WO2015178546A1 - Procédé de fourniture de service de carte à points intégré - Google Patents

Procédé de fourniture de service de carte à points intégré Download PDF

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Publication number
WO2015178546A1
WO2015178546A1 PCT/KR2014/008728 KR2014008728W WO2015178546A1 WO 2015178546 A1 WO2015178546 A1 WO 2015178546A1 KR 2014008728 W KR2014008728 W KR 2014008728W WO 2015178546 A1 WO2015178546 A1 WO 2015178546A1
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WO
WIPO (PCT)
Prior art keywords
user terminal
payment
server
amount
event
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PCT/KR2014/008728
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English (en)
Korean (ko)
Inventor
권오석
Original Assignee
주식회사 기가코리아
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Publication of WO2015178546A1 publication Critical patent/WO2015178546A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • 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

Definitions

  • the present invention relates to a method for providing an integrated point card service.
  • the method of integrating the points is made of a method of integrating and paying points of a plurality of cards into one card.
  • Korean Patent Laid-Open Publication No. 2007-0026939 (published on March 9, 2007), which is a prior art, charges by linking mileage points, electronic money, electronic gift certificates, prepaid cards, debit cards and other credit cards in one card number.
  • the present invention discloses a method of making a payment and earning mileage points generated by a transaction.
  • One embodiment of the present invention by charging the prepaid card by integrating the distributed points, it is possible to directly charge and use the points integrated in the prepaid card that the user wants to use directly, Since infrastructure has already been established, it is possible to provide a method for providing an integrated point card service that a user can use immediately without building a separate system by using a prepaid card.
  • the technical problem to be achieved by the present embodiment is not limited to the technical problem as described above, and other technical problems may exist.
  • an embodiment of the present invention integrating the points corresponding to the purchase of at least one server of the user terminal to store the mapping with the user terminal, prepaid stored points Receiving a charging event for charging a smart card, subtracting a point corresponding to the charge amount included in the charging event, synchronizing data on the deducted point with at least one server, prepaid card from the user terminal
  • receiving a usage event of using the payment amount and the payment amount included in the usage event to determine whether to approve the payment, if the payment amount is less than the payment amount, approves the payment to the payment authorization event to the user terminal
  • transmitting the prepaid card and communicating with the user terminal.
  • the amount charged or corresponding to, characterized in that used is the accepted amount credited to the prepaid card.
  • the problem solving means of the present invention it is possible to charge the distributed points directly to the traffic card using his smartphone, the infrastructure for the prepaid card is already established, the user is already prepaid card Because you have one by one, you do not need to build the infrastructure separately, separate card issuance or new member registration, you can use the decentralized points immediately cashed, you can apply for interlocking payments from one terminal to another In this case, the amount charged using the prepaid card can be immediately converted into cash.
  • FIG. 1 is a block diagram illustrating an integrated point card service providing system according to an embodiment of the present invention.
  • FIG. 2 is a configuration diagram illustrating the integrated point card service providing server illustrated in FIG. 1.
  • FIG. 3 is a diagram illustrating an embodiment in which an integrated point charging service is implemented in the user terminal illustrated in FIG. 1.
  • FIG. 4 is a diagram illustrating an embodiment in which an integrated point use service is implemented in the user terminal illustrated in FIG. 1.
  • FIG. 5 is a diagram illustrating another embodiment in which an integrated point use service is implemented in the user terminal illustrated in FIG. 1.
  • FIG. 6 is a configuration diagram illustrating an embodiment of an integrated point card service providing system illustrated in FIG. 1.
  • FIG. 7 is a diagram illustrating a process of transmitting and receiving data between components included in the integrated point card service providing system of FIG. 1 according to an exemplary embodiment of the present invention.
  • FIG. 8 is a flowchart illustrating an integrated point card service providing method according to an embodiment of the present invention.
  • an integrated point card service providing system 1 may include at least one server 100, an integrated point card service providing server 300, and at least one other server 400. ), A first user terminal 500, a second user terminal 600, at least one payment terminal 800, and at least one POS terminal 900.
  • the integrated point card service providing system 1 of FIG. 1 is only an embodiment of the present invention, the present invention is not limitedly interpreted through FIG. 1.
  • each component of FIG. 1 is generally connected through a network 200.
