WO2011115388A1 - 카드 혜택 제공 방법 및 카드 혜택 제공 서버 - Google Patents
카드 혜택 제공 방법 및 카드 혜택 제공 서버 Download PDFInfo
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- WO2011115388A1 WO2011115388A1 PCT/KR2011/001664 KR2011001664W WO2011115388A1 WO 2011115388 A1 WO2011115388 A1 WO 2011115388A1 KR 2011001664 W KR2011001664 W KR 2011001664W WO 2011115388 A1 WO2011115388 A1 WO 2011115388A1
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- card
- benefit
- holder
- providing server
- terminal
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- 230000008901 benefit Effects 0.000 title claims abstract description 259
- 238000000034 method Methods 0.000 title claims abstract description 50
- 230000008569 process Effects 0.000 claims abstract description 13
- 238000012545 processing Methods 0.000 claims description 11
- 230000004044 response Effects 0.000 claims description 7
- 230000005540 biological transmission Effects 0.000 claims description 6
- 238000004891 communication Methods 0.000 description 17
- 241000985630 Lota lota Species 0.000 description 6
- 238000010586 diagram Methods 0.000 description 6
- 238000005516 engineering process Methods 0.000 description 4
- 238000010295 mobile communication Methods 0.000 description 3
- 230000004913 activation Effects 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 2
- 230000003287 optical effect Effects 0.000 description 2
- 238000012790 confirmation Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 230000006870 function Effects 0.000 description 1
- 239000002184 metal Substances 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000005728 strengthening Methods 0.000 description 1
- 239000013589 supplement Substances 0.000 description 1
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/387—Payment using discounts or coupons
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
Definitions
- the present invention provides a card benefit that allows one cardholder who wants to use another person's card benefits to request the use of the other card's benefits, so that the other party's consent can be used in connection with the card of the other's card.
- Method and card benefit provision server
- the present invention provides a card benefit providing server comprising: receiving a benefit use request associated with a second card from a terminal of a first card holder; If the second card holder agrees to the request to use the benefit, the card benefit providing server comprises the step of processing the benefit associated with the second card to be used in connection with the first card.
- the present invention to achieve the above object is a database for storing card information of the first card and the second card; A receiving unit receiving a benefit use request associated with the second card from a terminal of the first card holder; A transmission unit capable of transmitting information to a terminal of the first card holder and a terminal of the second card holder; If the second card holder agrees to the request to use the benefit, the controller is configured to process the benefit associated with the second card to be used in connection with the first card, and to control the database, the transmitter and the receiver. It provides a card benefit providing server comprising a.
- one cardholder may use the benefit in connection with his or her card when the other party has consent to the card benefit of the other cardholder. Therefore, the card holder can supplement the other card with a certain benefit that is frequently used.
- cardholders may provide other cardholders with certain benefits that remain unused. That is, one embodiment of the present invention can be very beneficial and beneficial to cardholders who primarily use only certain benefits of the card.
- FIG. 1 is a conceptual diagram illustrating a card benefit providing method related to an embodiment of the present invention.
- FIG. 2 is a block diagram of a card benefit providing server according to an embodiment of the present invention.
- FIG. 3 is a flowchart illustrating a link (connection) contract conclusion process related to an embodiment of the present invention.
- FIG. 4 is a flowchart illustrating a card benefit providing method according to an embodiment of the present invention.
- FIG. 5 is a diagram illustrating an example of a specific step of FIG. 4.
- the card means being used as a payment method in purchasing goods or services.
- the card may include, for example, a credit card, a check card, a prepaid card, a smart card, and the like, and may include a mobile card as well as a conventional plastic card.
- a mobile card refers to a card implemented in software form in a mobile terminal, not a type card (eg, a plastic card). The mobile card is issued via a wireless network.
- the benefit associated with the card means a variety of benefits, such as movie discounts, eating out discounts, shopping discounts, amusement park discounts, travel discounts, mileage credits obtained by issuing and using the card. A detailed description will be described later with reference to FIG. 5.
