KR20220107842A - Point-based deduction service system - Google Patents

Abstract

The present invention relates to a point-based deduction service system. By making it possible to pay deduction installments (hereinafter, referred to as deductions) based on card points, the burden of paying deductibles for member companies is reduced. By allowing card points that may be lost to be integrated and utilized into one, member companies can enjoy benefits such as loans. The point-based deduction service system includes: a group terminal that registers connected member companies, recommends registered member companies to join the mutual aid association, and requests payment of member company card points according to the use of member companies' deduction cards as deduction money; and a mutual aid company server which requests issuance of a mutual aid card in conjunction with a card issuer server when a recommendation to join the Mutual Aid Association occurs, and which maps and manages member company information and deduction card information of deduction cards issued to member company terminals, wherein points accrued from the use of deduction cards are used to process deduction payments and deduction services.

Description

Point-based deduction service system

The present invention relates to a point-based deduction service system, and in particular, by enabling payment of deduction installments (hereinafter referred to as "deductible deductibles") based on card points, it reduces the burden of deductible payment by member companies and can be lost It relates to a point-based deduction service system that allows member companies to enjoy benefits such as loan funds by integrating card points into one.

Professional mutual aid associations are operated for the purpose of providing guarantee and loan services to members and performing various issuance services. Currently, there are many specialized mutual aid associations in Korea, such as the Construction Mutual Aid Association, the Electrical Construction Mutual Aid Association consisting of registered companies for electric construction business, the Software Mutual Aid Association, and the Engineering Mutual Aid Association.

Typically, each professional mutual aid association provides guarantees and loans to its members, while generating profits by receiving guarantee insurance fees and interest fees on loans from members. In this relationship, when members run the business supported by the professional mutual aid association well to increase their performance and reduce various business operating expenses such as labor cost and consumables purchase cost through efficient business processes, the professional mutual aid association will continue to secure a stable source of income. it will be possible

Accordingly, various online services are provided for professional mutual aid associations and members who have joined professional mutual aid associations, and online collaboration services that can reduce business operation costs according to service usage performance are being implemented.

Here, a member company or members joining a mutual aid association can maintain their status as a member of the mutual aid association only by paying a certain amount of deductible. Sometimes these deductibles can be a burden on the member company or members.

Meanwhile, corporations and individuals who use the card receive points according to the card usage performance from the card company. These points are automatically expired after a certain period of time unless a corporation or individual collects them directly.

In particular, when the individual points are weak, they tend to ignore them, but when the points lost every year are converted into an amount, it is known that the amount is very large.

Therefore, research is being conducted on a method that can directly benefit card users without losing the points that individuals or corporations use and acquire by using the card.

Conventionally researched techniques to utilize card points are disclosed in <Patent Document 1> to <Patent Document 5>.

<Patent Document 1> states that when a consumer makes a transaction such as purchasing an item through a merchant, the merchant accumulates a certain number of points according to the purchase of the item to the consumer, thereby maintaining the consumer as a constant customer. Provides a way to earn points.

In addition, <Patent Document 2> states that, through the basic credit card company's computer network and system, supporters of each club use credit cards in their daily lives, and support the designated club with cash back accumulated according to the use of the card, as well as the designated player of the member. Through the user database search step of the credit card company, differential cashback accumulation between members according to the victory or defeat of the game and differential service according to individual sports performance are provided.

In addition, <Patent Document 3> relates to a collaboration server that provides various online services for members who have joined the professional mutual aid association and allows the members to deduct the business operating expenses of the members by the amount corresponding to the accumulated points. Members can reduce business operation costs by managing business operation cost details and reducing costs due to integrated purchases, and furthermore, by using the accumulated point amount.

In addition, <Patent Document 4> can reduce the burden of work related to points (store points) provided to customers in return for purchases in stores, and also credit cards for payment without requiring additional information such as phone numbers from the customer side. It provides a credit card-based point management system that allows you to process quickly and efficiently use store points.