  • a network 200 For example, as shown in FIG. 1, at least one server 100 and an integrated point card service providing server 300 may be connected through a network 200.
  • at least one other server 400 and at least one payment terminal 800 or at least one POS terminal 900 may be connected through the network 200.
  • the integrated point card service providing server 300 and the other at least one server 400 may be connected through the network 200.
  • the first user terminal 500 and the second user terminal 600 may be connected through the network 200.
  • the network 200 refers to a connection structure capable of exchanging information between each node, such as terminals and servers, an example of such a network 200, the Internet (LAN), Local Area Network (LAN) ), Wireless Local Area Network (WLAN), Wide Area Network (WAN), Personal Area Network (PAN), Bluetooth, NFC, RFID, 3G, 4G, LTE, Wi-Fi, and the like.
  • LAN Local Area Network
  • WLAN Wireless Local Area Network
  • WAN Wide Area Network
  • PAN Personal Area Network
  • Bluetooth NFC
  • RFID 3G, 4G, LTE, Wi-Fi
  • the first user terminal 500 may be referred to as the user terminal 500 and is defined as pointing to the same terminal.
  • the at least one server 100 may be a server that provides at least one site.
  • the at least one server 100 may be a server providing at least one site to which the first user terminal 500 or the second user terminal 600 is connected and purchases an item.
  • the at least one server 100 may be a server for synchronizing points for purchase of the first user terminal 500 or the second user terminal 600 to the integrated point card service providing server 300.
  • the server does not require re-login. Can be.
  • the integrated point card service providing server 300 determines whether to approve the payment event when the first user terminal 500 performs payment to at least one server 100 or another at least one server 400. The server may determine and transmit the result to the first user terminal 500.
  • the integrated point card service providing server 300 is a server that integrates the points of the first user terminal 500 or the second user terminal 600, and the integrated points are charged in the prepaid card 700. Can be.
  • the integrated point card service providing server 300 the server to make a payment using the prepaid card 700 in the first user terminal 500, when the interlocking payment event occurs in the second user terminal 600. Can be.
  • the other at least one server 400 may be a server connected with at least one payment terminal 800 or at least one POS terminal 900. Accordingly, the other at least one server 400 may be a server that communicates with the integrated point card service providing server 300 and determines whether to approve payment of the prepaid card 700. For example, when a traffic card use event occurs in at least one payment terminal 800, the other at least one server 400 may transmit the use event to the integrated point card service providing server 300, and the integration point.
  • the card service providing server 300 may determine whether the payment is approved by determining whether the card is a valid card and whether the corresponding amount can be used effectively, and then transmit the same to the other at least one server 400.
  • the other at least one server 400 determines whether the prepaid card 700 is normally available in the at least one payment terminal 800 or the at least one POS terminal 900, and at least one The feedback may be transmitted to the payment terminal 800 or the at least one POS terminal 900.
  • the first user terminal 500 and the second user terminal 600 may be terminals owned by one user.
  • the first user terminal 500 may be a terminal capable of charging or using the prepaid card 700.
  • the first user terminal 500 may perform payment in connection with the second user terminal 600. For example, when the payment request is made by the second user terminal 600, the payment may be performed by the first user terminal 500.
  • the first user terminal 500 or the second user terminal 600 communicates with the integrated point card service providing server 300 to be held by the user of the first user terminal 500 or the second user terminal 600. It may be a terminal that checks how much the integration point is.
  • the first user terminal 500 may be a terminal having an RFID or NFC interface.
  • the first user terminal 500 or the second user terminal 600 may be implemented as a computer that can access a server or a terminal in a remote location through the network 200.
  • the computer may include, for example, a notebook, a desktop, a laptop, and the like, equipped with a web browser.
  • the first user terminal 500 or the second user terminal 600 may be implemented as a terminal that can access a server or a terminal in a remote location through the network 200.
  • the first user terminal 500 or the second user terminal 600 is, for example, a wireless communication device that ensures portability and mobility, and includes a personal communication system (PCS), a global system for mobile communications (GSM), and a PDC ( Personal Digital Cellular (PHS), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), International Mobile Telecommunication (IMT) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), It may include all kinds of handheld-based wireless communication devices such as a Wibro (Wireless Broadband Internet) terminal, a smart phone, a smart pad, a tablet PC, and the like.
