WO2022114889A1 - Point provision system and method - Google Patents

Point provision system and method Download PDF

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Publication number
WO2022114889A1
WO2022114889A1 PCT/KR2021/017753 KR2021017753W WO2022114889A1 WO 2022114889 A1 WO2022114889 A1 WO 2022114889A1 KR 2021017753 W KR2021017753 W KR 2021017753W WO 2022114889 A1 WO2022114889 A1 WO 2022114889A1
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WO
WIPO (PCT)
Prior art keywords
user
points
financial product
expenditure
unit
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PCT/KR2021/017753
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French (fr)
Korean (ko)
Inventor
정인영
송인성
정재성
Original Assignee
주식회사 디셈버앤컴퍼니자산운용
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Priority claimed from KR1020210165472A external-priority patent/KR20220076354A/en
Application filed by 주식회사 디셈버앤컴퍼니자산운용 filed Critical 주식회사 디셈버앤컴퍼니자산운용
Publication of WO2022114889A1 publication Critical patent/WO2022114889A1/en

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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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis

Definitions

  • the present invention relates to a system and method for providing a point, and to a system and method for providing a reward point according to a user's consumption and making an investment through it.
  • Korean Patent Application Laid-Open No. 10-2006-0085565 "Indirect investment type financial product management system and method linked to card use” includes a technology that allows the points generated through card payment to be utilized for investment, have. As such, there is also a technology that allows points to be used as an investment, but there is a problem that the investment utilization is low due to the low interest in the investment due to a small amount of point investment.
  • An object of the present invention is to maximize the level of investment interest by enabling users to automatically make investments related to products or services frequently used by users.
  • the present invention analyzes the user's spending history to check information on the seller or manufacturer and identify financial products related to the seller or manufacturer, so that the user can invest in each of the seller and manufacturer of the product or service used by the user do.
  • the purpose of the present invention is to allow a user to conveniently calculate points automatically without selecting each time a user uses a product or service by dividing and calculating points at a predetermined ratio when there is a financial product related to both the seller and the manufacturer. do.
  • the present invention provides a financial product information related to a user when a related financial product exists for both the seller and the manufacturer and calculates points for the financial product selected and inputted by the user so that the user can select a financial product with a higher interest aim to do
  • the present invention receives the payment processing result corresponding to the user's payment instruction or payment instruction and analyzes the expenditure details by analyzing the received payment instruction or payment processing result, thereby automatically receiving the expenditure details when the user uses goods or services intended to make it
  • a point providing system includes a point information storage unit for storing point information corresponding to each financial product that can be invested by each user, a spending history collecting unit for collecting the user's expenditure details, and among the collected expenditure details.
  • a determination unit for determining expenditure details matching the investment possible financial products, based on a result of the determination, determining points for financial products matching the expenditure details based on the expenditure amount included in the collected expenditure details and a point calculation unit that updates the determined points to the point information storage unit and a point corresponding to each of the financial products stored in the point information storage unit is equal to or greater than the minimum purchase unit price of each financial product, the corresponding financial product may be configured to include a reward providing unit to transfer to the user's investment account.
  • the determining unit may analyze the expenditure details, check information on the seller or manufacturer, and identify financial products related to the seller or manufacturer.
  • the point calculating unit may calculate by dividing points by a predetermined ratio when financial products related to both the seller and the manufacturer exist.
  • the point calculating unit may provide the related financial product information to the user and calculate points for the financial products selected and inputted by the user.
  • the expenditure history collecting unit may receive the user's payment instruction or a payment processing result corresponding to the payment instruction, and collect the expenditure details by analyzing the received payment instruction or the payment processing result.
  • the present invention can obtain the effect of maximizing the degree of investment interest by allowing an investment related to a product or service frequently used by a user to be automatically made.
  • the present invention has the effect of allowing the user to invest in each of the vendors and manufacturers of goods or services used by the user by analyzing the user's expenditure details to check information on the vendor or manufacturer and identify financial products related to the vendor or manufacturer.
  • the present invention obtains the effect of allowing the user to conveniently calculate points automatically without selecting each time a user uses a product or service by dividing and calculating points at a predetermined ratio when there is a financial product related to both the seller and the manufacturer.
  • the present invention provides a financial product information related to a user when a related financial product exists for both the seller and the manufacturer and calculates points for the financial product selected and inputted by the user so that the user can select a financial product with a higher interest effect can be obtained.
  • the present invention receives the payment processing result corresponding to the user's payment instruction or payment instruction and analyzes the expenditure details by analyzing the received payment instruction or payment processing result, thereby automatically receiving the expenditure details when the user uses goods or services effect can be obtained.
  • FIG. 1 is a configuration diagram illustrating an internal configuration of a point providing system according to an embodiment of the present invention.
  • FIG. 2 is a configuration diagram illustrating an example of calculating points by dividing points at a predetermined ratio when there is a financial product related to a seller and a manufacturer according to an embodiment of the present invention.
  • FIG. 3 is a configuration diagram illustrating an example of transferring a financial product to a user's investment account when the points corresponding to each financial product are equal to or greater than the minimum purchase unit price of each financial product according to an embodiment of the present invention.
  • FIG. 4 is a flowchart illustrating a flow of a method for providing points according to an embodiment of the present invention.
  • a point providing system includes a point information storage unit for storing point information corresponding to each financial product that can be invested by each user, a spending history collecting unit for collecting the user's expenditure details, and among the collected expenditure details.
  • a determination unit for determining expenditure details matching the investment possible financial products, based on a result of the determination, determining points for financial products matching the expenditure details based on the expenditure amount included in the collected expenditure details and a point calculation unit that updates the determined points to the point information storage unit and a point corresponding to each of the financial products stored in the point information storage unit is equal to or greater than the minimum purchase unit price of each financial product, the corresponding financial product may be configured to include a reward providing unit to transfer to the user's investment account.
  • the determining unit may analyze the expenditure details, check information on the seller or manufacturer, and identify financial products related to the seller or manufacturer.
  • the point calculating unit may calculate by dividing points by a predetermined ratio when financial products related to both the seller and the manufacturer exist.
  • the point calculating unit may provide the related financial product information to the user and calculate points for the financial products selected and inputted by the user.
  • the expenditure history collecting unit may receive the user's payment instruction or a payment processing result corresponding to the payment instruction, and collect the expenditure details by analyzing the received payment instruction or the payment processing result.
  • the point providing system according to the present invention may be configured in the form of a server having a central processing unit (CPU) and a memory (Memory) and connectable to other terminals through a communication network such as the Internet.
  • CPU central processing unit
  • Memory memory
  • the present invention is not limited by the configuration of the central processing unit and the memory.
  • the point providing system according to the present invention may be physically configured as one device or may be implemented in a distributed form among a plurality of devices.
  • FIG. 1 is a configuration diagram showing the internal configuration of a point providing system according to an embodiment of the present invention.
  • the point providing system may be composed of a point information storage unit 110 , a spending history collecting unit 120 , a determining unit 130 , a point calculating unit 140 , and a reward providing unit 150 , respectively.
  • the components may be software modules that operate within the same physically identical computer system, and may be configured so that two or more physically separated physical devices can operate in conjunction with each other.
  • the form belongs to the scope of the present invention.
  • the point information storage unit 110 may store point information corresponding to each financial product that can be invested by each user.
  • the user may be a person who engages in financial activities, purchases a certain product, or conducts an investment activity.
  • Point information includes the number of points, which is the accumulated amount of a certain percentage of the amount the user used for purchase or consumption, and the number of points the user used for purchase or consumption, when the user purchases a specific product or when the user consumes a specific product or company. It may be information including consumer information.
  • the point information storage unit 110 matches a financial product related to information on a specific item purchased or consumed by the user included in the point information, and the point information storage unit 110 matches the point corresponding to the matched financial product. Information can be stored in investable financial products. That is, the point information storage unit 110 may store information on each specific item consumed by the user and the number of points as point information in response to a financial product related to the specific item consumed by the user.
  • the point information contains 10,000 points by purchasing a mobile phone from company B. Information that it has been accumulated and that 500,000 points have been accumulated by purchasing a car of company C may be stored.
  • the point information storage unit 110 stores information of 10,000 points on financial product B, which is a financial product that matches company B, as a financial product that Z user can invest in, and 500,000 points information on financial product C, a financial product that matches company C. can be saved in response.
  • the expenditure history collecting unit 120 may collect the user's expenditure details.
  • the expenditure history collection unit 120 collects information on the expenditure history including information related to the item purchased by the user and the amount spent.
  • the expenditure history collecting unit 120 shows that the user pays 1 million won for the mobile phone of the company B at the store A can be collected.
  • the expenditure details collection unit 120 may receive the user's payment command or a payment processing result corresponding to the payment command, and collect the expenditure details by analyzing the received payment command or the payment processing result.
  • a payment command and a payment processing result corresponding to the payment command may occur when a user purchases a specific product or consumes a specific product using the user's payment method.
  • the expenditure history collecting unit 120 analyzes the payment command and the payment processing result corresponding to the payment command, and the expenditure that includes information related to the specific product the user has paid for, such as information related to the product purchased by the user and the amount spent by the user. You can collect information about the history.
  • the determination unit 130 may determine the expenditure details matching the investment possible financial product among the collected expenditure details.
  • the determination unit 130 may determine whether there is an expenditure detail that matches an investable financial product among the expenditure details including information that the user has spent to purchase a specific item collected by the expenditure history collection unit 120 . have. The determining unit 130 may determine whether there is an expenditure history matching the investment possible financial product based on the user's expenditure details collected by the expenditure history collecting unit 120 .
  • the user purchases company K's cosmetics and company L's sweets from the store J
  • the expenditure history collecting unit 120 spends information indicating that the user has purchased cosmetics from the company K and sweets from the company L at the store J. history can be collected.
  • the determination unit 130 may determine that there is an investable financial product matching the J store and the L company, and may determine that there is no investable financial product matching the K company.
  • the determination unit 130 may analyze the expenditure details, check information on the seller or manufacturer, and identify financial products related to the seller or manufacturer.
  • the determination unit 130 may identify the seller or manufacturer by analyzing the information on the expenditure details, which includes information on the seller or manufacturer of the specific item purchased by the user, collected by the expenditure details collection unit 120 . The determination unit 130 may determine whether the financial product matches the seller or the manufacturer.
  • the expenditure history collecting unit 120 shows that the user pays 1 million won for the mobile phone of the company B at the store A can be collected.
  • the determination unit 130 analyzes the expenditure details collected by the expenditure details collection unit 120 to confirm that the seller is the store A and the manufacturer is the company B, and the financial product related to the store A is a financial product A, and the It can be identified that the related related financial product is financial product B.
  • the point calculation unit 140 determines, based on the result of the determination, points for financial products matching the expenditure details based on the expenditure amount included in the collected expenditure details, and sets the determined points to the point information
  • the storage unit 110 may be updated.
  • the point calculating unit 140 checks the expenditure details matching the investable financial products determined by the determining unit 130, and points based on the amount spent by the user among the expenditure details matching the determined investable financial products can be decided.
  • the point calculation unit 140 matches the determined points with the points of the investable financial products determined by the determination unit 130, and updates the points of the investable financial products stored in the existing point information storage unit 110. can be saved
  • the point calculation unit 140 may determine 20,000 points as points for financial product B based on 2 million won, which is the expenditure amount determined by the determination unit 130, and updates information about 20,000 points to financial product B can do. At this time, the point calculation unit 140 may confirm that 10,000 points are stored in correspondence with the user Z and the financial product B in the point information storage unit 110 , and the point calculation unit 140 indicates that the user Z is stored in the company B. You can update the 20,000 points created by purchasing a refrigerator.
  • the point information storage unit 110 may store the B financial product and 30,000 points in correspondence with the user Z.
  • the point calculating unit 140 may calculate points by dividing the points by a predetermined ratio when financial products related to both the seller and the manufacturer exist.
  • the point calculating unit 140 may calculate the points by dividing the points at a predetermined ratio when there is a financial product related to a seller or a manufacturer in the determining unit 130 .
  • the predetermined ratio may be a ratio at which points for a financial product matching the expenditure details for a specific product purchased by the user can be determined.
  • the determination unit 130 may analyze the information on the expenditure details for one product purchased by the user to confirm the seller or the manufacturer, and if there are financial products matching the seller or the manufacturer, the point calculating unit 140 ) can calculate points at a fixed rate corresponding to the seller or manufacturer of one product purchased by the user.
  • the expenditure history collecting unit 120 shows that the user pays 1 million won for the mobile phone of the company B at the store A can be collected.
  • the determination unit 130 analyzes the expenditure details collected by the expenditure details collection unit 120 to confirm that the seller is the store A and the manufacturer is the company B, and the financial product related to the store A is a financial product A, and the It can be identified that the related related financial product is financial product B.
  • the point calculation unit 140 may confirm that the determined ratio is 60% of the seller and 40% of the manufacturer, and the point may be determined as 10,000 points based on 1 million won purchased by the user.
  • the point calculation unit 140 may determine by dividing the determined 10,000 points into 6,000 points for financial product A corresponding to the seller and 4,000 points for financial product B corresponding to the manufacturer. The point calculation unit 140 may update and store 6,000 points for financial product A and 4,000 points for financial product B in the point information storage unit 110 .
  • the point calculating unit 140 may provide the related financial product information to the user and calculate points for the financial product selected and inputted by the user.
  • the point calculating unit 140 may provide information on financial products related to the seller or the manufacturer to the user.
  • the user may calculate a ratio for each of the provided financial products related to the vendor or manufacturer, and the point calculating unit 140 may divide and calculate the points based on the ratio for each financial product by the user.
  • the expenditure history collecting unit 120 shows that the user paid 1 million won for a vacuum cleaner of company E from shop D can be collected.
  • the determination unit 130 analyzes the expenditure details collected by the expenditure details collection unit 120 to confirm that the seller is the shop D and the manufacturer is the company E, and the financial product related to the shop D is a D financial product, and the company E
  • the related related financial instrument may be identified as being an E-financial instrument.
  • the point calculation unit 140 may determine the points to be 10,000 points based on the 1 million won purchased by the user.
  • the point calculation unit 140 may provide the user with information on the D financial product and the E financial product, and the user may input 40% for the D financial product and 60% for the E financial product.
  • the point calculation unit 140 may determine points based on the information entered by the user, and based on the determined 10,000 points, it is divided into 4,000 points for D financial products corresponding to the seller and 6,000 points for E financial products corresponding to manufacturers. can be calculated and determined.
  • the point calculation unit 140 may update and store 4,000 points in the D financial product and 6,000 points in the E financial product in the point information storage unit 110 .
  • the reward providing unit 150 transfers the corresponding financial product to the investment account of the user. can do.
  • the reward providing unit 150 may check the minimum purchase unit price of each financial product stored in the point information storage unit 110 , and the point corresponding to each financial product in the point information storage unit 110 is the minimum purchase price of each financial product. If the purchase unit price is higher than the purchase unit price, the financial product can be purchased with points of the financial product and transferred to the user's investment account.
  • the reward providing unit 150 checks each financial product and each point information stored in the point information storage unit 110, and when the point information corresponding to each financial product is equal to or greater than the unit price of the minimum unit, the reward providing unit 150 ) can be transferred to the user's investment account by purchasing the corresponding financial product with points. Users can naturally purchase financial products from vendors or manufacturers who spend a lot of money.
  • point information corresponding to user X's financial products stored in the point information storage unit 110 includes 50,000 points for financial products F, 100,000 points for financial products G, 70,000 points for financial products H, and 150,000 points for financial products I. You can check it with points.
  • the minimum purchase unit price of financial products F confirmed by the reward provision unit 150 is 60,000 won, the minimum purchase unit price of financial products G is 100,000 won, the minimum purchase unit price of financial products H is 80,000 won, and the highest purchase price of financial products is 20 It can be confirmed that the value is 10,000 won, and it can be confirmed that the value of one won per point stored in the point information storage unit 110 is.
  • the reward providing unit 150 is a G financial product because the points of the G financial product among the financial products of the user X stored in the point information storage 110 are 100,000 points, which is the minimum purchase unit price of the G financial product, which is 100,000 won or more. By purchasing, you can transfer the minimum unit of G financial products to the user's investment account to the user's investment account.
  • FIG. 2 is a configuration diagram illustrating an example of calculating points by dividing points at a predetermined ratio when there is a financial product related to a seller and a manufacturer according to an embodiment of the present invention.
  • the expenditure history collecting unit 120 may collect the user's expenditure details.
  • the expenditure details collection unit 120 may receive the user's payment command or a payment processing result corresponding to the payment command, and collect the expenditure details by analyzing the received payment command or the payment processing result.
  • the determination unit 130 may determine the expenditure details matching the investment possible financial product among the collected expenditure details.
  • the determination unit 130 may analyze the expenditure details, check information on the seller or manufacturer, and identify financial products related to the seller or manufacturer.
  • the point calculation unit 140 determines, based on the result of the determination, points for financial products matching the expenditure details based on the expenditure amount included in the collected expenditure details, and sets the determined points to the point information
  • the storage unit 110 may be updated.
  • the expenditure history collecting unit 120 purchases the mobile phone of the company B at the store A by the user paying 1 million won can collect expenditure history.
  • the determination unit 130 analyzes the expenditure details collected by the expenditure details collection unit 120 to confirm that the seller is the store A 220 and the manufacturer is the company B 230 , and the financial product related to the store A is finance A It is product 221 , and it can be identified that the financial product related to company B is financial product B 231 .
  • the point calculation unit 140 can confirm that the set ratio is 60% (241) of the seller and 40% (242) of the manufacturer, and the point can be determined (240) as 10,000 points based on 1 million won purchased by the user have.
  • the point calculation unit 140 divides the determined 10,000 points into 6,000 points 243 for financial product A corresponding to the seller and 4,000 points 244 for financial product B corresponding to the manufacturer. .
  • the point calculation unit 140 may update and store 6,000 points 243 for financial product A and 4,000 points 244 for financial product B in the point information storage unit 110 .
  • FIG. 3 is a configuration diagram illustrating an example of transferring a financial product to a user's investment account when the points corresponding to each financial product are equal to or greater than the minimum purchase unit price of each financial product according to an embodiment of the present invention.
  • the reward providing unit 150 transfers the corresponding financial product to the investment account of the user. can do.
  • the reward providing unit 150 may check the minimum purchase unit price of each financial product stored in the point information storage unit 110 , and the point corresponding to each financial product in the point information storage unit 110 is the minimum purchase price of each financial product. If the purchase unit price is higher than the purchase unit price, the financial product can be purchased with points of the financial product and transferred to the user's investment account.
  • the reward providing unit 150 checks each financial product and each point information stored in the point information storage unit 110, and when the point information corresponding to each financial product is equal to or greater than the unit price of the minimum unit, the reward providing unit 150 ) can be transferred to the user's investment account by purchasing the corresponding financial product with points. Users can naturally purchase financial products from vendors or manufacturers who spend a lot of money.
  • the point information corresponding to the user's financial products stored in the point information storage unit 110 is F financial product 50,000 points 311, G financial product 100,000 points 312, H financial product 70,000 points ( 313), I financial product 150,000 points (314).
  • the minimum purchase price for financial products F confirmed by the reward provider 150 is 60,000 won (321), the minimum purchase price for G financial products is 100,000 won (322), and the minimum purchase price for financial products H is 80,000 won (323), It can be confirmed that the highest purchase unit price of the financial product is 200,000 won (324), and it can be confirmed that the value of 1 won per point stored in the point information storage unit 110 is obtained.
  • the reward providing unit 150 is a G financial product because the points of the G financial product among the financial products of the user X stored in the point information storage 110 are 100,000 points, which is the minimum purchase unit price of the G financial product, which is 100,000 won or more.
  • the G financial product 331 may be transferred to the user's investment account 332 to the user's investment account.
  • FIG. 4 is a flowchart illustrating a flow of a method for providing points according to an embodiment of the present invention.
  • the above individual account point providing system can be implemented and realized by the method of providing points, and the technical idea of the point providing system can be applied as it is.
  • the point information storage step ( S401 ) may store point information corresponding to each financial product that can be invested by each user in the point information storage unit 110 .
  • the user may be a person who engages in financial activities, purchases a certain product, or conducts an investment activity.
  • Point information includes the number of points, which is the accumulated amount of a certain percentage of the amount the user used for purchase or consumption, and the number of points the user used for purchase or consumption, when the user purchases a specific product or when the user consumes a specific product or company. It may be information including consumer information.
  • the point information storage step (S401) matches financial products related to information on a specific item purchased or consumed by the user included in the point information, and the point information storage step (S401) includes points corresponding to the matched financial products. Information can be stored in investable financial products. That is, the point information storage step S401 may store information on each specific item consumed by the user and the number of points as point information in correspondence to financial products related to the specific item consumed by the user.
  • the expenditure details collection unit 120 may collect the user's expenditure details.
  • the expenditure history collection step S402 collects information on the expenditure history including information related to the item purchased by the user and the amount spent.
  • the user's payment command or a payment processing result corresponding to the payment command may be received, and the expenditure details may be collected by analyzing the received payment command or the payment processing result.
  • a payment command and a payment processing result corresponding to the payment command may occur when a user purchases a specific product or consumes a specific product using the user's payment method.
  • the expenditure details collection step S402 analyzes the payment command and the payment processing result corresponding to the payment command, and the expenditure including information related to the specific product the user has paid for, such as information related to the product purchased by the user and the amount spent by the user, etc. You can collect information about the history.
  • the determining step ( S403 ) it is possible to determine the expenditure details matching the investment possible financial products among the expenditure details collected by the determining unit 130 .
  • the determination step (S403) it can be determined whether there is a spending history that matches an investable financial product among the expenditure details including the information that the user has spent to purchase a specific item collected in the expenditure details collection step (S402). have.
  • the determining step S403 it may be determined whether there is an expenditure detail matching the investment possible financial product based on the user's expenditure details collected in the expenditure detail collecting step S402 .
  • the determining step ( S403 ) it is possible to analyze the expenditure details, check information on the seller or manufacturer, and identify financial products related to the seller or manufacturer.
  • the seller or the manufacturer may be identified by analyzing the information on the expenditure details including information on the seller or manufacturer of the specific item purchased by the user collected in the expenditure detail collection step S402 . In the determination step S403 , it may be determined whether the financial product matches the seller or the manufacturer.
  • points for a financial product matching the expenditure details are determined based on the expenditure amount included in the collected expenditure details, The determined point may be updated in the point information storage step (S401).
  • the point calculation step (S404) checks the expenditure details matching the investable financial products determined in the determining step (S403), and points based on the amount spent by the user among the expenditure details matching the determined investable financial products can be decided In the point calculation step (S404), the determined points are matched with the points of the investable financial products determined in the determination step (S403), and the points of the investable financial products stored in the existing point information storage step (S401) are updated. can be saved
  • the points may be calculated by dividing the points at a predetermined ratio.
  • the points may be divided at a predetermined ratio and calculated.
  • the predetermined ratio may be a ratio at which points for a financial product matching the expenditure details for a specific product purchased by the user can be determined.
  • points may be divided and calculated by dividing the points at the vendor and the manufacturer at different ratios based on the purchased item, which is the product purchased by the user.
  • the seller or manufacturer can be identified by analyzing the information on the expenditure details for one product purchased by the user. ) can calculate points at a fixed rate corresponding to the seller or manufacturer of one product purchased by the user.
  • the point calculation step (S404) when financial products related to both the seller and the manufacturer exist, the related financial product information is provided to the user, and points can be calculated for the financial products selected and inputted by the user.
  • the point calculation step ( S404 ) when a financial product related to the seller or manufacturer exists in the determination step ( S403 ), financial product information related to the seller or the manufacturer may be provided to the user.
  • the user may calculate the ratio for each financial product related to the supplied vendor or manufacturer, and in the point calculation step S404, the user may divide and calculate the points based on the ratio for each financial product.
  • the minimum purchase unit price of each financial product stored in the point information storage step ( S401 ) may be checked, and the point corresponding to each financial product in the point information storage step ( S401 ) is the minimum value of each financial product. If the purchase unit price is higher than the purchase unit price, the financial product can be purchased with points of the financial product and transferred to the user's investment account.
  • the reward providing step (S450) checks each financial product and each point information stored in the point information storage step (S401), and when the point information corresponding to each financial product is equal to or greater than the minimum unit price, the reward providing step (S450) ) can be transferred to the user's investment account by purchasing the corresponding financial product with points. Users can naturally purchase financial products from vendors or manufacturers who spend a lot of money.
  • Such a point providing method may be implemented as an application or implemented in the form of program instructions that may be executed through various computer components and recorded in a computer-readable recording medium.
  • the computer-readable recording medium may include program instructions, data files, data structures, etc. alone or in combination.
  • the program instructions recorded in the computer-readable recording medium are specially designed and configured for the present invention, and may be known and available to those skilled in the computer software field.
  • Examples of the computer-readable recording medium include hard disks, magnetic media such as floppy disks and magnetic tapes, optical recording media such as CDROM and DVD, and magneto-optical media such as floppy disks. , and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like.
  • Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like.
  • the hardware device may be configured to operate as one or more software modules for carrying out the processing according to the present invention, and vice versa.
  • the present invention relates to a point providing system and method, and a point information storage unit for storing point information corresponding to each financial product that can be invested by each user, a spending history collecting unit for collecting the user's expenditure details, and among the collected expenditure details
  • a determination unit for determining expenditure details matching the investment possible financial products, based on a result of the determination, determining points for financial products matching the expenditure details based on the expenditure amount included in the collected expenditure details and a point calculation unit that updates the determined points to the point information storage unit and a point corresponding to each of the financial products stored in the point information storage unit is equal to or greater than the minimum purchase unit price of each financial product
  • the corresponding financial product may be configured to include a reward providing unit to transfer to the user's investment account.

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Abstract

The present invention relates to a point provision system and method, the system comprising: a point information storage unit for storing point information corresponding to each user-specific investable financial product; an expenditure detail collection unit for collecting expenditure details of a user; a determination unit for determining expenditure details matched with the investable financial product from among the collected expenditure details; a point calculation unit which determines, on the basis of the determination results, through evidence of the expenditure amount included in the collected expenditure details, points for the financial product matched with the expenditure details, and which updates the determined points in the point information storage unit; and a reward provision unit for transferring the corresponding financial product to an investment account of the user if the points corresponding to each financial product stored in the point information storage unit are greater than or equal to the minimum purchase price of each financial product.

