WO2014014211A1

WO2014014211A1 - Apparatus for accumulating points and method therefor

Info

Publication number: WO2014014211A1
Application number: PCT/KR2013/005687
Authority: WO
Inventors: 박성준; 박지훈; 박경민
Original assignee: 주식회사 나인플라바
Priority date: 2012-07-16
Filing date: 2013-06-27
Publication date: 2014-01-23
Also published as: KR20140010619A

Abstract

Disclosed are an apparatus and a method for point accumulation allowing points for a purchase to be accumulated without having to provide personal information or a point accumulation card to a seller after a product or service is purchased.

Description

Device and method for earning points

The present invention relates to a point earning service, and more particularly, to an apparatus and method for providing a point earning service in conjunction with a payment operation according to the purchase of a customer's goods or services.

This application claims the priority based on Korean Patent Application No. 10-2012-0077100 filed on July 16, 2012, all the contents disclosed in the specification and drawings of the application are incorporated in this application.

In order to secure customers and increase sales in on / off-line commerce, one of the measures is to earn points such as stamps or mileage. Point earning service allows customers who purchase more than a certain amount of goods or a certain number of items to earn points instead of cashing a portion of the payment, and the customer can use the accumulated points as cash. It is a service.

By using the point earning service, the seller can obtain the effect of increasing sales, securing regular customers, and differentiating from other sellers, and the customer has the advantage of discounting a certain amount. This conventional point earning service is typically done in two ways. The first is a method in which the seller provides a paper point earning card to a customer and stamps the paper point earning card when the customer purchases the product. Second, the seller provides the plastic credit card to the customer, and the customer earns the points online by presenting the plastic credit card to the seller after purchasing the product.

However, the above-described conventional point earning method has a disadvantage in that points cannot be earned when a point earning card is lost or an error occurs in the point earning card, and in addition, if each point provides a point earning service independently for each store, Since the credit card must be carried at all times, it is not easy to manage on the customer side and the frequency of actual use is not high. In addition, the method of using a plastic credit card of the conventional point earning method can earn points by presenting the social security number or phone number to the seller when there is no point earning card, security problems may occur due to the exposure of personal information.

The present invention has been made to solve the above problems, the point earned to earn points for the purchase without having to present the personal information or points earning card to the seller after purchasing goods or services from the seller It is an object to provide an apparatus and a method thereof.

Other objects and advantages of the present invention can be understood by the following description, and will be more clearly understood by the embodiments of the present invention. Also, it will be readily appreciated that the objects and advantages of the present invention may be realized by the means and combinations thereof indicated in the claims.

In accordance with an aspect of the present invention for achieving the above object, the point earning device linked to the card company server that stores and stores the credit points information linked to the credit information and credit card payment approval of the customer, points earning service Storage means for storing the points of the customer using the point based on the accumulated credit information; A credit request receiving unit for receiving a credit request from the card company for earning a point including a transaction history information on which credit card payment has been approved and point earning linkage identification information obtained using credit card information; And a point accumulator for calculating points based on the transaction history information and accumulating the calculated points in the storage means using the point accumulation linkage identification information included in the point accumulation request.

The point earning device may further include a sharing group checking unit for checking a point sharing group in the storage means, wherein the point earning unit may equally accumulate the calculated points to all members belonging to the point sharing group. have.

The point earning request may further include affiliate store information, and the point accumulating unit may calculate points that can be used at the affiliate store based on the affiliate store information according to the transaction history information and store the points in the storage means.

The point earning device, the earning code request receiving unit for receiving an earning code request including transaction information from the merchant terminal; And an earning code generating unit for generating an earning code and storing it in the storage means together with the transaction information and transmitting the earning code to the affiliated store terminal. The earning request receiving unit includes: customer identification information and Receiving a point earning request including the earning code, The point earning unit, using the earning code included in the point earning request calculates points based on the transaction history information extracted from the storage means and calculates the points By using the customer identification information can be stored in the storage means.

The earning code transmitted to the affiliated store terminal is generated as an image code and printed on a receipt by the affiliated store terminal, and the earning request receiving unit stores the customer identification information and the customer identification information from the customer terminal as the image terminal scans the image code. A point earning request including a earning code may be received.

The image code may be any one of a QR code or a barcode.