  • Wibro Wireless Broadband Internet
  • the prepaid card 700 may be a card capable of communicating through an NFC or RFID interface.
  • the prepaid card 700 may be a card that can be charged or used by the first user terminal 500.
  • the prepaid card 700 may be, for example, a transportation card.
  • the at least one payment terminal 800 may be a terminal provided in the public transportation to collect the public transportation fee.
  • the at least one payment terminal 800 may be a card terminal provided in the bus or a card terminal provided in the subway.
  • the at least one POS terminal 900 may be a terminal connected to at least one server 100 or another at least one server 400, and may be provided, for example, in an offline store.
  • at least one payment terminal 800 or at least one POS terminal 900 may be a terminal capable of communicating with the prepaid card 700 through NFC or RFID.
  • FIG. 2 is a diagram illustrating an integrated point card service providing server illustrated in FIG. 1.
  • FIG. 3 is a diagram illustrating an embodiment in which an integrated point charging service is implemented in a user terminal illustrated in FIG. 1.
  • 4 is a diagram illustrating an embodiment in which an integration point use service is implemented in a user terminal illustrated in FIG. 1
  • FIG. 5 is a diagram illustrating another embodiment in which an integration point use service is implemented in a user terminal illustrated in FIG. 1.
  • FIG. 6 is a block diagram illustrating an embodiment of the integrated point card service providing system illustrated in FIG. 1.
  • the integrated point card service providing server 300 may include a storage unit 310, a subtraction unit 320, a synchronization unit 330, and a first determination unit 340.
  • the first transmitter 350, the receiver 360, the second transmitter 370, the second determiner 380, and the third transmitter 390 may be included.
  • the integrated point card service providing server 300 or another server (not shown) operating in conjunction with the integrated point card service providing server 300 according to an embodiment of the present invention is an integrated point card service application, a program, a web page, or the like. Transmits to the first user terminal 500 or the second user terminal 600, the first user terminal 500 or the second user terminal 600 may install an application, a program, a web page, or the like for the corresponding service. Can open In addition, the service program may be driven in the first user terminal 500 or the second user terminal 600 using a script executed in a web browser.
  • the web browser is a program that enables the use of the World Wide Web (WWW) service, and refers to a program that receives and displays hypertext described in HTML (hyper text mark-up language), for example, Netscape. , Explorer, chrome and the like.
  • an application means an application on a terminal, and includes, for example, an app running on a mobile terminal (smartphone).
  • the network 200 is connected to at least one server 100, integrated point card service providing server 300, at least one other server 400, the first user terminal 500, the second user terminal 600 That is, at least one payment terminal 800 and at least one POS terminal 900 means that a communication object is created at a communication contact point for communication with a terminal connected to the network 200.
  • the integrated point card service providing server 300 may exchange data with each other through a communication object.
  • the integrated point card service does not only consolidate the points of users distributed in a plurality of sites into one, but also charges the integrated points into a prepaid card 700 such as a transportation card, and the charged prepaid card 700. Using as a transportation card or other payment means.
  • the integrated point card service includes a service for performing payment using the prepaid card 700 in the first user terminal 500 when a request for interworking payment occurs in the second user terminal 600. .
  • the storage unit 310 may integrate the points corresponding to the purchase of the at least one server 100 of the user terminal 500 and map them with the user terminal 500 and store the same.
  • the user terminal 500 is the first user terminal 500
  • the user terminal 500 may also include the second user terminal 600. That is, regardless of the type of the user terminal 500, the storage unit 310 may be connected to the user terminal 500 when a user purchases at least one server 100 regardless of which terminal the user uses. Can be mapped and stored.
  • the subtraction unit 320 may subtract a point corresponding to the charge amount included in the charging event.
  • the user terminal 500 operates in the NFC reading mode or the RFID reading mode to prepaid card 700.
  • the pre-charged amount charged in the) and operates in the NFC charging mode or RFID charging mode to add the charge amount and the charge amount corresponding to the charging point in the prepaid card 700 as the pre-charge amount can be recorded.
  • FIG. 3 when the application is driven in the user terminal 500 as shown in (a), a point that is mapped and stored with the user of the user terminal 500 may be illustrated.