Description

포인트 제공 시스템 및 방법Point provision system and method
본 발명은 포인트 제공 시스템 및 방법에 관한 것으로, 사용자의 소비에 따라 리워드 포인트를 제공하고 이를 통해 투자가 이루어질 수 있도록 하는 시스템 및 방법에 관한 것이다.The present invention relates to a system and method for providing a point, and to a system and method for providing a reward point according to a user's consumption and making an investment through it.
신용카드 등 결제수단의 경쟁이 치열해지면서, 결제에 따른 포인트를 제공하여 이를 활용한 다양한 서비스가 제공되고 있다.As competition in payment methods such as credit cards intensifies, various services are provided by providing points according to payment.
종래기술인 한국공개특허 제10-2006-0085565호, "카드 사용과 연계된 간접투자형 금융 상품 운용 시스템 및방법"은 이와 같이 카드 결제를 통해 생성되는 포인트를 투자에 활용할 수 있도록 하는 기술을 포함하고 있다. 이처럼, 포인트를 투자로 활용할 수 있도록 하는 기술도 등장하고 있는데, 소액의 포인트 투자로 투자에 대한 관심이 떨어져 투자 활용도가 낮은 문제점이 있다.The prior art, Korean Patent Application Laid-Open No. 10-2006-0085565, "Indirect investment type financial product management system and method linked to card use" includes a technology that allows the points generated through card payment to be utilized for investment, have. As such, there is also a technology that allows points to be used as an investment, but there is a problem that the investment utilization is low due to the low interest in the investment due to a small amount of point investment.
본 발명은 사용자가 자주 이용하는 상품 또는 서비스와 관련된 투자가 자동으로 이루어질 수 있도록 함으로써, 투자 관심도를 극대화할 수 있도록 하는 것을 목적으로 한다.An object of the present invention is to maximize the level of investment interest by enabling users to automatically make investments related to products or services frequently used by users.
본 발명은 사용자의 지출 내역을 분석하여 판매처 또는 제조사에 관한 정보를 확인하고 판매처 또는 제조사와 관련된 금융 상품을 식별함으로써, 사용자가 이용하는 상품 또는 서비스의 판매처와 제조사 각각에 투자할 수 있도록 하는 것을 목적으로 한다.The present invention analyzes the user's spending history to check information on the seller or manufacturer and identify financial products related to the seller or manufacturer, so that the user can invest in each of the seller and manufacturer of the product or service used by the user do.
본 발명은 판매처 및 제조사 모두 관련된 금융 상품이 존재하는 경우 정해진 비율로 포인트를 분할하여 산정함으로써, 사용자가 상품 또는 서비스를 이용할 때마다 선택하지 않고 자동으로 편리하게 포인트를 산정할 수 있도록 하는 것을 목적으로 한다.The purpose of the present invention is to allow a user to conveniently calculate points automatically without selecting each time a user uses a product or service by dividing and calculating points at a predetermined ratio when there is a financial product related to both the seller and the manufacturer. do.
본 발명은 판매처 및 제조사 모두 관련된 금융 상품이 존재하는 경우, 사용자에게 관련된 금융 상품 정보를 제공하고 사용자로부터 선택입력 받은 금융 상품에 대해 포인트를 산정함으로써, 사용자가 관심도가 더 높은 금융 상품을 선택할 수 있도록 하는 것을 목적으로 한다.The present invention provides a financial product information related to a user when a related financial product exists for both the seller and the manufacturer and calculates points for the financial product selected and inputted by the user so that the user can select a financial product with a higher interest aim to do
본 발명은 사용자의 결제 명령 또는 결제 명령에 대응되는 결제 처리 결과를 수신하고 수신된 결제 명령 또는 결제 처리 결과를 분석하여 지출 내역을 분석함으로써, 사용자가 상품 또는 서비스를 이용할 때 자동으로 지출 내역을 수신하도록 하는 것을 목적으로 한다.The present invention receives the payment processing result corresponding to the user's payment instruction or payment instruction and analyzes the expenditure details by analyzing the received payment instruction or payment processing result, thereby automatically receiving the expenditure details when the user uses goods or services intended to make it
본 발명의 일실시예에 따른 포인트 제공 시스템은 사용자별로 투자 가능한 금융 상품 각각에 대응되는 포인트 정보를 저장하는 포인트 정보 저장부, 사용자의 지출 내역을 수집하는 지출 내역 수집부, 상기 수집된 지출 내역 중 상기 투자 가능한 금융 상품에 매칭되는 지출 내역을 판별하는 판별부, 상기 판별의 결과에 기초하여, 상기 지출 내역에 매칭되는 금융 상품에 대한 포인트를 상기 수집된 지출 내역에 포함된 지출 금액을 근거로 결정하고, 상기 결정된 포인트를 상기 포인트 정보 저장부에 업데이트하는 포인트 산정부 및 상기 포인트 정보 저장부에 저장된 상기 금융 상품 각각에 대응되는 포인트가 각각의 금융 상품의 최소 구매 단가 이상이 되는 경우, 해당 금융 상품을 상기 사용자의 투자계좌에 이체하는 리워드 제공부를 포함하여 구성될 수 있다.A point providing system according to an embodiment of the present invention includes a point information storage unit for storing point information corresponding to each financial product that can be invested by each user, a spending history collecting unit for collecting the user's expenditure details, and among the collected expenditure details. A determination unit for determining expenditure details matching the investment possible financial products, based on a result of the determination, determining points for financial products matching the expenditure details based on the expenditure amount included in the collected expenditure details and a point calculation unit that updates the determined points to the point information storage unit and a point corresponding to each of the financial products stored in the point information storage unit is equal to or greater than the minimum purchase unit price of each financial product, the corresponding financial product may be configured to include a reward providing unit to transfer to the user's investment account.
또한, 상기 판별부는 상기 지출 내역을 분석하여, 판매처 또는 제조사에 관한 정보를 확인하고, 상기 판매처 또는 제조사와 관련된 금융 상품을 식별할 수 있다.In addition, the determining unit may analyze the expenditure details, check information on the seller or manufacturer, and identify financial products related to the seller or manufacturer.
또한, 상기 포인트 산정부는 상기 판매처 및 상기 제조사 모두 관련된 금융 상품이 존재하는 경우, 정해진 비율로 포인트를 분할하여 산정할 수 있다.In addition, the point calculating unit may calculate by dividing points by a predetermined ratio when financial products related to both the seller and the manufacturer exist.
또한, 상기 포인트 산정부는 상기 판매처 및 상기 제조사 모두 관련된 금융 상품이 존재하는 경우, 상기 사용자에게 상기 관련된 금융 상품 정보를 제공하고, 상기 사용자로부터 선택입력 받은 금융 상품에 대해 포인트를 산정할 수 있다.In addition, when financial products related to both the seller and the manufacturer exist, the point calculating unit may provide the related financial product information to the user and calculate points for the financial products selected and inputted by the user.
또한, 상기 지출 내역 수집부는 상기 사용자의 결제 명령 또는 상기 결제 명령에 대응되는 결제 처리 결과를 수신하고, 수신된 결제 명령 또는 상기 결제 처리 결과를 분석하여 지출 내역을 수집할 수 있다.In addition, the expenditure history collecting unit may receive the user's payment instruction or a payment processing result corresponding to the payment instruction, and collect the expenditure details by analyzing the received payment instruction or the payment processing result.
본 발명은 사용자가 자주 이용하는 상품 또는 서비스와 관련된 투자가 자동으로 이루어질 수 있도록 함으로써, 투자 관심도를 극대화할 수 있도록 하는 효과를 얻을 수 있다.The present invention can obtain the effect of maximizing the degree of investment interest by allowing an investment related to a product or service frequently used by a user to be automatically made.
본 발명은 사용자의 지출 내역을 분석하여 판매처 또는 제조사에 관한 정보를 확인하고 판매처 또는 제조사와 관련된 금융 상품을 식별함으로써, 사용자가 이용하는 상품 또는 서비스의 판매처와 제조사 각각에 투자할 수 있도록 하는 효과를 얻을 수 있다.The present invention has the effect of allowing the user to invest in each of the vendors and manufacturers of goods or services used by the user by analyzing the user's expenditure details to check information on the vendor or manufacturer and identify financial products related to the vendor or manufacturer. can
본 발명은 판매처 및 제조사 모두 관련된 금융 상품이 존재하는 경우 정해진 비율로 포인트를 분할하여 산정함으로써, 사용자가 상품 또는 서비스를 이용할 때마다 선택하지 않고 자동으로 편리하게 포인트를 산정할 수 있도록 하는 효과를 얻을 수 있다.The present invention obtains the effect of allowing the user to conveniently calculate points automatically without selecting each time a user uses a product or service by dividing and calculating points at a predetermined ratio when there is a financial product related to both the seller and the manufacturer. can
본 발명은 판매처 및 제조사 모두 관련된 금융 상품이 존재하는 경우, 사용자에게 관련된 금융 상품 정보를 제공하고 사용자로부터 선택입력 받은 금융 상품에 대해 포인트를 산정함으로써, 사용자가 관심도가 더 높은 금융 상품을 선택할 수 있도록 하는 효과를 얻을 수 있다.The present invention provides a financial product information related to a user when a related financial product exists for both the seller and the manufacturer and calculates points for the financial product selected and inputted by the user so that the user can select a financial product with a higher interest effect can be obtained.
본 발명은 사용자의 결제 명령 또는 결제 명령에 대응되는 결제 처리 결과를 수신하고 수신된 결제 명령 또는 결제 처리 결과를 분석하여 지출 내역을 분석함으로써, 사용자가 상품 또는 서비스를 이용할 때 자동으로 지출 내역을 수신하도록 하는 효과를 얻을 수 있다.The present invention receives the payment processing result corresponding to the user's payment instruction or payment instruction and analyzes the expenditure details by analyzing the received payment instruction or payment processing result, thereby automatically receiving the expenditure details when the user uses goods or services effect can be obtained.
도 1은 본 발명의 일실시예에 따른 포인트 제공 시스템의 내부 구성을 도시한 구성도이다.1 is a configuration diagram illustrating an internal configuration of a point providing system according to an embodiment of the present invention.
도 2는 본 발명의 일실시예에 따른 판매처 및 제조사와 관련된 금융 상품이 존재하는 경우 정해진 비율로 포인트를 분할하여 산정하는 일례를 도시한 구성도이다.FIG. 2 is a configuration diagram illustrating an example of calculating points by dividing points at a predetermined ratio when there is a financial product related to a seller and a manufacturer according to an embodiment of the present invention.
도 3은 본 발명의 일실시예에 따른 금융 상품 각각에 대응되는 포인트가 각각의 금융 상품의 최소 구매 단가 이상이 되는 경우 해당 금융 상품을 사용자의 투자 계좌에 이체하는 일례를 도시한 구성도이다.3 is a configuration diagram illustrating an example of transferring a financial product to a user's investment account when the points corresponding to each financial product are equal to or greater than the minimum purchase unit price of each financial product according to an embodiment of the present invention.
도 4는 본 발명의 일실시예에 따른 포인트 제공 방법의 흐름을 도시한 흐름도이다.4 is a flowchart illustrating a flow of a method for providing points according to an embodiment of the present invention.
본 발명의 일실시예에 따른 포인트 제공 시스템은 사용자별로 투자 가능한 금융 상품 각각에 대응되는 포인트 정보를 저장하는 포인트 정보 저장부, 사용자의 지출 내역을 수집하는 지출 내역 수집부, 상기 수집된 지출 내역 중 상기 투자 가능한 금융 상품에 매칭되는 지출 내역을 판별하는 판별부, 상기 판별의 결과에 기초하여, 상기 지출 내역에 매칭되는 금융 상품에 대한 포인트를 상기 수집된 지출 내역에 포함된 지출 금액을 근거로 결정하고, 상기 결정된 포인트를 상기 포인트 정보 저장부에 업데이트하는 포인트 산정부 및 상기 포인트 정보 저장부에 저장된 상기 금융 상품 각각에 대응되는 포인트가 각각의 금융 상품의 최소 구매 단가 이상이 되는 경우, 해당 금융 상품을 상기 사용자의 투자계좌에 이체하는 리워드 제공부를 포함하여 구성될 수 있다.A point providing system according to an embodiment of the present invention includes a point information storage unit for storing point information corresponding to each financial product that can be invested by each user, a spending history collecting unit for collecting the user's expenditure details, and among the collected expenditure details. A determination unit for determining expenditure details matching the investment possible financial products, based on a result of the determination, determining points for financial products matching the expenditure details based on the expenditure amount included in the collected expenditure details and a point calculation unit that updates the determined points to the point information storage unit and a point corresponding to each of the financial products stored in the point information storage unit is equal to or greater than the minimum purchase unit price of each financial product, the corresponding financial product may be configured to include a reward providing unit to transfer to the user's investment account.
또한, 상기 판별부는 상기 지출 내역을 분석하여, 판매처 또는 제조사에 관한 정보를 확인하고, 상기 판매처 또는 제조사와 관련된 금융 상품을 식별할 수 있다.In addition, the determining unit may analyze the expenditure details, check information on the seller or manufacturer, and identify financial products related to the seller or manufacturer.
또한, 상기 포인트 산정부는 상기 판매처 및 상기 제조사 모두 관련된 금융 상품이 존재하는 경우, 정해진 비율로 포인트를 분할하여 산정할 수 있다.In addition, the point calculating unit may calculate by dividing points by a predetermined ratio when financial products related to both the seller and the manufacturer exist.
또한, 상기 포인트 산정부는 상기 판매처 및 상기 제조사 모두 관련된 금융 상품이 존재하는 경우, 상기 사용자에게 상기 관련된 금융 상품 정보를 제공하고, 상기 사용자로부터 선택입력 받은 금융 상품에 대해 포인트를 산정할 수 있다.In addition, when financial products related to both the seller and the manufacturer exist, the point calculating unit may provide the related financial product information to the user and calculate points for the financial products selected and inputted by the user.
또한, 상기 지출 내역 수집부는 상기 사용자의 결제 명령 또는 상기 결제 명령에 대응되는 결제 처리 결과를 수신하고, 수신된 결제 명령 또는 상기 결제 처리 결과를 분석하여 지출 내역을 수집할 수 있다.In addition, the expenditure history collecting unit may receive the user's payment instruction or a payment processing result corresponding to the payment instruction, and collect the expenditure details by analyzing the received payment instruction or the payment processing result.
