KR20100106835A - The system and method for registering members using card points - Google Patents

Abstract

The present invention relates to a membership member service system and a method using the first point, and more particularly, to be registered as a membership member by paying a part of the product value of the service desired by the member using the first point of the card company. Cash or credit card payments can be made only for the balance excluding the amount paid in points, thereby reducing the actual financial burden of members and securing stable operating funds, which can lead to the activation of the service market by improving the reliability of the premature service market. To the membership member service system and method using the preemptive point,

The membership member service method using the first point according to the present invention receives a membership request signal from the terminal and registers as a member, and when a point use agreement is created from the registered member terminal, the prepared agreement is submitted to the credit card company. The subscription step of receiving notification of the available point amount and receiving the selected product information from the member terminal and the point and user information settled according to the selected product and storing it in the business survey DB, and the point information paid by the registered member in the registration step is It is sent to the card company system by the inspection system, and the commercial investigation system receives the point conversion amount receiving the conversion amount corresponding to the paid point from the card company system, and subsequently makes payment according to the pre-existing product information selected by the registered member in the joining step. Store product balance information on the balance And checking whether the product request information regarding the product request is received from the member terminal, determining the balance payment information and the premature product information regarding the product to be provided, and storing and completing the transaction. do.

Description

System and Method for Registering Members using Card points}

The present invention relates to a membership membership system and method using points, and in detail, a portion of the product value of the service desired by the member is registered as a membership member by paying by using a prepaid point of a card company. Cash or credit card payments can be made only for the balance excluding the amount paid in order to reduce the actual financial burden of members and secure stable operating funds, thereby enhancing the reliability of the premature service market and inducing the activation of the service market. It relates to a membership member service system and method using the first point.

In general, a premature company such as a premise service agency attracts members to customers and receives a monthly fee, and the premise service is performed by acting on the service related to the pre wedding service according to the request for the service of the pre wedding service.

The system of a premise company, such as a conventional premise service agency, promises that a member receive a preliminary service worth 3.6 million won, and a certain amount of monthly fee, for example, a monthly fee of 3 million won for 10 years at 30,000 won per month. If one member of the member's family dies in full, the member asks for the funeral service to the funeral service agency, and upon request, the funeral service agency will be responsible for the It is a method of providing related service services. In addition, a member who has agreed to pay a monthly fee of 3.6 million won for 10 years at 30,000 won each month and provide support services worth 3.6 million won does not pay the dues to a support service agency, for example, 5 million won for 5 years. If one member of a member's family dies and the member requests funeral service from a mutual support agent, the mutual help agency will provide a funeral service for the amount of funeral contract amounting to the member of the 360 million won. The company is operating in such a way that the company pays the remaining membership fee of 1.8 million won unpaid from the member.

Here, the system of the conventional mutual service agent is not reliable because the operation and provision of the mutual service is made by the small and medium companies, and the competition of the mutual service service provider is bankrupt or deliberately defaulted due to the competition of the small mutual service agent. In case of payment, the member who paid the membership fee to the mutual support agent is not likely to receive the mutual support service, which is likely to cause financial damage.

In addition, the amount of the mutual benefit product to be provided with the mutual benefit service is divided into a certain amount every month for several years, and if a member requests the mutual benefit service in accordance with the occurrence of a later investigation, the mutual benefit service corresponding to the amount of the mutual benefit product selected by the member is provided. However, there is a problem that the burden on the member is further increased because the amount of the counterfeit goods is expensive and the burden on the member is large, and the above-mentioned counterfeit service agency is likely to go bankrupt.

In addition, the member's financial burden is further increased due to poor premature services, which are not provided with the services of the premature products introduced when the member joins the premature products, as prices change. There is a problem that inhibits the activation of the premise service industry by raising distrust of the companies.

The present invention has been made to solve the above-mentioned conventional problems, the present invention by using a pre-point provided by the credit card company to pay a portion of the amount of premature commodity, and in the event of further economic contingency only cash or card balance As it is possible to make payments, it is possible to reduce the financial burden of members and to provide additional products to the member's pre-registered products, thereby improving the member's satisfaction. It aims to provide the method.

Another object of the present invention is to use the points of the card to effectively use points that are automatically extinguished after a certain period of time, and because the accumulated points are used, there is no real money transaction, even if the bankruptcy of the ancestral company, the member is financially damaged. Its purpose is to provide a membership membership system and method using the points.

Another object of the present invention is to pay a portion of the amount of premature products that can not be easily purchased due to financial burden by using a pre-point instead of cash and to pay the remaining balance when using the premature products in the future, so that the general public can easily join It is possible to secure a large number of customers and use the card company's preemptive points, so the card company also uses the membership membership system that utilizes the points to get a win-win effect that can attract new members in addition to the existing members. It is an object to provide a method.

Another object of the present invention is that the points paid by the member can be converted into cash from the card company to attract the company's funds, so it is possible to secure stable working capital and contribute to the improvement of the member's satisfaction. It is an object of the present invention to provide a membership membership system and method using points that can prevent defaults and dispel distrust of the use of the mutual aid service market.

The present invention includes the following embodiments in order to achieve the above object.

According to an embodiment of the present invention, the membership member service method using the first point according to the present invention receives a membership request signal from a terminal and registers as a member, and when a point use agreement is created from a member terminal registered as a member A subscription step of submitting the prepared agreement to a credit card company to receive the available point amount and receiving the selected product information from the member terminal and the settled point and user information according to the selected product, and storing it in the research database;

The point information received by the registered member in the signing up step is transmitted to the card company system by the business investigation system, and the business investigation system receives a point conversion amount receiving step of receiving a conversion amount corresponding to the paid point from the card company system;

Store the product balance information on the balance to be paid in the future according to the pre-existing product information selected by the registered member in the joining step, and checks whether the product request information about the product request has been received from the member terminal to the balance payment information and the product to be provided. And a step of providing a premise service for determining and storing the premise product information related to the transaction and completing the transaction.