In addition, <Patent Document 5> integrates the bonus point system between affiliates offline, and at the same time integrates the bonus point system between affiliates online as well, and further integrates the bonus point system both offline and online, so that each other offline and online. It provides a system that can be integrated, exchanged, or converted.

However, although it is possible to integrate card points or use these prior art for other purposes, these prior technologies pay deductibles using card points, and use these card points to pay deductibles and cannot receive benefits such as loans based on them. There are disadvantages.

Republic of Korea Patent Publication No. 2002-0069600 (published on May, 2002.09.00) (Method of earning points according to card use) Korean Patent Laid-Open Patent No. 10-2004-0065370 (published on July 22, 2004) (Credit card company's supporter card operation and utilization system and method for accumulated cashback points) Republic of Korea Patent Publication No. 10-2010-0064059 (published on June 14, 2010) (collaboration server for members who have joined the professional mutual aid association) Republic of Korea Patent Publication No. 10-2016-0046771 (published on April 29, 2016) (Credit card-based point management system and method) Republic of Korea Registered Utility Model 20-0275251 (Registered on April 30, 2002) (Integrated strategic alliance system with integrated point marketing)

Therefore, the present invention is proposed to solve the disadvantages of not being able to receive the deduction service through the use of general card points as described above and various problems occurring in the prior art. A point-based deduction service system that reduces the burden of paying deductibles for member companies by allowing them to pay Its purpose is to provide

Another object of the present invention is to recruit member companies through organizations, etc., and pay deductibles using card issuance fees generated when the recruited member companies and members are issuing cards and card points generated according to the use of cards, and It is to provide a point-based deduction service system to promote profit creation.

Another object of the present invention is to provide a point-based mutual aid service system so that members' solidarity can be strengthened through mutual aid subscription through member company recommendation.

In order to achieve the above object, "point-based deduction service system" according to the present invention,

a group terminal that registers the connected member company, recommends the registered member company to join the mutual aid association, and requests payment of member company card points according to the member company's use of the credit card as a deductible;

When a recommendation to join a mutual aid association occurs by the group terminal, it requests the issuance of a credit card in conjunction with the card issuer server, maps and manages the member company information and the credit card information of the credit card issued to the member company terminal, and deduction a mutual aid company server that processes the payment of deductibles and deduction services with points generated according to the use of the card; and

and a card issuer server that issues the requested deduction card in conjunction with the deduction company server and settles card points generated according to the use of the issued deduction card to the deduction company server.

In the above, when a recommendation to join a mutual aid association occurs from the group terminal, the mutual aid company server determines whether it is an initiating organization or a new organization, and differentially determines the mutual aid amount based on the determined group information.

In the above, when a member company joins as a mutual aid association and issuance of a mutual aid card occurs, the mutual aid company server acquires the issuance fee of the generated mutual aid card from the card issuer server, and distributes the issuance fee of the acquired mutual aid card to the group terminal It is characterized by sharing the profits.

In the mutual aid company server, the mutual aid subscription guide unit for guiding the mutual aid subscription to the group terminal; a member subscription recommendation unit that receives a recommendation from the group terminal for a member company to join the mutual aid association; a group determination unit for determining whether the group is a promoter group or a new group when a recommendation to join the mutual aid association occurs from the group terminal; a deduction amount determining unit that differentially determines deductibles according to the group type determined by the group determination unit; a credit card issuance request unit for requesting, to the card issuer server, a credit card issuance by a member company that has been recommended to join the mutual aid association by the group terminal; a credit card registration unit that maps the credit card issuance information transmitted from the card issuer server and the credit card of a member company requested to recommend a mutual aid association through the group terminal and registers it as a credit card; a card point registration unit that maps the credit card and card points generated according to the use of the credit card and registers them as card points; a deduction processing unit for processing deductibles with the card points registered in the card point registration unit; and a deduction service processing unit that processes deduction services by distributing profits generated according to the card points and deduction card issuance fee to group terminals.