- FIG. 1 is a conceptual diagram illustrating a card benefit providing method related to an embodiment of the present invention.
- a link (connection) contract may be concluded between the first card 100 and the second card 200.
- Link agreement means a contract that allows the other party's card benefits to be linked to one's own card when there is agreement or agreement between cardholders.
- the link contract may be concluded between several cards having different card numbers.
- the link contract may be made between a plurality of parties or may be made between the same parties. A process of concluding the link (connection) contract will be described later with reference to FIG. 3.
- the first card 100 is a card to which a link (connection) contract is concluded with the second card 200.
- a card possessed by an applicant applying for the use of a card benefit with respect to the second card 200 is held. it means.
- the second card 200 is a card to which a link (connection) contract is concluded with the first card 100, and the other party who can determine whether to permit the card benefit use application of the first card 100 holder. This means cards in possession. Since the first card 100 may conclude a link (connection) contract with a plurality of cards, several second cards 200 may exist. In this case, the same person may carry several second cards 200.
- the first terminal 400 refers to a terminal of the holder of the first card 100.
- the second terminal 500 means a terminal of the holder of the second card 200.
- the terminal may include a mobile terminal as well as a fixed terminal.
- the fixed terminal may be a desktop computer.
- the mobile terminal may be implemented in various forms.
- the mobile terminal described herein may be a mobile phone, a smart phone, a notebook computer, a digital broadcasting terminal, a personal digital assistant (PDA), a portable multimedia player (PMP), navigation, e- book terminal, template PC, etc.
- PDA personal digital assistant
- PMP portable multimedia player
- both the first terminal 400 and the second terminal 500 may be fixed terminals, both may be mobile terminals, or only one may be a mobile terminal.
- the first terminal and the second terminal will be described below as being a mobile terminal.
- the card benefit providing server 300 is connected to the first terminal 400 and the second terminal 500 to provide a benefit associated with the second card 200 to the holder of the first card 100. Can play a role.
- the card benefit providing server 300 receives a card benefit use request of the holder of the first card 100 from the first terminal 400, and transmits the request content to the second terminal 500, If the owner of the second card 200 has the consent, the holder of the first card 100 may process the benefit associated with the second card 200 to be used.
- FIG. 2 is a block diagram of a card benefit providing server according to an embodiment of the present invention.
- the card benefit providing server 300 may include a database 210, a receiver 220, a transmitter 230, and a controller 240.
- the database 210 may store card information of the first card 100 and the second card 200, and may store contents of card benefits associated with each card.
- the card information includes the card number, personal information of the card user (name, address, telephone number, social security number, etc.), the date of card registration, the number of linked cards, the number of linked cards, card usage history, additional service usage history, It may include whether or not the specific conditions required by the card company.
- the receiving unit 220 may receive a benefit use request associated with the second card 200 of the holder of the first card 100 from the first terminal 400. In addition, the receiver 220 may receive a response from the second terminal 500 as to whether the holder of the second card 200 agrees to the benefit use request. On the other hand, in the conclusion of the link contract, the receiving unit 220 may receive a link contract conclusion request of one of the card holders, and may also receive information on whether the other party agrees to the link contract conclusion request.
- the transmitter 230 may transmit various information or signals to the outside. For example, the transmitter 230 may transmit a content to the second terminal 500 to determine whether the owner of the second card 200 agrees to the benefit use request. In addition, if there is a link contract application in the process of link contract conclusion, the contents of the link contract can be transmitted to the other party, and when the link contract is completed and the other party rejects the link contract, the processing result is applied to the applicant and the other party. Can transmit to at least one of the terminals. In this case, the transmission unit 230 may transmit various information or signals to the mobile terminal through a text message, an e-mail, a specific software form, or the like.
- the controller 240 processes the benefit associated with the second card 200 to be used in connection with the first card 100. give. When the controller 240 processes the benefit associated with the second card 200 to be used in connection with the first card 100, the controller 240 may extinguish the benefit from the second card 200. can do. In addition, the controller 240 may control the database 210, the receiver 220, and the transmitter 230 as a whole.