According to another embodiment of the present invention, in the membership member service method using the preemptive point according to the present invention, the joining step is performed by the terminal in the subscription module that controls the matters related to membership registration and registration of the premature products of registered members as a whole. Receiving the registration request signal and personal information received as a member to register as a member, and receiving and storing the product selection information and point usage information about the premise products from the member terminal registered as a member, the member registration step, It characterized in that it comprises a product selection step, point confirmation step and point payment step.

According to another embodiment of the present invention, in the membership member service method using the first point according to the present invention, the point checking step is to determine whether or not to use the registered member's points in the card company system linked to the commercial investigation system In this case, the commercial investigation system transmits the point usage information received from the member terminal to the card company system, and receives and stores available point information available for the registered member from the card company system. It is characterized in that it comprises a writing step, the first point use determination step, the existing earned point payment step, new member sign-up step, the first point use agreement creation step, the first point payment step.

According to another embodiment of the present invention, in the membership member service method using the first point according to the present invention, the first point use agreement creation step is to associate a partial amount of the first product with the commercial investigation system when purchasing the first product In the stage of making an agreement to pay with the points of the card company system, the new member does not have the accumulated points, so the new company makes an agreement to receive the points from the card company in advance. The information stored and stored in the investigation database by the point use agreement module is transmitted to the card company DB and is stored.

According to another embodiment of the present invention, in the membership member service method using the first point according to the present invention, the point payment step is a premise that the registered member is received by the product selection module of the commercial investigation system through the member terminal According to the product information, a part of the premature commodity price is a step of paying a part of the premise commodity price with the points received in the point checking step.

According to another embodiment of the present invention, in the membership member service method using the first point according to the present invention, the step of providing the premise service is a matter regarding the premise product information to be provided regarding the premise product to be provided to the registered member as a whole. A step performed by the premise service providing module for controlling a step of determining and storing premise product information to be provided on the premise product to be provided from the product request information received from the member terminal to the investigation server, and completing the transaction. , Product offering request judging step, balance payment step, commitment product providing step.

According to another embodiment of the present invention, in the membership member service method using the first point according to the present invention, the balance payment step may be related to the remaining balance except the amount paid by the first point according to the mutual aid selected by the registered member. The payment module that controls the matters provides and saves the balance payment information on the balance included in the product selection information to registered members subscribed to the premise service system, and receives the preliminary product request information regarding the premise product request from the member terminal. It is a step of checking whether or not, characterized in that it comprises a balance payment determination step, the balance monthly payment payment step, the balance payment monthly difference determination step.

According to another embodiment of the present invention, in the membership member service method using the first point according to the present invention, the balance monthly payment step is when the balance is not paid in the balance payment determination step, the balance payment The module requests the registered member to pay the remaining monthly payments that have not been paid in the module temporarily or in a divided manner, and confirms whether the balance has been paid and paid, and stores the mutually provided product providing information for the committed mutual aid product. .

According to another embodiment of the present invention, in the membership member service method using the first point according to the present invention, the balance payment monthly determination step may be received information that divides and pays the balance to the registered member through the member terminal. In the case of determining the balance monthly payment module, the balance may be fully paid by determining whether the monthly payment of the balance is properly performed within the selected payment period from the registered member.

According to still another embodiment of the present invention, in the membership member service system using the first point according to the present invention, the member request signal for membership and the selected mutual aid information, point information and balance information Member terminal for transmitting and receiving;

An investigation system including an investigation server and an investigation database DB for storing and registering information on the counterfeit goods, points related information, and balance payment selected by the registered member received from the KHNP terminal through online connection with the member terminal. and;

It is characterized in that it comprises a card company system including a card company server and a card DB for storing and registering to transmit and receive the relevant information connected to the forger system and online.

According to another embodiment of the present invention, in the membership member service system using the first point according to the present invention, the business investigation server receives a member registration request signal and personal information from a terminal and registers as a member. Providing point use information and usable point information and premature product information to a member terminal, receiving selected premise product information from the member terminal, storing and registering the information in the survey database, and registering member modules to implement such functions. A subscription module including a product selection module, a premise product payment method providing module, and a point use agreement module;

The information regarding the point payment amount is provided to the member terminal by providing information on payment of the amount of the above-listed product selected from the product selection information registered in the subscription module, and replacing the amount to be paid at the time of subscription to the card point. It is provided to the card company system (4), the information on the balance is provided to the member terminal after checking whether the request information of the counterfeit goods from the member terminal, the point payment module, balance payment module (3122), monthly payment module, goods A payment module including a provision determination module;

Controls the matters related to the pre-existing merchandise information to be provided to the registered member.If the point payment module receives the first point usage information from the member terminal, the card company system provides information on the use of the points and converts the cash according to the paid points. After confirming the amount information received by the user in the product providing decision module after receiving the request information from the member terminal in the future, it is determined to provide the information to the member terminal to provide to the registered member provided to the member terminal, such a provision In order to implement such a function to store the premise product information in the above-mentioned investigation database, which will be described below, and to complete a transaction, a point conversion amount receiving module, a balance payment determining module, a balance settlement module, a contract offering product providing module, and a monthly payment determining module And a mutual service providing module including an additional product providing module; Characterized in that it comprises a.

According to another embodiment of the present invention, in the membership member service system using the first point according to the present invention, the points use agreement module uses the points of credit cards or various membership point cards for the amount of premature goods. Receive the point use agreement information manipulated from the registered member by the agreement from the member terminal to store in the business investigation DB, the point use agreement information stored in the business investigation DB 32 is provided to the card company system do.

According to another embodiment of the present invention, in the membership member service system using the first point according to the present invention, the point payment module is a premature product information about the selected pre-existing product with the available point information received from the card company system Received from the member terminal by storing the payment preemptive point and premature product information in the business database DB and registered so that registered members can be provided with a premature product without the burden of payment because no substantial money is required at the time of initial registration. It features.

According to another embodiment of the present invention, in the membership member service system using the first point according to the present invention, the point conversion amount receiving module will be described later point information used by the registered member in accordance with the mutually selected product from the premature member terminal The card company system is to be transmitted to the card company system is characterized in that the point corresponding to the cash equivalents converted into cash back information to the merchant system to be stored and registered in the merchant database DB.