According to another aspect of the present invention for achieving the above object, the point earning method by the point earning device interlocked with the card company server that stores and stores the credit card information corresponding to the points earning interlocking identification information and credit card payment authorization Receiving, from the card company server receives a point earning request including credit card payment authorization transaction history information, and points earning linkage identification information obtained using the credit card information; Calculating points based on transaction history information included in the point earning request; And accumulating the calculated points in a storage means by using the point accumulation interlocking identification information included in the point accumulation request.

The method includes identifying a point sharing group in the storage means; And accumulating the calculated points equally to all members belonging to the point sharing group.

The method may include receiving an earning code request including transaction information from a merchant terminal; Generating an earning code and storing it in the storage means together with the transaction information and transmitting the earning code to the affiliated store terminal; Receiving a point earning request including the customer identification information and the earning code from the customer terminal; Extracting transaction detail information from the storage means using the earning code included in the point earning request and calculating points based on the extracted transaction detail information; And accumulating the calculated points in the storage means using the customer identification information. It may further include.

The present invention can protect the personal information by preventing the exposure of personal information by allowing the customer to earn points for each merchant only by credit card payment without presenting the personal information to the seller.

In addition, the present invention solves the hassle of having to carry a point earning card by allowing the customer to earn points without presenting the point earning card to the seller.

In addition, the present invention provides convenience to the seller side by allowing the points to be automatically accumulated to the customer even if the seller only performs a normal credit card payment or cash payment.

1 is a view showing the configuration of a point earning system according to an embodiment of the present invention.

2 is a signal flow diagram illustrating a process of earning a customer's points in the point earning system of FIG.

3 is a view showing the configuration of a point earning system according to another embodiment of the present invention.

4 is a signal flow diagram illustrating a process of earning points in the point earning system of FIG. 3.

5 is a diagram showing the configuration of a point earning server according to an embodiment of the present invention.

6 is a view showing the configuration of a point earning system according to another embodiment of the present invention.

FIG. 7 is a signal flowchart illustrating a point earning method in the point earning system of FIG. 6.

8 is a diagram showing the configuration of a point earning server according to another embodiment of the present invention.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings, whereby those skilled in the art may easily implement the technical idea of the present invention. There will be. In addition, in describing the present invention, when it is determined that the detailed description of the known technology related to the present invention may unnecessarily obscure the gist of the present invention, the detailed description thereof will be omitted. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise. In addition, the terms “… unit”, “module”, etc. described in the specification mean a unit that processes at least one function or operation, which may be implemented by hardware or software, or a combination of hardware and software.

Referring to FIG. 1, the point earning system according to the present embodiment includes an affiliated store terminal 110, a customer terminal 120, a card company server 130, a point earning server 150, and a communication network 170.

The merchant terminal 110 is a terminal having a credit card payment function as a payment terminal of a service merchant that sells goods or services and provides a point earning service according to the present invention. The affiliated store terminal 110 may be a general credit card payment terminal or a POS terminal. The merchant terminal 110 reads the credit card presented by the customer and transmits a payment approval request including transaction history information, credit card information, and merchant information to the card company server 130 and receives a payment approval response thereto. The transaction history information is a payment amount. The merchant terminal 110 may be understood to include not only an offline payment terminal such as the POS terminal, but also a payment system for online payment, for example, a payment system for a seller in an online electronic commerce.

The customer terminal 120 is a terminal of a customer who purchased goods or services at the affiliated store, and receives a credit card payment completion message from a card company server 130, and also receives a point accumulation completion message from a point earning server 150. It is a terminal. The customer terminal may be a CDMA mobile communication terminal, a WCDMA mobile communication terminal, an LTE mobile communication terminal, or the like. Here, the point accumulation completion message may be an SMS message or a push message pushed to the point accumulation management application installed in the customer terminal 120.

The card company server 130 is connected to the merchant terminal 110 and the communication network 170 to perform an authorization process for the credit card payment made at the merchant with reference to the customer database 140.

Specifically, when the card company server 130 receives a payment approval request including transaction history information, credit card information, and merchant information from the merchant terminal 110, the card company server 130 refers to the information included in the payment approval request and the customer database 140. After checking whether the payment is possible, the payment is approved if the payment is possible, and the payment approval response is transmitted to the affiliated store terminal 110. In this case, the card company server 130 may search the customer database 140 for the telephone number of the customer terminal 120 based on the credit card information and transmit a payment completion message to the customer terminal 120.