이하, 본 발명의 바람직한 실시예를 첨부된 도면들을 참조하여 상세히 설명한다. 본 발명을 설명함에 있어, 관련된 공지 구성 또는 기능에 대한 구체적인 설명이 본 발명의 요지를 흐릴 수 있다고 판단되는 경우에는 그 상세한 설명은 생략하기로 한다. 또한 본 발명의 실시예들을 설명함에 있어 구체적인 수치는 실시예에 불과하며 이에 의하여 발명의 범위가 제한되지 아니한다.Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In describing the present invention, if it is determined that a detailed description of a related known configuration or function may obscure the gist of the present invention, the detailed description thereof will be omitted. In addition, in describing the embodiments of the present invention, specific numerical values are merely examples and the scope of the invention is not limited thereby.
본 발명에 따른 포인트 제공 시스템은 중앙처리장치(CPU) 및 메모리(Memory, 기억장치)를 구비하고 인터넷 등의 통신망을 통하여 다른 단말기와 연결 가능한 서버의 형태로 구성될 수 있다. 그러나 본 발명이 중앙처리장치 및 메모리 등의 구성에 의해 한정되지는 아니한다. 또한, 본 발명에 따른 포인트 제공 시스템은 물리적으로 하나의 장치로 구성될 수도 있으며, 복수의 장치에 분산된 형태로 구현될 수도 있다.The point providing system according to the present invention may be configured in the form of a server having a central processing unit (CPU) and a memory (Memory) and connectable to other terminals through a communication network such as the Internet. However, the present invention is not limited by the configuration of the central processing unit and the memory. In addition, the point providing system according to the present invention may be physically configured as one device or may be implemented in a distributed form among a plurality of devices.
도 1은 본 발명의 일실시예에 다른 포인트 제공 시스템의 내부 구성을 도시한 구성도이다.1 is a configuration diagram showing the internal configuration of a point providing system according to an embodiment of the present invention.
본 발명에 따른 포인트 제공 시스템은 포인트 정보 저장부(110), 지출 내역 수집부(120), 판별부(130), 포인트 산정부(140), 리워드 제공부(150)로 구성될 수 있으며, 각각의 구성요소들은 물리적으로 동일한 컴퓨터 시스템 내에서 동작하는 소프트웨어 모듈일 수 있으며, 물리적으로 2개 이상으로 분리된 물리적 장치가 서로 연동하여 동작할 수 있도록 구성된 형태일 수 있는데, 동일한 기능을 포함하는 다양한 실시형태가 본 발명의 권리범위에 속한다.The point providing system according to the present invention may be composed of a point information storage unit 110 , a spending history collecting unit 120 , a determining unit 130 , a point calculating unit 140 , and a reward providing unit 150 , respectively. The components may be software modules that operate within the same physically identical computer system, and may be configured so that two or more physically separated physical devices can operate in conjunction with each other. The form belongs to the scope of the present invention.
포인트 정보 저장부(110)는 사용자별로 투자 가능한 금융 상품 각각에 대응되는 포인트 정보를 저장할 수 있다.The point information storage unit 110 may store point information corresponding to each financial product that can be invested by each user.
사용자는 재무활동을 하는 사람일 수 있으며, 어떤 물건을 구매하거나, 투자 활동을 하는 사람일 수 있다. 포인트 정보는 사용자가 특정 물품을 구매하거나, 사용자가 특정 물품 또는 회사와 관련있는 소비를 하였을 경우 사용자가 구매 또는 소비에 사용한 금액의 일정 비율이 적립된 적립액인 포인트수와 사용자가 구매 또는 소비에 사용한 소비처 정보를 포함한 정보일 수 있다. 포인트 정보 저장부(110)는 포인트 정보에 포함되어 있는 사용자가 구매하거나 소비한 특정 물품에 대한 정보와 관련있는 금융 상품을 매칭하고, 포인트 정보 저장부(110)는 매칭한 금융 상품과 대응되는 포인트 정보 투자 가능한 금융 상품에 저장할 수 있다. 즉, 포인트 정보 저장부(110)는 사용자가 각각의 소비한 특정 물품에 대한 정보 및 포인트수를 사용자가 소비한 특정 물품과 관련있는 금융 상품에 대응하여 포인트 정보로 저장할 수 있다.The user may be a person who engages in financial activities, purchases a certain product, or conducts an investment activity. Point information includes the number of points, which is the accumulated amount of a certain percentage of the amount the user used for purchase or consumption, and the number of points the user used for purchase or consumption, when the user purchases a specific product or when the user consumes a specific product or company. It may be information including consumer information. The point information storage unit 110 matches a financial product related to information on a specific item purchased or consumed by the user included in the point information, and the point information storage unit 110 matches the point corresponding to the matched financial product. Information can be stored in investable financial products. That is, the point information storage unit 110 may store information on each specific item consumed by the user and the number of points as point information in response to a financial product related to the specific item consumed by the user.
예를 들면, Z사용자는 B회사의 휴대폰을 구매하여 1만 포인트가 적립하였고, C회사의 자동차를 구매하여 50만 포인트를 적합하는 경우, 포인트 정보에는 B회사의 휴대폰을 구매하여 1만 포인트가 적립되었다는 정보와 C회사의 자동차를 구매하여 50만 포인트가 적립되었다는 정보가 저장될 수 있다. 포인트 정보 저장부(110)는 Z사용자는 투자 가능한 금융 상품으로 B회사와 매칭되는 금융 상품인 B금융 상품에 1만 포인트 정보, C회사와 매칭되는 금융 상품인 C금융 상품 에 50만 포인트 정보를 대응하여 저장할 수 있다.For example, if user Z purchases a mobile phone from company B and accumulates 10,000 points, and purchases a car from company C to qualify for 500,000 points, the point information contains 10,000 points by purchasing a mobile phone from company B. Information that it has been accumulated and that 500,000 points have been accumulated by purchasing a car of company C may be stored. The point information storage unit 110 stores information of 10,000 points on financial product B, which is a financial product that matches company B, as a financial product that Z user can invest in, and 500,000 points information on financial product C, a financial product that matches company C. can be saved in response.
지출 내역 수집부(120)는 사용자의 지출 내역을 수집할 수 있다.The expenditure history collecting unit 120 may collect the user's expenditure details.
사용자가 사용자의 결제 수단을 이용하여 특정 물품을 구매하기 위해 지출하는 경우 지출 내역 수집부(120)는 사용자가 구매한 물품과 지출한 금액과 관련된 정보를 포함하고 있는 지출 내역에 대한 정보를 수집할 수 있다.When the user spends to purchase a specific item using the user's payment method, the expenditure history collection unit 120 collects information on the expenditure history including information related to the item purchased by the user and the amount spent. can
예를 들면, 사용자는 A가게에서 B회사의 휴대폰을 100만원을 지불하여 구매하는 경우 지출 내역 수집부(120)는 사용자가 A가게에서 B회사의 휴대폰을 100만원을 지불하여 구매하였다는 지출 내역을 수집할 수 있다.For example, when the user pays 1 million won for the mobile phone of the company B at the store A, the expenditure history collecting unit 120 shows that the user pays 1 million won for the mobile phone of the company B at the store A can be collected.
지출 내역 수집부(120)는 상기 사용자의 결제 명령 또는 상기 결제 명령에 대응되는 결제 처리 결과를 수신하고, 수신된 결제 명령 또는 상기 결제 처리 결과를 분석하여 지출 내역을 수집할 수 있다.The expenditure details collection unit 120 may receive the user's payment command or a payment processing result corresponding to the payment command, and collect the expenditure details by analyzing the received payment command or the payment processing result.
결제 명령과 결제 명령에 대응되는 결제 처리 결과는 사용자가 사용자의 결제 수단을 이용하여 특정 물품을 구매하거나 특정 물품을 위한 소비를 하는 경우 발생할 수 있다. 지출 내역 수집부(120)는 결제 명령과 결제 명령에 대응되는 결제 처리 결과를 분석하여 사용자가 구매한 물품과 지출한 금액과 관련된 정보 등과 같이 사용자가 결제한 특정 물품과 관련된 정보를 포함하고 있는 지출 내역에 대한 정보를 수집할 수 있다.A payment command and a payment processing result corresponding to the payment command may occur when a user purchases a specific product or consumes a specific product using the user's payment method. The expenditure history collecting unit 120 analyzes the payment command and the payment processing result corresponding to the payment command, and the expenditure that includes information related to the specific product the user has paid for, such as information related to the product purchased by the user and the amount spent by the user. You can collect information about the history.
판별부(130)는 수집된 지출 내역 중 상기 투자 가능한 금융 상품에 매칭되는 지출 내역을 판별할 수 있다.The determination unit 130 may determine the expenditure details matching the investment possible financial product among the collected expenditure details.
판별부(130)는 지출 내역 수집부(120)에서 수집한 사용자가 특정 물품을 구매하기 위해 지출한 정보를 포함하고 있는 지출 내역 중 투자 가능한 금융 상품과 매칭되는 지출 내역이 있는지 여부를 판별할 수 있다. 판별부(130)는 지출 내역 수집부(120)에서 수집한 사용자의 지출 내역을 기초로 투자 가능한 금융 상품에 매칭되는 지출 내역이 있는지 판단할 수 있다.The determination unit 130 may determine whether there is an expenditure detail that matches an investable financial product among the expenditure details including information that the user has spent to purchase a specific item collected by the expenditure history collection unit 120 . have. The determining unit 130 may determine whether there is an expenditure history matching the investment possible financial product based on the user's expenditure details collected by the expenditure history collecting unit 120 .
예를 들면, 사용자는 J가게에서 K회사의 화장품과 L회사의 과자를 구매하였으며, 지출 내역 수집부(120)는 사용자가 J가게에서 K회사의 화장품과 L회사 과자를 구매하였다는 정보를 지출 내역을 수집할 수 있다. 판별부(130)는 J가게와 L회사와 매칭되는 투자 가능한 금융 상품이 있다는걸 판멸할 수 있으며, K회사와 매칭되는 투자 가능한 금융 상품은 없다는걸 판별할 수 있다.For example, the user purchases company K's cosmetics and company L's sweets from the store J, and the expenditure history collecting unit 120 spends information indicating that the user has purchased cosmetics from the company K and sweets from the company L at the store J. history can be collected. The determination unit 130 may determine that there is an investable financial product matching the J store and the L company, and may determine that there is no investable financial product matching the K company.
판별부(130)는 상기 지출 내역을 분석하여, 판매처 또는 제조사에 관한 정보를 확인하고, 상기 판매처 또는 제조사와 관련된 금융 상품을 식별할 수 있다.The determination unit 130 may analyze the expenditure details, check information on the seller or manufacturer, and identify financial products related to the seller or manufacturer.
판별부(130)는 지출 내역 수집부(120)에서 수집한 사용자가 구매한 특정 물품의 판매처 또는 제조사에 관한 정보를 포함하고 있는 지출 내역에 대한 정보를 분석하여 판매처 또는 제조사를 확인할 수 있다. 판별부(130)는 판매처 또는 제조사에 매칭되는 금융 상품의 여부를 판별할 수 있다.The determination unit 130 may identify the seller or manufacturer by analyzing the information on the expenditure details, which includes information on the seller or manufacturer of the specific item purchased by the user, collected by the expenditure details collection unit 120 . The determination unit 130 may determine whether the financial product matches the seller or the manufacturer.
예를 들면, 사용자는 A가게에서 B회사의 휴대폰을 100만원을 지불하여 구매하는 경우 지출 내역 수집부(120)는 사용자가 A가게에서 B회사의 휴대폰을 100만원을 지불하여 구매하였다는 지출 내역을 수집할 수 있다. 판별부(130)는 지출 내역 수집부(120)에서 수집한 지출 내역을 분석하여 판매처는 A가게, 제조사는 B회사인 것을 확인하고, A가게와 관련된 금융 상품은 A금융 상품이며, B회사와 관련된 관련된 금융 상품은 B금융 상품인 것을 식별할 수 있다.For example, when the user pays 1 million won for the mobile phone of the company B at the store A, the expenditure history collecting unit 120 shows that the user pays 1 million won for the mobile phone of the company B at the store A can be collected. The determination unit 130 analyzes the expenditure details collected by the expenditure details collection unit 120 to confirm that the seller is the store A and the manufacturer is the company B, and the financial product related to the store A is a financial product A, and the It can be identified that the related related financial product is financial product B.
포인트 산정부(140)는 상기 판별의 결과에 기초하여, 상기 지출 내역에 매칭되는 금융 상품에 대한 포인트를 상기 수집된 지출 내역에 포함된 지출 금액을 근거로 결정하고, 상기 결정된 포인트를 상기 포인트 정보 저장부(110)에 업데이트할 수 있다.The point calculation unit 140 determines, based on the result of the determination, points for financial products matching the expenditure details based on the expenditure amount included in the collected expenditure details, and sets the determined points to the point information The storage unit 110 may be updated.
포인트 산정부(140)는 판별부(130)에서 판별한 투자 가능한 금융 상품에 매칭되는 지출 내역을 확인하고, 판별한 투자 가능한 금융 상품에 매칭되는 지출 내역 중 사용자가 지출한 지출 금액을 기준으로 포인트를 결정할 수 있다. 포인트 산정부(140)는 결정된 포인트를 판별부(130)에서 판별한 투자 가능한 금융 상품의 포인트로 매칭하고, 기존의 포인트 정보 저장부(110)에 저장되어 있던 투자 가능한 금융 상품의 포인트에 업데이트하여 저장할 수 있다.The point calculating unit 140 checks the expenditure details matching the investable financial products determined by the determining unit 130, and points based on the amount spent by the user among the expenditure details matching the determined investable financial products can be decided The point calculation unit 140 matches the determined points with the points of the investable financial products determined by the determination unit 130, and updates the points of the investable financial products stored in the existing point information storage unit 110. can be saved
