WO2012091356A1 - Procédé de règlement utilisant une carte de points et serveur de gestion de points - Google Patents

Procédé de règlement utilisant une carte de points et serveur de gestion de points Download PDF

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Publication number
WO2012091356A1
WO2012091356A1 PCT/KR2011/009887 KR2011009887W WO2012091356A1 WO 2012091356 A1 WO2012091356 A1 WO 2012091356A1 KR 2011009887 W KR2011009887 W KR 2011009887W WO 2012091356 A1 WO2012091356 A1 WO 2012091356A1
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WO
WIPO (PCT)
Prior art keywords
card
point
payment
information
management server
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PCT/KR2011/009887
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English (en)
Korean (ko)
Inventor
성기윤
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비씨카드 주식회사
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Publication of WO2012091356A1 publication Critical patent/WO2012091356A1/fr

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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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • 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
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G06Q30/0229—Multi-merchant loyalty card systems

Definitions

  • the present invention relates to a payment method and a point management server using a loyalty card that can be used to earn points and request for payment approval through one membership card at a time.
  • the present invention provides a payment method and a point management server using a loyalty card.
  • points can be earned / used and card settled by one point card recognition in the merchant terminal. Therefore, according to an embodiment of the present invention, it is possible to reduce the VAN fee that occurs twice.
  • the user does not need to carry a point card and a payment card together, thereby improving user convenience.
  • FIG. 1 is a view for explaining a payment system using a point card related to an embodiment of the present invention.
  • FIG. 2 is a block diagram illustrating a point management server related to an embodiment of the present invention.
  • FIG. 3 is a flowchart illustrating a payment method using a point card related to an embodiment of the present invention.
  • FIG. 4 is a flowchart illustrating a method of setting and changing a payment card associated with a point card according to an embodiment of the present invention.
  • the present invention comprises the steps of the point management server receives the transaction information, the identification information of the loyalty card and payment request; Extracting, by the point management server, payment card information associated with the point card; Requesting, by the point management server, payment approval from a card company server based on the extracted payment card information; Receiving, by the point management server, a payment approval result from a card company server; And updating, by the point management server, point information of the point card on the basis of the payment approval result.
  • the present invention includes a receiving unit for receiving transaction information, identification information of the point card and the payment request, and receiving a payment approval result from the card company server; An extraction unit for extracting payment card information associated with the reward card; A transmission unit for requesting payment approval from a card company server based on the extracted payment card information; A point updating unit updating point information of the reward card based on the payment approval result; A storage unit which stores the point information and the payment card information; And a control unit for controlling the receiving unit, the extracting unit, the transmitting unit, the point update unit, and the storage unit.
  • any part of the specification is to “include” any component, this means that it may further include other components, except to exclude other components unless otherwise stated.
  • the terms “... unit”, “module”, etc. described in the specification mean a unit for processing at least one function or operation, which may be implemented in hardware or software or a combination of hardware and software. .
  • a point may mean a payment method having a monetary function that can be used to purchase a specific object or service.
  • the points can be accumulated by using the card.
  • the point may be provided at the merchant for reasons of marketing, promotions and the like.
  • a payment card refers to a medium that can be used as a payment means.
  • the payment card may include a mobile card and a virtual card, which are stored in a program form in a secure area of a mobile terminal, as well as a magnetic plate type card.
  • the card may include a credit card, check card, prepaid card, gift card, electronic money, affiliate card.
  • a point card refers to a medium capable of accumulating points or miles at a particular merchant.
  • the point card may be an integrated point card or an integrated mileage card that can accumulate points generated from a plurality of affiliated stores.
  • the point card may exist in the form of a general plastic card, may exist in the form of a barcode, or may be stored in the form of a program in the security area of the mobile terminal. That is, in one embodiment of the present invention, the point card may exist in various forms.
  • FIG. 1 is a view for explaining a payment system using a point card related to an embodiment of the present invention.
  • a payment system using a point card includes an affiliated store terminal 100, a user terminal 200, a point management server 300, and a card company server 400. can do. .
  • the affiliated store terminal 100 is for performing a payment for a purchased item.
  • the affiliated store terminal 100 may be implemented through a credit authorization terminal (CAT), a point of sales (POS), and the like.
  • CAT credit authorization terminal
  • POS point of sales
  • POS Point Of Sales
  • the affiliated store terminal 100 may also perform member management, store management, and the like.
  • the affiliated store terminal 100 may communicate with other devices using short-range wireless communication and wired / wireless Internet. Therefore, the affiliated store terminal 100 may transmit affiliated store information to the user terminal 200. In addition, the affiliated store terminal 100 may request payment or transmit transaction information to the point management server 300. Meanwhile, the affiliated store terminal 100 may receive a point accumulation result and a payment approval result from the point management server 300.
  • the user terminal 200 may be implemented in various forms.
  • the user terminal 200 may include a mobile terminal as well as a fixed terminal.
  • the user terminal 200 described herein includes a computer, a notebook computer, a tablet PC, a mobile phone, a smart phone, a personal digital assistant (PDA), a portable multimedia player (PMP), navigation, e- book terminals and the like.
  • PDA personal digital assistant
  • PMP portable multimedia player
  • the user terminal 200 may transmit data through wired or wireless communication with the point management server 300.
  • the user terminal 200 may transmit or receive data through a mobile communication company's communication network, for example, 3G network, 4G network.
  • the user terminal 200 may use a wireless LAN communication.
  • the wireless LAN is a local area network (LAN) capable of high-speed Internet within a certain distance of a place where a wireless access device (AP) is installed.
  • the wireless LAN uses radio waves or an infrared transmission method.
  • WiFi wireless fidelity
  • WiFi wireless fidelity
  • LAN local area network
  • AP access point
  • the user terminal 200 may transmit payment request information to the point management server 300 and may request a change of a payment card associated with a point card.
  • the point management server 300 refers to a server that can manage the point or mileage, etc. generated in the settlement as a whole.