The customer database 140 stores merchant information, information of a customer who issued a credit card, and credit card payment history information of customers. In particular, the customer database 140 may store at least one of a phone number, ID, identification code as the information of the customer for the point accumulation interworking between the card company server 130 and the point earning server 150. Hereinafter, the information of this customer will be described as 'point accumulation interlocking identification information'. Although the phone number, ID, and identification code as an example of 'point earning interlocking identification information' is not limited thereto, and is a special offer if it is the only information that identifies the customer while mutually sharing between the point earning server 150 and the card company server 130. Can be applied without. In addition, the customer database 140 stores information as to whether or not the merchant providing the point earning service as the merchant information.

In the present invention, when the card company server 130 receives a payment approval request from the merchant terminal 110, using the merchant information included in the payment approval request whether the merchant is a merchant that provides a point earning service customer database ( In the case of an affiliated store that checks at 140 and provides a point earning service, the customer's 'point earning linkage identification information', for example, a phone number, ID, Extract any one of the identification code, and transmits to the point earning server 150, the point earning request including the extracted customer 'point earning linkage identification information' and transaction history information and merchant information.

Point earning server 150 is credited with the points of the customer who purchases goods or services in the affiliated with the card company server 130. Here, the points include stamps, coupons or miles. Specifically, when the point earning server 150 receives a point earning request including the 'point earning linkage identification information', the transaction history information and the merchant information of the customer who has made payment at the merchant from the card company server 130, The point is calculated based on the transaction details provided by the affiliate store and stored in the point database 160 using the 'point accumulation linkage identification information' of the customer.

The point database 160 divides and stores point information for each customer of customers who have subscribed to the point earning service for each affiliate store. Here, the reference of the customer information may be 'point accumulation interlocking identification information', and the point information includes the stamp or mileage described above. Table 1 below is a table showing point information for each customer stored in the point database 160.

Table 1

Point earning linkage identification information	Merchant Information	point
010-1111-1111	Merchant 1	2 stamps
	Merchant 2	1 stamp
	Merchant 3	Mileage 1000
	...	...
	Merchant N	Mileage 2000
010-2222-1111	Merchant 1	Stamp 5
010-2222-1111	...	...
...	...	...

In the example of [Table 1], the phone number is used as 'point accumulation interlocking identification information'. Points are accumulated for each merchant for each customer, and the type of the points is either stamp or mileage. In this embodiment, the points are credited to the customer for each merchant, but integrated points other than the merchant-specific points, such as OK CASHBAG, can be made to be credited to the customer.

The communication network 170 is a network connecting the affiliated store terminal 110, the customer terminal 120, the card company server 130, and the point earning server 150, and a mobile communication network such as a value added network (VAN), CDMA / WCDMA / LET, and the like. However, the present invention is not limited thereto, and a WiFi network and a dedicated line and a combination thereof may be applied to any network capable of transmitting and receiving data between components.

Conventionally, in order to receive points after a customer purchases an item or uses a service, the customer had to present a point credit card or present personal information such as a phone number or social security number to the seller, but the present invention described with reference to FIG. According to the customer, there is no need to present personal information or points earning card to the seller. If only the credit card payment is performed, the card company server 130 and the point earning server 150 automatically interlocks the points. Therefore, the customer does not have to carry the points credit card and does not have to expose personal information to the seller.

Referring to FIG. 2, a customer purchases an item or uses a service at an affiliate store, and presents a credit card to the affiliate store owner for payment therefor, and the affiliate store owner reads the customer's credit card to the affiliated terminal 110 and pays the amount. Enter (S201).

The merchant terminal 110 extracts credit card information from the customer's credit card and transmits a payment authorization request including the extracted credit card information, merchant information and payment amount information to the card company server 130 through the communication network 170. (S203).

The card company server 130 performs a payment approval process for the payment amount information based on the credit card information and transmits a payment approval response to the affiliated store terminal 110 (S205). At this time, the card company server 130 may extract the customer's phone number from the customer database 140 using the credit card information and transmit a payment complete SMS or MMS message to the customer terminal 120 using the phone number. .

