KR20220089812A - A offline mileage payment system using virtual currency - Google Patents

Abstract

It relates to a virtual currency-based offline mileage payment system, in which mileage points exchanged for virtual currency are issued and paid to users regularly, and when mileage points are paid at offline merchants, mileage points are paid in proportion to the commission. customer register to create and register customer accounts for; A merchant register for creating and registering a customer account for mileage points of a merchant, and registering a mileage payment rate; an exchange rate setting unit that sets an exchange rate between virtual currency and mileage points; a mileage charging unit that charges customers' mileage points purchased by virtual currency and accumulates them in the customer's account; A mileage payment unit that pays for the fee for products or services of the merchant, but pays the fee corresponding to the mileage payment rate with mileage points, and a virtual currency that exchanges mileage points with virtual currency at the request of the customer or merchant A configuration including a money exchange unit is provided.
By issuing mileage points that are exchanged with virtual currency by the system as described above, and paying users in advance, it is possible to induce service subscription and improve convenience according to universal use.

Description

Virtual currency-based offline mileage payment system { A offline mileage payment system using virtual currency }

The present invention relates to a virtual currency-based offline mileage payment system, in which mileage points exchanged for virtual currency are issued and paid to users on a regular basis, and when mileage points are paid at an offline affiliate store, mileage points of a commission rate are paid.

In general, tourism markets (rental car, lodging, leisure) are provided by tourists with transportation reservations (air ticket reservations, etc.) according to the itinerary for each course and tourism products related to accommodation. In addition, each tourist group such as a local government or local merchant's association is developing regional tourism resources in terms of hotels/resorts/accommodations/pensions, tourism resources and cultural assets, restaurants, leisure activities of travelers, tourism geography and humanities geography. In particular, each organization induces a large number of tourists and visitors to visit major tourist destinations by holding various conferences and exhibitions, regional cultural tourism festivals, folk events, and regional events.

In addition, technologies for attracting customers such as travelers by using mileage or discount coupons in connection with tourist destinations have been proposed. As an example, a technology for discounting the rates of accommodation facilities, restaurants, leisure facilities, shopping towns, etc. in tourist destinations to customers who use rental car rental and payment services has been proposed [Patent Document 1]. As another example, a technology for providing various travel products and integrating and managing customer mileage using them has been proposed [Patent Document 2]. In addition, a technique for grouping a plurality of product item codes in a travel destination into one code to make a multi-discount coupon, and to purchase a product more inexpensively with the multi-discount coupon is also proposed [Patent Document 3].

However, the prior art has a problem in that it is difficult to be widely accepted by customers such as travelers by limiting mileage or coupons to specific services. Therefore, there is a need for a discount means related to travel products having more universal use, such as mileage or coupons according to the prior art.

Korean Patent Publication No. 10-1886850 (2018.09.10. Announcement) Korean Patent Publication No. 10-2008-0004858 (published on October 10, 2008) Korean Patent Publication No. 10-1579260 (Notice on Dec. 21, 2015)

It is an object of the present invention to solve the above-mentioned problems, to issue mileage points that are exchanged for virtual currency, to periodically pay the users, and to receive mileage points of a commission rate when the mileage points are paid at an offline affiliate store; It is to provide a virtual currency-based offline mileage payment system.

In addition, it is an object of the present invention to provide a virtual currency-based offline mileage payment system in which the payment ratio by mileage points for service charges is set and customized at each offline affiliated store.

It is also an object of the present invention to provide a virtual currency-based offline mileage payment system that limits whether or not to exchange for mileage points paid in advance to virtual currency, an exchange rate, expiration date, and the like.

In order to achieve the above object, the present invention relates to a virtual currency-based offline mileage payment system that is connected to a customer terminal and an affiliated store terminal and is connected to a virtual currency server. A customer who creates and registers a customer account for the customer's mileage points register; A merchant register for creating and registering a customer account for mileage points of a merchant, and registering a mileage payment rate; an exchange rate setting unit that sets an exchange rate between virtual currency and mileage points; a mileage charging unit that charges the customer's mileage points purchased by virtual currency and accumulates in the customer's account; A mileage payment unit that pays for the fee for products or services of the merchant, but pays the fee corresponding to the mileage payment rate with mileage points, and a virtual currency that exchanges mileage points with virtual currency at the request of the customer or merchant It is characterized in that it includes a money exchange unit.