  • the point management server 300 may be integrated management of a point card of a plurality of affiliated stores. For example, the point management server 300 may accumulate points in a point card when points are generated, and may deduct points accumulated in a point card when a user uses points.
  • the point management server 300 may extract the payment card information associated with the point card, and may request a payment approval from the card company server 400. Details of each configuration of the point management server 300 will be described later with reference to FIG. 2.
  • the card company server 400 may receive transaction information, payment card information, payment approval request from the point management server 300. In this case, the card company server 400 may perform a payment approval process based on the received transaction information and payment card information. The card company server 400 may transmit the payment approval result to the affiliated store terminal 100 and the user terminal 200 through the point management server 300.
  • the point management server 300 and the card company server 400 may be implemented on one server, or may exist separately.
  • the point management server 300 and the card company server 400 may be associated with a dedicated line or the like.
  • FIG. 2 is a block diagram illustrating a point management server related to an embodiment of the present invention.
  • the point management server 300 may include a receiver 310, an extractor 320, a transmitter 330, a point updater 340, and an authentication.
  • the unit 350 may include a storage unit 360 and a control unit 370.
  • the receiver 310 may receive transaction information, identification information of a point card, and a payment request from the affiliated store terminal 100 or the user terminal 200.
  • the transaction information refers to information about the details that the user purchased at the affiliate store.
  • the transaction information includes information on a purchased product (commodity code, product price, color, size, product quantity, etc.), information on the affiliated store (name of affiliated store, affiliated store code, affiliated store owner, location of affiliated store, affiliated store number, etc.), installment Information on whether it is available, the number of installment months, the date and time of purchase, etc. may be included.
  • the identification information of the loyalty card means information for distinguishing the loyalty point card from other loyalty cards.
  • An example of the identification information of the reward card may be a reward card number.
  • the receiving unit 310 may receive a payment approval result from the card company server 400.
  • the extraction unit 320 may extract payment card information associated with the point card. If there are a plurality of payment cards associated with the loyalty card, the extraction unit 320 may extract one activated payment card information.
  • the transmission unit 330 may make a payment approval request to a card company server 400 based on the extracted payment card information.
  • the transmission unit 330 may transmit the payment approval result received from the card company server 400 to the affiliated store terminal 100 or the user terminal 200.
  • the point update unit 340 may update the point information of the point card based on the payment approval result. For example, when the card company server 400 approves the payment, the point update unit 340 may accumulate points based on the payment amount. In addition, when the user uses the point at the time of payment, the point update unit 340 may process a deduction as much as the point used for the payment.
  • the point update unit 340 may calculate the point accumulation rate differently according to the type of payment card associated with the point card. In this case, the point update unit 340 may update the point information of the point card according to the calculated point accumulation rate.
  • the point update unit 340 checks whether the payment card associated with the point card is a card or b card, and can apply the accumulation rate differently.
  • the authenticator 350 may perform authentication on the authentication information received from the user terminal 200.
  • the authentication information includes a password of an authorized certificate, a password of an Internet Secure Payment (ISP), a personal identification number (PIN), a Card Verification Value (CVV) or a Card Validation Code (CVC), and card expiration date information. Etc. may be included.
  • ISP Internet Secure Payment
  • PIN personal identification number
  • CVV Card Verification Value
  • CVC Card Validation Code
  • the storage unit 360 may have a database of point information of the point card, payment card information associated with the point card, and user information.
  • the point information may include residual points, point usage details, point accumulation rate, and the like.
  • the payment card information may include a card number, card issuer, card validity period.
  • the user information may include a user's personal information (name, address, contact, etc.), the user's purchase propensity (purchase log) and the like.
  • control unit 370 is the receiving unit 310, the extraction unit 320, the transmission unit 330, the point update unit 340, the authentication unit 350,
  • the storage unit 360 may be controlled.
  • the controller 370 may process payment card information in association with the point card or change the payment card associated with the reward card.
  • FIG. 3 is a flowchart illustrating a payment method using a point card related to an embodiment of the present invention.
  • the point management server 300 may receive transaction information, identification information of a point card (for example, a point card number), and a payment request. [S310].
  • the point management server 300 may receive the transaction information, the identification information of the point card and the payment request from the affiliated store terminal (100).
  • a payment request may be received through a payment gateway (PG) or a value-added network (VAN).
  • PG payment gateway
  • VAN value-added network
  • the merchant terminal 100 does not recognize the point card and the payment card, but recognizes only one point card to which the payment card is linked. You may not.
  • the point management server 300 may receive the transaction information, the identification information of the point card, and the payment request from the user terminal 200.
  • the user terminal 200 may be a mobile terminal capable of wireless communication.
  • the user terminal 200 may receive affiliate store information and purchase information from the affiliate store terminal 100.
  • the user terminal 200 may store the affiliated store from the affiliated store terminal 100.
  • Information A restaurant, merchant code, etc.
  • purchase information (2 steaks, 3 glasses of wine, price 100,000 won, VAT 10.000 won, total price 110,000 won, etc.) can be received.
  • the user terminal 200 may receive the transaction information (merchant information and purchase information) from the affiliated store terminal 100 using short-range communication.
  • the short range communication may include Bluetooth and Near Field Communication (NFC).
  • Bluetooth is a standard for wireless communication at low power in a short range between wireless communication devices.
  • Near Field Communication relates to a short-range wireless connection method using magnetic field induction between adjacent devices, and can communicate in any direction.
  • the affiliated store terminal 100 may transmit the affiliated store information and purchase information to the user terminal 200 through a wireless Internet.
  • the affiliated store terminal 100 may use a mobile communication network (for example, 3G network, 4G network) or use a wireless LAN.
  • 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.
  • a mobile communication company's communication network eg, 3G network, 4G network
  • a data communication fee should be charged.
  • the wireless LAN is a local area network (LAN) capable of high-speed Internet within a certain distance of a place where a wireless access device (AP) is installed.
  • the wireless LAN uses radio waves or an infrared transmission method.
  • WiFi wireless fidelity
  • WiFi wireless fidelity
  • LAN local area network