Subsequently, the card company server 130 extracts the customer's 'point earning linkage identification information', for example, a phone number or point earning service ID, from the customer database 140 using the credit card information (S207). . In addition, the card company server 130 extracts merchant information and payment amount information from the payment approval request.

The card company server 130 transmits a point earning request including the extracted 'point earning linkage identification information', the affiliated store information, and the payment amount information to the point earning server 150 for earning points for the customer ( S209), the point earning server 150 calculates the points using the affiliated store information and the payment amount information and stores the calculated points in the point database 160 using the 'point earning linkage identification information' of the customer. (S211).

For example, in the merchant A stores one stamp for 1000 won, but if the customer has a phone number 010-111-1111 purchased 3000 won at the merchant A, the point earning server 150 is the card company server Receives the information of the merchant A as affiliated store information from 130 and receives information of 3,000 won as payment amount information, and receives the telephone number 010-111-1111 as the 'point accumulation interworking identification information' of the customer. Therefore, the point earning server 150 records three stamp information of the A merchant in 'point earning interlocking identification information' stored in the point database 160, that is, the telephone number 010-111-1111.

The point earning server 150 that has earned the point notifies the customer terminal 120 of the point earning completion (S213). If the customer's 'point earning linkage identification information' is a phone number, use the phone number immediately, and if the 'point earning linkage identification information' is identification information other than a phone number, use the 'point earning linkage identification information' The customer's telephone number is retrieved from the database 160 and used. The notification may be made through an SMS or MMS message, or may be in the form of sending a push message to a point accumulation management application installed in the customer terminal 120.

3 is a view showing the configuration of a point earning system according to another embodiment of the present invention. In FIG. 3, the same reference numerals as those of FIG. 1 include all the functions and operations described with reference to FIG. 1.

In the embodiment with reference to FIG. 3 compared to FIG. 1, the customer terminals are grouped into a point sharing group. For example, the customer terminal 1 (120), the terminal 2 (120-1), the customer terminal 3 (120-2) is grouped into a point sharing group 1, other customer terminals are also grouped into several point sharing group. These point sharing groups are bound with customer agreement and the point sharing group information is stored in the point database 160.

Point earning server 150 includes a payment amount information, merchant information and customer 'point earning linkage identification information' from the card company server 130 when a specific customer purchases goods or services at the merchant to make a credit card payment Receive a point earning request.

Point earning server 150 calculates points that can be used at the affiliated store according to the payment amount information and stores in the point database 160 using the 'point earning linkage identification information' of the customer, additionally belonging to the customer The point sharing group is checked in the point database 160, and the same points are earned to members belonging to the point sharing group.

Point earning server 150 after earning points to all members belonging to the point sharing group and notifies the points earned to the terminal of all the corresponding members. Point accumulation notifications include SMS, MMS messages, emails, or push notification messages to point accumulation management applications.

According to the embodiment of FIG. 3, when one customer purchases an item, the same point is earned not only for the customer but also for all members in the point sharing group to which the customer belongs, thereby attracting more customers. On the customer side, there are more benefits. However, the number of members constituting the point sharing group may be limited.

Referring to FIG. 4, a customer purchases an item or uses a service at an affiliate store, and presents a credit card to the affiliate store owner for payment therefor, and the affiliate store owner reads and pays the credit card to the affiliated store terminal 110. Enter (S401).

The merchant terminal 110 extracts credit card information from the customer's credit card and transmits a payment authorization request including the extracted credit card information, merchant information and payment amount information to the card company server 130 through the communication network 170. (S403).

The card company server 130 performs a payment approval process for the payment amount information based on the credit card information and transmits a payment approval response to the affiliated store terminal 110 (S405). Subsequently, the card company server 130 extracts the customer's 'point earning linkage identification information', for example, a phone number or point earning service ID, from the customer database 140 using the credit card information (S407). In addition, the card company server 130 extracts merchant information and payment amount information from the payment approval request.

Card company server 130 transmits to the point earning server 150 a point earning request including the extracted point 'corresponding point identification information, the merchant information, and the payment amount information of the extracted customer to earn points for the customer (S409).