In addition, in the present invention, in the virtual currency-based offline mileage payment system, the exchange rate setting unit sets the exchange rate so that the value ratio of mileage points to virtual currency is at least 50% or less based on legal currency within a reference range characterized.

In addition, the present invention is characterized in that in the virtual currency-based offline mileage payment system, the lower end of the reference range is 5% or more, and the upper end of the reference range is set to 50% or less.

In addition, the present invention is characterized in that in the virtual currency-based offline mileage payment system, the exchange rate setting unit is fixed and maintained for a predetermined period of time, and readjusted when the value ratio is out of the reference range.

In addition, the present invention is a virtual currency-based offline mileage payment system, wherein the system is characterized in that it further includes a mileage advance payment unit that prepays mileage points free of charge and accumulates them in each customer account.

In addition, the present invention is characterized in that in the virtual currency-based offline mileage payment system, the mileage advance payment unit regularly prepays mileage points.

In addition, in the present invention, in the virtual currency-based offline mileage payment system, the mileage points of the customer account are divided into a restricted point having a usage restriction and an unlimited point having no usage restriction, and the restriction point is a period of use or virtual currency. It is characterized in that the function of whether to exchange is limited, purchased mileage points or paid mileage points are provided as unlimited points, and prepaid mileage points are provided as limited points.

As described above, according to the virtual currency-based offline mileage payment system according to the present invention, by issuing mileage points exchanged for virtual currency and paying the user in advance, it is possible to induce service subscription, and convenience according to universal use An improvement effect is obtained.

In addition, according to the virtual currency-based offline mileage payment system according to the present invention, by allowing each offline affiliate to determine the payment ratio of mileage points, an effect of providing autonomy to suit the situation of the offline affiliate is obtained.

1 is a block diagram of an entire system for implementing the present invention.
Figure 2 is a block diagram of the configuration of a virtual currency-based offline mileage payment system according to an embodiment of the present invention.

Hereinafter, specific contents for carrying out the present invention will be described with reference to the drawings.

In addition, in demonstrating this invention, the same part is attached|subjected by the same code|symbol, and the repetition description is abbreviate|omitted.

First, the configuration of the entire system according to an embodiment of the present invention will be described with reference to FIG. 1 .

As shown in FIG. 1 , the entire system according to an embodiment of the present invention includes a customer terminal 10 used by customers such as travelers, a customer client 11 installed in the customer terminal 10, and an affiliated store terminal 20 installed in the affiliated store. ), a mileage server 30 that manages mileage, and a virtual currency server 50 that manages a virtual currency transaction or virtual currency network 60 . In addition, it may be configured to further include a database 40 for storing data related to mileage. In addition, the customer terminal 10, the affiliated store terminal 20, the mileage server 30, the virtual currency server 50, etc. are connected to the network 80 to perform data communication.

First, the customer terminal 10 is a computing terminal used by customers, such as travelers, and is a mobile terminal equipped with a normal computing function, such as a smart phone, a phablet, and a tablet PC. In particular, the customer terminal 10 is a terminal in which an application or a mobile application (or an app, an application) can be installed and executed.

Next, the customer client 11 is a mobile application (or app, application) that is installed and executed in the customer terminal 10, and interworks with the mileage server 30 or the virtual currency server 50 to manage mileage or virtual It is a program system that provides currency services.

Specifically, the customer client 11 registers a customer account in the mileage server 30 and provides a mileage service by interworking with the mileage server 30 . In particular, since the customer client 11 and the mileage server 30 are built as a client-server system, the functions of the entire system can be shared according to the performance of the client or the amount of communication with the server.