예를 들면, Z사용자는 B회사의 냉장고를 200만원을 지출하여 구매하였다. 판별부(130)에서 판별한 투자 가능한 금융 상품을 B금융 상품인 것으로 판별하였으며, 지출 금액인 200만원에 대한 내역을 판별할 수 있다. 포인트 산정부(140)는 판별부(130)에서 판별한 지출금액인 200만원을 근거로 B금융 상품에 대한 포인트로 2만 포인트를 결정할 수 있으며, 2만 포인트에 대한 정보를 B금융 상품에 업데이트할 수 있다. 이때, 포인트 산정부(140)는 포인트 정보 저장부(110)에 Z사용자와 B금융 상품에 1만 포인트가 대응되어 저장되어 있는 것을 확인할 수 있으며, 포인트 산정부(140)는 Z사용자가 B회사의 냉장고를 구매하여 생성된 2만 포인트를 업데이트 할 수 있다. 포인트 정보 저장부(110)에는 Z사용자에 B금융 상품과 3만 포인트를 대응하여 저장할 수 있다.For example, user Z purchases the refrigerator of company B by spending 2 million won. It is determined that the investment possible financial product determined by the determining unit 130 is the B financial product, and it is possible to determine the details of the expenditure amount of 2 million won. The point calculation unit 140 may determine 20,000 points as points for financial product B based on 2 million won, which is the expenditure amount determined by the determination unit 130, and updates information about 20,000 points to financial product B can do. At this time, the point calculation unit 140 may confirm that 10,000 points are stored in correspondence with the user Z and the financial product B in the point information storage unit 110 , and the point calculation unit 140 indicates that the user Z is stored in the company B. You can update the 20,000 points created by purchasing a refrigerator. The point information storage unit 110 may store the B financial product and 30,000 points in correspondence with the user Z.
포인트 산정부(140)는 상기 판매처 및 상기 제조사 모두 관련된 금융 상품이 존재하는 경우, 정해진 비율로 포인트를 분할하여 산정할 수 있다.The point calculating unit 140 may calculate points by dividing the points by a predetermined ratio when financial products related to both the seller and the manufacturer exist.
판별부(130)에서 식별한 판매처 및 제조사와 관련된 금융 상품을 확인할 수 있다. 포인트 산정부(140)는 판별부(130)에서 판매처 또는 제조사와 관련된 금융 상품이 존재하는 경우 정해진 비율로 포인트를 분할하여 산정할 수 있다. 정해진 비율은 사용자가 구매한 특정 물품에 대한 지출 내역에 매칭되는 금융 상품에 대한 포인트를 결정할 수 있는 비율일 수 있다. 사용자는 하나의 상품을 구매할 때, 그 상품을 구매하는 판매처와 제조사에 대한 금융 상품이 각각 존재할 수 있다. 사용자가 하나의 상품을 구매할 때 판매처 또는 제조사에 대응되는 금융 상품이 각각 존재하는 경우 사용자가 구매한 상품인 구매 품목을 기준으로 판매처와 제조사에 각각 다른 비율로 포인트를 분할하여 산정할 수 있다. 판별부(130)는 사용자가 구매한 하나의 상품에 대한 지출 내역에 대한 정보를 분석하여 판매처 또는 제조사를 확인할 수 있으며, 판매처 또는 제조사에 매칭되는 금융 상품이 각각 존재하는 경우, 포인트 산정부(140)는 사용자가 구매한 하나의 상품의 판매처 또는 제조사에 해당하는 정해진 비율로 포인트를 산정할 수 있다.It is possible to check the financial products related to the seller and the manufacturer identified by the determining unit 130 . The point calculating unit 140 may calculate the points by dividing the points at a predetermined ratio when there is a financial product related to a seller or a manufacturer in the determining unit 130 . The predetermined ratio may be a ratio at which points for a financial product matching the expenditure details for a specific product purchased by the user can be determined. When a user purchases one product, financial products for a vendor and a manufacturer who purchase the product may exist, respectively. When the user purchases one product, if there are financial products corresponding to the vendor or the manufacturer, respectively, points may be divided and calculated by dividing the points at the vendor and the manufacturer at different ratios based on the purchased item, which is the product purchased by the user. The determination unit 130 may analyze the information on the expenditure details for one product purchased by the user to confirm the seller or the manufacturer, and if there are financial products matching the seller or the manufacturer, the point calculating unit 140 ) can calculate points at a fixed rate corresponding to the seller or manufacturer of one product purchased by the user.
예를 들면, 사용자는 A가게에서 B회사의 휴대폰을 100만원을 지불하여 구매하는 경우 지출 내역 수집부(120)는 사용자가 A가게에서 B회사의 휴대폰을 100만원을 지불하여 구매하였다는 지출 내역을 수집할 수 있다. 판별부(130)는 지출 내역 수집부(120)에서 수집한 지출 내역을 분석하여 판매처는 A가게, 제조사는 B회사인 것을 확인하고, A가게와 관련된 금융 상품은 A금융 상품이며, B회사와 관련된 관련된 금융 상품은 B금융 상품인 것을 식별할 수 있다. 포인트 산정부(140)는 정해진 비율이 판매처 60%, 제조사 40%인 것을 확인할 수 있으며, 사용자가 구매한 100만원을 기준으로 포인트는 1만 포인트로 결정할 수 있다. 포인트 산정부(140)는 결정된 1만 포인트를 기준으로 판매처와 대응되는 A금융 상품에 6천 포인트, 제조사와 대응되는 B금융 상품 4천포인트로 분할하여 산정하여 결정할 수 있다. 포인트 산정부(140)는 A금융 상품에 6천포인트, B금융 상품에 4천포인트를 포인트 정보 저장부(110)에 업데이트 하여 저장할 수 있다.For example, when the user pays 1 million won for the mobile phone of the company B at the store A, the expenditure history collecting unit 120 shows that the user pays 1 million won for the mobile phone of the company B at the store A can be collected. The determination unit 130 analyzes the expenditure details collected by the expenditure details collection unit 120 to confirm that the seller is the store A and the manufacturer is the company B, and the financial product related to the store A is a financial product A, and the It can be identified that the related related financial product is financial product B. The point calculation unit 140 may confirm that the determined ratio is 60% of the seller and 40% of the manufacturer, and the point may be determined as 10,000 points based on 1 million won purchased by the user. The point calculation unit 140 may determine by dividing the determined 10,000 points into 6,000 points for financial product A corresponding to the seller and 4,000 points for financial product B corresponding to the manufacturer. The point calculation unit 140 may update and store 6,000 points for financial product A and 4,000 points for financial product B in the point information storage unit 110 .
포인트 산정부(140)는 상기 판매처 및 상기 제조사 모두 관련된 금융 상품이 존재하는 경우, 상기 사용자에게 상기 관련된 금융 상품 정보를 제공하고, 상기 사용자로부터 선택입력 받은 금융 상품에 대해 포인트를 산정할 수 있다.When a financial product related to both the seller and the manufacturer exists, the point calculating unit 140 may provide the related financial product information to the user and calculate points for the financial product selected and inputted by the user.
판별부(130)에서 식별한 판매처 및 제조사와 관련된 금융 상품을 확인할 수 있다. 포인트 산정부(140)는 판별부(130)에서 판매처 또는 제조사와 관련된 금융 상품이 존재하는 경우 사용자에게 판매처 또는 제조사와 관련된 금융 상품 정보를 제공할 수 있다. 사용자는 제공받은 판매처 또는 제조사와 관련된 금융 상품 각각에 대한 비율을 산정할 수 있으며, 포인트 산정부(140)는 사용자가 금융 상품 각각에 대한 비율을 기초로 포인트를 분할하여 산정할 수 있다. It is possible to check the financial products related to the seller and the manufacturer identified by the determining unit 130 . When a financial product related to a seller or a manufacturer exists in the determining unit 130 , the point calculating unit 140 may provide information on financial products related to the seller or the manufacturer to the user. The user may calculate a ratio for each of the provided financial products related to the vendor or manufacturer, and the point calculating unit 140 may divide and calculate the points based on the ratio for each financial product by the user.
예를 들면, 사용자는 D가게에서 E회사의 청소기를 100만원을 지불하여 구매하는 경우 지출 내역 수집부(120)는 사용자가 D가게에서 E회사의 청소기를 100만원을 지불하여 구매하였다는 지출 내역을 수집할 수 있다. 판별부(130)는 지출 내역 수집부(120)에서 수집한 지출 내역을 분석하여 판매처는 D가게, 제조사는 E회사인 것을 확인하고, D가게와 관련된 금융 상품은 D금융 상품이며, E회사와 관련된 관련된 금융 상품은 E금융 상품인 것을 식별할 수 있다. 포인트 산정부(140)는 사용자가 구매한 100만원을 기준으로 포인트는 1만 포인트로 결정할 수 있다. 포인트 산정부(140)는 사용자에게 D금융 상품과 E금융 상품에 대한 정보를 제공할 수 있으며, 사용자는 D금융 상품에 40%, E금융 상품에 60%를 입력할 수 있다. 포인트 산정부(140)는 사용자가 입력한 정보를 포인트를 결정할 수 있으며, 결정된 1만 포인트를 기준으로 판매처와 대응되는 D금융 상품에 4천 포인트, 제조사와 대응되는 E금융 상품 6천포인트로 분할하여 산정하여 결정할 수 있다. 포인트 산정부(140)는 D금융 상품에 4천포인트, E금융 상품에 6천포인트를 포인트 정보 저장부(110)에 업데이트 하여 저장할 수 있다.For example, when the user pays 1 million won to purchase a vacuum cleaner of company E from shop D, the expenditure history collecting unit 120 shows that the user paid 1 million won for a vacuum cleaner of company E from shop D can be collected. The determination unit 130 analyzes the expenditure details collected by the expenditure details collection unit 120 to confirm that the seller is the shop D and the manufacturer is the company E, and the financial product related to the shop D is a D financial product, and the company E The related related financial instrument may be identified as being an E-financial instrument. The point calculation unit 140 may determine the points to be 10,000 points based on the 1 million won purchased by the user. The point calculation unit 140 may provide the user with information on the D financial product and the E financial product, and the user may input 40% for the D financial product and 60% for the E financial product. The point calculation unit 140 may determine points based on the information entered by the user, and based on the determined 10,000 points, it is divided into 4,000 points for D financial products corresponding to the seller and 6,000 points for E financial products corresponding to manufacturers. can be calculated and determined. The point calculation unit 140 may update and store 4,000 points in the D financial product and 6,000 points in the E financial product in the point information storage unit 110 .
리워드 제공부(150)는 상기 포인트 정보 저장부(110)에 저장된 상기 금융 상품 각각에 대응되는 포인트가 각각의 금융 상품의 최소 구매 단가 이상이 되는 경우, 해당 금융 상품을 상기 사용자의 투자계좌에 이체할 수 있다.When the points corresponding to each of the financial products stored in the point information storage unit 110 are equal to or greater than the minimum purchase unit price of each financial product, the reward providing unit 150 transfers the corresponding financial product to the investment account of the user. can do.
리워드 제공부(150)는 포인트 정보 저장부(110)에 저장된 금융 상품 각각의 최소 구매 단가를 확인할 수 있으며, 포인트 정보 저장부(110) 각각의 금융 상품에 대응되는 포인트가 각각의 금융 상품의 최소 구매 단가 이상이 되는 경우 해당 금융 상품을 해당 금융 상품의 포인트로 구매하여 사용자의 투자 계좌에 이체할 수 있다. 리워드 제공부(150)는 포인트 정보 저장부(110)에 저장된 각각의 금융 상품과 각각의 포인트 정보를 확인하고, 각각의 금융 상품에 해당하는 포인트 정보가 최소 단위의 단가 이상인 경우 리워드 제공부(150)는 포인트로 해당 금융 상품을 구매하여 사용자의 투자계좌에 이체할 수 있다. 사용자가 지출을 많이 판매처 또는 제조사의 금융 상품을 자연스럽게 구매할 수 있다. The reward providing unit 150 may check the minimum purchase unit price of each financial product stored in the point information storage unit 110 , and the point corresponding to each financial product in the point information storage unit 110 is the minimum purchase price of each financial product. If the purchase unit price is higher than the purchase unit price, the financial product can be purchased with points of the financial product and transferred to the user's investment account. The reward providing unit 150 checks each financial product and each point information stored in the point information storage unit 110, and when the point information corresponding to each financial product is equal to or greater than the unit price of the minimum unit, the reward providing unit 150 ) can be transferred to the user's investment account by purchasing the corresponding financial product with points. Users can naturally purchase financial products from vendors or manufacturers who spend a lot of money.
예를 들면, 포인트 정보 저장부(110)에 저장된 X사용자의 금융 상품과 대응되는 포인트 정보는 F금융 상품 5만 포인트, G금융 상품 10만 포인트, H금융 상품 7만 포인트, I금융 상품 15만 포인트로 확인할 수 있다. 리워드 제공부(150)에서 확인한 F금융 상품의 최소 구매 단가는 6만원, G금융 상품의 최소 구매 단가는 10만원, H금융 상품의 최소 구매 단가는 8만원, I금융 상품의 최고 구매 단가는 20만원인 것을 확인할 수 있으며, 포인트 정보 저장부(110)에 저장된 1포인트 당 1원의 가치인 것을 확인할 수 있다. 리워드 제공부(150)는 포인트 정보 저장부(110)에 저장된 X사용자의 금융 상품 중 G금융 상품의 포인트는 10만 포인트로 G금융 상품의 최소 구매단가인 10만원이상이 되었기 때문에 G금융 상품을 구매하여 사용자의 투자 계좌에 G금융 상품 최소 단위를 사용자의 투자 계좌에 이체할 수 있다.For example, point information corresponding to user X's financial products stored in the point information storage unit 110 includes 50,000 points for financial products F, 100,000 points for financial products G, 70,000 points for financial products H, and 150,000 points for financial products I. You can check it with points. The minimum purchase unit price of financial products F confirmed by the reward provision unit 150 is 60,000 won, the minimum purchase unit price of financial products G is 100,000 won, the minimum purchase unit price of financial products H is 80,000 won, and the highest purchase price of financial products is 20 It can be confirmed that the value is 10,000 won, and it can be confirmed that the value of one won per point stored in the point information storage unit 110 is. The reward providing unit 150 is a G financial product because the points of the G financial product among the financial products of the user X stored in the point information storage 110 are 100,000 points, which is the minimum purchase unit price of the G financial product, which is 100,000 won or more. By purchasing, you can transfer the minimum unit of G financial products to the user's investment account to the user's investment account.