- FIG. 3 is a flowchart illustrating a link (connection) contract conclusion process related to an embodiment of the present invention.
- the card holder (applicant) who wants the link (connection) contract in order to apply for the conclusion of the link contract may receive member authentication (S310).
- the applicant may receive member authentication using wired communication or member authentication using wireless communication.
- the method of receiving member authentication using the wired communication may be performed by the applicant accessing the website of the card company and using an authorized certificate or inputting an ID / password.
- the method of receiving member authentication using the wireless communication technology may include a method in which the applicant receives member authentication by accessing the mobile web of the card company or member authentication through a wireless application protocol (WAP).
- WAP wireless application protocol
- WAP wireless application protocol
- the applicant can also receive member authentication by using an official certificate or entering an ID / password.
- the applicant may select a counterpart card to be linked, and the card benefit providing server 300 may check an activation state of the counterpart card (S320).
- the applicant may select several cards of the counterpart to be linked. In this case, the applicant may apply for a link contract conclusion with respect to several cards owned by the same party.
- the activated state of the card means that the card is normally used. If the customer cancels the card issuance, cancels the usage agreement, or is absent, the card is deactivated.
- the other party's card to which the applicant can apply for a link (connection) contract may be an active card. Therefore, it may be necessary for the card benefit providing server 300 to check the activation state of the counterpart card.
- the card benefit providing server 300 may receive a link (connection) contract conclusion application (S330). In this case, the card benefit providing server 300 may give a notification that the link (connection) contract conclusion application to the terminal of the counterpart (S340). In this case, the card benefit providing server 300 may notify the contents using a wired / wireless communication technology. When the contents are transmitted to the mobile terminal using wireless communication, the card benefit providing server 300 may notify the user by using a text message, an e-mail, or a dedicated app.
- the text message may include a short message service (SMS), a long messaging service (LMS), and a multimedia messaging service (MMS). SMS refers to short messages of less than 40 characters, LMS refers to long messages of up to 1000 characters, and MMS, also known as color mail, is used to send photos, music, and video files.
- SMS short message service
- LMS long messaging service
- MMS multimedia messaging service
- the other party receiving the notification may access the card company's website, access the card company's mobile web, or receive member authentication using a wireless application protocol (WAP) (S350).
- WAP wireless application protocol
- the other party wants to conclude a link (connection) contract with the card possessed by the applicant, it may allow a link (connection) contract (S360).
- the applicant's card and the counterpart's card are linked (connected) (S370).
- the card benefit providing server 300 may notify the terminal of the applicant or the counterpart that the link (connection) is completed (S380).
- the card benefit providing server 300 is a link (connection) contract between the card to the applicant or the applicant and the other party It can be notified that the result is not concluded (S380).
- a text message SMS, Long Messaging Service: LMS
- Notification can be made using Multimedia Messaging Service (MMS), E-mail, or a dedicated app.
- MMS Multimedia Messaging Service
- the link contract one of the cardholders agrees to enter into a link contract while the cardholders join the card together in addition to requesting permission from the other cardholder. It can also be done by doing. In this case, the link contract may be made offline.
- the applicant's card and the counterpart's card become the first card 100 or the second card 200 which are linked (connected) to each other. Later, when the holder of the first card 100 needs to use a particular benefit, the user can request a card benefit to the other party through wired / wireless communication.
- the holder of the first card 100 may be an applicant requesting to conclude a link (connection) contract, or may be a counterpart who has agreed to conclude a link (connection) contract. A request for use and a method for providing a particular benefit will be described later with reference to FIGS. 4 and 5.
- FIG. 4 is a flowchart illustrating a card benefit providing method according to an embodiment of the present invention.
- the card benefit providing server 300 may receive a card benefit use request of the holder of the first card 100 from the first terminal 400 (S410).
