WO2017090785A1

WO2017090785A1 - System and method for one-click point service

Info

Publication number: WO2017090785A1
Application number: PCT/KR2015/012599
Authority: WO
Inventors: 한준성; 이승훈; 황규진; 허유성; 양경식; 조계원; 박재인; 김동원
Original assignee: 주식회사 하나은행; 하나카드 주식회사; 하나금융투자(주); 하나캐피탈 주식회사; 하나생명보험 주식회사; 주식회사 하나저축은행
Priority date: 2015-11-23
Filing date: 2015-11-23
Publication date: 2017-06-01

Abstract

The present invention relates to a system and a method for a one-click point service, the method according to the present invention comprising the steps of: receiving a card transaction approval request from an affiliate terminal; transmitting the result of card transaction approval to the affiliate terminal; transmitting, to a user terminal, a message for confirming whether points are to be used for the payment of the card transaction amount approved for transaction; and, if a request for use of points is received from the user terminal, then processing at least a part of the payment of the card transaction amount approved for transaction using points.

Description

One-click point service system and method

The present invention relates to a point service system and method, and more particularly, to a point service system and method that can use the point to pay the transaction amount of the card transaction approved after the card transaction approval.

After purchasing goods such as goods or services, payment of the purchase amount is usually made by cash or credit card or cash card. However, in addition to the burden of carrying cash at all times, there is a risk of losing cash. Because of this problem, payment by credit card is often preferred.

In commerce, it is common for sellers to earn mileage points as a reward for purchasers who purchase their products or services. Similarly, credit card companies accumulate points that can be used at merchants according to credit card usage or certain conditions, and financial institutions such as banks also earn points that can be used for financial transactions.

However, users who are not familiar with the accumulated points use may not use the points even if they do not know or know whether they have points.

On the other hand, in order to use the points earned at offline merchants such as restaurants or merchandise stores for card payments, first check whether or not the accumulated points are available orally to the employees of the merchant at the time of the card settlement. There was a hassle to inform the merchant how to use. On the other hand, in some cases where it was inconvenient for others to accompany the card payment with points, the points could not be used.

In particular, if you want to use the points after the card transaction has already been approved, there was also the hassle of canceling the card payment at the merchant and choosing to use the points again to pay the card.

Therefore, the technical problem to be solved by the present invention is to provide a one-click point service system and method that supports the use of points in the card transaction amount payment by applying for points by a simple selection in the message sent to the user terminal after the card transaction approval To provide.

One-click point service method according to an embodiment of the present invention for solving the technical problem is a step of receiving a card transaction approval request from the merchant terminal, transmitting a card transaction approval result to the merchant terminal, the transaction approved Transmitting a message for confirming whether the points are used to pay the card transaction amount to the user terminal, and when receiving the point use request from the user terminal, paying at least a part of the transaction payment amount of the approved card transaction using the points Processing.

One-click point service system according to an embodiment of the present invention for solving the above technical problem receives a card transaction approval request from the merchant terminal, transmits the card transaction approval result to the merchant terminal, the transaction approved card A server for transmitting a message for checking whether a point is used for payment of a transaction amount to a user terminal and receiving an application for use of a point from the user terminal, wherein the server processes payment of at least a part of the transaction value of the approved card transaction using a point It includes.

The message for confirming whether the point is used may include a transaction history of the approved card.

The message for confirming whether the points are used may include point information that may be used for payment of the card transaction amount.

The message for confirming whether the point is used may be transmitted to the user terminal in a push method.

The user terminal may include a smart phone on which a mobile application is installed and executed by displaying a message transmitted by the push method on a screen and receiving a selection from a user.

The mobile application may allow the point use application to be transmitted to a card company server when point use is selected from a user.

The point use application may be restricted within a predetermined period based on the time point of the card transaction approval.

The mobile application may store the message transmitted by the push method in the notification box and display the message stored in the notification box again on the screen according to a user's request within the predetermined time period to receive selection of whether to use a point.

The amount of points that can be used to settle the transaction value of the card transaction approved may be set to decrease as the card transaction approval time passes.

According to the present invention, the user can conveniently use the points for payment of the card transaction amount by one-click in the message sent to the user terminal after the card transaction approval. In addition, the user can conveniently use the points without checking the availability of points or the amount of points available at the merchant when paying the card.

1 is a block diagram provided to explain a one click point service system according to an embodiment of the present invention.