  • AP access point
  • the affiliated store terminal 100 transmits affiliated store information and purchase information to the user terminal 200 using wireless Internet
  • the affiliated store terminal 100 and the user terminal 200 do not need to be in a short range. It can be usefully applied to the delivery industry.
  • the point card may exist in the form of a program in the security area in the user terminal 200. Therefore, according to an embodiment of the present invention, the user terminal 200 identifies transaction information (merchant information, purchase information) received from the affiliated store terminal 100 and a point card stored in the user terminal 200. The payment request can be made while transmitting the information to the point management server 300. In this case, the user can easily request a payment through a point card stored in the form of a mobile card.
  • transaction information product information, purchase information
  • the point management server 300 may extract payment card information associated with the point card [S320]. For example, suppose that the user associates a credit card with a ⁇ credit card of A merchant. If the user presents a point card and requests point accumulation and payment, the point management server 300 receives identification information of the a point card to extract the information of the ⁇ credit card associated with the a point card. Will be.
  • the point management server 300 may extract only one payment card information that is activated. If there is no active payment card, the point management server 300 may provide the payment card list to the affiliated store terminal 100 or the user terminal 200. In this case, the user may select a specific payment card through the affiliated store terminal 100 or the user terminal 200.
  • the activated payment card means a payment card that is authorized to be used for payment in the transaction among payment cards associated with the point card.
  • the point management server 300 may make a payment approval request to a card company server 400 based on the extracted payment card information [S330]. If the extracted payment card is A card, the point management server 300 requests payment approval to the A card issuer server. If the extracted payment card is B card, the point management server 300 The B card issuing server can make a payment authorization request.
  • the point management server 300 transmits the received transaction information (merchant information, purchase information) and the payment card information to the card company server (400).
  • the card company server 400 accepts payment based on the received payment card information and transaction information.
  • the point management server 300 is the card company server 400 only for the remaining amount of money excluding point usage from the user purchases goods, etc. You can request a payment authorization at.
  • the point management server 300 may request payment approval from the corresponding card company server 400 of the payment card associated with the A-point card only for 4,000 won except the point 1000 to be used in the amount 5,000 won that the user needs to pay.
  • the card company server 400 may transmit the payment approval result to the point management server 300. Therefore, the point management server 300 can receive the payment approval result from the card company server 400 [S340].
  • the point management server 300 updates the point information of the point card based on the received payment approval result [S350]. For example, when the payment approval amount is 10,000 won, the point management server 300 may accumulate 10% of the payment approval amount as points on the point card. In this case, 1000 points may be accumulated in the reward card.
  • the point management server 300 receives the payment approval result from the card company server 400, It is also possible to subtract 2000 points of the reward card.
  • the point management server 300 may transmit the received payment approval result and point update result to the affiliated store terminal 100 or the user terminal 200.
  • FIG. 4 is a flowchart illustrating a method of setting and changing a payment card associated with a point card according to an embodiment of the present invention.
  • the user may access the point management server 300 through the user terminal 200.
  • the point management server 300 may receive payment card information and authentication information to be linked to the point card from the user terminal 200 [S405].
  • the payment card information may include card brand name, card company name, card number, expiration date information and the like.
  • the user may access the point management server 300, select a point card to be used by the user, and input payment card information to be associated with the point card. That is, the user can associate the A credit card to the happy point card as a payment card.
  • the point management server 300 performs authentication based on the authentication information [S410]. According to one embodiment of the invention, since the point card can be used as a payment means, in order to reinforce security, even if the payment card is associated with the point card is subjected to the authentication step.
  • the authentication may be implemented through various methods.
  • the point management server 300 may perform authentication by causing the user to enter a password of a public certificate, an ISP certificate number, or a password, CVC, expiration date, etc. of a credit card. Can be.
  • the point management server 300 may process the payment card in association with the point card [S420]. If the authentication fails, according to an embodiment of the present invention, the point management server 300 may request the authentication information to the user terminal 200 again a predetermined number of times [S425].
  • the user can freely change the payment card associated with the point card. That is, the user may request the point management server 300 to change the payment card associated with the point card through the user terminal 200 [S430]. In this case, the point management server 300 receives payment card information and authentication information to be linked to the point card [S435].
  • the point management server 300 is to perform the authentication step. As described above, performing authentication may be implemented through various methods.
  • the point management server 300 If the point management server 300 succeeds in authentication [S440], the point management server 300 changes the payment card associated with the point card [S450]. If the point management server 300 fails to authenticate, the point management server 300 may request authentication information from the user terminal 200 again a predetermined number of times [S445].
  • the point management server 300 goes through an authentication step and associates the happy point card with the B card. You will be able to handle it.
  • the user can freely change the payment card associated with. That is, since the membership affiliate credit card has one point card connected to a specific credit card, in order to pay with another credit card or use another point card, two card recognition may be required in the affiliated store terminal 100. However, according to one embodiment of the present invention, since the payment card associated with the loyalty card can be changed, even if the card is recognized once in the merchant terminal 100, points can be earned / used and settled. It is. .
  • the user terminal 200 when the user terminal 200 is a mobile terminal, the user can change the payment card associated with the point card regardless of time and place. Therefore, according to an embodiment of the present invention, when the payment request, the user can change the payment card with an appropriate credit card in consideration of the card benefits.
  • the above-described method can be embodied as computer readable code on a medium on which a program is recorded.
  • the computer-readable medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable media include ROM, RAM, CD-ROM, magnetic tape, floppy disks, optical data storage devices, and the like, which are also implemented in the form of carrier waves (eg, transmission over the Internet). It also includes.