- the card benefit providing server 300 may receive the card benefit use request using wired communication, or may receive the request using wireless communication.
- the holder of the first card 100 may access the mobile web of the card company and make the request, or may make the request through a wireless application protocol (WAP).
- WAP wireless application protocol
- WML wireless markup language
- mHTML mobile hypertext markup language
- WML Wireless Markup Language
- WML is a wireless protocol markup language that operates on the Wireless Application Protocol (WAP).
- WML is a wireless display that includes a small screen, limited memory and CPU, and a personal digital assistant (PDA) with narrow bandwidth. Suitable language for mobile terminals.
- WML Wireless Markup Language
- MHTML is a hypertext generation language (HTML) -based language for writing wireless terminal documents.
- Microsoft Hypertext Markup Language (MHTML) is a Microsoft-language version of a hypertext markup language that allows users to access existing Web sites. And supports Wireless Application Protocol (WAP).
- the step of receiving the card benefit use request of the first card 100 holder from the first terminal 400 by the card benefit providing server 300 is performed by the holder of the first card 100 by the second card 200. ) And selecting a type of card benefit to be used by the holder of the first card 100. Details related to this will be described later with reference to FIG. 5.
- the card benefit providing server 300 may transmit a content requesting whether the holder of the second card 200 agrees to the second terminal 500 in response to the request of the holder of the first card 100.
- the holder of the first card 100 has all the benefits of the second card 200 holder. It may not be used without permission. This is because the benefit that the holder of the first card 100 requests for use may be a benefit that the holder of the second card 200 needs. Therefore, the card benefit providing server 300 transmits the result to the second terminal 500 when the card benefit holder requests the holder of the first card 100.
- the card benefit providing server 300 may transmit the result using wired / wireless communication, and when using wireless communication, a text message (Short Message Service: SMS, Long Messaging Service: LMS, Multimedia Messaging Service: MMS), email (E-mail) or can be sent using a dedicated app.
- a text message Short Message Service: SMS, Long Messaging Service: LMS, Multimedia Messaging Service: MMS
- email E-mail
- the holder of the second card 200 may select permission or rejection for the request (S420).
- the first card 100 holder may allow the user to use it. If the holder of the second card 200 is also a benefit that is scheduled to be used, or if the holder of another card linked with the second card 200 is allowed to use the benefit, the second card 200 may be used.
- the card 200 holder may reject the request of the first card 100 holder.
- the card benefit providing server 300 may receive a response to the permission or rejection of the holder of the second card 200.
- the card benefit providing server 300 may use a wired / wireless communication network.
- the card benefit providing server 300 may receive a response from the second terminal 500 through 3G network, 4G network, WiFi (wireless fidelity).
- 3G is the third generation of mobile communication, such as wideband code division multiple access (WCDMA) and high speed downlink packet access (HSDPA), and the frequency of use is 2GHz, which is unified around the world, enabling automatic international roaming service.
- WCDMA wideband code division multiple access
- HSDPA high speed downlink packet access
- 4G is similar to 3G with 4G mobile communication, but the download speed is more than 10 times.
- WiFi wireless fidelity
- LAN local area network
- AP wireless access device
- the card benefit providing server 300 links the benefit associated with the second card 200 to the first card 100. It can be processed to use (S430).
- the holder of the first card 100 often goes to a movie with his wife, and the holder of the second card 200 does not like to watch a movie in a theater, so he usually plays a DVD (Digital Versatile Disc) player at home.
- DVD Digital Versatile Disc
- the holder of the first card 100 tries to go to the theater to watch a movie, but the first card 100 of his or her movie is discounted only 2,000 won. Therefore, the holder of the first card 100 intends to use the movie discount benefit of the second card 200 previously linked with the first card 100.
- the holder of the first card 100 accesses the website of the card company or the mobile web and requests a use of the movie discount benefit of the second card 200.