도 2는 본 발명의 일실시예에 따른 판매처 및 제조사와 관련된 금융 상품이 존재하는 경우 정해진 비율로 포인트를 분할하여 산정하는 일례를 도시한 구성도이다.FIG. 2 is a configuration diagram illustrating an example of calculating points by dividing points at a predetermined ratio when there is a financial product related to a seller and a manufacturer according to an embodiment of the present invention.
지출 내역 수집부(120)는 사용자의 지출 내역을 수집할 수 있다.The expenditure history collecting unit 120 may collect the user's expenditure details.
지출 내역 수집부(120)는 상기 사용자의 결제 명령 또는 상기 결제 명령에 대응되는 결제 처리 결과를 수신하고, 수신된 결제 명령 또는 상기 결제 처리 결과를 분석하여 지출 내역을 수집할 수 있다.The expenditure details collection unit 120 may receive the user's payment command or a payment processing result corresponding to the payment command, and collect the expenditure details by analyzing the received payment command or the payment processing result.
판별부(130)는 수집된 지출 내역 중 상기 투자 가능한 금융 상품에 매칭되는 지출 내역을 판별할 수 있다.The determination unit 130 may determine the expenditure details matching the investment possible financial product among the collected expenditure details.
판별부(130)는 상기 지출 내역을 분석하여, 판매처 또는 제조사에 관한 정보를 확인하고, 상기 판매처 또는 제조사와 관련된 금융 상품을 식별할 수 있다. 포인트 산정부(140)는 상기 판별의 결과에 기초하여, 상기 지출 내역에 매칭되는 금융 상품에 대한 포인트를 상기 수집된 지출 내역에 포함된 지출 금액을 근거로 결정하고, 상기 결정된 포인트를 상기 포인트 정보 저장부(110)에 업데이트할 수 있다.The determination unit 130 may analyze the expenditure details, check information on the seller or manufacturer, and identify financial products related to the seller or manufacturer. The point calculation unit 140 determines, based on the result of the determination, points for financial products matching the expenditure details based on the expenditure amount included in the collected expenditure details, and sets the determined points to the point information The storage unit 110 may be updated.
예를 들면, 사용자는 A가게에서 B회사의 휴대폰을 100만원을 지불하여 구매(210)하는 경우 지출 내역 수집부(120)는 사용자가 A가게에서 B회사의 휴대폰을 100만원을 지불하여 구매하였다는 지출 내역을 수집할 수 있다. 판별부(130)는 지출 내역 수집부(120)에서 수집한 지출 내역을 분석하여 판매처는 A가게(220), 제조사는 B회사(230)인 것을 확인하고, A가게와 관련된 금융 상품은 A금융 상품(221)이며, B회사와 관련된 관련된 금융 상품은 B금융 상품(231)인 것을 식별할 수 있다. 포인트 산정부(140)는 정해진 비율이 판매처 60%(241), 제조사 40%(242)인 것을 확인할 수 있으며, 사용자가 구매한 100만원을 기준으로 포인트는 1만 포인트로 결정(240)할 수 있다. 포인트 산정부(140)는 결정된 1만 포인트를 기준으로 판매처와 대응되는 A금융 상품에 6천 포인트(243), 제조사와 대응되는 B금융 상품 4천포인트(244)로 분할하여 산정하여 결정할 수 있다. 포인트 산정부(140)는 A금융 상품에 6천포인트(243), B금융 상품에 4천포인트(244)를 포인트 정보 저장부(110)에 업데이트 하여 저장할 수 있다.For example, when the user pays 1 million won for the mobile phone of the company B in the store A and purchases 210 the mobile phone of the company B, the expenditure history collecting unit 120 purchases the mobile phone of the company B at the store A by the user paying 1 million won can collect expenditure history. The determination unit 130 analyzes the expenditure details collected by the expenditure details collection unit 120 to confirm that the seller is the store A 220 and the manufacturer is the company B 230 , and the financial product related to the store A is finance A It is product 221 , and it can be identified that the financial product related to company B is financial product B 231 . The point calculation unit 140 can confirm that the set ratio is 60% (241) of the seller and 40% (242) of the manufacturer, and the point can be determined (240) as 10,000 points based on 1 million won purchased by the user have. The point calculation unit 140 divides the determined 10,000 points into 6,000 points 243 for financial product A corresponding to the seller and 4,000 points 244 for financial product B corresponding to the manufacturer. . The point calculation unit 140 may update and store 6,000 points 243 for financial product A and 4,000 points 244 for financial product B in the point information storage unit 110 .
도 3은 본 발명의 일실시예에 따른 금융 상품 각각에 대응되는 포인트가 각각의 금융 상품의 최소 구매 단가 이상이 되는 경우 해당 금융 상품을 사용자의 투자 계좌에 이체하는 일례를 도시한 구성도이다.3 is a configuration diagram illustrating an example of transferring a financial product to a user's investment account when the points corresponding to each financial product are equal to or greater than the minimum purchase unit price of each financial product according to an embodiment of the present invention.
리워드 제공부(150)는 상기 포인트 정보 저장부(110)에 저장된 상기 금융 상품 각각에 대응되는 포인트가 각각의 금융 상품의 최소 구매 단가 이상이 되는 경우, 해당 금융 상품을 상기 사용자의 투자계좌에 이체할 수 있다.When the points corresponding to each of the financial products stored in the point information storage unit 110 are equal to or greater than the minimum purchase unit price of each financial product, the reward providing unit 150 transfers the corresponding financial product to the investment account of the user. can do.
리워드 제공부(150)는 포인트 정보 저장부(110)에 저장된 금융 상품 각각의 최소 구매 단가를 확인할 수 있으며, 포인트 정보 저장부(110) 각각의 금융 상품에 대응되는 포인트가 각각의 금융 상품의 최소 구매 단가 이상이 되는 경우 해당 금융 상품을 해당 금융 상품의 포인트로 구매하여 사용자의 투자 계좌에 이체할 수 있다. 리워드 제공부(150)는 포인트 정보 저장부(110)에 저장된 각각의 금융 상품과 각각의 포인트 정보를 확인하고, 각각의 금융 상품에 해당하는 포인트 정보가 최소 단위의 단가 이상인 경우 리워드 제공부(150)는 포인트로 해당 금융 상품을 구매하여 사용자의 투자계좌에 이체할 수 있다. 사용자가 지출을 많이 판매처 또는 제조사의 금융 상품을 자연스럽게 구매할 수 있다. The reward providing unit 150 may check the minimum purchase unit price of each financial product stored in the point information storage unit 110 , and the point corresponding to each financial product in the point information storage unit 110 is the minimum purchase price of each financial product. If the purchase unit price is higher than the purchase unit price, the financial product can be purchased with points of the financial product and transferred to the user's investment account. The reward providing unit 150 checks each financial product and each point information stored in the point information storage unit 110, and when the point information corresponding to each financial product is equal to or greater than the unit price of the minimum unit, the reward providing unit 150 ) can be transferred to the user's investment account by purchasing the corresponding financial product with points. Users can naturally purchase financial products from vendors or manufacturers who spend a lot of money.
예를 들면, 포인트 정보 저장부(110)에 저장된 사용자의 금융 상품과 대응되는 포인트 정보는 F금융 상품 5만 포인트(311), G금융 상품 10만 포인트(312), H금융 상품 7만 포인트(313), I금융 상품 15만 포인트(314)로 확인할 수 있다. 리워드 제공부(150)에서 확인한 F금융 상품의 최소 구매 단가는 6만원(321), G금융 상품의 최소 구매 단가는 10만원(322), H금융 상품의 최소 구매 단가는 8만원(323), I금융 상품의 최고 구매 단가는 20만원(324)인 것을 확인할 수 있으며, 포인트 정보 저장부(110)에 저장된 1포인트 당 1원의 가치인 것을 확인할 수 있다. 리워드 제공부(150)는 포인트 정보 저장부(110)에 저장된 X사용자의 금융 상품 중 G금융 상품의 포인트는 10만 포인트로 G금융 상품의 최소 구매단가인 10만원이상이 되었기 때문에 G금융 상품을 구매하여 사용자의 투자 계좌(332)에 G금융 상품(331)을 사용자의 투자 계좌에 이체할 수 있다.For example, the point information corresponding to the user's financial products stored in the point information storage unit 110 is F financial product 50,000 points 311, G financial product 100,000 points 312, H financial product 70,000 points ( 313), I financial product 150,000 points (314). The minimum purchase price for financial products F confirmed by the reward provider 150 is 60,000 won (321), the minimum purchase price for G financial products is 100,000 won (322), and the minimum purchase price for financial products H is 80,000 won (323), It can be confirmed that the highest purchase unit price of the financial product is 200,000 won (324), and it can be confirmed that the value of 1 won per point stored in the point information storage unit 110 is obtained. The reward providing unit 150 is a G financial product because the points of the G financial product among the financial products of the user X stored in the point information storage 110 are 100,000 points, which is the minimum purchase unit price of the G financial product, which is 100,000 won or more. After purchasing, the G financial product 331 may be transferred to the user's investment account 332 to the user's investment account.
도 4는 본 발명의 일실시예에 따른 포인트 제공 방법의 흐름을 도시한 흐름도이다.4 is a flowchart illustrating a flow of a method for providing points according to an embodiment of the present invention.
이상의 개별계좌 포인트 제공 시스템은 포인트 제공 래 방법으로 구현되어 실현될 수 있으며, 상기 포인트 제공 시스템의 기술적인 사상을 그대로 적용할 수 있다.The above individual account point providing system can be implemented and realized by the method of providing points, and the technical idea of the point providing system can be applied as it is.
중앙처리장치 및 메모리를 구비하는 포인트 제공 방법에 있어서, 포인트 정보 저장 단계(S401)는 포인트 정보 저장부(110)에서 사용자별로 투자 가능한 금융 상품 각각에 대응되는 포인트 정보를 저장할 수 있다.In the point providing method having a central processing unit and a memory, the point information storage step ( S401 ) may store point information corresponding to each financial product that can be invested by each user in the point information storage unit 110 .
사용자는 재무활동을 하는 사람일 수 있으며, 어떤 물건을 구매하거나, 투자 활동을 하는 사람일 수 있다. 포인트 정보는 사용자가 특정 물품을 구매하거나, 사용자가 특정 물품 또는 회사와 관련있는 소비를 하였을 경우 사용자가 구매 또는 소비에 사용한 금액의 일정 비율이 적립된 적립액인 포인트수와 사용자가 구매 또는 소비에 사용한 소비처 정보를 포함한 정보일 수 있다. 포인트 정보 저장 단계(S401)는 포인트 정보에 포함되어 있는 사용자가 구매하거나 소비한 특정 물품에 대한 정보와 관련있는 금융 상품을 매칭하고, 포인트 정보 저장 단계(S401)는 매칭한 금융 상품과 대응되는 포인트 정보 투자 가능한 금융 상품에 저장할 수 있다. 즉, 포인트 정보 저장 단계(S401)는 사용자가 각각의 소비한 특정 물품에 대한 정보 및 포인트수를 사용자가 소비한 특정 물품과 관련있는 금융 상품에 대응하여 포인트 정보로 저장할 수 있다.The user may be a person who engages in financial activities, purchases a certain product, or conducts an investment activity. Point information includes the number of points, which is the accumulated amount of a certain percentage of the amount the user used for purchase or consumption, and the number of points the user used for purchase or consumption, when the user purchases a specific product or when the user consumes a specific product or company. It may be information including consumer information. The point information storage step (S401) matches financial products related to information on a specific item purchased or consumed by the user included in the point information, and the point information storage step (S401) includes points corresponding to the matched financial products. Information can be stored in investable financial products. That is, the point information storage step S401 may store information on each specific item consumed by the user and the number of points as point information in correspondence to financial products related to the specific item consumed by the user.
지출 내역 수집 단계(S402)는 지출 내역 수집부(120)에서사용자의 지출 내역을 수집할 수 있다.In the expenditure details collection step ( S402 ), the expenditure details collection unit 120 may collect the user's expenditure details.
사용자가 사용자의 결제 수단을 이용하여 특정 물품을 구매하기 위해 지출하는 경우 지출 내역 수집 단계(S402)는 사용자가 구매한 물품과 지출한 금액과 관련된 정보를 포함하고 있는 지출 내역에 대한 정보를 수집할 수 있다.When the user spends to purchase a specific item using the user's payment method, the expenditure history collection step S402 collects information on the expenditure history including information related to the item purchased by the user and the amount spent. can
지출 내역 수집 단계(S402)는 상기 사용자의 결제 명령 또는 상기 결제 명령에 대응되는 결제 처리 결과를 수신하고, 수신된 결제 명령 또는 상기 결제 처리 결과를 분석하여 지출 내역을 수집할 수 있다.In the expenditure detail collection step S402, the user's payment command or a payment processing result corresponding to the payment command may be received, and the expenditure details may be collected by analyzing the received payment command or the payment processing result.
결제 명령과 결제 명령에 대응되는 결제 처리 결과는 사용자가 사용자의 결제 수단을 이용하여 특정 물품을 구매하거나 특정 물품을 위한 소비를 하는 경우 발생할 수 있다. 지출 내역 수집 단계(S402)는 결제 명령과 결제 명령에 대응되는 결제 처리 결과를 분석하여 사용자가 구매한 물품과 지출한 금액과 관련된 정보 등과 같이 사용자가 결제한 특정 물품과 관련된 정보를 포함하고 있는 지출 내역에 대한 정보를 수집할 수 있다.A payment command and a payment processing result corresponding to the payment command may occur when a user purchases a specific product or consumes a specific product using the user's payment method. The expenditure details collection step S402 analyzes the payment command and the payment processing result corresponding to the payment command, and the expenditure including information related to the specific product the user has paid for, such as information related to the product purchased by the user and the amount spent by the user, etc. You can collect information about the history.