Mileage points are managed for each customer account. In particular, when mileage points are additionally purchased, the balance of the mileage points is increased by the purchase amount, and when used for payment, the balance is deducted from the balance by the payment amount.

Meanwhile, mileage points are divided into restricted points (or limited mileage points) having usage restrictions and unlimited points (or unlimited mileage points) having no usage restrictions. The mileage points provided free of charge by the mileage server 30 are limited points, and the mileage points directly purchased by the customer client 11 are unlimited points.

The customer client 11 receives mileage points from the mileage server 30 or performs payment at the affiliate store using the mileage points. In this case, the customer client 11 pays only an amount equal to the payment ratio out of the total payment amount with mileage points according to the payment ratio assigned to the corresponding affiliate store.

In addition, the customer client 11 is provided with a virtual currency wallet to provide a virtual currency service. In particular, the customer client 11 is linked with the virtual currency server 50 or the virtual currency network 60, and can purchase mileage points with their own virtual currency.

In addition, the customer client 11 may exchange the mileage points they own for virtual currency.

Next, the affiliated store terminal 20 is a computing terminal used in the affiliated store, and is a terminal equipped with a normal computing function, such as a PC, a notebook computer, a smart phone, a phablet, and a tablet PC. In particular, the affiliated store terminal 20 is a terminal in which an application (or a mobile application), etc. can be installed and executed.

In addition, an affiliated store client (not shown) is installed in the affiliated store terminal 20 to provide mileage management or virtual currency service for the affiliated store by interworking with the mileage server 30 or the virtual currency server 50 . Hereinafter, for convenience of description, it will be described that the affiliated store terminal 20 acts as such a client.

Specifically, the affiliated store terminal 20 registers the affiliated store account with the mileage server 30 . The merchant account manages mileage points.

In addition, the affiliated store terminal 20 sets and registers a mileage payment ratio for the fee of its own product or service. The payment rate refers to the percentage of the total fare that can be paid with mileage points.

In addition, the affiliated store terminal 20 performs a payment service with mileage points in conjunction with the customer client 11 . In this case, the payment fee for the mileage points is determined as a fee according to the payment ratio among service charges (or product charges).

In addition, when payment is made with mileage points by the customer client 11 , the affiliated store terminal 20 works with the mileage server 30 to accumulate mileage points in the affiliated store account.

In addition, the affiliated store terminal 20 may exchange the accumulated mileage points for virtual currency.

Next, the mileage server 30 is a server that manages mileage points, and provides a service in conjunction with the customer client 11 or the affiliated store terminal 20 . In particular, the mileage server 30 and the customer client 11 may be constructed according to the configuration method of the server-client system. That is, the functions of the entire system can be divided according to the performance of the client or the amount of communication between the server and the server.

Specifically, the mileage server 30 registers and manages customers or affiliated stores as members, but creates and manages customer accounts or affiliated store accounts for each customer or each affiliated store. A customer account or a merchant account is an account that manages mileage points.

In addition, the mileage server 30 receives and registers the payment rate of each affiliated store according to the request of each affiliated store. The payment rate (or mileage payment rate) refers to the rate of payment with mileage points among the payment amount. That is, the mileage points are paid as much as the payment ratio among the payment amount for the service or product of the affiliated store, and the remaining amount is paid in ordinary currency such as cash or credit card.

In addition, the mileage server 30 receives a request from the customer client 11 or the affiliated store terminal 20 to process the payment transaction. A payment transaction refers to a transaction in which the payment amount is paid in mileage points at the affiliated store. The mileage server 30 deducts or accumulates mileage points from the mileage account of the corresponding customer or affiliated store according to the usage details of the mileage points according to the payment transaction.

In addition, the mileage server 30 issues mileage points, which are regularly paid or sold to the customer clients 11 .

That is, the mileage server 30 may periodically and free of charge prepay (or prepay) mileage points to the registered customer.

Also, the mileage server 30 sells mileage points to customers. At this time, it is sold in cryptocurrency. That is, the customer client 11 purchases mileage points with the customer account, and the purchase amount of the mileage points is paid from the customer's virtual currency account to the server's virtual currency account through the virtual currency server 50 .