- the card benefit providing server 300 notifies the holder of the request of the second card 200 by a text message. Since the second card 200 holder who has received the text message does not like to go to the theater and does not use the movie discount benefit well, the second card 200 allows the holder of the first card 100 to use the benefit.
- the card benefit providing server 300 that has received the permission of the second card 200 holder is connected to the first card 100 so that the first card 100 holder of the second card 200 receives the permission of the second card 200. It will allow you to use the discounted movie price of 2,000 won. Therefore, the holder of the first card 100 combines a 2,000 won discount of the movie of the first card 100 and a 2,000 won discount of the movie of the second card 200, and receives a 4,000 won discount. You will be able to see.
- a holder of the first card 100 may be linked with a plurality of the second cards 200, for example, A card, B
- the holder of the first card 100 may simultaneously use the benefits of the first card 100 and the benefits of the A card, the B card, and the C card. It becomes possible. If the benefit is a movie discount as described above, the holder of the first card 100 will be able to receive a total of 8,000 won movie discount by 2,000 won.
- the benefit of the first card 100 can be transferred to others, which is insufficient for the first card 100 holder. .
- most card benefits are often provided on a monthly basis and will be lost if not used. However, because you can pass on benefits that you do not use well to others, customers can reduce the damages caused by not using the benefits.
- the card benefit providing server 300 processes the benefit associated with the second card 200 to be used in connection with the first card 100
- the card benefit providing server 300 is the second card.
- the card 200 may extinguish the benefit. Since the holder of the second card 200 allows the holder of the first card 100 to use the benefit, it is reasonable for the card company to prevent the holder of the second card 200 from using the benefit. Because it can.
- the benefit does not always disappear from the second card 200.
- the benefit may remain in the second card 200 even if the holder of the first card 100 is processed to use the benefit.
- the card benefit providing server 300 transmits the processing information to the first terminal 400 and the second. It may be transmitted to at least one of the terminal 500 (S440). When the processing information is transmitted, the card benefit providing server 300 may notify the contents using wired / wireless communication technology. When the contents are transmitted to the mobile terminal using wireless communication, the card benefit providing server 300 may notify the user by using a text message, an e-mail, or a dedicated app.
- the holder of the first card 100 and the holder of the second card 200 can conveniently know the processing information. Further, when the holder of the first card 100 incorrectly selects the type of the second card 200 or the type of the card benefit, or when the holder of the second card 200 incorrectly selects permission / deny, the card The benefit provision server 300 may process to cancel the use of the benefit of the second card 200 of the holder of the first card 100.
- the card benefit providing server 300 provides the benefit to the first only when the specific condition required by the card benefit providing server 300 is satisfied. It may include processing to use in conjunction with the card (100).
- the benefits associated with the second card 200 may be linked to the first card 100 only when the specific condition required by the card benefit providing server 300 is satisfied. It may be characterized in that it is processed to be used. In this case, a specific condition may be added to only one of the first card 100 and the second card 200, and a specific condition may be applied to both the first card 100 and the second card 200. This may be added.
- the holder of the first card 100 is the first card holder.
- a specific condition may be added that the benefit of the second card 200 can be used in connection with the first card 100.
- the same condition may be added to all benefits, but specific conditions may be added to each benefit.
- specific conditions may be added to each benefit. For example, in the case of an amusement park discount, only the cardholder who used at least 300,000 won per month may request the use of the benefit for the second card 200 holder, but the restaurant discount may be applied regardless of the amount of the card. 1 card 100 may allow the holder to request the use of the benefit.
- the card benefit providing server 300 adds a specific condition to the card company
- the holder of the first card 100 and the second card 200 may request a use of the benefit card. You may be able to use it more often or use it as your main card. Accordingly, the card company can obtain the effect of increasing the yield.
- the benefit associated with the second card 200 may be given a validity period. Therefore, after the expiration date, the benefit may be expired, and after the benefit expires, the holder of the first card 100 may not be able to request the use of the benefit.