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Abstract

La présente invention concerne un procédé de règlement utilisant une carte de points, et un serveur de gestion de points, qui permettent l'accumulation de points et une demande d'approbation de règlement par une carte à points unique en une fois, réduisant ainsi l'inconvénient de posséder une pluralité de cartes, et réduisant la double génération de charge de réseau à valeur ajoutée.
PCT/KR2011/009887 2010-12-28 2011-12-20 Procédé de règlement utilisant une carte de points et serveur de gestion de points WO2012091356A1 (fr)

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KR1020100137241A KR101244766B1 (ko) 2010-12-28 2010-12-28 포인트 카드를 이용한 결제 방법 및 포인트 관리 서버
KR10-2010-0137241 2010-12-28

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WO2016108414A1 (fr) * 2014-12-31 2016-07-07 김성길 Système et procédé d'accumulation intégrée et d'octroi de bonus dans une transaction commerciale en ligne
KR101986219B1 (ko) * 2018-10-11 2019-06-05 최우 포인트 관리 방법
KR102074782B1 (ko) 2019-02-27 2020-02-07 주식회사 지에스리테일 결제 승인문자와 앱 위치 정보 대조를 이용한 포인트 자동적립 시스템
KR102379918B1 (ko) * 2019-07-10 2022-03-29 비씨카드(주) 항공 포인트를 이용하는 방법 및 장치
KR20210130428A (ko) 2020-04-22 2021-11-01 서중영 카드 포인트 지급 시스템 및 방법

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