The point earning server 150 calculates points using the affiliated store information and the payment amount information received from the card company server 130 (S411). In addition, the point earning server 150 checks the point sharing group in the point database 160 using the 'point earning linkage identification information' of the customer (S413), to all members belonging to the point sharing group including the customer. Earn points (S415).

Specifically, the point earning server 150 calculates the merchant points that can be used at the merchants using the merchant information and the payment amount information and stores the calculated merchant points to all members belonging to the point sharing group. Here, the credit means recording to the point database 160.

For example, in the merchant A stores one stamp for 1000 won, but if the customer has a phone number 010-111-1111 purchased 3000 won at the merchant A, the point earning server 150 is the card company server Receives the information of the merchant A as affiliated store information from 130 and receives information of 3,000 won as payment amount information, and receives the telephone number 010-111-1111 as the 'point accumulation interworking identification information' of the customer. The point earning server 150 checks the point sharing group in the point database 160 using the telephone number 010-111-1111, which is the 'point earning linkage identification information' of the customer, and then all members belonging to the identified point sharing group. Earn the same points.

The point earning server 150 that has accumulated the points notifies all of the members who belong to the point sharing group to accumulate points (S417). Point accumulation notifications include SMS / MMS messages, emails, or push notification messages to point accumulation management applications.

Referring to FIG. 5, the point earning server 150 according to the present embodiment includes a earning request receiving unit 510, a point sharing group checking unit 530, a point earning unit 550, and a point earning notification unit 570. do.

The earning request receiving unit 510 accumulates points including payment amount information of a customer who purchases goods or services at a specific merchant from the card company server 130, information of the specific merchant, and 'point accumulation interworking identification information' of the customer. Receive the request.

The point sharing group checking unit 530 checks the point sharing group in the point database 160 using the 'point accumulation linkage identification information' of the customer included in the point accumulation request. Here, the 'point earning linkage identification information' of the customer may be a telephone number or ID of a customer shared between the card company server 130 and the point earning server 150.

Point earning unit 550 calculates the merchant points that can be used in the affiliate store using the merchant information and the payment amount information included in the point earning request, the calculated merchant points included in the point earning request Earn in the point database 160 using the customer 'point earning linkage identification information'.

In addition, the point earning unit 550 not only purchases the actual goods or services, but also the same points for all members in the point sharing group to which the customer identified by the point sharing group checking unit 530 belongs to the member. Earn. Here, the credit means recording the affiliate store points in the point information of the members of the point sharing group in the point database 160.

When the points are accumulated to all members of the customer or the point sharing group by the point earning unit 550, the point accumulation notification unit 570 notifies all of the members of the corresponding customer or point sharing group that the points are accumulated. The point earning notification unit 570 notifies the fact of earning points through SMS / MMS message, e-mail, or push notification message push to the point earning management application.

Referring to FIG. 6, the point earning system according to the present embodiment includes an affiliated store terminal 610, a customer terminal 620, a card company server 630, a point earning server 650, and a communication network 670.

The merchant terminal 610 is a terminal having a credit card payment and a cash payment function, interlocks with a card company server 630 when paying a credit card, and outputs a receipt and stores transaction details when paying cash. In addition, the merchant terminal 610 outputs a QR code for receipt of points when paying for credit cards that are not linked to cash payments or point services.

The merchant terminal 610 includes a payment processing unit 611, a credit code request unit 613 and a receipt output unit 615.

The payment processing unit 611 reads the credit card of the customer, extracts the credit card information, and performs the credit payment in connection with the card company server 630. In addition, the payment processing unit 611 receives an input relating to the customer's cash payment from the merchant owner and stores the cash payment history.

The earning code request unit 613 is a transaction processing information or a merchant information transmitted from the payment processing unit 611 at the time of payment processing or cash payment processing using a credit card that is not contracted to the point earning service according to the present invention. Receiving credit code request is sent to the point earning server 650, and in response thereto receives the earning code. Herein, the transaction history information may include only a payment amount or may include a payment amount / product name / product code / purchase product number.

The receipt output unit 615 outputs a receipt at the time of credit card payment or cash payment. At this time, the receipt output unit 615 is a QR code including the access code (URL) of the earning code and the point earning server 650 at the time of payment or cash payment using a credit card that is not contracted to the point earning service according to the present invention. Print it out on the receipt and print it out. Here, the QR code is taken as an example, but an image code, for example, a barcode, may be used to record the access address and the earning code.