In addition, the mileage server 30 exchanges mileage points for virtual currency. That is, the mileage server 30 exchanges the mileage points accumulated in the customer account or the affiliated store account for virtual currency according to the request of the customer client 11 or the affiliated store terminal 20 .

In this case, preferably, the mileager server 30 may exchange the prepaid mileage points for virtual currency or set an expiration date.

Next, the virtual currency server 50 provides a virtual currency transaction service based on the virtual currency network 60 .

The virtual currency network 60 is composed of a block chain network for virtual currency transactions. In particular, the virtual currency network 60 is composed of a block chain network for normal virtual currency.

Next, the database 40 is a customer information DB 41 for storing customer information such as customer accounts, a merchant DB 42 for storing merchant information such as a merchant account and payment ratio, and a payment to store transactions paid at each merchant The information DB 43 may be configured. However, the configuration of the database 40 is only a preferred embodiment, and in developing a specific device, it may be configured in a different structure according to the database construction theory in consideration of the ease and efficiency of access and search.

Next, the configuration of the virtual currency-based offline mileage payment system according to an embodiment of the present invention will be described in more detail with reference to FIG. 2 . The mileage payment system according to the present invention may be implemented as a server-client system including the customer client 11 and the mileage server 30 above.

As shown in FIG. 2 , the virtual currency-based offline mileage payment system 30 according to an embodiment of the present invention includes a customer register 31 for registering customers, an affiliate store register 32 for registering affiliates, virtual currency and mileage An exchange rate setting unit 33 for setting the exchange rate of points, a mileage charging unit 34 for charging mileage points, a mileage payment unit 35 for processing payment with mileage points, and a virtual currency exchange for mileage points It is composed of a cryptocurrency exchange unit (36). Additionally, it may be configured to further include a mileage advance payment unit 37 for pre-paying mileage.

First, the customer registration unit 31 registers a customer as a member, receives customer information such as a customer name and contact information, and registers the customer. In addition, the customer registration unit 31 creates and registers a customer account for the customer's mileage points.

On the other hand, the mileage points of the customer account are divided into restricted points (or limited mileage points) having usage restrictions and unlimited points (or unlimited mileage points) having no usage restrictions.

Restriction points are mileage points that are limited for functions such as use period or virtual currency exchange. The limitation of the period of use must be used within a certain fraudulent period (eg, 1 month, 6 months, 1 year, etc.)

In addition, as for the limitation of the usage period of the restriction points, the usage period may be set differently for each restriction point.

In addition, the virtual currency exchange restriction refers to the restriction that the corresponding mileage points cannot be exchanged for virtual currency. Therefore, the restricted points are used only for payment by mileage points and cannot be exchanged for virtual currency.

Next, the affiliated store registration unit 32 registers the affiliated store as a member, receives affiliate store information such as the affiliated store name and contact information, and registers it.

In addition, the affiliated store registration unit 32 creates and registers a customer account for the mileage points of the affiliated store. In addition, the affiliated store registration unit 32 receives and registers the mileage payment ratio for the fee of its own product or service. That is, the mileage payment rate may be set separately for each affiliate store. In this case, the payment ratio refers to a ratio that can be paid with mileage points among the total fares.

On the other hand, the product or service fee is set as an amount in legal currency (KRW, etc.). Also, mileage points use fiat currency units. That is, k points (points) of mileage points correspond to k won in Korean Won.

As an example, if the accommodation fee for one night is set at 100,000 won and the mileage payment rate is set to 30%, 70% of the service fee is paid in KRW 70,000 and the remaining 30% is paid in 30,000 mileage points (points) can be

Next, the exchange rate setting unit 33 sets the exchange rate of virtual currency and mileage points.

In particular, the exchange rate is set so that the value of mileage points in fiat currency is at least 1/2 (50%) or less compared to the value of virtual currency (ie, value ratio). In other words, the value ratio represents the ratio of the value of mileage points to virtual currency based on fiat currency. The reference range is a range of a ratio, and the range of the ratio refers to a range within a ratio of 50% or less. That is, the range of 2%-50%, the range of 5%-45%, etc. are all ranges within the ratio of 50% or less.