According to another embodiment of the present invention, in the membership member service system using the first point according to the present invention, the card company server is connected to the online research system through the online system to send and receive various information related to the use of points, such The information is stored in the card company DB,

Receive information on the use of points from the survey server of the commercial survey system to check whether the card company is an existing member or a new member, and in the case of the existing member to determine the existence of the points accumulated by the point module to be described later. On the other hand, if it is not an existing member, the card subscription module for registering as a new subscription and storing the member information received from the business investigation server in the card company DB;

Prepaid points that can be used when it is determined to be a new member in the card subscription module, and the preemptive points used are credited by storing the information settled in the card company DB using the points accumulated according to the credit card usage performance. A module;

A point module for storing the points accumulated by the card member according to the use result in the card fee settlement module in the card company DB;

 If the registered member's point use agreement information is received from the business investigation server, the existing member of the card is checked to determine how many points can be used in the case of an existing member, and in the case of a new subscriber, the first point can be used. A point payment module for paying a certain point to inform the operator of the commercial survey system of the available points, and storing the information regarding the payment of the points in the card company DB which will be described below;

 Receiving the information on the points used by the registered member from the merchant survey server received point conversion amount payment module for storing the information of the amount converted into cash in accordance with the card company's standards in the card company DB; .

According to another embodiment of the present invention, in the membership member service system using the preemptive point according to the present invention, the business survey DB is a variety of information derived by sending and receiving through a member terminal, business research server and card company system online Is stored to enable retrieval as needed, and includes a member information storage DB, a product information storage DB, a premature amount payment information storage DB, a point information storage DB and a premature product information storage DB to be provided,

The card company DB is a database that stores a variety of information transmitted and received by the merchant system and the card company server online, characterized in that it comprises a member information storage DB, point information storage DB, point conversion payment information storage DB do.

The present invention can achieve the following effects by the above-described configuration, method and embodiment.

The present invention can use the first point provided by the credit card company to pay a portion of the amount of premature goods, and when the next occurrence of the contingency can be cash or card payment only the balance of the amount of premature goods can reduce the financial burden of the member and the member joins By providing an additional product to a premature product, the satisfaction of members can be improved, thereby promoting the activation of the premise service market.

Another object of the present invention is to use the points of the card to effectively use points that are automatically extinguished after a certain period of time, and because the accumulated points are used, there is no real money transaction, even if the bankruptcy of the ancestral company, the member is financially damaged. Has no effect.

Another object of the present invention is to pay a portion of the amount of premature products that can not be easily purchased due to financial burden by using a pre-point instead of cash and to pay the remaining balance when using the premature products in the future, so that the general public can easily join It is possible to secure a large number of customers, and because the card company's first point is used, the card company can also obtain a win-win effect that can attract new members in addition to existing members.

Another object of the present invention is that the points paid by the member can be converted into cash from the card company to attract the company's funds, so it is possible to secure stable working capital and contribute to the improvement of the member's satisfaction. By preventing bankruptcy, it is possible to dispel distrust of the use of the mutual service market.

Hereinafter, with reference to the accompanying drawings, a preferred embodiment of the membership membership system and method using the points according to the present invention will be described in detail.

1 is a block diagram showing a membership subscription system using points according to the present invention, Figure 2 is a detailed block diagram of the research server of the membership subscription system using points according to the present invention.

1 and 2, the membership registration system 1 utilizing the points according to the present invention includes a member terminal 2, an investigation system (3), a card company system (4), the member terminal (2) and the mutual investigation system (3) are connected online to transmit and receive various information related to the mutual product, and the card company system (4) associated with the commercial investigation system (3) transmits and receives the point related information and the mutual product Points that can reduce the actual financial burden of members by paying a portion of the amount in points and paying the remaining balance as cash, card or credit card (including various memberships / reward cards) when using premature products in the event of an economic downturn. It is about the membership membership system 1 utilized.

The member terminal 2 is interconnected with the business investigation system 3 to be described later through online, and transmits a member registration request signal to the business investigation system 3 to provide the mutual investigation system 3 provided. After selecting the premature products to join among the product information, the product selection information and personal information are transmitted, and thus, registered as a membership member. In addition, the member registered through the member terminal (2) transmits and receives from the merchant investigation system (3) various types of payment information and payment information that can be used to pay a portion of the amount of mutual aid products and additionally provided discount products, In the case where the product offering request is sent from the member terminal 2 in the future, if the product providing request is sent from the member terminal 2, the trading system 3 provides the balance payment information and the information of the supporting product to be provided to the member terminal 2 to perform a transaction. To complete.

The investigation system 3 is connected to the member terminal 2 and the card company system 4 to be described later through the online investigation server 31 for transmitting and receiving various information, and various information derived in the transmission and reception process It includes a search database DB (32) for storing.

The merchant investigation server 31 is connected to the member terminal 2 via online and the point usage information for the point payment and the balance payment from the premature product information on the premature product selected by the registered member received from the member terminal 2 Register the information, and transmit and receive the point agreement information received from the member terminal 2 via the card company system 4 to be described later online to register the point utilization information, and the information derived in this process will be described below. Stored in the business survey DB 32, and includes a subscription module 311, a payment module 312 and the service providing module 313.

The subscription module 311 receives a member registration request signal and personal information from a terminal and registers as a member, and provides the registered member terminal 2 with premature product information, point usage agreement information, and usable point information. Receives the selected product information from the terminal (2), and stores and registers in the above-mentioned investigation database 32, and to implement this function, the member registration module (3111), product selection module (3112), premature product settlement A method providing module 3113 and a point use agreement module 3114.

The member registration module 3111 registers a member with personal information such as a name, ID, address, telephone number, etc. together with a member registration request signal received from the member terminal 2, and the personal information is stored in the commercial investigation DB 32. Save it.

The product selection module 3112 provides premature product information to the member terminal 2, and registers and stores the premature product information received from the member terminal 2 in the research database DB 32. In addition, the information on the premise product includes information on the premise product price and the contract premise product provided according to the premise product price. For example, the above-mentioned merchandise has an amount of about 2.4 million won or 360 million won, and depending on the amount of the merchandise, the type of merchandise is different, and items such as caskets, veterinary clothing, mourning clothes, altars, etc. It is desirable to include information on contractual premise products made up of expert services.