2 is a flowchart provided to explain a one-click point service method according to an embodiment of the present invention.

3 is a diagram illustrating an example in which a push message transmitted to a user terminal is displayed on a screen according to an embodiment of the present invention.

4 is a diagram illustrating an example in which a push message transmitted to a user terminal is stored in a notification box according to an embodiment of the present invention.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention.

Referring to FIG. 1, the point service system according to the present invention may include affiliated

store terminals

100a, 100b,..., 100n, a user terminal 200, and a card company server 300.

The affiliated

store terminals

100a, 100b,..., 100n, the user terminal 200, and the card company server 300 may exchange various types of information and data through the communication network 10.

The communication network 10 includes a local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN), the Internet, 2G, 3G, 4G mobile networks, and Wi-Fi. Fi), Wibro, Value Added Network (VAN), and the like, and the communication method may be any wired or wireless communication method.

The affiliated

store terminals

100a, 100b,..., 100n are information communication terminals used by the card affiliate to receive payment from a user for providing goods or services, and may be implemented as a POS terminal. The card affiliate may include both a domestic card affiliate and an overseas card affiliate.

Merchant terminal (100a, 100b, ..., 100n) transmits a card transaction approval request including a credit card number, card transaction amount, etc. to the card company server 300 through the communication network 10, and receives the card transaction approval result Can be.

When the card company server 300 receives a card transaction approval request from the affiliated

store terminals

100a, 100b, ..., 100n, the card company server 300 may perform a card transaction approval process. In particular, the card company server 300 according to the present invention may transmit a message (hereinafter referred to as a point use confirmation message) for confirming whether the point is used to pay the amount of the card transaction approved card transaction to the user terminal 200. If the user of the card company 300 requests the use of points, the card company server 300 may process payment using at least a portion of the payment of the transaction value of the approved card transaction.

To this end, the card company server 300 may include a communication unit 310, a payment processing unit 330, and a point management unit 350.

The communication unit 310 may perform a communication interface function that allows the card company server 300 to exchange various information and data with the affiliated

store terminals

100a, 100b,..., 100n or the user terminal 200.

The communication unit 310 transmits the card transaction approval request transmitted from the affiliated

store terminals

100a, 100b,..., 100n to the payment processing unit 330, and transmits the card transaction approval result transmitted from the payment processing unit 330 to the affiliated store terminal 100a. , 100b, ..., 100n). Of course, a value-added operator device (not shown) that operates a Value Added Network (VAN) may be interposed between the affiliated

store terminals

100a, 100b,..., 100n and the communication unit 310.

Meanwhile, the communicator 310 may transmit a point use confirmation message to the user terminal 200 to confirm whether the point is used to pay the card transaction amount, and receive a point use request message. The communicator 310 may transmit a message to the user terminal 200 in a push method.

When the payment processing unit 330 receives a card transaction approval request from the

merchant terminals

100a, 100b,..., 100n, the payment processing unit 330 may check whether the card transaction is normal and process the card transaction approval. The payment processing unit 330 may transfer the transaction details of the card transaction approved to the point management unit 350 to receive an application for using points.

The payment processing unit 330 may process the payment by using the points to pay the card transaction amount if there is an application for using points. When the settlement processing unit 330 determines the corresponding card transaction sales, the payment processing amount may be discounted from the amount of the card transaction.

The point manager 350 performs a process of accumulating and deducting points for each user. In particular, the point management unit 350 according to the present invention receives a point use application from the user after the card transaction approval and transfers it to the payment processing unit 330, and performs a function of deducting as much as the points used for payment of the card transaction amount.

In detail, the point manager 350 may receive the card transaction details from the payment processor 330, and transmit a point use confirmation message for confirming whether the points are used to pay the card transaction amount to the user terminal 200. .

The point manager 350 may be implemented to determine whether to transmit the point use confirmation message according to a predetermined policy. For example, it may be set to send a message only when the amount of the card transaction is 30,000 won or more. Alternatively, the user may be configured to transmit a point use confirmation message only once per user. Of course, it is also possible to set the amount of the card transaction described above or the number of transfers per day differently. In addition, the condition under which the point use confirmation message is transmitted may be set to be unlimited. On the other hand, it is possible to limit the amount of points that can be used only a predetermined percentage of the card transaction amount.