Since the receipt output unit 615 should print a QR code on the credit card payment receipt when the credit card payment, when the payment approval message is received from the card company server 630, the payment details are not immediately output as a receipt, and the point earning server 150 Wait until you receive the earning code from, and when the earning code is received, generates a QR code to output the receipt.

The customer terminal 620 is a terminal of a customer who purchased goods or services from the affiliated store, and scans a QR code to extract information, and has a built-in communication modem to access the point earning server 650 through a communication network 670. The terminal may receive a credit card payment completion message from the card company server 630 and also receive a point accumulation notification message from the point accumulation server 650. The customer terminal 620 may be a CDMA mobile communication terminal, a WCDMA mobile communication terminal, an LTE mobile communication terminal, or the like. Here, the point accumulation notification message may be an SMS or MMS message, or a push message pushed to the point accumulation management application installed in the customer terminal 120.

The customer terminal 620 has a scan program capable of scanning a QR code printed on the receipt output from the receipt output unit 615, and the access address of the point earning server 650 as a result of scanning with the scan program ( URL) to access the point earning server 650. The customer terminal 620 transmits the customer identification information such as a phone number or a PIN number and the earning code extracted from the QR code to the point earning server 650 to request the point earning.

In the above description, the QR code has been described as including an access address (URL) of the point earning server 150, but the above-described point earning management application is installed in the customer terminal 120 and the point earning management application is a QR code. If the scanning address and the access address (URL) of the point earning server 150 is set in the point earning management application, the QR code may not include the access address (URL).

The card company server 630 is connected to the affiliated store terminal 610 and the communication network 670 to perform an authorization process for the credit card payment made at the affiliate store with reference to the customer database 640. Since the process of credit card payment processing is a well-known technique, detailed description is abbreviate | omitted here.

Point earning server 650, from the merchant terminal 610 receives a request for earning code including the transaction details and merchant information of the customer, and generates the earning code according to the request with the transaction history information and merchant information Stored in the point database 660 and returns the generated earning code to the affiliated store terminal (610).

The earning code may be understood as distinguishing a payment transaction, and is generated for one time when a payment transaction occurs, and when the point accumulation is completed, the corresponding earning code is deleted.

The point earning server 650 scans a QR code including an earning code and an access address (URL) printed on a receipt, and then, from the customer terminal 620 that is connected by using the access URL, the customer identification information (eg, Phone number or PIN code) and the credit code scanned from the QR code.

Point earning server 650, using the earning code received from the customer terminal 620, check the transaction history information and merchant information previously received and stored from the merchant terminal 610 in the point database 660, and After calculating the point according to the transaction history information provided by the merchant and stores in the point database 660 using the customer identification information received from the customer terminal 620.

For example, if merchant A provides one stamp for every 1,000 won, and the customer buys the product for 3,000 won, the customer earns three stamps for the customer, or if merchant A buys two donuts, If a customer purchases 4 donuts, 2 stamps will be awarded to the customer.

The point database 160 divides and stores points of customers who have subscribed to the point earning service for each affiliate store. Here, the reference of the customer information may be the customer identification information, and the point includes the stamp or mileage described above.

According to the embodiment described with reference to FIG. 6, the customer does not have to present personal information or points earning card to the seller in order to earn points. All you have to do is scan the QR code printed on your receipt and you will automatically earn points. Therefore, it is possible to protect personal information, and customers do not have to carry a loyalty card.

Referring to FIG. 7, the merchant terminal 610 transmits a credit code request including transaction history information and merchant information to the point earning server 650 while performing payment processing or cash payment processing using a credit card (S701). (S703). The transaction detail information may include only a payment amount or may include a payment amount / product name / product code / purchase product number.

At this time, the merchant terminal 610 may transmit a credit code request only when processing a payment using a credit card that is not contracted for the point earning service according to the present invention during the credit card payment, and the credit card is not contracted for the point earning service. It may be determined whether the payment is card company information included in the payment approval information received from the card company server 630. And since the merchant terminal 610 needs to print a QR code on the credit card payment receipt as described later, when the payment approval message is received from the card company server 630, the QR code is generated without immediately outputting it as a receipt. Wait until buffered.

