from the investment terminal 40 to smoothly operate the point management server 34 .

The point management server 34 having such a structure may issue points in response to the deposited allowance, and refund the amount corresponding to the used points.

The investment terminal 40 may convert the remaining provision into an investment amount to generate an investment return.

According to the embodiment, the investment terminal 40 may be entrusted from the point management server 34 .

According to an embodiment, the investment terminal 40 may pay principal and interest for the investment return to the point management server 34 .

According to an embodiment, the investment terminal 40 may request an additional provision from the point management server 34 when the remaining provision is less than or equal to a predetermined amount.

For example, when the entrusted remaining provision is 30% or less, the investment terminal 40 may request an additional provision to the management server 34 .

Such an investment terminal 40 may separately invest the remaining allowance entrusted from the point management server 34 to generate an investment return and pay the principal and interest corresponding thereto to the point management server 34 .

The operation of the blockchain-based refund type integrated point operation management system 1 according to an embodiment of the present invention having such a structure is as follows. In this embodiment, the blockchain-based refund-type integrated point operation management method has been disclosed as a center of the management server 30, but is not limited thereto.

3 is a diagram for explaining a block chain-based refund type integrated point operation management method according to an embodiment of the present invention, FIG. 4 is a diagram for explaining a method of calculating the expected allowance shown in FIG. 3, FIG. is a diagram for explaining the expected allowance calculated in FIG. 4 , FIG. 6 is a diagram for explaining the accumulation and use of points shown in FIG. 3 , and FIG. 7 is a method for entrusting the remaining allowance shown in FIG. 3 It is a drawing for

First, as shown in FIG. 3 , the point management server 32 may calculate an expected allowance ( S10 ).

Specifically, the point management server 32 refers to FIG. 4 , if the first refund is made to the affiliated store terminal (S100), the point management server 32 uses the average value of the used points, unused points, and remaining provisions to average An allowance can be calculated (S110).

For example, as shown in FIG. 5, the point management server 32 uses the average value (32,900,000) of the points used during October to April, the average value of the unused points (29,000,000), and the average value of the remaining allowance (1,100,000) Thus, the average allowance can be calculated. That is, the point management server 32 may calculate an average allowance of 9,000,000 using an average value of an average of 7 months.

Next, the point management server 32 may calculate a refund to be paid in the following month (S120). That is, the point management server 32 may calculate a refund for the current month by using the points used in the previous month.

For example, as shown in FIG. 5 , the point management server 32 calculates a refund of 4,000,000 to be paid to the merchant terminal 20 in November by using the points (4,000,000) used in October, and in November Calculates 4,100,000 refund to be paid to the merchant terminal 20 in December using the points (4,100,000) used in Calculating a refund of 4,700,000, using the points (5,100,000) used in January to calculate a refund of 5,100,000 to be paid to the merchant terminal 20 in February, and using the points (5,200,000) used in February in March 5,200,000 of the refund to be paid to the affiliated store terminal 20 may be calculated, and 4,800,000 of the refund to be paid to the affiliated store terminal 20 in April may be calculated using the points (4,800,000) used in March.

Next, the point management server 32 may check the unused points and, if the unused points are 30% or more (S130), check the remaining allowance (S140), and calculate an expected allowance (S150).

The point management server 32 may calculate the sum of the unused points and the remaining provision as an expected provision. In other words, the estimated provision amount can be calculated by subtracting the points used in the previous month from the total provision amount.

In other words, the provision for the current month may be equal to the sum of the points used, the unused points, and the remaining provision for the current month.

For example, as shown in Figure 5, if the unused points in October are 3,800,000, the remaining provision is 1,200,000, the October provision is 9,000,000, and the points used in October is 4,000,000, the expected provision for November is 5,000,000 can be

On the other hand, if it is not the case of the first refund to the affiliated store terminal (S100), the point management server 32 may check the points used for power (S160), and calculate the refund amount for the current month.

Then, the point management server 32 may check the unused points and, if the unused points are 30% or less (S130), may request an additional allowance to the affiliated store terminal 20 (S170).

Next, the point management server 32 may transmit the calculated expected allowance to the affiliated store terminal 20 .

Next, the affiliated store terminal 20 receiving the expected provision may deposit the provision in the point management server 34 (S11).

Next, the point management server 32 may issue a point corresponding to the deposited provision to the affiliated store terminal 20 (S12).

Next, when consumption occurs due to a transaction between the consumer terminal 10 and the affiliated store terminal 20 , the consumer terminal 10 purchases various contents from the affiliated store terminal 20 and payment can be made ( S13 ).

Next, the affiliated store terminal 20 may pay points corresponding to the payment to the consumer terminal 10 .

For example, as shown in FIG. 6 , the affiliated store terminal 20 may accumulate or deduct points in response to a payment amount using consumer information.

Accordingly, the consumer terminal 10 may accumulate points in response to payment (S14). In this case, the consumer terminal 10 may pay the actual payment amount excluding discounts, reserves, and shipping costs.

Next, the affiliated store terminal 20 may receive a settlement for the payment of the consumer terminal 10 from the payment settlement management server 32 (S15).

Next, the point management server 34 may calculate a refund by checking the used points paid from the affiliated store terminal 20 to the consumer terminal 10 ( S16 ).

Next, the point management server 34 may pay the calculated refund to the affiliated store terminal 20 in the next month (S17).