- the card benefit providing server 300 allows the holder of the first card 100 to determine a period of use of the selected benefit. It may be. When the period of use determined by the holder of the first card 100 has passed, the card benefit providing server 300 may prevent the holder of the first card 100 from using the benefit. In this case, since the benefit cannot be used due to the fault of the holder of the first card 100, the card benefit providing server 300 returns the benefit to the second card 200 to the second card. (200) It may be made available to the holder. On the other hand, the benefit may be kept extinct in the second card 200 may be unable to use both the first card 100 and the second card 200 holder.
- the card benefit providing server 300 when the card benefit providing server 300 receives a card benefit use request from the first terminal 400, the card benefit providing server 300 is connected to the first card ( It may be checked whether a link (connection) contract is made between the second card 200 and the second card 200. In this case, the card benefit providing server 300 checks whether the card is linked (connected) using the card information of the first card 100 and the second card 200 stored in the database 210. Can be.
- the card benefit providing server 300 may receive confirmation from the second terminal 500 whether the first card 100 and the second card 200 have a link contract. .
- FIG. 5 is a diagram illustrating an example of a specific step of FIG. 4.
- the receiving of the card benefit use request of the holder of the first card 100 from the first terminal 400 by the card benefit providing server 300 is performed by the first card 100.
- the holder may include specifying the second card 200 and selecting a type of card benefit to be used by the holder of the first card 100.
- a holder of the first card 100 may select one of the second cards 200 to specify the second card 200.
- the card benefit providing server 300 shows a plurality of the second card 200 that is linked so that the holder of the first card 100 can specify the second card 200, wherein A second card selection window 510 for selecting one may be provided.
- the card benefit providing server 300 may display all of the benefits associated with the second card 200 to the holder of the first card 100, and the card benefits distinguishing the available benefits and the unavailable benefits.
- the selection window 520 may be provided. As such, when the card benefit providing server 300 provides a window 500 for selecting one benefit from various benefits, the holder of the first card 100 receives a benefit associated with the second card 200. As it can be seen at a glance, the convenience of the holder of the first card 100 can be achieved.
- the holder of the first card 100 it is also possible to make a request for the use of card benefits by simply listing the type of the second card 200 and the benefits to use.
- the unusable benefit may be a benefit that cannot be used because it does not satisfy certain conditions added to the card.
- the benefit that cannot be used may be a benefit that the holder of the first card 100 cannot use because the benefit is already used by the holder of the second card 200. The holder of the first card 100 cannot select a benefit that cannot be used.
- the card benefit providing server 300 firstly has a plurality of second cards 200 to which a link contract is concluded.
- the second card selection window 510 may be selected to select one from among them.
- the holder of the first card 100 will select one of the second cards 200 including the Lotte World free pass discount.
- the card benefit providing server 300 shows various benefits associated with the B card and will provide the card benefit selection window 520 for selecting one of the benefits of the B card.
- the benefits may include amusement park discounts, movie theater discounts, restaurant discounts, gas station discounts, etc.
- the available benefits and the unavailable benefits may be displayed together in the card benefit selection window 520.
- the holder of the first card 100 may select one of the available benefits.
- the holder of the first card 100 may select a benefit for the Lotte World discount from the benefits of the B card 200. In this way, the holder of the first card 100 selects the B card and the Lotte World discount benefit and applies for the card benefit use to the card benefit providing server 300.
- the first card 100 holder will be able to use the Lotte World discount benefit of the B card to the first card 100. Therefore, not only the holder of the first card 100 but also a friend can receive a 50% discount and purchase a Lotte World free pass.
- the card benefit providing method according to an embodiment of the present invention described above may be implemented in the form of program instructions that can be executed by various computer means and recorded in a computer-readable recording medium.
- the computer-readable recording medium may include program instructions, data files, data structures, and the like, alone or in combination.
- the program instructions recorded on the recording medium may be those specially designed and configured for the present invention, or may be known and available to those skilled in computer software.
- Computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks such as floppy disks. Magnetic-Optical Media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like.