In addition, another embodiment of the "point-based deduction service system" according to the present invention,

a corporate terminal that recommends a registered member or corporation to join a mutual aid association and requests payment of card points according to the corporation or member's use of a credit card as a deductible;

When a recommendation to join a mutual aid association occurs by the corporate terminal, it requests issuance of a deduction card in conjunction with the card issuer server, maps and manages member information and deduction card information of the deduction card issued to the corporate terminal, and deduction a mutual aid company server that processes the payment of deductibles and deduction services with points generated according to the use of the card; and

and a card issuer server that issues the requested deduction card in conjunction with the deduction company server and settles card points generated according to the use of the issued deduction card to the deduction company server.

According to the present invention, the member company reduces the burden of paying the deductible by making it possible to pay the deductible payment (deductible) based on card points, and by integrating and using the card points that can be lost into one, the member companies can enjoy benefits such as money loans. It has the effect of helping you to enjoy it.

In addition, according to the present invention, member companies are recruited through an organization, etc., and the member pays the deductible using the card issuance fee incurred when the recruited member company and members are issuing cards and card points generated according to the use of the card, so that the member pays the deductible separately This can be eliminated, and it has the effect of promoting revenue generation for card issuance fees.

In addition, according to the present invention, there is an advantage in that it is possible to strengthen the solidarity of the members through the mutual aid subscription through the recommendation of the member company.

1 is a block diagram of a first embodiment of a point-based deduction service system according to the present invention,
2 is a block diagram of a first embodiment of a point-based deduction service system according to the present invention,
3 is a block diagram of a second embodiment of a point-based deduction service system according to the present invention.

Hereinafter, a point-based deduction service system according to the present invention according to a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

The terms or words used in the present invention described below should not be construed as being limited to conventional or dictionary meanings, and the inventor may appropriately define the concept of terms in order to best describe his invention. It should be interpreted as meaning and concept consistent with the technical idea of the present invention based on the principle that it can be.

Therefore, the embodiments described in this specification and the configurations shown in the drawings are only preferred embodiments of the present invention, and do not represent all of the technical spirit of the present invention, so various equivalents and It should be understood that there may be variations.

1 is a block diagram of a point-based mutual aid service system according to a first preferred embodiment of the present invention. ) is included.

The group terminal 300 serves to register the connected member company, recommend the registered member company to join the mutual aid association, and request payment of the member company card points according to the member company's use of the credit card as a deductible. The group terminal 300 refers to a terminal operated by a group to which specific member companies join. The organization may be a promoter or a new organization. A member company terminal 400 used by a member company is connected to a lower level of the group terminal 300 .

When a mutual aid association subscription recommendation occurs by the group terminal 300, the mutual aid company server 200 requests the issuance of a mutual aid card in conjunction with the card issuer server 100, and the member company terminal 400 It maps and manages the member company information of the deduction card and the deduction card information, and plays a role in handling deductible payments and deduction services with points generated according to the use of deduction cards.

Such a mutual aid company server 200 determines whether a mutual aid association membership is a promoter or a new organization when a recommendation to join a mutual aid association occurs from the group terminal 300, and differentially determines the mutual aid amount based on the determined group information, and the member company If you join as a mutual aid association and issuance of a credit card occurs, the generated credit card issuance fee is obtained from the card issuer server 100, and the obtained credit card issuance fee is distributed to the group terminal 300 to make a profit share

As shown in FIG. 2 , the mutual aid company server 200 receives a mutual aid association subscription member recommendation from the mutual aid subscription guide 201 , which guides the mutual aid subscription to the group terminal 300 , and the group terminal 300 . When the member subscription recommendation unit 202, the group terminal 300 recommends joining the mutual aid association, the group determination unit 203 that determines whether the organization is an established organization or a new organization, the group determination unit 203 determines Deduction requesting to the card issuer server 100 for issuance of a deduction card from a member company, which is recommended to join a mutual aid association by the deduction deduction determination unit 204, which differentially determines deductibles according to the group type, and the group terminal 300 The card issuance request unit 205, the card issuance information transmitted from the card issuer server 100, and the credit card information of the member company requested to recommend the mutual aid association through the group terminal 300 are mapped and registered as a credit card The deduction card registration unit 206, the deduction card and the card point registration unit 207 that maps the card points generated according to the use of the deduction card and registers them as card points; Deduction processing unit 208 for processing, deduction service processing unit 209 for processing deduction service by distributing profits generated according to the card points and deduction card issuance fee to group terminal 300, information database 210 for storing information may include.