The premise product settlement method providing module 3113 is a payment method that is made at the time of purchase of the premise product, divided into a big plan membership member and a general premise product member, and provides the settlement method accordingly to the member terminal 2 and operated from a registered member. Information is received from the member terminal (2) and stored in the business survey DB (32). On the other hand, the Big Plan membership member is a method of making two payments at the time of initial subscription and the request for a premature product, and the general premature product member can pay a certain amount monthly for a certain period, for example, Make a payment by dividing the amount 80 times or 120 times.

The point use agreement module 3114 promises to use points of a credit card (including various membership / reward cards) for the amount of premature goods, and provides the point use agreement information manipulated from registered members from the member terminal 2. Received and stored in the above investigation DB 32, the point usage agreement information stored in the above investigation DB 32 is provided to the card company system 4 to be described later.

The payment module 312 provides the member terminal 2 with information on payment of the amount of the counterfeit goods selected from the product selection information registered in the subscription module 311, and replaces the amount settled at the time of the survey with card points. In the case of making a payment, information about the point payment amount is provided to the card company system 4 to be described later, and the information about the balance is confirmed to the member terminal 2 after confirming whether the counterfeit product request information has been received from the member terminal 2. to provide. In addition, the payment module 312 includes a point payment module 3121, a balance payment module 3122, a monthly payment payment module 3123, a product providing determination module 3124.

The point payment module 3121 receives points of the first and second products which are settled upon membership registration when the first and second products are received from the member terminal 2 with respect to the first and second products, which are selected with the available point information received from the card company system 4. The information is stored and registered in the business survey DB 32. Therefore, registered members will be replaced with points at the time of initial sign-up, so no actual money is required, so you can be provided with premature products without burdening the initial sign-up fee. In addition, the amount settled at the time of initial membership is differentiated into 600,000 won, 700,000 won, 850,000 won, 950,000 won so that the registered member can use the points that can be used.

The balance payment module 3122 is a member of the product selection information received through the member terminal 2 in the subscription module 311, if selected as a big flam membership member, the information on the remaining amount paid by the point at the time of membership registration and the member terminal (2) and if a request for providing a counterfeit product is received later from the member terminal (2), the member terminal (2) is requested to pay the balance again, and the payment of the balance is confirmed from the member terminal (2). Stored in the DB (32). For example, when the actual amount of money generated after making a payment using points that can be used by registered members among the 600,000, 700,000, 850,000, and 950,000 won in the premise product of 360 million won, Cash or credit card payments can reduce the economic burden on the average consumer.

When the monthly payment module 3123 selects a general premature product member among the product selection information received through the member terminal 2 in the subscription module 311, the monthly payment module 3123 receives information about the monthly payment and the payment cycle. ) And at the same time it is stored in the upper investigation database (32). For example, if the monthly payment is 30,000 won according to the product amount selected by the registered member among the product amount of 2.4 million won and 3.6 million won, the payment interval may be divided into 80 times or 120 times. However, the monthly payment amount and product amount can be changed according to the market environment and the company's business environment.

The product providing judgment module 3124 checks whether the request for the premature product request is received from the member terminal 2 according to the congratulation occurred to the registered member, and determines whether to provide the prevalent product to the registered member according to the request for the premise product. In this case, the balance payment module 3122 and the monthly payment module 3123 check whether the amount of the counterfeit goods provided is fully paid.

The premise service providing module 313 controls the matters related to the premise product information to be provided to the registered member as a whole, and when the point use information is received from the member terminal 2 in the point payment module 3121, the card company system will be described later. (4) provide information on the use of the point and check the amount of money received by converting cash according to the points paid, and if the product request information is received later from the member terminal (2) the product providing judgment module (3124) ) Determines the premise product information to be provided to the registered member and provides it to the member terminal (2), and stores the premise product information in the commercial investigation DB 32 to be described below and complete the transaction. In order to implement such a function, the premise service providing module 313 includes a point conversion amount receiving module 3131, a balance payment determining module 3132, a balance settlement module 3133, a contractual offering product providing module 3134, and a payment month The determination module 3135 and the additional product providing module 3136 are included.

The point converting amount receiving module 3131 transmits the point information used by the registered member to the card company system 4 to be described later when the member is a big plan membership member among the selected products from the premise member terminal 2 and the card company system ( In 4), the corresponding point is converted into cash and the information on the converted amount is transmitted to the research system 3 again and stored in the research database DB 32.

The balance payment determination module 3132 determines whether the remaining balance is fully paid, except for the points used by the registered member registered as a big plan membership member, when the counterfeit product request information is received from the member terminal 2.

The balance payment module 3133, if it is determined that the balance for the premature goods promised by the balance determination module 3132 has not been paid in full, balance payment request information requesting to pay the outstanding balance until the payment period. The commercial investigation DB to be provided to the member terminal (2), and check the balance payment information received from the member terminal (2), whether the balance is fully paid, and provide the information on the provision of the premise product for the contracted product. Stored in (32) and provided to the member terminal (2) to complete the transaction. At this time, the balance payment is executed when the actual mutual service is required, and it is possible to make a temporary or partial payment by paying cash or a card or replacing it with points of a card company (including various membership / loyalty cards). To reduce the

If the contract product providing module 3134 determines that the balance for the premature goods promised in the balance determination module 3132 is fully paid, the preliminary investigation will be described below. The transaction is completed in the DB 32 and provided to the member terminal 2 to complete the transaction. When the balance is partially paid, the balance is divided by the payment monthly judging module 3135, which will be provided later, but will provide a premature product. Make payment.

The monthly payment judgment module 3135 determines whether the monthly payment is different depending on the type of the product. In the big plan membership subscription product, when the balance is determined in the balance payment module 3133, the balance is not 2 ~ 2 ~ Extend the payment period up to 10 months to check the balance payment monthly information on the number of monthly payments paid by registered members so that the balance can be paid in full. In accordance with the confirmation whether the payment is normally stored in the investigation database (32). In this case, the predetermined monthly payment can be paid by replacing the credit point amount of credit cards (including various membership / point cards). On the other hand, it is preferable to set a predetermined month in consideration of the operating profit of the person operating the above-mentioned investigation system (3).

