| 摘要 |
PURPOSE: A milage point encashment system and method is provided to encash a milage point generated or accumulated via a credit card, a membership card or an integrated card over an online network. CONSTITUTION: The system comprises a card processing terminal(12), a main server(14), a database server(16), a database(18), a plurality of card data management servers(A1-An), and a plurality of card information management databases(B1-Bn). The card processing terminal(12), installed at an affiliated store and connected to the main server(14) over the internet, enables a client to pay a commodity with point cards(CD1-CD3) and to encash accumulated milage points for paying the commodity. The main server(14) processes an encashment of the milage point based on a cash exchange unit determined under an agreement with the card companies. The database server(16) requests a reference of a milage point of a card to be processed at the affiliated store, and requests a point subtraction request and a payment approval to the card data management servers(A1-An) of the card company via a VAN or a leased line. The database(18) stores data on the card companies, and the point subtraction data resulted from the payment of a commodity with the milage point. The card data management servers(A1-An) offer accumulated milage point to the database server, and process the point subtraction according to a request of payment of a commodity with the milage point. The card information management databases(B1-Bn) store card member data, accumulated milage point data, affiliated store data, payment data processed with the milage point, and point subtraction data.
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