In this embodiment, the point management unit 350 is illustrated as being included in the card company server 300, but is not limited thereto, and may be implemented separately from the card company server 300. In addition, the point management unit 350 may be operated by a separate institution other than the card company operating the card company server 300.

In the present invention, the points used for payment of the card transaction amount are also not limited to virtual money that can be earned according to the amount of card use or a specific event by the card company and used in the card merchant. For example, banks, credit card companies, insurance companies, investment companies, capital companies, etc., integrate and operate membership point services to earn users according to financial transactions or specific events. It should be understood to include virtual money that can be used. Of course, in the present invention, the points used for payment of the card transaction amount may be exchanged with the points of the affiliates providing the points earning and using services separately from the point managing unit 350. In other words, after converting the points of the affiliates of the operators providing the point service according to the present invention may be used for payment of the card transaction amount.

The user terminal 200 is an information communication terminal used by a user who pays for the goods or services provided by a card merchant using a card, and includes a smartphone, a tablet PC, a personal digital assistant (PDA), a web pad, and the like. As described above, the terminal may be configured as a terminal having a mobile communication function having a computing power by including a memory means and a microprocessor.

The user terminal 200 may be installed with a mobile application (hereinafter referred to as a point membership application) that processes the point inquiry, earning or use according to a request from the user.

The point membership application may be displayed on the screen of the user terminal 100 when the user terminal 200 receives the point use confirmation message from the card company server 300, and may perform a function of receiving a point use from the user. In addition, the point membership application can keep the point usage confirmation message in the notification box and display it again on the screen upon user request. Here, the point usage confirmation message is stored in the notification box may include not only the message being stored in the memory space of the user terminal 100 but also receiving the corresponding message from the card company server 300 to be displayed on the screen if necessary. have.

When the point membership application is applied for payment of the card transaction amount from the user, the point membership application may allow the user terminal 200 to transmit the card company server 300.

Referring to FIG. 2, first, the affiliated store terminal 100a may transmit a card transaction approval request including a credit card number, a card transaction amount, etc. to the card company server 300 through the communication network 10 (S210).

Next, when the card company server 300 receives the card transaction approval request from the merchant terminal 100a, the card company server 300 checks whether the card transaction is approved and processes the card transaction approval, and sends the card transaction approval result to the merchant terminal 100a through the communication network 10. Can be transmitted (S220).

Thereafter, the card company server 300 may transmit a message to the user terminal 200 to confirm whether the point is used for payment of the card transaction amount after approving the card transaction in step S220 (S230). In step S230, a message for checking whether the point is used may be transmitted in a push method.

Next, when the user terminal 200 receives the point use confirmation message from the card company server 300, the user terminal 200 may be displayed on the screen (S240) and the user may be selected whether to use the point (S250).

In operation S240, a point use message may be displayed on the screen as illustrated in FIG. 3 by the point membership application installed in the user terminal 200.

Referring to FIG. 3, the point usage confirmation message according to the present invention includes card transaction details such as date and time of card transactions, card merchants, and card transaction amounts, information on available points of the user, and points amount available for the corresponding card transaction. Can be included. Of course, some of the information may be omitted or additional information may be included in the point use confirmation message in addition to the information.

As illustrated in FIG. 3, the user may select the point to be used for payment of the corresponding card transaction amount by clicking the use button 1 while the point use confirmation message is displayed on the screen of the user terminal 200. Of course, the user can click the next button (2) to reselect whether to use the point later.

The point usage confirmation message transmitted from the card company server 300 may be stored in the notification box of the point membership application.

Referring to FIG. 4, the user may check the message transmitted from the card company server 300 in the notification box of the point membership application. The user may select the point to be used for payment of the card transaction amount by clicking the button 3 included in the point use confirmation message among the messages stored in the notification box.

In addition to the method illustrated in FIG. 3 or FIG. 4, it is a matter of course that the user can check whether the point is used for payment of the card transaction amount in various ways according to the embodiment.

Referring back to FIG. 2, when the point use application is selected by the user (S250 -Y), the user terminal 200 may allow the user terminal 200 to transmit a point use request to the card company server 300 (S260).

Thereafter, the card company server 300 may process the payment by using the points for payment of the card transaction amount if there is an application for using points from the user (S270). When the settlement processing unit 330 determines the corresponding card transaction sales, the payment processing amount may be discounted from the amount of the card transaction.