The additional product providing module 3136 provides insurance benefits and travel, leisure, national hotels, condominiums, and health check discounts only for registered members, which are provided at the subscriber's option. The additional product providing information is stored in the business survey DB 32 which will be described below. In addition, when using additional products, such as insurance, it is desirable to be divided into three years and five years depending on the contracted product type, which is various discounts in addition to the premeditated products promised to registered members until the request for premature products is received. By providing additional products that provide services, it is possible to reduce the actual financial burden of registered members and to provide mutual aid services that satisfy registered members.

3 is a block diagram of a commercial survey DB of a membership membership system using points according to the present invention.

Referring to Figure 3, the business investigation DB 32 is a member terminal (2) and the business investigation server 31 and the card company system (4) to be described later is transmitted and received through the online and various information is stored as necessary To search according to the member information storage DB 321, premature product information storage DB 322, premature amount payment information storage DB 323, point information storage DB 324 and premature product information storage DB to be provided ( 325).

The member information storage DB 321 is to store the personal information received with the membership request signal from the terminal, including the name, ID, address, telephone number, fax number, e-mail address, etc. of the person applying for membership registration. It is desirable that personal information be stored.

The premature product information storage DB 322 receives and stores information about the premature product selected from among the premature product information provided to the member terminal 2 through the member terminal 2.

The premature amount payment information storage DB 323 provides information on the amount of payment and the period of payment which are differentiated according to the premature product selected by the registered member from the product selection information, and the payment information about the monthly payment and the full payment of the amount to be registered by the registered member. Is stored.

The point information storage DB 324 transmits the information on the point usage agreement received from the member terminal 2 to the card company system 4 to be described later, and then receives the point information available from the card company system 4. By transmitting to the member terminal 2, information regarding the available points and pre-point payment amount of the registered member is stored. On the other hand, the points are not limited to the points of the associated card company, but can be paid for the amount of the mutual aid product using the points accumulated in the membership card or merchants' points card issued by the merchant.

The premise product information storage DB 325 to be provided includes premature product information to be provided on a premise product to be provided to a registered member determined by the premise service providing module 313 from the product request information received from the member terminal 2. Stored.

1 and 4, the card company system (4) is connected to the online investigation system (3) through a card company that transmits and receives a variety of information related to the point of confirmation, payment of point conversion and member information management of registered members The server 41 and the card company DB 42 for storing the information derived in this process.

The card company server 41 is connected to the online investigation system 3 through online to transmit and receive various information related to the use of points, and stores this information in the card company DB 42 to be described later, card subscription module 411 It includes a card payment module 412, a point module 413 and a point payment module 414, a point conversion liquid payment module 415.

The card subscription module 411 receives information on the use of points from the business investigation server 31 of the business investigation system 3 and checks whether the card member is an existing member or a new member, and in the case of an existing member, it will be described later. While it will be determined whether there is a point accumulated by the point module 413 to be, if not an existing member, join as a new subscription and according to the member information received from the survey server 31 will be described below. The card company DB 42 is stored.

The card fee payment module 412 converts a portion of the amount of money into points according to the credit card usage records used by the member and stores the portion in the card company DB 42.

The point module 413 adds the points earned by the card member according to the usage results in the card fee payment module 412 and stores them in the card company DB 42. In the case of an existing member of the card company, the existing points accumulated are added to the card company DB 42, and in the case of a new member, information about a certain point is stored in the card company DB 42 so that the first point can be used.

The point payment module 414 checks whether the existing member of the card member when the point use agreement information of the registered member is received from the business investigation server 31 and determines how many points can be used in the case of the existing member. In the case of a new subscriber, the card company DB will be described below by providing a certain point to use the first point to inform the operator of the commercial investigation system 3 of the available point, and the information about the payment of the point. Store at 42.

When the point conversion amount payment module 415 receives the information on the points used by the registered member from the business investigation server 31, the received points are converted into cash according to the card company's standard and the information of the converted amount is converted into the card company DB ( 42).

Figure 4 is a block diagram of the card company DB of the membership membership system utilizing the points according to the present invention.

1, 2 and 4, the card company DB 42 is a DB that stores the various information to be transmitted and received through the online investigation system 3 and the card company server 41 online, the member information storage DB 421, point information storage DB 422, and point conversion payment information storage DB (423).

The member information storage DB 421 is a member information received from the business investigation server 31 in the card subscription module 411 is stored, the individual, such as the name, ID, address, telephone number of the person applying for membership registration It is preferable that the information is stored.

The point information storage DB 422 includes information on the points accumulated in the point module 413, information on the pre-points available to the registered member when purchasing a pre-existing product, and information on cash points to be paid to the commercial investigation. The DB is stored, in this case, the point information preferably includes points, payment method of payment of the amount of pre-point used when purchasing premature products, point payment amount payment.

The point conversion payment payment information storage DB 423 receives information on the points used by the registered member from the merchant investigation server 31, the received point information is the amount corresponding to the use point in the point conversion payment module 415 Point conversion payment information is received and stored so that it can be converted and paid for.

Hereinafter, with reference to the accompanying drawings, a preferred embodiment of a point payment method using a mutual aid service system associated with a card company according to an embodiment of the present invention.

FIG. 5 is a flowchart illustrating a membership member subscription service method using points according to the present invention, and FIG. 6 is a flowchart illustrating an available point determination step of a member subscription service method using points according to the present invention.

1, 2 and 5 to 6, the method of using the point of service according to another embodiment of the present invention using the method of using the service of the mutual aid 1 associated with the card company described above, By using the member terminal (2) and the business investigation system (3) and the business investigation system (3) and card company system (4) connected through The balance payment is required to receive the actual mutual support service by judging the point information on the available points, the balance payment information on the remaining balance, and the mutual product information to be provided according to the mutual product request. Since it is made at the time point, it is possible to reduce the financial burden of registered members and to provide premature services to satisfy the registered members. STE and converts include amount received step (S2), and premature service providing step (S3).