The point earning server 650 receiving the request for the earning code generates a earning code according to the request, stores it in a database along with the transaction history information and the merchant information, and stores the generated earning code to the affiliated store terminal 610. Reply (S705, S707).

The affiliated store terminal 610 outputs a QR code including the earning code and the access address of the point earning server 650 in a receipt (S709). In this case, the QR code is taken as an example, but an image code, for example, a barcode, may be used to record an access address and an accumulation code.

The customer terminal 620 scans the QR code printed on the receipt to extract the access address and accesses the point earning server 650 using the extracted access address. And the customer terminal 620 transmits a point earning request including the customer identification information (for example, the phone number) and the earning code extracted from the QR code to the point earning server 650 (S711, S713).

Point earning server 650, using the earning code received from the customer terminal 620, transaction history information and merchant information previously received and stored from the merchant terminal 610, that is, the transaction stored in step S705 described above After confirming the details information and the merchant information, calculate points that can be used in the merchant according to the payment amount and accumulates in the point database 660 using the customer identification information received from the customer terminal 620 (S715). ).

In addition, the point earning server 650 notifies the point earning fact to the customer terminal 620 after earning the points (S717). The point accumulation notification may be made through SMS / MMS message, email, or push notification message to the point accumulation management application.

In the embodiment referring to FIG. 7, the points of the affiliate store are accumulated only to the customer who made the payment, but as in the above-described embodiment, the same merchant point may be earned to all members in the point sharing group to which the corresponding customer belongs. . In detail, in step S713, the point earning server 650 checks the point sharing group in the point database 660 using the identification information of the customer, and then earns the same merchant points to all members belonging to the point sharing group, and step S717. Can notify all members of the points earned.

Referring to FIG. 5, the point earning server 650 according to the present embodiment includes an earning code request receiving unit 810, an earning code generating unit 820, an earning request receiving unit 830, a point sharing group checking unit 840, It includes a point earning unit 850 and a point earning notification unit 860.

The earning code request receiving unit 810 receives an earning code request including transaction details and affiliated store information from the affiliated store terminal 610. The transaction history information may include only a payment amount or may include a payment amount, a trade name, and a quantity.

The earning code generator 820 generates an earning code for the transaction history information according to the earning code request, stores the earning code with the transaction history information and the affiliated store information in the point database 660, and stores the generated earning code. Transmit to the merchant terminal 610.

As described above, the earning code transmitted to the affiliated store terminal 610 is printed on the receipt as a QR code together with the access address of the point earning server 650, and the customer terminal 620 scans the QR code printed on the receipt for points. Access to the earning server 650 and will request to earn points.

The earning request receiving unit 830 scans a QR code including an earning code and an access address (URL) printed on the receipt, and then, from the customer terminal 620 that accesses using the access URL, receives customer identification information ( For example, a phone number or a PIN code) and a point earning request including the earning code scanned from the QR code.

The point sharing group checking unit 840 checks the point sharing group in the point database 660 using the customer identification information included in the point earning request.

Point earning unit 850, using the earning code included in the point earning request received from the customer terminal 620, the transaction history information and merchant information previously received and stored from the merchant terminal 610 point database ( In step 660, after calculating points that can be used in the affiliated store according to the transaction history information, the points are equally accumulated to the user of the customer terminal 620 and all members of the identified point sharing group. do. Earn here refers to recording points in the point database 660.

When the points are accumulated by the point earning unit 850, the point earning notification unit 860 notifies all of the points in the customer terminal 620 and the members in the point sharing group. The point accumulation notification unit 860 notifies the point accumulation facts through SMS / MMS message, e-mail, or push notification message to the point accumulation management application.

In the above-described embodiment of the present invention, but mainly described for earning points to the customer for each merchant, but is not limited to this, if you purchase the goods from any merchants agreed to the point earning service without the distinction of merchants, such as okcashback (okcashback) It is also possible to earn points to customers according to uniform rules. That is, it is also possible to apply a method of earning points in proportion to the transaction amount. According to this, the transaction history information sent when the merchant terminal 610 requests the earning code may include only a payment amount and does not need to include the merchant information.

As described above, the method of the present invention may be implemented as a program and stored in a recording medium (CD-ROM, RAM, ROM, floppy disk, hard disk, magneto-optical disk, etc.) in a computer-readable form.