Finally, the point management server 34 may entrust the remaining provision to the investment terminal 40 (S18).

Specifically, referring to FIG. 7 , the point management server 32 determines whether the remaining provision is entrusted (S200), and when the remaining provision is 30% or more (S210), the remaining provision can be converted into an investment amount (S210). S220).

Next, the investment terminal 40 may make a distributed investment using the entrusted investment amount (S230), and may pay the principal and interest generated by the investment of the remaining provision to the point management server 32 (S240).

On the other hand, when the remaining provision is 30% or less (S210), the investment terminal 40 may request an additional provision from the point management server 32 (S250, S260).

And, FIG. 8 is a view for explaining various embodiments of the payment process shown in FIG. 3 , and FIG. 9 is a view for explaining a method of generating the event information shown in FIG. 8 .

Referring to FIG. 8 , the consumer terminal 10 may check the event information to confirm the actual payment amount excluding discounts, reserves, and shipping costs ( S300 ).

Next, when the consumer terminal 10 pays the total amount of the actual payment with points (S310), when the points are insufficient (S320), the consumer terminal 10 may automatically charge the points to proceed with the payment (S330 and S340). That is, the consumer terminal 10 may automatically charge points through a preset payment method when the remaining provision is less than or equal to a certain amount. In this case, the payment method may be a bank account or a credit card, but is not limited thereto.

According to an embodiment, a lump-sum payment, a discount from a telecommunication company, etc. may be made at the same time as points are deducted at the time of payment.

Contrary to this, the consumer terminal 10 may not pay the actual payment amount in full with points, but may pay some amount after deducting the points through a separate payment method.

Meanwhile, referring to FIG. 9 , looking at a method of generating event information, the point management server 34 may collect information ( S400 ).

Here, the consumer information may include consumption pattern information, point accumulation information, point use information, point charging information, and personal information for each member, and the affiliated store information may include individual merchant information and content information, but is not limited thereto. .

For example, the point management server 34 may collect consumer information and affiliate store information.

Next, the point management server 34 may standardize the collected information (S410) and generate event information in consideration of the consumer's consumption pattern and the discount information of the affiliated store (S420).

Here, the event information may include discount information and coupons, but is not limited thereto.

Next, the point management server 34 may receive the location information from the consumer terminal 10 and confirm the location of the consumer terminal (S430).

Next, the consumer terminal 10 may be provided with event information of the affiliated store terminal 20 located within a preset distance (S440, S450).

The steps of a method or algorithm described in relation to an embodiment of the present invention may be implemented directly in hardware, as a software module executed by hardware, or by a combination thereof. A software module may be a random access memory (RAM), read only memory (ROM), erasable programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), flash memory, hard disk, removable disk, CD-ROM, or It may reside in any type of computer-readable recording medium well known in the art.

As mentioned above, although embodiments of the present invention have been described with reference to the accompanying drawings, those skilled in the art to which the present invention pertains can realize that the present invention can be embodied in other specific forms without changing its technical spirit or essential features. you will be able to understand Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive.

10: consumer terminal
20: Merchant terminal
32: payment settlement management server
34: point management server
40: investment terminal

Claims (10)

depositing, by the management server, an allowance for the affiliated store terminal;
issuing, by the management server, a point corresponding to the provision to the affiliated store terminal; and
When the consumer terminal that has accumulated the points uses the points, the management server includes the step of paying a refund corresponding to the used points to the point merchant;
The management server refunds the refund to the affiliated store terminal in the next month, a block chain-based refund-type integrated point operation management method. According to claim 1,
The management server managing the provision in the block chain using a smart contract algorithm; Containing, a block chain-based refund type integrated point operation management method. 3. The method of claim 2,
Requesting, by the management server, an expected provision amount calculated by excluding the refund amount from the initial provision amount using a machine learning technique to the affiliated store terminal; 4. The method of claim 3,
The expected provision is an amount excluding the used point from the initial provision, a block chain-based refundable integrated point management method. According to claim 1,
Containing, a block chain-based refund-type integrated point management method, including; the management server converting the distributed points of the consumer terminal to the integrated processing of the points. According to claim 1,
When the consumer terminal uses the points in the affiliated store terminal, the management server performs discount and accumulation at the same time;
The affiliated store terminal pays the points to the consumer terminal when a preset condition is met,
The affiliated store terminal pays the points in an amount obtained by multiplying the actual payment amount excluding discounts, reserves, and shipping costs by the accumulation rate according to the grade of the consumer terminal, a block chain-based refundable integrated point management method. According to claim 1,
The management server collects the consumption pattern of the consumer terminal and provides event information of the affiliated store terminal in real time, a block chain-based refund-type integrated point operation management method. 8. The method of claim 7,
The management server uses a location-based service to provide event information of the affiliated store terminal within a preset distance of the consumer terminal, a blockchain-based refund type integrated point operation management method. A point management server that deposits the provision received from the merchant terminal, issues a point corresponding to the deposited provision to the merchant terminal, and pays a refund corresponding to the points used by the consumer terminal to the merchant terminal; and ,
The point management server calculates the expected provision amount excluding the points used in the initial provision, a block chain-based refundable integrated point management system. 10. The method of claim 9,
An investment terminal that converts the remaining allowance excluding the used points from the allowance into an investment amount to generate an investment return; further comprising, a blockchain-based refundable integrated point management system

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