  • the user terminal 500 may output a preparatory step screen for reading the payable amount charged in the prepaid card 700.
  • the user terminal 500 may output a preparatory step screen for reading the payable amount charged in the prepaid card 700.
  • the user terminal 500 can be charged by showing the amount of payment and the amount of charge that is the currently charged amount, and (d) the user terminal 500, when the charging is completed,
  • the prepaid card 700 may display how much can be charged.
  • the synchronization unit 330 may synchronize data about the subtracted point with the at least one server 100. For example, assuming that the user charged 100,000 points to the prepaid card 700, the synchronizer 330 may reduce the charged points by at least one server 100. To keep the same point as the reduced point.
  • the first determination unit 340 may determine whether to approve payment using the payment amount and the payment amount included in the usage event. .
  • the first transmission unit 350 may approve the payment and transmit a payment approval event to the user terminal 500.
  • the user terminal 500 receives a payment approval event
  • the user terminal 500 operates in the NFC charging mode or the RFID charging mode, and the payment included in the use event in the amount payable of the prepaid card 700.
  • FIG. 4 when the user presses a button to use the user terminal 500 as shown in (a), the payment window is shown as shown in (b) and the prepaid card 700 as shown in (c).
  • the first determination unit 340 when the first determining unit 340 receives the usage event of the prepaid card 700 from the at least one server 100 or the other at least one server 400, the first determination unit 340 is included in the usage event.
  • the payment amount and the payment amount can be used to determine whether to approve the payment.
  • the first transmission unit 350 may approve the payment and transmit a payment approval event to the at least one server 100 or the other at least one server 400.
  • a payment approval event is received from at least one server 100 or another at least one server 400, at least one POS linked with at least one server 100 or another at least one server 400.
  • the terminal 800 or the at least one payment terminal 900 operates in the NFC charging mode or the RFID charging mode, thereby subtracting the payment amount included in the use event from the payment amount of the prepaid card 700 in the new payment. You can record as much money as possible.
  • the prepaid card 700 may be charged with an amount corresponding to a point through communication with the user terminal 500, or a payable amount accumulated in the prepaid card may be used.
  • the user terminal 500 may include an NFC or RFID communication interface, and the prepaid card 700 may be an NFC or RFID card capable of communicating with the user terminal 500.
  • the user terminal 500 may include a first user terminal 500 or a second user terminal 600.
  • the receiver 360 may receive a linked purchase event for at least one server 100 of the second user terminal 600.
  • the second transmitter 370 may transmit the NFC reading mode or the RFID reading mode request message to the first user terminal 500.
  • the second determination unit 380 uses the settlement amount and the settlement amount included in the linked purchase event to approve the settlement. You can decide whether or not. If the payment amount is less than or equal to the payment amount, the third transmission unit 390 may approve the payment and transmit a payment approval event to the first user terminal 500. Through this, in the mobile terminal, which is the first user terminal 500, the payment may be performed using the prepaid card 700.
  • the prepaid card 700 may be a rechargeable transportation card.
  • the user terminal 500 at least one site provided by the at least one server 100 based on a single sign-on, when a login to one site is made, at least from one site When moving to one of the sites, relogin may not be required.
  • the integrated point card service providing server 300 may be a server that allows the user terminal 500 to access the first site with an iPin ID and password, and automatically log in to the second site through the first site.
  • the integrated point card service providing server 300 may be a server that allows the user terminal 500 to connect to the second site with an iPin ID and password, and automatically log in to the first site through the second site. .
  • the integrated point card service providing server 300 extracts the duplication registration information (Duplication Information) and the first domain information of the first site mapped to the iPin ID and password, the extracted duplicated subscription confirmation information, the first domain information And based on the iPin ID, check whether the user terminal 500 is subscribed to the second site, and if the user terminal 500 is subscribed to the second site, the extracted duplicated registration confirmation information and the first information.
  • the user terminal 500 may automatically log in to the second site.
  • the input for accessing the second site of the user terminal 500 may be an input corresponding to the banner click located at the first site to be connected to the second site.