판별 단계(S403)는 판별부(130)에서 수집된 지출 내역 중 상기 투자 가능한 금융 상품에 매칭되는 지출 내역을 판별할 수 있다.In the determining step ( S403 ), it is possible to determine the expenditure details matching the investment possible financial products among the expenditure details collected by the determining unit 130 .
판별 단계(S403)는 지출 내역 수집 단계(S402)에서 수집한 사용자가 특정 물품을 구매하기 위해 지출한 정보를 포함하고 있는 지출 내역 중 투자 가능한 금융 상품과 매칭되는 지출 내역이 있는지 여부를 판별할 수 있다. 판별 단계(S403)는 지출 내역 수집 단계(S402)에서 수집한 사용자의 지출 내역을 기초로 투자 가능한 금융 상품에 매칭되는 지출 내역이 있는지 판단할 수 있다.In the determination step (S403), it can be determined whether there is a spending history that matches an investable financial product among the expenditure details including the information that the user has spent to purchase a specific item collected in the expenditure details collection step (S402). have. In the determining step S403 , it may be determined whether there is an expenditure detail matching the investment possible financial product based on the user's expenditure details collected in the expenditure detail collecting step S402 .
판별 단계(S403)는 상기 지출 내역을 분석하여, 판매처 또는 제조사에 관한 정보를 확인하고, 상기 판매처 또는 제조사와 관련된 금융 상품을 식별할 수 있다.In the determining step ( S403 ), it is possible to analyze the expenditure details, check information on the seller or manufacturer, and identify financial products related to the seller or manufacturer.
판별 단계(S403)는 지출 내역 수집 단계(S402)에서 수집한 사용자가 구매한 특정 물품의 판매처 또는 제조사에 관한 정보를 포함하고 있는 지출 내역에 대한 정보를 분석하여 판매처 또는 제조사를 확인할 수 있다. 판별 단계(S403)는 판매처 또는 제조사에 매칭되는 금융 상품의 여부를 판별할 수 있다.In the determination step S403 , the seller or the manufacturer may be identified by analyzing the information on the expenditure details including information on the seller or manufacturer of the specific item purchased by the user collected in the expenditure detail collection step S402 . In the determination step S403 , it may be determined whether the financial product matches the seller or the manufacturer.
포인트 산정 단계(S404)는 포인트 산정부(140)에서 상기 판별의 결과에 기초하여, 상기 지출 내역에 매칭되는 금융 상품에 대한 포인트를 상기 수집된 지출 내역에 포함된 지출 금액을 근거로 결정하고, 상기 결정된 포인트를 상기 포인트 정보 저장 단계(S401)에 업데이트할 수 있다.In the point calculation step (S404), based on the result of the determination in the point calculation unit 140, points for a financial product matching the expenditure details are determined based on the expenditure amount included in the collected expenditure details, The determined point may be updated in the point information storage step (S401).
포인트 산정 단계(S404)는 판별 단계(S403)에서 판별한 투자 가능한 금융 상품에 매칭되는 지출 내역을 확인하고, 판별한 투자 가능한 금융 상품에 매칭되는 지출 내역 중 사용자가 지출한 지출 금액을 기준으로 포인트를 결정할 수 있다. 포인트 산정 단계(S404)는 결정된 포인트를 판별 단계(S403)에서 판별한 투자 가능한 금융 상품의 포인트로 매칭하고, 기존의 포인트 정보 저장 단계(S401)에 저장되어 있던 투자 가능한 금융 상품의 포인트에 업데이트하여 저장할 수 있다.The point calculation step (S404) checks the expenditure details matching the investable financial products determined in the determining step (S403), and points based on the amount spent by the user among the expenditure details matching the determined investable financial products can be decided In the point calculation step (S404), the determined points are matched with the points of the investable financial products determined in the determination step (S403), and the points of the investable financial products stored in the existing point information storage step (S401) are updated. can be saved
포인트 산정 단계(S404)는 상기 판매처 및 상기 제조사 모두 관련된 금융 상품이 존재하는 경우, 정해진 비율로 포인트를 분할하여 산정할 수 있다.In the point calculation step ( S404 ), when financial products related to both the seller and the manufacturer exist, the points may be calculated by dividing the points at a predetermined ratio.
판별 단계(S403)에서 식별한 판매처 및 제조사와 관련된 금융 상품을 확인할 수 있다. 포인트 산정 단계(S404)는 판별 단계(S403)에서 판매처 또는 제조사와 관련된 금융 상품이 존재하는 경우 정해진 비율로 포인트를 분할하여 산정할 수 있다. 정해진 비율은 사용자가 구매한 특정 물품에 대한 지출 내역에 매칭되는 금융 상품에 대한 포인트를 결정할 수 있는 비율일 수 있다. 사용자는 하나의 상품을 구매할 때, 그 상품을 구매하는 판매처와 제조사에 대한 금융 상품이 각각 존재할 수 있다. 사용자가 하나의 상품을 구매할 때 판매처 또는 제조사에 대응되는 금융 상품이 각각 존재하는 경우 사용자가 구매한 상품인 구매 품목을 기준으로 판매처와 제조사에 각각 다른 비율로 포인트를 분할하여 산정할 수 있다. 판별 단계(S403)는 사용자가 구매한 하나의 상품에 대한 지출 내역에 대한 정보를 분석하여 판매처 또는 제조사를 확인할 수 있으며, 판매처 또는 제조사에 매칭되는 금융 상품이 각각 존재하는 경우, 포인트 산정 단계(S404)는 사용자가 구매한 하나의 상품의 판매처 또는 제조사에 해당하는 정해진 비율로 포인트를 산정할 수 있다.It is possible to check the financial products related to the seller and the manufacturer identified in the determination step (S403). In the point calculation step ( S404 ), if a financial product related to a seller or a manufacturer exists in the determination step ( S403 ), the points may be divided at a predetermined ratio and calculated. The predetermined ratio may be a ratio at which points for a financial product matching the expenditure details for a specific product purchased by the user can be determined. When a user purchases one product, financial products for a vendor and a manufacturer who purchase the product may exist, respectively. When the user purchases one product, if there are financial products corresponding to the vendor or the manufacturer, respectively, points may be divided and calculated by dividing the points at the vendor and the manufacturer at different ratios based on the purchased item, which is the product purchased by the user. In the determination step (S403), the seller or manufacturer can be identified by analyzing the information on the expenditure details for one product purchased by the user. ) can calculate points at a fixed rate corresponding to the seller or manufacturer of one product purchased by the user.
포인트 산정 단계(S404)는 상기 판매처 및 상기 제조사 모두 관련된 금융 상품이 존재하는 경우, 상기 사용자에게 상기 관련된 금융 상품 정보를 제공하고, 상기 사용자로부터 선택입력 받은 금융 상품에 대해 포인트를 산정할 수 있다.In the point calculation step (S404), when financial products related to both the seller and the manufacturer exist, the related financial product information is provided to the user, and points can be calculated for the financial products selected and inputted by the user.
판별 단계(S403)에서 식별한 판매처 및 제조사와 관련된 금융 상품을 확인할 수 있다. 포인트 산정 단계(S404)는 판별 단계(S403)에서 판매처 또는 제조사와 관련된 금융 상품이 존재하는 경우 사용자에게 판매처 또는 제조사와 관련된 금융 상품 정보를 제공할 수 있다. 사용자는 제공받은 판매처 또는 제조사와 관련된 금융 상품 각각에 대한 비율을 산정할 수 있으며, 포인트 산정 단계(S404)는 사용자가 금융 상품 각각에 대한 비율을 기초로 포인트를 분할하여 산정할 수 있다. It is possible to check the financial products related to the seller and the manufacturer identified in the determination step (S403). In the point calculation step ( S404 ), when a financial product related to the seller or manufacturer exists in the determination step ( S403 ), financial product information related to the seller or the manufacturer may be provided to the user. The user may calculate the ratio for each financial product related to the supplied vendor or manufacturer, and in the point calculation step S404, the user may divide and calculate the points based on the ratio for each financial product.
리워드 제공 단계(S450)는 리워드 제공부(150)에서 상기 포인트 정보 저장 단계(S401)에 저장된 상기 금융 상품 각각에 대응되는 포인트가 각각의 금융 상품의 최소 구매 단가 이상이 되는 경우, 해당 금융 상품을 상기 사용자의 투자계좌에 이체할 수 있다.In the reward providing step (S450), when the points corresponding to each of the financial products stored in the point information storage step (S401) in the reward providing unit 150 are equal to or greater than the minimum purchase unit price of each financial product, the corresponding financial product It can be transferred to the user's investment account.
리워드 제공 단계(S450)는 포인트 정보 저장 단계(S401)에 저장된 금융 상품 각각의 최소 구매 단가를 확인할 수 있으며, 포인트 정보 저장 단계(S401) 각각의 금융 상품에 대응되는 포인트가 각각의 금융 상품의 최소 구매 단가 이상이 되는 경우 해당 금융 상품을 해당 금융 상품의 포인트로 구매하여 사용자의 투자 계좌에 이체할 수 있다. 리워드 제공 단계(S450)는 포인트 정보 저장 단계(S401)에 저장된 각각의 금융 상품과 각각의 포인트 정보를 확인하고, 각각의 금융 상품에 해당하는 포인트 정보가 최소 단위의 단가 이상인 경우 리워드 제공 단계(S450)는 포인트로 해당 금융 상품을 구매하여 사용자의 투자계좌에 이체할 수 있다. 사용자가 지출을 많이 판매처 또는 제조사의 금융 상품을 자연스럽게 구매할 수 있다.In the reward providing step ( S450 ), the minimum purchase unit price of each financial product stored in the point information storage step ( S401 ) may be checked, and the point corresponding to each financial product in the point information storage step ( S401 ) is the minimum value of each financial product. If the purchase unit price is higher than the purchase unit price, the financial product can be purchased with points of the financial product and transferred to the user's investment account. The reward providing step (S450) checks each financial product and each point information stored in the point information storage step (S401), and when the point information corresponding to each financial product is equal to or greater than the minimum unit price, the reward providing step (S450) ) can be transferred to the user's investment account by purchasing the corresponding financial product with points. Users can naturally purchase financial products from vendors or manufacturers who spend a lot of money.
이와 같은, 포인트 제공 방법은 애플리케이션으로 구현되거나 다양한 컴퓨터 구성요소를 통하여 수행될 수 있는 프로그램 명령어의 형태로 구현되어 컴퓨터 판독 가능한 기록 매체에 기록될 수 있다. 상기 컴퓨터 판독 가능한 기록 매체는 프로그램 명령어, 데이터 파일, 데이터 구조 등을 단독으로 또는 조합하여 포함할 수 있다.Such a point providing method may be implemented as an application or implemented in the form of program instructions that may be executed through various computer components and recorded in a computer-readable recording medium. The computer-readable recording medium may include program instructions, data files, data structures, etc. alone or in combination.
상기 컴퓨터 판독 가능한 기록 매체에 기록되는 프로그램 명령어는 본 발명을 위하여 특별히 설계되고 구성된 것들이거니와 컴퓨터 소프트웨어 분야의 당업자에게 공지되어 사용 가능한 것일 수도 있다.The program instructions recorded in the computer-readable recording medium are specially designed and configured for the present invention, and may be known and available to those skilled in the computer software field.
컴퓨터 판독 가능한 기록 매체의 예에는, 하드 디스크, 플로피 디스크 및 자기 테이프와 같은 자기 매체, CDROM, DVD 와 같은 광기록 매체, 플롭티컬 디스크(floptical disk)와 같은 자기-광 매체(magneto-optical media), 및 ROM, RAM, 플래시 메모리 등과 같은 프로그램 명령어를 저장하고 수행하도록 특별히 구성된 하드웨어 장치가 포함된다.Examples of the computer-readable recording medium include hard disks, magnetic media such as floppy disks and magnetic tapes, optical recording media such as CDROM and DVD, and magneto-optical media such as floppy disks. , and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like.
프로그램 명령어의 예에는, 컴파일러에 의해 만들어지는 것과 같은 기계어 코드뿐만 아니라 인터프리터 등을 사용해서 컴퓨터에 의해서 실행될 수 있는 고급 언어 코드도 포함된다. 상기 하드웨어 장치는 본 발명에 따른 처리를 수행하기 위해 하나 이상의 소프트웨어 모듈로서 작동하도록 구성될 수 있으며, 그 역도 마찬가지이다.Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The hardware device may be configured to operate as one or more software modules for carrying out the processing according to the present invention, and vice versa.
이상에서는 실시예들을 참조하여 설명하였지만, 해당 기술 분야의 숙련된 당업자는 하기의 특허 청구범위에 기재된 본 발명의 사상 및 영역으로부터 벗어나지 않는 범위 내에서 본 발명을 다양하게 수정 및 변경시킬 수 있다.Although the above has been described with reference to the embodiments, those skilled in the art can variously modify and change the present invention within the scope without departing from the spirit and scope of the present invention described in the claims below.
본 발명은 포인트 제공 시스템 및 방법에 관한 것으로, 사용자별로 투자 가능한 금융 상품 각각에 대응되는 포인트 정보를 저장하는 포인트 정보 저장부, 사용자의 지출 내역을 수집하는 지출 내역 수집부, 상기 수집된 지출 내역 중 상기 투자 가능한 금융 상품에 매칭되는 지출 내역을 판별하는 판별부, 상기 판별의 결과에 기초하여, 상기 지출 내역에 매칭되는 금융 상품에 대한 포인트를 상기 수집된 지출 내역에 포함된 지출 금액을 근거로 결정하고, 상기 결정된 포인트를 상기 포인트 정보 저장부에 업데이트하는 포인트 산정부 및 상기 포인트 정보 저장부에 저장된 상기 금융 상품 각각에 대응되는 포인트가 각각의 금융 상품의 최소 구매 단가 이상이 되는 경우, 해당 금융 상품을 상기 사용자의 투자계좌에 이체하는 리워드 제공부를 포함하여 구성될 수 있다.The present invention relates to a point providing system and method, and a point information storage unit for storing point information corresponding to each financial product that can be invested by each user, a spending history collecting unit for collecting the user's expenditure details, and among the collected expenditure details A determination unit for determining expenditure details matching the investment possible financial products, based on a result of the determination, determining points for financial products matching the expenditure details based on the expenditure amount included in the collected expenditure details and a point calculation unit that updates the determined points to the point information storage unit and a point corresponding to each of the financial products stored in the point information storage unit is equal to or greater than the minimum purchase unit price of each financial product, the corresponding financial product may be configured to include a reward providing unit to transfer to the user's investment account.