The card issuer server 100 interworks with the mutual aid company server 200 to issue a requested deduction card, and to settle card points generated according to the use of the issued deduction card to the mutual aid company server 200 do

The card issuer server 100 may be a server of a card company or a server of a bank.

The operation of the first embodiment of the point-based deduction service system according to the present invention configured as described above will be described in detail as follows.

First, the group terminal 300 that joins the accessed member company as a member using the member company terminal 400 registers the connected member company as a member. Here, the group refers to all groups, including large-scale groups to which countless member companies belong and small-scale groups to which a small number of member companies belong.

When the member company registers the member company terminal 400 as a member, the group terminal 300 receives a deductible for joining the mutual aid association. In the present invention, instead of the deductible paid when joining the group and joining the mutual aid association, You can request the issuance of a deduction card and set conditions in advance so that the points generated from the use of the deduction card are used to pay the deductible. If necessary, the deduction card can be issued as a new deduction card or an already used member company card can be used as a deduction card. In the present invention, it will be described by issuing a new deduction card as an embodiment.

When a member company applies for registration as a member, the group terminal 300 registers as a member through a predetermined member registration procedure, and requests the member company whose member registration is completed to join as a member of the mutual aid association to the mutual aid company server 200 do. In other words, the member company is recommended as a member of the mutual aid association. At this time, the member company pays the deductible with card points according to the use of the deduction card and requests to receive other deduction services. Here, basic member company information is provided when recommending membership for a mutual aid association. Such membership registration information may be used for issuing a deduction card later.

When a recommendation to join a mutual aid association occurs by the group terminal 300, the mutual aid company server 200 provides member company information in conjunction with the card issuer server 100 and requests the issuance of a mutual aid card.

The card issuer server 100 requested to issue a deduction card performs a member company credit evaluation based on the received member company information, and if appropriate to issue a deduction card, generates a card number and issues a deduction card.

Thereafter, the issued deduction card is delivered to the member company. When a credit card is issued through the member company terminal 400 , the member company requests the member company server 200 to register the member company points. That is, OK cashback, department stores, gas mileage, etc. are requested to be registered as card points. In addition, card issuance information and card issuance fee for the deduction card issued by the member company are transmitted to the deduction company server 200 . Thereafter, when the use of the deduction card occurs in the member company terminal 400 , a predetermined card point is generated in preparation for the amount used and transmitted to the deduction company server 200 .

When the credit card issuance information is received, the mutual aid company server 200 stores it in the information database 210 and notifies the group terminal 300 of the membership registration result.

In addition, the deduction company server 200 processes deductions using card points generated according to the use of the deduction card issued, and maps and manages member company information and deduction card information of the deduction card issued. In addition, deduction payment and deduction service are processed with points generated according to the use of deduction card.

Here, the mutual aid company server 200 distributes profits by providing a part of the card issuance fee generated according to the issuance of the credit card to the group terminal 300 . The profit may be distributed at a predetermined ratio, for example, 1/2 of the card fee may be provided to the group terminal 300 .

Hereinafter, the process of registering a member of the mutual aid company and processing the mutual aid service in the mutual aid company server 200 will be described in detail as follows.

The mutual aid subscription guide unit 201 opens a website such as the Internet, and guides the mutual aid subscription.

When the group terminal 300 recommends a member company as a member subscription target through the mutual aid association subscription site, the member subscription recommendation unit 202 recommends a member company affiliated with the mutual aid association as a member subscription target from the group terminal 300 .

Next, the group determining unit 203 determines whether the recommendation group is a promoter or a new group when a recommendation to join the mutual aid association occurs from the group terminal 300 . Whether the organization is a promoter or a new organization can be easily determined by checking the registration information of the existing organization.