  • the integrated point card service providing server 300 may be a server that collectively manages point use events occurring in at least one site provided by the at least one server 100. At this time, the integrated point card service providing server 300, if an event using the point in the user terminal 500, whether the point is a point that can be paid by any one server 100, and the own If payment is not possible, a parameter may be received from any one server 100 and the point payment may be processed in connection with at least one server 100.
  • the integrated point card service providing server 300 is a server that enables the integrated login of the user terminal 500 based on the single sign-on method, and integrated the points generated as a result of the purchase of the user terminal 500. Can be.
  • the integrated point card service providing server 300 performs a payment corresponding to the point use event in association with the at least one server 100 when a point use event generated in the payment of the user terminal 500 occurs. can do.
  • the point use event of the user terminal 500 is not limited to an online site, but may also include an offline affiliated store. Accordingly, the integrated point card service providing server 300 allows the user terminal 500 to use the points accumulated by integrating online or offline without distinction and to use the distributed points of the user terminal 500 integrally. To be able.
  • At least one server 100 and another at least one server 400 associated with the integrated point card service providing server 300 may be deleted by dragging and dropping at least one user interface. Can be edited, created, moved, rearranged, and resized. That is, the integrated point card service providing server 300 may provide a tool that allows the site administrator to directly build and manage the site as well as linking the site. Accordingly, the integrated point card service providing server 300 provides an integrated business solution based on at least one integrated database (not shown) so as to correspond to a platform built in the integrated point card service providing server 300. .
  • the pre-built platform may include a shopping mall, a homepage, a builder system providing an SNS service, an editor system for producing web content, an application based on affiliated stores and store management, a settlement system capable of profit distribution and sales settlement, It may include at least one of an online shopping mall and POS system, a credit card system, a delivery system, membership management, sales management, revenue management, store management, inventory management, and merchant management.
  • the builder system may be based on an All Plex method in which an icon may be enlarged, reduced, and rotated in a horizontal direction and a vertical direction so as to correspond to an input of a mouse interface or a touch-based interface.
  • the builder system provides an all-flex method so that an operator can operate a personalized shopping mall that he / she wants.
  • the editor system may change the lower menu UI to correspond to the changed upper menu UI on a frame displayed in the border area of the web page.
  • the editor system may classify the menu items by the classification criteria and classify them hierarchically from the upper menu into the lower menu, and if one of the upper menus is selected, the middle menu may correspond to the selected upper menu.
  • the editor system may display content information of a submenu corresponding to the selected intermediate menu.
  • a user may use a prepaid card according to an embodiment of the present invention when purchasing a product at an offline store, purchasing a product through an online shopping mall, and paying a transportation cost by riding a bus or a taxi.
  • a prepaid card may be used by an NFC supporting terminal or an RFID supporting terminal and may be charged by an NFC supporting mobile phone or an RFID supporting mobile phone. The charged amount may be points scattered on a plurality of sites.
  • payment authorization may be made through a server operated by a payment settlement operator, a transportation card operator, or the like.
  • the integrated point card service providing server may pay cash corresponding to the point to a server associated with a site, a place, etc. where a payment has occurred.
  • a prepaid card may be used by charging interspersed points
  • a prepaid card may be used by the first user terminal to settle payment of the second user terminal. It provides a method of interlocking payment by using. 2 to 6 is not described about the method for providing an integrated point card service is the same as described above for the method for providing an integrated point card service through FIG. Omit the description.
  • FIG. 7 is a diagram illustrating a process of transmitting and receiving data between components included in the integrated point card service providing system of FIG. 1 according to an exemplary embodiment of the present invention.
  • FIG. 7 an example of a process in which data is transmitted and received between each component will be described with reference to FIG. 7, but the present invention is not limited to the above-described embodiment, and is illustrated in FIG. 7 according to the various embodiments described above. It is apparent to those skilled in the art that the process of transmitting and receiving data may be changed.
  • At least One server 100 or the other at least one server 400 transmits point data to the integrated point card service providing server 300 in order to synchronize the points (S7200).
  • the integrated point card service providing server 300 integrates and stores the points (S7300), and when a charging event occurs from the first user terminal 500 (S7310), the integrated point card service providing server 300 In operation S7330, the point corresponding to the charged amount is subtracted, and the point data is synchronized to the at least one server 100 and the other at least one server 400 to be the same (S7350).