Meanwhile, the point use confirmation message has been illustrated as being able to use points by a certain ratio based on the amount of card transactions, but is not limited thereto. For example, it is possible to implement so that the user selects a point to be used for payment of the card transaction amount among the available points held by the user.

Alternatively, the amount of points that can be used to settle a transaction amount of a card transaction authorized may be implemented to decrease as time passes from the time of the card transaction approval. For example, it can be designed to reduce the amount of points that can be used as time passes, such as 40% from the time of authorization of the card transaction to 30% until the next two hours. In addition, it is possible to implement to re-establish some of the use points when applying for use of points within a predetermined time from the card transaction approval time.

On the other hand, the selection for the point use application in step S250 may be limited to possible within a predetermined period on the basis of the card transaction approval time. For example, it is possible to limit the application of point use only up to the day of the card transaction, or to the predetermined time (for example, 1 hour, 12 hours, one day, etc.) from the point of approval of the card transaction.

Embodiments of the invention include a computer readable medium containing program instructions for performing various computer-implemented operations. This medium records a program for executing the one-click point service method described above. The media may include, alone or in combination with the program instructions, data files, data structures, and the like. Examples of such media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CDs and DVDs, floppy disks and program commands such as magnetic-optical media, ROM, RAM, flash memory, and the like. Hardware devices configured to store and perform such operations. Alternatively, the medium may be a transmission medium such as an optical or metal wire, a waveguide, or the like including a carrier wave for transmitting a signal specifying a program command, a data structure, and the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like.

Although the preferred embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

Claims

Receiving a card transaction approval request from the merchant terminal,

Transmitting a card transaction approval result to the affiliated store terminal;

Transmitting a message to a user terminal for confirming whether a point is used for payment of the transaction approved card transaction amount, and

Receiving a point use request from the user terminal, the payment processing of at least a portion of the transaction card payment amount approved using the point

One click point service method comprising a.
In claim 1,

The one-click point service method of claim 1, wherein the message for checking whether the points are used includes the transaction details of the approved card transaction.
In claim 2,

The one-click point service method of claim 1, wherein the message for checking whether the point is used includes point information that can be used for payment of the card transaction amount.
In claim 1,

The one-click point service method of transmitting a message for confirming whether or not the point is used to the user terminal in a push method.
In claim 4,

The user terminal,

It includes a smart phone that is installed and executed by the mobile application to display the message transmitted by the push method on the screen to receive the user's choice of using points,

The mobile application is a one-click point service method for sending the point use request to the card company server when the point use is selected from the user.
In claim 5,

The point redemption application is limited to within a predetermined period based on the time point of the card transaction approval,

The mobile application,

The message sent by the push method is stored in the notification box,

One click point service method according to the user request within the predetermined period of time to display the message stored in the notification box on the screen to select whether to use the point.
In claim 1,

The one-click point service method of setting the amount of points that can be used to pay the transaction value of the authorized card transaction decreases as the card transaction authorization time passes.
Receives a card transaction approval request from the merchant terminal, transmits a card transaction approval result to the merchant terminal, and transmits a message to the user terminal to confirm whether the point is used for payment of the transaction approved card transaction amount, the user terminal Receiving an application for the use of points from the server, the server for processing at least a portion of the payment of the transaction authorization card transaction payment using the points

One click point service system comprising a.
In claim 8,

The one-click point service system of claim 1, wherein the message for checking whether the points are used includes the transaction details of the approved card transaction.
In claim 9,

The one-click point service system of claim 1, wherein the message for checking whether the points are used includes point information that can be used for payment of the card transaction amount.
In claim 8,

One-click point service system for transmitting a message for checking whether the point is used to the user terminal in a push method.
In claim 11,

The user terminal,

It includes a smart phone that is installed and executed by the mobile application to display the message transmitted by the push method on the screen to receive the user's choice of using points,

The mobile application is a one-click point service system for sending the point use request to the card company server when the point use is selected from the user.
In claim 12,

The point redemption application is limited to within a predetermined period based on the time point of the card transaction approval,

The mobile application,

The message sent by the push method is stored in the notification box,

One-click point service system for selecting whether to use points by displaying the message stored in the notification box again on the screen according to a user request within the predetermined period.
In claim 8,

The one-click point service system for setting the amount of points that can be used for payment of the transaction transaction card amount is reduced as the card transaction approval time passes.