Claims (11)

  1. 사용자별로 투자 가능한 금융 상품 각각에 대응되는 포인트 정보를 저장하는 포인트 정보 저장부;a point information storage unit for storing point information corresponding to each of the financial products that can be invested by each user;
    사용자의 지출 내역을 수집하는 지출 내역 수집부;Spending history collecting unit for collecting the user's expenditure history;
    상기 수집된 지출 내역 중 상기 투자 가능한 금융 상품에 매칭되는 지출 내역을 판별하는 판별부;a determination unit for determining expenditure details matching the investment possible financial products among the collected expenditure details;
    상기 판별의 결과에 기초하여, 상기 지출 내역에 매칭되는 금융 상품에 대한 포인트를 상기 수집된 지출 내역에 포함된 지출 금액을 근거로 결정하고, 상기 결정된 포인트를 상기 포인트 정보 저장부에 업데이트하는 포인트 산정부 및Based on the result of the determination, points for financial products matching the expenditure details are determined based on the expenditure amount included in the collected expenditure details, and the determined points are updated in the point information storage unit. government and
    상기 포인트 정보 저장부에 저장된 상기 금융 상품 각각에 대응되는 포인트가 각각의 금융 상품의 최소 구매 단가 이상이 되는 경우, 해당 금융 상품을 상기 사용자의 투자계좌에 이체하는 리워드 제공부When the points corresponding to each of the financial products stored in the point information storage unit are equal to or greater than the minimum purchase unit price of each financial product, a reward providing unit for transferring the corresponding financial product to the investment account of the user
    를 포함하는 포인트 제공 시스템.Point provision system that includes.
  2. 제1항에 있어서,According to claim 1,
    상기 판별부는the determining unit
    상기 지출 내역을 분석하여, 판매처 또는 제조사에 관한 정보를 확인하고, 상기 판매처 또는 제조사와 관련된 금융 상품을 식별하는 것Analyzing the expenditure details, confirming information about the seller or manufacturer, and identifying financial products related to the seller or manufacturer
    을 특징으로 하는 포인트 제공 시스템.Point providing system, characterized in that.
  3. 제2항에 있어서,3. The method of claim 2,
    상기 포인트 산정부는The point calculation unit
    상기 판매처 및 상기 제조사 모두 관련된 금융 상품이 존재하는 경우, 정해진 비율로 포인트를 분할하여 산정하는 것If there is a financial product related to both the seller and the manufacturer, dividing the points by a predetermined ratio and calculating
    을 특징으로 하는 포인트 제공 시스템.Point providing system, characterized in that.
  4. 제2항에 있어서,3. The method of claim 2,
    상기 포인트 산정부는The point calculation unit
    상기 판매처 및 상기 제조사 모두 관련된 금융 상품이 존재하는 경우, 상기 사용자에게 상기 관련된 금융 상품 정보를 제공하고, 상기 사용자로부터 선택입력 받은 금융 상품에 대해 포인트를 산정하는 것When a financial product related to both the seller and the manufacturer exists, providing the related financial product information to the user and calculating points for the financial product selected and inputted by the user
    을 특징으로 하는 포인트 제공 시스템.Point providing system, characterized in that.
  5. 제1항에 있어서,According to claim 1,
    상기 지출 내역 수집부는The expenditure history collection unit
    상기 사용자의 결제 명령 또는 상기 결제 명령에 대응되는 결제 처리 결과를 수신하고, 수신된 결제 명령 또는 상기 결제 처리 결과를 분석하여 지출 내역을 수집하는 것receiving the payment command of the user or a payment processing result corresponding to the payment command, and analyzing the received payment command or the payment processing result to collect expenditure details
    을 특징으로 하는 포인트 제공 시스템.Point providing system, characterized in that.
  6. 중앙처리장치 및 메모리를 구비하는 포인트 제공 시스템에서 포인트를 제공하는 방법에 있어서,A method for providing points in a point providing system having a central processing unit and a memory, the method comprising:
    사용자별로 투자 가능한 금융 상품 각각에 대응되는 포인트 정보를 저장하는 포인트 정보 저장 단계;a point information storage step of storing point information corresponding to each investmentable financial product for each user;
    사용자의 지출 내역을 수집하는 지출 내역 수집 단계;Spending history collecting step of collecting the user's spending history;
    상기 수집된 지출 내역 중 상기 투자 가능한 금융 상품에 매칭되는 지출 내역을 판별하는 판별 단계;a determining step of determining expenditure details matching the investment possible financial products among the collected expenditure details;
    상기 판별의 결과에 기초하여, 상기 지출 내역에 매칭되는 금융 상품에 대한 포인트를 상기 수집된 지출 내역에 포함된 지출 금액을 근거로 결정하고, 상기 결정된 포인트를 상기 포인트 정보 저장부에 업데이트하는 포인트 산정 단계 및Based on the result of the determination, points for a financial product matching the expenditure details are determined based on the expenditure amount included in the collected expenditure details, and the determined points are updated in the point information storage unit. step and
    상기 포인트 정보 저장부에 저장된 상기 금융 상품 각각에 대응되는 포인트가 각각의 금융 상품의 최소 구매 단가 이상이 되는 경우, 해당 금융 상품을 상기 사용자의 투자계좌에 이체하는 리워드 제공 단계When the points corresponding to each of the financial products stored in the point information storage unit exceed the minimum purchase unit price of each financial product, the reward providing step of transferring the corresponding financial product to the investment account of the user
    를 포함하는 포인트 제공 방법.How to give points, including.
  7. 제6항에 있어서,7. The method of claim 6,
    상기 판별 단계는The determination step is
    상기 지출 내역을 분석하여, 판매처 또는 제조사에 관한 정보를 확인하고, 상기 판매처 또는 제조사와 관련된 금융 상품을 식별하는 것Analyzing the expenditure details, confirming information about the seller or manufacturer, and identifying financial products related to the seller or manufacturer
    을 특징으로 하는 포인트 제공 방법.A method of providing points, characterized in that
  8. 제7항에 있어서,8. The method of claim 7,
    상기 포인트 산정 단계는The point calculation step is
    상기 판매처 및 상기 제조사 모두 관련된 금융 상품이 존재하는 경우, 정해진 비율로 포인트를 분할하여 산정하는 것If there is a financial product related to both the seller and the manufacturer, dividing the points by a predetermined ratio and calculating
    을 특징으로 하는 포인트 제공 방법.A method of providing points, characterized in that
  9. 제7항에 있어서,8. The method of claim 7,
    상기 포인트 산정 단계는The point calculation step is
    상기 판매처 및 상기 제조사 모두 관련된 금융 상품이 존재하는 경우, 상기 사용자에게 상기 관련된 금융 상품 정보를 제공하고, 상기 사용자로부터 선택입력 받은 금융 상품에 대해 포인트를 산정하는 것If there is a financial product related to both the seller and the manufacturer, providing the related financial product information to the user and calculating points for the financial product selected and inputted by the user
    을 특징으로 하는 포인트 제공 방법.A method of providing points, characterized in that
  10. 제6항에 있어서,7. The method of claim 6,
    상기 지출 내역 수집 단계는The step of collecting the expenditure details is
    상기 사용자의 결제 명령 또는 상기 결제 명령에 대응되는 결제 처리 결과를 수신하고, 수신된 결제 명령 또는 상기 결제 처리 결과를 분석하여 지출 내역을 수집하는 것receiving the payment command of the user or a payment processing result corresponding to the payment command, and analyzing the received payment command or the payment processing result to collect expenditure details
    을 특징으로 하는 포인트 제공 방법.A method of providing points, characterized in that
  11. 제6항 내지 제10항 중 어느 한 항의 방법을 컴퓨터가 실행하도록 기능시키기 위한 프로그램이 기록된 컴퓨터로 읽을 수 있는 기록매체.A computer-readable recording medium in which a program for causing a computer to execute the method of any one of claims 6 to 10 is recorded.
PCT/KR2021/017753 2020-11-30 2021-11-29 Point provision system and method WO2022114889A1 (en)