The joining step (S1) stores the membership request signal and personal information received from the terminal in the subscription module 311, which controls the matters related to membership registration and subscription of the registered member as a whole, and registers as a member. Receiving and storing the product selection information for the premature product and the point usage information about the point from the registered member terminal (2), the member registration step (S11), product selection step (S12), point confirmation step (S13) And the point payment step (S14).

The member registration step (S11) is a step of storing the personal information received with the member registration request signal from the terminal in the member registration module 3111 and registering as a member, in which case the personal information is the name of the person applying for membership registration, It is preferable to include ID, address, telephone number, fax number, mail address and the like.

The product selection step (S12) provides the product information to the member terminal 2 in the product selection module 3112 of the commercial survey system 3, the registered product selected by the registered member through the member terminal (2) And storing the product selection information regarding the product selection information. In this case, the product information of the product may include information about a product type that is differentiated according to the product price of the product and a settlement point, and information about the offer product.

The point checking step (S13) is a step of judging whether the registered member's points are available in the card company system (4) linked to the business investigation system (3). In this case, the business investigation system (3) from the member terminal (2) Transmitting the received point usage information to the card company system (4) and receiving and storing available point information available to the registered member from the card company system (4), card company member determination step (S131), point use agreement creation step (S132), the first point use determination step (S133), the existing earned point payment step (S134), the new member joining step (S135), the first point use agreement creation step (S136), and the first point payment step (S137). .

The card company member determination step (S131) is a step of determining whether or not an existing member of a card company according to the member information received from the business investigation system (3). In the case of an existing member, the point is paid by determining whether there is a point accumulated by the point payment module 414, and in the case of a new member, the point is transmitted to a new member registration step (S135) to be described later.

The point use agreement creation step (S132) is a step of creating a contract to pay a part of the amount of the mutual aid products to the card company system (4) linked to the commercial investigation system (3) when purchasing the mutual products as a member terminal (2) The point use agreement information manipulated from) is stored in the upper investigation DB 32 by the point use agreement module 3113, and the stored information is transmitted to the card company DB 42 and stored.

The first point use determination step (S133) is a step of determining the use of the first point so that the registered member can use the first point even if the registered member is an existing member of the card company. According to the user's use of the card, it is a step to make the payment evenly divided by the accumulated points.

Existing earning point payment step (S134) is a point that can be used by the point payment module 414 if it is determined that the existing member in the card company member determination step (S131) according to the member information received from the business investigation system (3) It is a step of determining whether there exists or not and providing the member terminal 2 with information on the available available points.

The new member registration step (S135) receives and stores personal information from the member terminal (2) when it is determined as a new member in the card member status check step (S1221) according to the member information received from the business investigation system (3). In this case, the personal information may include the name, ID, address, telephone number, fax number, e-mail address, etc. of the person applying for membership registration.

The first point use agreement creation step (S136) is a step for creating a contract to pay a portion of the pre-existing products to the points of the card company system (4) linked to the investigation system (3) when purchasing the pre-existing products. Since there are no accumulated points, the pre-payment agreement information manipulated by the member terminal 2 is used to receive points from the card company in advance. The information stored and stored in the card company DB 42 is transmitted and stored.

The first point payment step (S137) is a point payment module 414 is paid in advance to the point that can be used to pay for the premature product, and when the new member registration step (S135) to join as a new member points already accumulated There is no stage, so you can pay for points that can be used in advance, and then make payments by dividing the points evenly into points earned according to the user's card usage.

In the point settlement step (S14), the registered member checks a part of the amount of the counterfeit goods according to the counterfeit goods information received by the product selection module 3112 of the investigation system 3 through the member terminal 2, and confirms the point. (S12) is a step of paying a part of the amount of the mutual product with the points received in this case, in this case, when the purchase of the mutual product of the product amount of 360 million won, select the amount of the pre-point 600,000, 700,000, 850,000, 950,000 won After making a payment, the remaining balance can be paid by cash or credit card in the case of a request for a counterfeit product, thereby reducing the financial burden on the general buyer.

The point conversion amount receiving step (S2) is a step in which the commercial investigation system 3 receives a substantial currency corresponding to the point conversion amount information from the card company, and the commercial investigation system 3 receives the payment received from the member terminal 2. The card company system 4 transmits the point information to the card company system 4, in which the card company system 4 converts the amount of cash corresponding to the point paid according to the received payment point information into cash and provides information on the point conversion amount to the commercial investigation system 3. ) And pay the actual currency that matches the point conversion amount information. Therefore, the point conversion amount received from the card company is guaranteed the operating profit of the person who operates the business investigation system (3), the registered member purchases the premise product only with the amount settled in points and pays the remaining balance when requesting the premise product later. Therefore, the financial burden can be reduced.

7 is a flowchart illustrating a premise service providing step of a membership member subscription service method using a first point according to the present invention.

1, 2, and 5 to 7, the step of providing the service of the above-mentioned step (S3) of the above-described service of the service module for controlling the information about the product information about the product to provide to the registered member as a whole (313) ) Is a step of determining, storing and completing the transaction information of the merchandise related to the merchandise to be provided from the merchandise request information received from the member terminal (2) to the merchandise request server 31, the product is provided Request determination step (S31), balance payment step (S32), commitment product providing step (S33). Therefore, the premise service is not provided at the time of joining, but the actual premise service is achieved when the member wants to receive it later. By paying on the balance excluding the amount paid, it is possible to reduce the actual financial burden by receiving mutual aid service.

The product providing request determination step (S31) is a step of confirming whether the product providing determination module 3124 has received the premature product request information regarding the premature product request from the member terminal 2 to the investigation server 31. In order to determine whether or not to provide a registered product to the registered member from the request information of the above, it is confirmed whether the balance is fully paid in the balance payment step (S32) to be described later.

The balance payment step (S32) is a product to the registered member subscribed to the mutual support service system (1) in the payment module (312) for controlling the matters related to the balance except the amount paid by the first point in accordance with the mutual aid selected by the registered member Providing and storing the balance payment information for the balance included in the selection information, and confirming whether or not the counterfeit product request information regarding the premature product request is received from the member terminal (2), the balance payment determination step (S321) , The balance monthly payment step (S322) and the balance payment monthly difference determination step (S323).

