WO2014014211A1 - Appareil d'accumulation de points et procédé correspondant - Google Patents

Appareil d'accumulation de points et procédé correspondant Download PDF

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Publication number
WO2014014211A1
WO2014014211A1 PCT/KR2013/005687 KR2013005687W WO2014014211A1 WO 2014014211 A1 WO2014014211 A1 WO 2014014211A1 KR 2013005687 W KR2013005687 W KR 2013005687W WO 2014014211 A1 WO2014014211 A1 WO 2014014211A1
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WO
WIPO (PCT)
Prior art keywords
earning
point
code
information
customer
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PCT/KR2013/005687
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English (en)
Korean (ko)
Inventor
박성준
박지훈
박경민
Original Assignee
주식회사 나인플라바
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Publication of WO2014014211A1 publication Critical patent/WO2014014211A1/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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • 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

Definitions

  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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;
  • 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 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.
  • 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 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.
  • 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.
  • 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.
  • FIG. 1 is a view showing the configuration of a point earning system according to an embodiment of the present invention.
  • FIG. 2 is a signal flow diagram illustrating a process of earning a customer's points in the point earning system of FIG.
  • FIG. 3 is a view showing the configuration of a point earning system according to another embodiment of the present invention.
  • FIG. 4 is a signal flow diagram illustrating a process of earning points in the point earning system of FIG. 3.
  • FIG. 5 is a diagram showing the configuration of a point earning server according to an embodiment of the present invention.
  • FIG. 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.
  • FIG. 8 is a diagram showing the configuration of a point earning server according to another embodiment of the present invention.
  • FIG. 1 is a view showing the configuration of a point earning system according to an embodiment of the present invention.
  • the point earning system 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.
  • 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.
  • the card company server 130 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.
  • 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.
  • the information of this customer will be described as 'point accumulation interlocking identification information'.
  • 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.
  • the customer database 140 stores information as to whether or not the merchant providing the point earning service as the merchant information.
  • the card company server 130 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.
  • 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.
  • the points include stamps, coupons or miles.
  • 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.
  • 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.
  • 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.
  • 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.
  • VAN value added network
  • CDMA / WCDMA / LET a mobile communication network
  • 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.
  • 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.
  • FIG. 2 is a signal flow diagram illustrating a process of earning a customer's points in the point earning system of FIG.
  • 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. .
  • 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). .
  • 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).
  • 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.
  • FIG. 3 is a view showing the configuration of a point earning system according to another embodiment of the present invention.
  • the same reference numerals as those of FIG. 1 include all the functions and operations described with reference to FIG. 1.
  • the customer terminals are grouped into a point sharing group.
  • 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.
  • 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.
  • the number of members constituting the point sharing group may be limited.
  • FIG. 4 is a signal flow diagram illustrating a process of earning points in the point earning system of FIG. 3.
  • 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.
  • 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.
  • the customer's 'point earning linkage identification information' for example, a phone number or point earning service ID
  • 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).
  • 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.
  • the credit means recording to the point database 160.
  • 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.
  • FIG. 5 is a diagram showing the configuration of a point earning server according to an embodiment of the present invention.
  • the point earning server 150 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.
  • 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'.
  • 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.
  • 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.
  • the point accumulation notification unit 570 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.
  • FIG. 6 is a view showing the configuration of a point earning system according to another embodiment of the present invention.
  • the point earning system 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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
  • 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.
  • a QR code including an earning code and an access address (URL) printed on a receipt
  • 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.
  • the point database 160 divides and stores points of customers who have subscribed to the point earning service for each affiliate store.
  • the reference of the customer information may be the customer identification information, and the point includes the stamp or mileage described above.
  • 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.
  • FIG. 7 is a signal flowchart illustrating a point earning method in the point earning system of FIG. 6.
  • 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.
  • 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).
  • 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). ).
  • 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.
  • 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.
  • 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.
  • FIG. 8 is a diagram showing the configuration of a point earning server according to another embodiment of the present invention.
  • the point earning server 650 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.
  • 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.
  • customer identification information For example, a phone number or a PIN 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.
  • the point earning notification unit 860 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.
  • 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.
  • 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.
  • a recording medium CD-ROM, RAM, ROM, floppy disk, hard disk, magneto-optical disk, etc.

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  • Business, Economics & Management (AREA)
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  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Development Economics (AREA)
  • Finance (AREA)
  • Economics (AREA)
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  • Marketing (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un appareil et un procédé qui permettent d'accumuler des points pour un achat sans qu'il soit nécessaire de fournir des informations personnelles ou une carte d'accumulation de points à un vendeur après l'achat d'un produit ou d'un service.
PCT/KR2013/005687 2012-07-16 2013-06-27 Appareil d'accumulation de points et procédé correspondant WO2014014211A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR1020120077100A KR20140010619A (ko) 2012-07-16 2012-07-16 포인트 적립을 위한 장치 및 그 방법
KR10-2012-0077100 2012-07-16

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WO2014014211A1 true WO2014014211A1 (fr) 2014-01-23

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KR101711697B1 (ko) * 2014-04-03 2017-03-02 중소기업은행 보안통장, 식별코드를 이용한 통장인자서비스 제공방법 및 장치
CN107111829A (zh) * 2014-12-31 2017-08-29 金成吉 网上交易积分合并累积、确认系统及其方法
KR102046327B1 (ko) * 2015-09-04 2019-11-19 주식회사 더페이 신용카드 사용에 따른 포인트 적립 및 사용 방법
KR102191336B1 (ko) * 2020-04-01 2020-12-15 주피타카 주식회사 신용카드 번호를 이용한 고객원장 자동생성 및 포인트 관리 시스템
KR102222392B1 (ko) * 2020-04-02 2021-03-03 주피타카 주식회사 신용카드 번호를 이용한 고객원장 자동생성 및 마케팅 시스템

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KR20060059368A (ko) * 2004-11-29 2006-06-02 김유정 포인트 분배방법 및 시스템과 이를 위한 기록매체 및 정보저장매체
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KR20120059480A (ko) * 2010-04-28 2012-06-08 김형준 바코드를 이용한 포인트 관리 서비스 및 포인트 관리 시스템

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KR20060059368A (ko) * 2004-11-29 2006-06-02 김유정 포인트 분배방법 및 시스템과 이를 위한 기록매체 및 정보저장매체
KR20070075986A (ko) * 2006-01-17 2007-07-24 주식회사 아이캐시 한 개의 카드번호를 이용한 복수의 멤버십카드 지원 시스템및 방법
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