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KR20200164546 2020-11-30
KR10-2020-0164546 2020-11-30
KR1020210165472A KR20220076354A (en) 2020-11-30 2021-11-26 A Reward Point Providing System and Method therefor
KR10-2021-0165472 2021-11-26

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Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20060085565A (en) * 2005-01-24 2006-07-27 도이치투자신탁운용주식회사 System and method for managing indirect-investment-type financial product connected to the use of card
KR20080104398A (en) * 2007-01-19 2008-12-03 유석호 System for furnishing information caused by propensity to consume to client terminal and method of the same
JP2012243293A (en) * 2011-05-16 2012-12-10 Hiromi Odagiri Consumer and seller mutual direct investment type company currency issuance and distribution system
KR20160120883A (en) * 2015-04-09 2016-10-19 오윤영 Method for intermediating a reserved fund investment linked with merchandise and system for performing the same
KR20180093527A (en) * 2017-02-14 2018-08-22 김동균 System and method for investing using point

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20060085565A (en) * 2005-01-24 2006-07-27 도이치투자신탁운용주식회사 System and method for managing indirect-investment-type financial product connected to the use of card
KR20080104398A (en) * 2007-01-19 2008-12-03 유석호 System for furnishing information caused by propensity to consume to client terminal and method of the same
JP2012243293A (en) * 2011-05-16 2012-12-10 Hiromi Odagiri Consumer and seller mutual direct investment type company currency issuance and distribution system
KR20160120883A (en) * 2015-04-09 2016-10-19 오윤영 Method for intermediating a reserved fund investment linked with merchandise and system for performing the same
KR20180093527A (en) * 2017-02-14 2018-08-22 김동균 System and method for investing using point

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