The balance payment determination step (S321) is a step of determining whether the balance for the pre-registered products subscribed by the registered member by the balance payment determination module 3132 is completed, and when the payment is completed, the contract is provided to complete the transaction. When only a partial amount of the balance is paid, the balance is sent to the balance monthly payment payment step (S322) described later.

In the balance monthly payment step (S322), if it is determined that the balance has not been paid in the balance payment determination step (S321), the member terminal prompts to temporarily or divide the remaining monthly payment that has not been paid by the balance payment module 3133. Request the registered member through (2) and check whether the balance is paid and settled, and store the information on the provision of the offered product for the committed product, and provide the registered product to the registered member and complete the transaction.

In the balance payment monthly judging step (S323), when the information that divides the balance is paid to the registered member through the member terminal 2 is received, the monthly payment of the balance within the payment period selected from the registered member in the payment monthly judgment module 3135 In this step, the balance is fully paid by judging whether the balance is properly processed. For example, if you want to pay in installments by credit card or cash, set a payment period of 2 to 10 months.If a member wants to pay for 5 months, the monthly balance payment is determined as 5 payments. Make sure it is getting hot so it can be paid in full. In this case, it is preferable to set a predetermined month in consideration of the operating profit of the person who operates the commercial survey system (3).

The contractual offer product providing step (S33) is a step of storing the mutually prepared product providing information for the contractual product promised by the contract product providing module 3134 when it is determined that the balance is fully paid in the balance payment step (S32). Provide the registered member with the committed products and complete the transaction.

The present invention described above is not limited to the above-described embodiments and the accompanying drawings, and various substitutions, modifications, and changes can be made without departing from the technical spirit of the present invention. It will be apparent to those who have knowledge.

1 is a block diagram illustrating a membership membership system utilizing points in accordance with the present invention.

Figure 2 is a detailed block diagram of the research server of the membership membership system utilizing the points according to the present invention.

Figure 3 is a block diagram of a commercial survey DB of the membership membership system utilizing the points according to the present invention.

Figure 4 is a block diagram of the card company DB of the membership membership system utilizing the points in accordance with the present invention.

Figure 5 is a flow chart related to the membership membership service method utilizing the points according to the present invention.

Figure 6 is a flow chart of the available point determination step of the membership membership service method utilizing the points according to the present invention.

7 is a flowchart illustrating a premise service providing step of a membership membership service method utilizing points according to the present invention.

<Description of the symbols for the main parts of the drawings>

1: Membership registration system using points 2: Member terminal

3: inspection system 4: card company system

31: investigation server 32: investigation database DB

41: card company server 42: card company DB

311: subscription module 312: payment module

313: Premise service provision module 321: Member information storage DB

322: Store information on premature product DB 323: Store information on prepaid amount payment information

324: Point information storage DB 325: Premature product information storage DB to be provided

411: card subscription module 412: card payment module

413: point module 414: point payment module

415: Point conversion amount payment module 421: Member information storage DB

422: point information storage DB 423: point conversion payment information storage DB

3111: member registration module 3112: product selection module

3113: module for providing a premise product payment method 3114: agreement module for using points

3121: point payment module 3122: balance payment module

3123: monthly payment module 3124: product offering judgment module

3131: point conversion amount receiving module 3132: balance payment judgment module

3133: balance payment module 3134: contractual offering product providing module

3135: payment monthly judgment module 3136: additional product providing module

S1: sign up step S2: point conversion amount

S3: Providing Premature Services S11: Registering Members

S12: product selection step S13: point confirmation step

S14: point payment step S31: product offer request decision step

       S32: balance payment step S33: commitment product offer step

S131: Judgment step of card society S132: Step of making point use agreement

S133: Determination step of using preemptive point S134: Existing earned point payment step

S135: New member registration step S136: First point use agreement creation step

S137: First point payment step S321: Balance payment judgment step

S322: Balance payment stage S323: Balance payment stage

Claims (16)