Next, the deduction amount determination unit 204 differentially determines the deduction amount according to the group type determined by the group determination unit 203 . For example, if the group is a promoter organization, the membership fee is decided free of charge when joining the mutual aid association of a member company. For example, 30% membership discount).

Next, the credit card issuance request unit 205 requests the credit card issuer server 100 to issue the credit card using the information of the member company for which the recommendation to join the mutual aid association is generated by the group terminal 300 .

Thereafter, the deduction card registration unit 206 maps the card issuance information transmitted from the card issuer server 100 and the member company's information for which the mutual aid association recommendation is requested through the group terminal 300 with the deduction card information to obtain a deduction card. is registered in the information database 210 .

In the state in which the registration of the deduction card is completed, if the deduction card registered in the member company terminal 400 is used, card points are generated according to the use of the deduction card, and the card points generated in this way are transferred to the deduction company through the card issuer server 100 . transmitted to the server 200 .

The card point registration unit 207 in the mutual aid company server 200 maps the credit card and the card points generated according to the use of the credit card and registers them in the information database 210 as card points.

In addition, the deduction processing unit 208 settles the deductible using the card points registered in the card point registration unit 207 . The method of calculating the deductible with card points can be performed at a certain period. Preferably, it can be processed on a monthly basis.

When the deductible is settled by card points, and the deductible remains, the deduction service processing unit 209 performs deduction services such as a loan using the deductible. Here, member companies with many card points can benefit from the loan interest rate even when borrowing using card points.

That is, the deduction service processing unit 209 may process the deduction service by distributing the profit generated according to the card points and the deduction card issuance fee to the group terminal 300 .

As another example of the deduction service processing, compound interest is generated on the card points remaining after the deduction is settled, or it can be used for the operation of a welfare mall such as a desired incentive. If necessary, deductible services such as health support, education support, leisure support, shopping mall operation, insurance subscription, mutual aid subscription, etc. can be performed with the deductible if necessary.

As described above, according to the present invention, the member companies joining the group can receive the payment of the deductible and other deduction services using the deductible without additional cost for payment of the deductible simply by making a deduction card and using the deduction card.

In addition, an organization that has a member company as a member recommends the member company as a mutual aid association to receive a portion of the credit card issuance fee as profit, thereby promoting profit creation.

Similarly, the mutual aid company can generate profits by being able to receive a portion of the credit card issuance fee issued to member companies as profit, and to create added value and profit by performing various deduction services with the deductible using card points. do.

3 is another embodiment of the "point-based mutual aid service system" according to the present invention. In comparison with FIG. 1, the corporation does not go through an organization, but directly joins the mutual aid company server 200 as a member of the mutual aid association. There is a difference.

The corporate terminal 500 serves to recommend a registered member (corporate member) to join a mutual aid association, and to request payment of member card points according to the member's use of the credit card as a deductible.

When a mutual aid association subscription recommendation occurs by the corporate terminal 500, the mutual aid company server 200 requests the issuance of a mutual aid card in conjunction with the card issuer server 100, and is issued to the corporate terminal 500. It maps and manages the member information of the deduction card and the deduction card information, and plays a role in handling deduction payment and deduction service with points generated according to the use of deduction card. Such a mutual aid company server 200 has the same configuration as in FIG. 2 and performs a mutual aid service in the same operation as in FIG. 2 .

The card issuer server 100 interworks with the mutual aid company server 200 to issue a requested deduction card, and to settle card points generated according to the use of the issued deduction card to the mutual aid company server 200 do

Here, the card issuer server 100 delivers the issued deduction card to the corporation.

In this second embodiment of the present invention, when a corporation applies for membership of a mutual aid association to the mutual aid company server 200 using the corporate terminal 500, the member company terminal 400 in the group terminal 300 of FIG. It is different from that recommended by the mutual aid association, but the issuance of the rest of the credit card and the performance of the mutual aid service are the same.

As such, in the second embodiment of the present invention, corporations or members belonging to corporations can receive deduction services using deductions and payment of deductibles without additional costs for deducting payments simply by making deduction cards and using deduction cards.