- the recording medium may be a transmission medium such as an optical or metal wire, a waveguide, or the like including a carrier wave for transmitting a signal specifying a program command, a data structure, or the like.
- program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like.
- the hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.
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Claims (14)
- 카드 혜택 제공 서버가 제 1 카드 소지자의 단말기로부터 제 2 카드와 연계된 혜택 사용 요청을 수신하는 단계; 및상기 제 2 카드 소지자가 상기 혜택 사용 요청에 동의한 경우, 상기 카드 혜택 제공 서버가 상기 제 2 카드와 연계된 혜택을 상기 제 1 카드에 연계하여 사용할 수 있도록 처리하는 단계를 포함하는 카드 혜택 제공 방법.
- 제 1 항에 있어서, 상기 카드 혜택 제공 방법은상기 카드 혜택 제공 서버가 상기 혜택 사용 요청에 대하여 상기 제 2 카드 소지자의 단말기에 동의 여부를 구하는 내용을 전송하는 단계; 및상기 카드 혜택 제공 서버가 상기 제 2 카드 소지자의 동의 여부에 대한 답변을 상기 제 2 카드 소지자의 단말기로부터 수신하는 단계를 더 포함하는 것을 특징으로 하는 카드 혜택 제공 방법.
- 제 1 항에 있어서, 상기 제 2 카드와 연계된 혜택은상기 카드 혜택 제공 서버가 요구하는 특정 조건을 만족하는 경우에만 상기 제 1 카드에 연계하여 사용할 수 있도록 처리되는 것을 특징으로 하는 카드 혜택 제공 방법.
- 제 1 항에 있어서, 상기 제 2 카드와 연계된 혜택은유효 기간이 정해질 수 있는 것을 특징으로 하는 카드 혜택 제공 방법.
- 제 1 항에 있어서, 상기 카드 혜택 제공 방법은상기 제 2 카드와 연계된 혜택을 상기 제 1 카드에 연계하여 사용할 수 있도록 처리 한 경우, 상기 카드 혜택 제공 서버가 상기 혜택을 상기 제 2 카드에서 소멸시키는 단계를 더 포함하는 것을 특징으로 하는 카드 혜택 제공 방법.
- 제 1 항에 있어서, 상기 카드 혜택 제공 방법은상기 제 2 카드와 연계된 혜택을 상기 제 1 카드에 연계하여 사용할 수 있도록 처리 한 경우, 상기 카드 혜택 제공 서버가 상기 제 1 카드 소지자의 단말기 및 상기 제 2 카드 소지자의 단말기 중 적어도 1군데 이상에 상기 처리 정보를 전송하는 단계를 더 포함하는 것을 특징으로 하는 카드 혜택 제공 방법.
- 제 1 항에 있어서, 상기 카드 혜택 제공 방법은상기 카드 혜택 제공 서버가 상기 제 1 카드 및 상기 제 2 카드 간에 상기 제 1 카드 소지자가 상기 제 2 카드와 연계된 혜택을 사용할 수 있도록 하는 계약이 이루어져 있는지 여부를 확인하는 단계를 더 포함하는 것을 특징으로 하는 카드 혜택 제공 방법.
- 제 1 카드 및 제 2 카드의 카드 정보를 저장하는 데이터베이스;상기 제 1 카드 소지자의 단말기로부터 상기 제 2 카드와 연계된 혜택 사용 요청을 수신하는 수신부;상기 제 1 카드 소지자의 단말기 및 상기 제 2 카드 소지자의 단말기에 정보를 전송해 줄 수 있는 전송부; 및상기 제 2 카드 소지자가 상기 혜택 사용 요청에 동의한 경우, 상기 제 2 카드와 연계된 혜택을 상기 제 1 카드에 연계하여 사용할 수 있도록 처리하며, 상기 데이터베이스, 상기 수신부 및 상기 전송부를 제어하는 제어부를 포함하는 것을 특징으로 하는 카드 혜택 제공 서버.