Receive the membership request signal from the terminal and register as a member, and when the points use agreement is created from the registered member terminal, submit the prepared agreement to the credit card company and be notified of the amount of points available and receive the product information selected from the member terminal. A subscription step of receiving the paid points and the user information according to the selected product and storing them in the business survey DB; The point information received by the registered member in the signing up step is transmitted to the card company system by the business investigation system, and the business investigation system receives a point conversion amount receiving step of receiving a conversion amount corresponding to the paid point from the card company system; Store the product balance information on the balance to be paid in the future according to the pre-existing product information selected by the registered member in the joining step, and checks whether the product request information about the product request has been received from the member terminal to the balance payment information and the product to be provided. A method of membership registration service using points, comprising the steps of providing a premise service for determining and storing related premise product information and completing a transaction. The method of claim 1, In the registration step, the registration module which controls the matters related to the membership registration and the registration of the premature products of the registered members as a whole, stores the membership request signal and personal information received from the terminal and registers them as members, and adds them from the registered member terminals. Receiving and storing product selection information about the product and point usage information about the point, Membership membership using the first point characterized in that it comprises a membership registration step, product selection step, point confirmation step and point payment step Subscription service method. The method of claim 2, In the point checking step, the card company system linked to the business investigation system determines whether the registered member can use the point. In this case, the business investigation system transmits the point usage information received from the member terminal to the card company system and registers it from the card company system. Receiving and storing available point information available to the member, the card company member determination step, point use agreement creation step, pre-point use determination step, existing points earning step, new member sign-up step, pre-point use agreement creation step Membership subscription service method using the first point, characterized in that it comprises a first point payment step. The method of claim 3, The above-mentioned pre-point usage agreement creation step is to create an agreement to settle the partial amount of the pre-existing products to the points of the card company system linked to the investigation system when purchasing the pre-existing products. The pre-payment agreement information operated from the member terminal is to be used to receive the points in advance to be used, the information stored in the investigation database DB by the pre-use point agreement module and the stored information is transmitted to the card company DB, characterized in that Membership service using Sunpoint. The method of claim 2, In the point settlement step, the registered member receives a portion of the mutual product amount according to the mutual product information received by the product selection module of the commercial investigation system through the member terminal, and a portion of the mutual product amount with the points received in the point checking step. Membership subscription service method using the first point, characterized in that the payment step. The method of claim 1, The premise service providing step is a step performed by the premise service providing module that controls the matters related to the premise product information to be provided for the premise product to be provided to the registered member as a whole, and the product request received from the member terminal to the inquiring server. Determining, storing and completing the transaction of the information of the product to be provided about the product to be provided from the information, and utilizing the pre-point, characterized in that it comprises a product offer request determination step, balance payment step, commitment product offer step One Membership Membership Service Method. The method of claim 6, In the balance payment step, the balance of the balance included in the product selection information to the registered member subscribed to the mutual aid service system in the payment module that controls the matters related to the balance except the amount paid by the first point according to the mutual aid product selected by the registered member. Providing and storing the payment information, and confirming whether or not the counterfeit goods request information regarding the request for the counterfeit goods from the member terminal, comprising the balance payment determination step, the balance monthly payment payment step, the balance payment monthly difference determination step Membership subscription service method using the sunpoint characterized by. The method of claim 7, wherein The balance monthly payment step requests a registered member through the member terminal to temporarily or divide the remaining monthly payments unpaid in the balance payment module if it is determined that the balance has not been paid in the balance payment determination step. The membership member service method using the first point, characterized in that the storage of the information provided for the pre-executed goods by confirming whether the payment has been paid. The method of claim 7, wherein In the balance payment monthly judging step, when the information indicating that the balance is divided and paid to the registered member is received through the member terminal, the balance payment monthly judgment module determines whether the balance payment monthly progress is properly performed within the payment period selected by the registered member. Membership subscription service method using the first point, characterized in that to be paid in full. A member terminal for transmitting / receiving a member request signal relating to membership and selected mutual aid information, information on points, and various kinds of information on balance payment; An investigation system including an investigation investigation server and an investigation investigation DB connected to the member terminal online to store and register the selected products, point related information, and balance payment information selected by the registered member received from the member terminal. and; And a card company system including a card company server and a card DB, which are connected to the ancestor system and connected online to store and register and transmit and receive point related information. The method of claim 10, The commercial investigation server receives a membership request signal and personal information from a terminal and registers as a member, provides point use information, usable point information, and counterfeit product information to a registered member terminal, and selects counterfeit product information selected from the member terminal. A subscription module including a member registration module, a product selection module, a premise product payment method providing module, and a point use agreement module in order to receive and store and register the data in the business survey DB and implement such a function; The information regarding the point payment amount is provided to the member terminal by providing information on payment of the amount of the above-listed product selected from the product selection information registered in the subscription module, and replacing the amount to be paid at the time of subscription to the card point. It provides to the card company system (4), the information on the balance is provided to the member terminal after checking whether the request information of the counterfeit goods received from the member terminal, the point payment module, balance payment module (3122), monthly payment module, A payment module including a product providing determination module; Controls the matters related to the pre-existing merchandise information to be provided to the registered member.If the point payment module receives the first point usage information from the member terminal, the card company system provides information on the use of the points and converts the cash according to the paid points. After confirming the amount information received by the user in the product providing decision module after receiving the request information from the member terminal in the future, it is determined to provide the information to the member terminal to provide to the registered member provided to the member terminal, such a provision In order to implement such a function to store the premise product information in the above-mentioned investigation database, which will be described below, and to complete a transaction, a point conversion amount receiving module, a balance payment determining module, a balance settlement module, a contract offering product providing module, and a monthly payment determining module And a mutual service providing module including an additional product providing module; Membership membership system utilizing points, characterized in that it comprises a. The method of claim 11, The point use agreement module is a contract to use the points of the credit card or various membership point card to the amount of premature goods received from the member terminal to receive the point use agreement information manipulated from the registered member to store in the business investigation DB Point membership agreement information stored in the business investigation DB (32) is provided to the card company system. The method of claim 11, The point payment module registers by storing and registering payment pre-point and premise product information in the survey database when receiving premature product information on the selected premise product with the available point information received from the card company system from the member terminal. Membership membership system using the point, characterized in that the initial subscription does not require a real money, so that you can be provided with a premature product without the burden of payment. The method of claim 11, The point converting amount receiving module transmits the point information used by the registered member to the card company system, which will be described later, according to the selected product from the premise member terminal, and the card company system converts the corresponding points into cash for information on the converted amount. Membership subscription system using the point, characterized in that the transmission to the investigation system again stored in the investigation database DB. The method of claim 10, The card company server is connected to the online investigation system through online and transmit and receive various information related to the use of the point, such information is stored in the card company DB, Receive information on the use of points from the survey server of the commercial survey system to check whether the card company is an existing member or a new member, and in the case of the existing member to determine the existence of the points accumulated by the point module to be described later. On the other hand, if it is not an existing member, the card subscription module for registering as a new subscription and storing the member information received from the business investigation server in the card company DB; Prepaid points that can be used when it is determined to be a new member in the card subscription module, and the preemptive points used are credited by storing the information settled in the card company DB using the points accumulated according to the credit card usage performance. A module; A point module for storing the points accumulated by the card member according to the use result in the card fee settlement module in the card company DB;  If the registered member's point use agreement information is received from the business investigation server, the existing member of the card is checked to determine how many points can be used in the case of an existing member, and in the case of a new subscriber, the first point can be used. A point payment module for paying a certain point to inform the operator of the commercial survey system of the available points, and storing the information regarding the payment of the points in the card company DB which will be described below;  Receiving the information on the points used by the registered member from the survey server received points conversion module for storing the information of the amount converted into cash according to the card company's standard in the card company DB; Membership membership system utilizing points, characterized in that it comprises a. The method of claim 10, The commercial investigation DB is a member terminal, a commercial investigation server and the card company system to store and retrieve various information derived from the online transmission and retrieval as needed, and the member information storage DB, product information storage DB, prepayment payment information A storage DB, a point information storage DB, and a premature product information storage DB to be provided; The card company DB is a database that stores a variety of information transmitted and received by the merchant system and the card company server online, characterized in that it comprises a member information storage DB, point information storage DB, point conversion payment information storage DB Membership registration system that utilizes points to say.

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