In addition, a corporation can receive a portion of the credit card issuance fee by recommending a corporate member who has joined as a member as a mutual aid association, thereby promoting profit creation.

Similarly, a mutual aid company can generate profits by being able to receive a portion of the credit card issuance fee issued by a corporation as profit, and it can also promote added value and profit creation by performing various deduction services with the deductible using card points. .

Although the invention made by the present inventor has been described in detail according to the above embodiment, the present invention is not limited to the above embodiment and it is common knowledge in the art that various changes can be made without departing from the gist of the present invention. self-evident to those who have

100: card issuer server
200: mutual aid company server
201: Mutual Aid Enrollment Guide
202: Member registration recommendation section
203: group discrimination unit
204: Deductible Determination Unit
205: Deduction card issuance request section
206: Deduction card register
207: card point register
208: Deductible Processing Unit
209: Deduction Service Processing Department
300: group terminal
400: member company terminal
500: corporate terminal

Claims (5)

As a system for performing deduction services based on card points,
a group terminal that registers the connected member company, recommends the registered member company to join the mutual aid association, and requests payment of member company card points according to the member company's use of the credit card as a deductible;
When a recommendation to join a mutual aid association occurs by the group terminal, it requests the issuance of a credit card in conjunction with the card issuer server, maps and manages the member company information and the credit card information of the credit card issued to the member company terminal, and deduction a mutual aid company server that processes the payment of deductibles and deduction services with points generated according to the use of the card; and
Point-based deduction, characterized in that it includes a card issuer server that issues the requested deduction card in conjunction with the deduction company server, and settles card points generated according to the use of the issued deduction card to the deduction company server service system.
The point of claim 1, wherein the mutual aid company server determines whether a mutual aid association membership is a promoter or a new organization when a recommendation to join a mutual aid association occurs from the group terminal, and differentially determines the mutual aid amount based on the determined group information based mutual aid service system.
The method according to claim 1, wherein when a member company joins as a mutual aid association and issuance of a credit card occurs, the mutual aid company server acquires the issuance fee of the generated credit card from the card issuer server, and pays the issuance fee of the acquired credit card to the group Point-based deduction service system, characterized in that the profit is shared by distributing it to the terminal.
The method according to claim 1, The mutual aid company server,
a mutual aid subscription guide unit for guiding the mutual aid subscription to the group terminal; a member subscription recommendation unit that receives a recommendation from the group terminal for a member company to join the mutual aid association; a group determination unit for determining whether a group is a promoter group or a new group when a recommendation to join the mutual aid association occurs from the group terminal; a deduction amount determining unit that differentially determines deductibles according to the group type determined by the group determination unit; a credit card issuance requesting unit for requesting, to the card issuer server, a credit card issuance by a member company that has been recommended to join a mutual aid association by the group terminal; a credit card registration unit that maps the credit card issuance information transmitted from the card issuer server and the credit card of a member company requested to recommend a mutual aid association through the group terminal and registers it as a credit card; a card point registration unit that maps the credit card and card points generated according to the use of the credit card and registers them as card points; a deduction processing unit for processing deductibles with the card points registered in the card point registration unit; and a deduction service processing unit that processes deduction services by distributing profits generated according to the card points and deduction card issuance fee to group terminals.
As a system for performing a deduction service based on points,
a corporate terminal that recommends a registered member or corporation to join a mutual aid association and requests payment of card points according to the corporation or member's use of a credit card as a deductible;
When a recommendation to join a mutual aid association occurs by the corporate terminal, it requests issuance of a deduction card in conjunction with the card issuer server, maps and manages member information and deduction card information of the deduction card issued to the corporate terminal, and deduction a mutual aid company server that processes the payment of deductibles and deduction services with points generated according to the use of the card; and
Point-based deduction, characterized in that it includes a card issuer server that issues the requested deduction card in conjunction with the deduction company server, and settles card points generated according to the use of the issued deduction card to the deduction company server service system.

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