- 제 8 항에 있어서, 상기 전송부는상기 혜택 사용 요청에 대하여 상기 제 2 카드 소지자의 단말기에 동의 여부를 구하는 내용을 전송하는 것을 특징으로 하며,상기 수신부는 상기 제 2 카드 소지자의 동의 여부에 대한 답변을 상기 제 2 카드 소지자의 단말기로부터 수신할 수 있는 것을 특징으로 하는 카드 혜택 제공 서버.
- 제 8 항에 있어서, 상기 제 2 카드와 연계된 혜택은특정 조건을 만족하는 경우에만 상기 제 1 카드에 연계하여 사용할 수 있도록 처리되는 것을 특징으로 하는 카드 혜택 제공 서버.
- 제 8 항에 있어서, 상기 제 2 카드와 연계된 혜택은유효 기간이 정해질 수 있는 것을 특징으로 하는 카드 혜택 제공 서버.
- 제 8 항에 있어서, 상기 제어부는상기 제 2 카드와 연계된 혜택을 상기 제 1 카드에 연계하여 사용할 수 있도록 처리 한 경우, 상기 혜택을 상기 제 2 카드에서 소멸시킬 수 있도록 제어하는 것을 특징으로 하는 카드 혜택 제공 서버.
- 제 8 항에 있어서, 상기 전송부는상기 제 2 카드와 연계된 혜택을 상기 제 1 카드에 연계하여 사용할 수 있도록 처리 한 경우, 상기 제 1 카드 소지자의 단말기 및 상기 제 2 카드 소지자의 단말기 중 적어도 1군데 이상에 상기 처리 정보를 전송할 수 있는 것을 특징으로 하는 카드 혜택 제공 서버.
- 제 8 항에 있어서, 상기 제어부는상기 제 1 카드 및 상기 제 2 카드 간에 상기 제 1 카드 소지자가 상기 제 2 카드와 연계된 혜택을 사용할 수 있도록 하는 계약이 이루어져 있는지 여부를 확인할 수 있는 것을 특징으로 하는 카드 혜택 제공 서버.
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JP2012558069A JP5875994B2 (ja) | 2010-03-17 | 2011-03-10 | カードベネフィットの提供方法及びカードベネフィットの提供サーバー |
CN201180014387.0A CN102804215B (zh) | 2010-03-17 | 2011-03-10 | 卡优惠提供方法及卡优惠提供服务器 |
EP11756519.2A EP2549424A4 (en) | 2010-03-17 | 2011-03-10 | METHOD AND SERVER FOR TRANSMITTING THE BENEFITS OF A CARD |
US13/635,127 US20130008957A1 (en) | 2010-03-17 | 2011-03-10 | Card benefit providing method and card benefit providing server |
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KR1020100023865A KR101096174B1 (ko) | 2010-03-17 | 2010-03-17 | 카드 혜택 제공 방법 및 카드 혜택 제공 서버 |
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EP (1) | EP2549424A4 (ko) |
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JP6199200B2 (ja) * | 2014-02-25 | 2017-09-20 | 東芝テック株式会社 | 決済端末及びプログラム |
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- 2011-03-10 WO PCT/KR2011/001664 patent/WO2011115388A1/ko active Application Filing
- 2011-03-10 CN CN201180014387.0A patent/CN102804215B/zh active Active
- 2011-03-10 JP JP2012558069A patent/JP5875994B2/ja active Active
- 2011-03-10 US US13/635,127 patent/US20130008957A1/en not_active Abandoned
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KR101096174B1 (ko) | 2011-12-22 |
KR20110104774A (ko) | 2011-09-23 |
CN102804215A (zh) | 2012-11-28 |
JP2013522757A (ja) | 2013-06-13 |
EP2549424A4 (en) | 2014-05-07 |
CN102804215B (zh) | 2017-02-15 |
EP2549424A1 (en) | 2013-01-23 |
US20130008957A1 (en) | 2013-01-10 |
JP5875994B2 (ja) | 2016-03-02 |
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