Preferably, the value ratio is set to be within a predetermined reference range. More preferably, the lower end of the reference range is set to 1/20 (5%) or more, and the upper end of the reference range is set to 1/2 (50%) or less.

A low value ratio should motivate customers to purchase mileage points. In other words, if you pay 30% of the accommodation cost with mileage points, you can actually save 15% (= 30% × 50%) of the accommodation cost by purchasing the mileage points at 50% cheaper than legal currency. In this case, the lower the value ratio, the more savings the customer can make.

As an example, since mileage points use fiat currency units, 10,000 mileage points can be used as fiat currency 10,000 won. At this time, it is assumed that 10 coins are exchanged for fiat currency 10,000 won. The exchange rate between fiat currency and virtual currency is determined in the virtual currency market.

Therefore, if 10,000 mileage points are exchanged for 5 virtual currency coins, as a result, 10,000 mileage points can be exchanged for 5,000 won in fiat currency. Therefore, it can be seen that the value of mileage points is 1/2 of the value of virtual currency based on fiat currency. In other words, the value ratio of mileage points is 1/2 or 50%. In addition, if 10,000 mileage points are exchanged for 1 cryptocurrency, 10,000 mileage points can be exchanged for KRW 1,000 in fiat currency, so it can be seen that the value of mileage points is 1/10 of the value of virtual currency. That is, the value ratio is 10%.

In addition, the exchange rate setting unit 33 maintains the exchange rate fixed for a predetermined period of time, or fixed and maintained until the value rate is within the reference range.

As an example, the exchange rate setting unit 33 may maintain a fixed exchange rate for one year and adjust the exchange rate every year. Alternatively, the exchange rate setting unit 33 may readjust the exchange rate when the value ratio exceeds 50% even if one year has not elapsed.

On the other hand, virtual currency and fiat currency are determined by the virtual currency market. Therefore, the value of virtual currency based on fiat currency may fluctuate. For example, 10 virtual currency coins can be exchanged for fiat currency 10,000 won, but only 5 virtual currency coins can be exchanged for fiat currency 10,000 won as the value of virtual currency increases. That is, in this case, the value of the virtual currency has doubled in terms of legal currency.

Assume that the exchange rate is set to exchange 10,000 mileage points for 2 virtual currency coins. At this time, if 10 virtual currency coins are exchanged for 10,000 won in fiat currency initially, the value of mileage points is 20%. However, if the value of the virtual currency rises and you exchange 5 virtual currency coins for 10,000 won in fiat currency, the value of the mileage points increases to 40%.

In other words, when the value of virtual currency rises, the value of mileage points relative to fiat currency also rises. Therefore, from the point of view of the merchant, if the value of the virtual currency goes up by holding the mileage points accumulated through payment for a long time, more profit can be left.

Next, the mileage charging unit 34 purchases mileage points by each customer, and accumulates and charges the purchased mileage points in the corresponding customer account. At this time, mileage points are purchased with virtual currency. At this time, virtual currency is exchanged for mileage points according to the exchange rate set above.

Specifically, each customer or each customer terminal 10 and the mileage server 30 hold a virtual currency account, and the customer terminal 10 pays the mileage points in virtual currency. At this time, the payment by virtual currency is transferred from the virtual currency account of each customer to the virtual currency account of the mileage server 30 . On the other hand, payment or remittance by virtual currency is performed on the virtual currency network 60 by the virtual currency server 50 .

Next, the mileage payment unit 35 performs payment by the merchant's product or service fee, but pays a fee corresponding to the mileage payment ratio among the product or service fees using mileage points.

That is, the mileage payment unit 35 receives the total fee of the service product or service, multiplies the total fee by the mileage payment ratio, and calculates a payment fee (mileage payment fee) to be paid by mileage points.