  • the first user terminal 500 enters the NFC reading mode or the RFID reading mode (S7410), reads the pre-charged amount (S7430), and enters the NFC charging mode or the RFID charging mode (S7450).
  • S7470 a new payable amount is recorded.
  • the integrated point card service providing server 300 transmits the payment approval event to the first user terminal 500 after the payment approval (S7500) ( S7510).
  • the first user terminal 500 enters the NFC charging mode or the RFID charging mode (S7530) and records a new payable amount (S7550).
  • the at least one payment terminal 800 sends the use event to at least one other server 400.
  • the payment approval event is transmitted to the at least one payment terminal 800.
  • the at least one payment terminal 800 enters the NFC charging mode or the RFID charging mode (S7630), and writes a new payable amount to the prepaid card 700 (S7650).
  • integrated point card service providing server 300 Transmits the interlocking purchase request message to the first user terminal 500 (S7710), and the first user terminal 500 transmits the result data to the integrated point card service providing server 300 (S7730).
  • the integrated point card service providing server 300 transmits a payment approval event to the first user terminal 500 (S7770), the first user terminal 500, The new payable amount is recorded in the prepaid card 700 (S7790).
  • FIG. 8 is a flowchart illustrating an integrated point card service providing method according to an embodiment of the present invention.
  • the integrated point card service providing server integrates and stores the points corresponding to the purchase of at least one server of the user terminal and maps them with the user terminal (S8100).
  • the integrated point card service providing server receives a charging event that charges the stored point in a prepaid card
  • the integrated point card service providing server subtracts a point corresponding to the charged amount included in the charging event (S8200).
  • the integrated point card service providing server synchronizes data about the deducted point with at least one server (S8300).
  • the integrated point card service providing server determines whether to approve the payment using the payment amount and the payment amount included in the use event (S8400).
  • the integrated point card service providing server approves the settlement and transmits a settlement approval event to the user terminal (S8500).
  • the integrated point card service providing method according to the exemplary embodiment described with reference to FIG. 8 may also be implemented in the form of a recording medium including instructions executable by a computer such as an application or a program module executed by the computer.
  • Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media.
  • Computer readable media may include both computer storage media and communication media.
  • Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.
  • Communication media typically includes computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave, or other transmission mechanism, and includes any information delivery media.
  • the integrated point card service providing method according to an embodiment of the present invention described above may be executed by an application basically installed in a terminal (which may include a program included in a platform or an operating system, etc., which is basically installed in the terminal).
  • the application may be executed by an application (ie, a program) directly installed on the master terminal through an application providing server such as an application store server, an application, or a web server associated with the corresponding service.
  • an application providing server such as an application store server, an application, or a web server associated with the corresponding service.
  • the integrated point card service providing method according to an embodiment of the present invention described above is implemented as an application (ie, a program) that is basically installed in a terminal or directly installed by a user, and can be read by a computer such as a terminal. It can be recorded on the recording medium.

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Abstract

L'invention concerne un procédé permettant de fournir un service de carte à points intégré, ledit procédé consistant à : enregistrer des points correspondant à un achat d'au moins un serveur d'un terminal utilisateur, les point étant intégrés et mis en correspondance avec le terminal utilisateur ; lors de la réception d'un événement de facturation pour facturer les points enregistrés dans une carte de débit, déduire les points correspondant à un montant de facturation inclus dans l'événement de facturation ; synchroniser les données pour les points déduits avec au moins un serveur ; lors de la réception d'un événement d'utilisation de la carte de débit depuis le terminal d'utilisateur, déterminer s'il faut approuver un paiement au moyen d'un montant de paiement inclus dans l'événement d'utilisation et d'un montant de paiement disponible ; et lorsque le montant de paiement est égal ou inférieur au montant de paiement disponible, transmettre un événement d'approbation de paiement au terminal utilisateur après l'approbation du paiement, la carte de débit étant facturée à hauteur du montant correspondant aux points par le biais d'une communication avec le terminal utilisateur, ou le montant de paiement disponible cumulé dans la carte de débit étant utilisé.
PCT/KR2014/008728 2014-05-21 2014-09-19 Procédé de fourniture de service de carte à points intégré WO2015178546A1 (fr)

Applications Claiming Priority (2)

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KR10-2014-0060880 2014-05-21
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