While this specification includes many features, such features should not be construed as limiting the scope of the invention or the claims. Also, the features described in the individual embodiments herein can be implemented in combination in a single embodiment. Conversely, various features described in a single embodiment herein can be implemented in various embodiments individually or in appropriate subcombination.

In addition, it should be understood that the division of various system components in the above-described embodiments does not require such division in all embodiments. The program components and systems described above may generally be packaged in a single software product or multiple software products.

The present invention described above is capable of various substitutions, modifications, and changes without departing from the technical spirit of the present invention for those skilled in the art to which the present invention pertains. It is not limited by the drawings.

Claims

In the point earning device linked with the card company server that stores the customer's point accumulation linkage identification information and credit card information corresponding to the credit card payment authorization,

Storage means for storing points of the customers using a point earning service based on the point earning linkage identification information;

A credit request receiving unit for receiving a credit request from the card company for earning a point including a transaction history information on which credit card payment has been approved and point earning linkage identification information obtained using credit card information; And

And a point earning unit for calculating points based on the transaction history information and accumulating the calculated points in the storage means using the point earning linkage identification information included in the point earning request.
The method of claim 1,

And a sharing group checking unit for checking a point sharing group in the storage unit.

The point earning unit,

Point earning device, characterized in that the same points earned to all the members belonging to the point sharing group.
The method according to claim 1 or 2,

The point earning request further includes merchant information,

The point earning unit,

Point earning device, characterized in that the points that can be used in the affiliated store based on the affiliated store information is calculated according to the transaction history information and stored in the storage means.
The method according to claim 1 or 2,

An earning code request receiving unit for receiving an earning code request including transaction information from a merchant terminal; And

A credit code generation unit for generating a credit code and storing the credit code along with the transaction information in the storage means and transmitting the credit code to the affiliated store terminal;

The earning request receiving unit receives a request for earning points including customer identification information and the earning code from the customer terminal,

The point accumulator calculates points based on the transaction history information extracted from the storage means using the earning code included in the point accumulating request and accumulates the calculated points in the storage means using the customer identification information. Point earning device, characterized in that.
The method of claim 4, wherein

The earning code transmitted to the merchant terminal is generated as an image code and printed on the receipt by the merchant terminal,

The earning request receiving unit,

The point earning device, characterized in that for receiving the point earning request including the customer identification information and the earning code from the customer terminal as the image code is scanned by the customer terminal.
The method of claim 5,

The image code is,

Point earning device, characterized in that any one of a QR code or a barcode.
In the method of earning points by a point earning device that works in conjunction with the card company server that stores the points earning linkage identification information and credit card information of the customers and performs credit card payment approval,

Receiving a point accumulation request from the card company server including transaction history information for which credit card payment has been approved and point accumulation linkage identification information obtained using credit card information;

Calculating points based on transaction history information included in the point earning request; And

And accumulating the calculated points in a storage means by using the point earning linkage identification information included in the point earning request.
The method of claim 7, wherein

Identifying a point sharing group in the storage means;

And accumulating the calculated points equally to all members belonging to the point sharing group.
The method according to claim 7 or 8,

The point earning request further includes merchant information,

Computing the point,

Point earning method, characterized in that for calculating the points that can be used in the affiliated store based on the merchant information based on the transaction history information.
The method according to claim 7 or 8,

Receiving a credit code request including transaction information from the merchant terminal;

Generating an earning code and storing it in the storage means together with the transaction information and transmitting the earning code to the affiliated store terminal;

Receiving a point earning request including the customer identification information and the earning code from the customer terminal;

Extracting transaction detail information from the storage means using the earning code included in the point earning request and calculating points based on the extracted transaction detail information; And

Accumulating the calculated points in the storage means using the customer identification information; Point earning method characterized in that it further comprises.
The method of claim 10,

The earning code transmitted to the merchant terminal is generated as an image code and printed on the receipt by the merchant terminal,

Receiving a point earning request including the earning code,

As the customer terminal scans the image code, the point earning method characterized in that for receiving a point earning request including the customer identification information and the earning code from the customer terminal.
The method of claim 11,

The image code is,

Point earning method characterized in that any one of a QR code or a barcode.