In addition, the mileage payment unit 35 deducts mileage points from the customer's customer account and increases and accumulates mileage points from the affiliated store account of the affiliated store as much as the mileage payment fee. That is, as much as the mileage payment fee is transferred from the customer account to the merchant account.

Next, the virtual currency exchange unit 36 exchanges mileage points with virtual currency according to the request of the customer or affiliated store. At this time, the mileage points are exchanged for virtual currency according to the exchange rate set above.

Specifically, the virtual currency exchange unit 36 sells the accumulated mileage points in the customer account or the affiliated store account at the request of the customer or affiliated store, and deducts the sold mileage points from the customer or affiliated store account. At this time, the purchase price is paid to the customer or affiliated store in virtual currency.

That is, mileage points are sold to the server by each customer or affiliated store, and the corresponding mileage points are deducted from the customer account or affiliated store account. At this time, the sale price of mileage points is paid in virtual currency. That is, the sales proceeds of virtual currency are transferred from the virtual currency account of each server to the virtual currency account of each customer or affiliated store. On the other hand, payment or remittance by virtual currency is performed on the virtual currency network 60 by the virtual currency server 50 .

Next, the mileage advance payment unit 37 prepays mileage points free of charge to each customer account. In particular, preferably, the mileage advance payment unit 37 pays the mileage points in advance on a regular basis.

Meanwhile, the prepaid mileage points are accumulated in the mileage points of the corresponding customer account. Further, preferably, the prepaid mileage points are limited points or limited mileage points. That is, the prepaid mileage points have a limit on the period of use or have a limit that cannot be exchanged for virtual currency.

As mentioned above, although the invention made by the present inventors has been described in detail according to the embodiments, the present invention is not limited to the embodiments, and various changes can be made without departing from the gist of the present invention.

10: customer terminal 11: customer client
20: Merchant terminal
30: mileage server 31: customer register
32: Merchant register 33: Exchange rate setting unit
34: mileage charging unit 35: mileage payment unit
36: cryptocurrency exchange unit 37: mileage advance payment unit
40: database
50: virtual currency server 60: virtual currency network
80: network

Claims (7)

In a virtual currency-based offline mileage payment system connected to a customer terminal and a merchant terminal, and connected to a virtual currency server,
a customer register for creating and registering customer accounts for customer mileage points;
A merchant register for creating and registering a customer account for mileage points of a merchant, and registering a mileage payment rate;
an exchange rate setting unit that sets an exchange rate between virtual currency and mileage points;
a mileage charging unit that purchases mileage points with virtual currency in response to a customer's purchase request, charges the customer's mileage points, and accumulates them in the customer account;
A mileage payment unit that pays for the fee of the merchant's product or service, but pays the fee corresponding to the mileage payment ratio with mileage points;
A virtual currency-based offline mileage payment system comprising a virtual currency exchange unit that exchanges mileage points with virtual currency in response to a request from a customer or affiliated store.
According to claim 1,
The exchange rate setting unit is a virtual currency-based offline mileage payment system, characterized in that it sets the exchange rate so that the value ratio of mileage points to virtual currency is at least 50% or less based on legal currency.
3. The method of claim 2,
The lower end of the reference range is 5% or more, and the upper end of the reference range is 50% or less.
3. The method of claim 2,
The exchange rate setting unit is fixed and maintained for a predetermined period of time, but is readjusted when the value ratio is out of the reference range.
According to claim 1,
The system, virtual currency-based offline mileage payment system, characterized in that it further comprises a mileage advance payment unit for accumulating in each customer account by prepaying mileage points free of charge.
6. The method of claim 5,
The mileage advance payment unit is a virtual currency-based offline mileage payment system, characterized in that the mileage points are paid in advance on a regular basis.
6. The method of claim 5,
The mileage points of the customer account are divided into limited points having usage restrictions and unlimited points not having usage restrictions, and the restriction points are limited with respect to the period of use or the function of whether to exchange virtual currency,
A virtual currency-based offline mileage payment system, characterized in that purchased mileage points or paid mileage points are provided as unlimited points, and prepaid mileage points are provided as limited points.

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